KR20120124303A - System and method for management of cash management account - Google Patents

System and method for management of cash management account Download PDF

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Publication number
KR20120124303A
KR20120124303A KR1020110042129A KR20110042129A KR20120124303A KR 20120124303 A KR20120124303 A KR 20120124303A KR 1020110042129 A KR1020110042129 A KR 1020110042129A KR 20110042129 A KR20110042129 A KR 20110042129A KR 20120124303 A KR20120124303 A KR 20120124303A
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South Korea
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customer
account
donation
cma
account management
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KR1020110042129A
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Korean (ko)
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최창훈
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에스케이증권 주식회사
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Priority to KR1020110042129A priority Critical patent/KR20120124303A/en
Publication of KR20120124303A publication Critical patent/KR20120124303A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Economics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Human Resources & Organizations (AREA)
  • Operations Research (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The account management system according to the present invention receives a subscription request from a customer terminal for a cash management account (CMA), a subscription processing unit for receiving a selection of a donation destination from the customer terminal, and processing the subscription, the customer terminal. A customer account management unit that processes deposits from the CMA to be deposited into the CMA, an account management unit that generates profits by operating the deposits, and donations according to a predetermined donation rate based on the proceeds. And a donation destination account manager that processes the deposit to the selected donation account.

Description

Account management system and account management methods {SYSTEM AND METHOD FOR MANAGEMENT OF CASH MANAGEMENT ACCOUNT}

The present invention relates to an account management system and an account management method.

The user can open an account in order to deposit his / her assets at the financial institution, and can acquire interest as a result of the financial institution's account operation. There are various kinds of such accounts having functions according to the purpose, such as a simple periodic deposit account and a securities account.

Financial institutions are also developing methods for maximizing operating revenue for these accounts, as well as developing a variety of services combined with the accounts.

The technical problem to be achieved by the present invention is to provide a comprehensive cash management account (CMA) operating system and operation method that can automatically donate some interest income.

The account management system according to an embodiment of the present invention receives a subscription request from a client terminal for a comprehensive cash management account (CMA), and receives a selection of a donation destination from the client terminal and performs a subscription process. A customer account manager that processes deposits from the client terminals into the CMA, an account manager that generates profits by operating the deposits, and donations according to a predetermined donation rate based on the proceeds. It includes a donation destination account management unit for processing to be deposited in the account of the selected donation destination in the name of the customer.

The customer account manager may process customer profits according to a predetermined customer return rate to be deposited in the CMA based on the profits.

The CMA may include a CMA (RP type CMA) based on a repurchase agreement (RP).

The account manager may operate the deposit by determining a fixed period and reinvesting at a fixed price after the fixed period has passed.

The account management unit may reinvest every business day.

The donation rate may be borne by the account management system as a preferential rate.

The subscription processing unit may further include a customer management unit for storing information of the customer using the customer terminal subscription processing.

It may further include a donation destination management unit for storing information about the donation destination with the agreement in advance.

The donor destination terminal may further include a receipt processing unit for requesting issuance of a receipt for the income deduction of the customer terminal.

The receipt processing unit may transmit the donation details of the customer terminal to the donation destination terminal.

According to another aspect of the present invention, there is provided a method for managing an account, wherein the account management system manages a comprehensive cash management account (CMA), the method comprising: receiving a subscription request from a customer terminal with respect to the CMA, wherein the customer terminal Receiving a selection of a donation source from the client, performing a subscription process for the subscription application, processing a deposit from the client terminal to be deposited in a CMA, generating a profit by operating the deposit, and the proceeds And processing a donation according to a predetermined donation rate to be deposited in an account of the selected donor in the name of a customer using the customer terminal.

The method may further include the step of processing the customer profit according to a predetermined customer rate of return based on the proceeds to be deposited in the CMA.

The CMA may include a CMA (RP type CMA) based on a repurchase agreement (RP).

The performing of the subscription process may include determining a contracted yield which is a result of adding the customer yield and the donation rate.

The donation rate may be borne by the account management system as a preferential rate.

Generating the proceeds may include determining a predetermined period and reinvesting at a constant price after the predetermined period has passed.

The reinvesting may include reinvesting on a business day basis.

The method may further include requesting the donation destination terminal to issue a receipt for income deduction of the customer terminal.

The requesting the issuance of the receipt may include transmitting a donation history of the customer terminal to the donation destination terminal.

Account management system according to another embodiment of the present invention is an account management system for managing a comprehensive cash management account (cash management account, CMA), memory, subscription processing unit, customer account management unit, account management unit, donor account management unit, customer management unit And a storage device for implementing a donation destination manager and a receipt processor, and loading the subscription processor, the customer account manager, the account manager, the donor account manager, the customer manager, the donor manager, and the receipt processor in the memory. And a processor for executing the subscription, and the subscription processing unit receives a subscription request from the customer terminal with respect to the CMA, receives a selection of a donation destination from the customer terminal, and subscribes to the customer account management unit. The deposit is processed to be deposited in CMA, and the account manager Based on the generated profits, the client proceeds the deposit according to a predetermined customer return to the CMA, and the account manager sets the fixed period and re-invests at a fixed price after the fixed period, thereby operating the deposit to manage the proceeds. The donor account manager to process a donation according to a predetermined donation rate on the basis of the proceeds to be deposited in the account of the selected donor, and the customer manager uses the customer terminal subscribed to by the subscription processor. The donor destination management unit stores information about the pre-contracted donor destination, and the receipt processing unit requests a receipt issuance for the income deduction of the customer terminal.

According to the present invention, by operating a CMA account that can automatically donate a portion of the proceeds for account management, the user can make a donation without a separate procedure just by joining the account, a convenient access path for donation is prepared and donation You can activate the culture.

1 is a block diagram illustrating an environment in which an account management system according to an embodiment of the present invention operates.
2 is a block diagram of an account management system according to an embodiment of the present invention.
3 is a flow chart of an account management method according to another embodiment of the present invention.
4 is a block diagram of an account management system according to another embodiment of the present invention.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise. Also, the terms " part, "" module," and " module ", etc. in the specification mean a unit for processing at least one function or operation and may be implemented by hardware or software or a combination of hardware and software have.

Referring now to the drawings will be described in detail with respect to the account management system according to an embodiment of the present invention.

1 is a block diagram illustrating an environment in which an account management system according to an embodiment of the present invention operates.

Referring to FIG. 1, the account management system 100 according to an exemplary embodiment of the present invention is connected to the customer terminal 200 and the donor destination terminal 300 through a network.

The account management system 100 receives and processes a subscription request from the customer terminal 200 for a cash management account (CMA), generates an interest income by operating a CMA account, and selects the customer terminal 200. According to the donation destination terminal 300 to manage to contribute some interest income.

The CMA invests the deposits from the customer terminal 200 into bonds such as commercial paper (CP), certificates of deposit (CD) and government bonds, and returns the profits to the customers. It is a commodity. The CMA managed by the account management system according to an embodiment of the present invention includes a CMA (referred to as RP type CMA) based on a repurchase agreement (RP).

The customer terminal 200 is a means by which a customer of a financial institution communicates with the account management system 100 through a network, for example, a computer, a personal digital assistant (PDA), a mobile communication terminal, and a television (television). , Various communication devices such as TV) can be used.

The donation destination terminal 300 is a group receiving a donation from the account management system 100 according to the selection of the customer terminal 200, for example, a child group, a disabled group and an elderly group, etc. As a means for communicating, various communication devices such as a computer, a personal digital assistant, a mobile communication terminal, and a television, for example, may be used as the customer terminal 200.

Referring now to Figure 2 will be described in detail with respect to the account management system 100 according to an embodiment of the present invention.

2 is a block diagram of an account management system according to an embodiment of the present invention.

Referring to FIG. 2, the account management system 100 includes a subscription processor 110, a customer manager 120, a donor destination manager 130, an account manager 140, a customer account manager 150, and a donor account manager 160. ) And a receipt processing unit 170.

The subscription processing unit 110 receives a subscription request for CMA from the customer terminal 200 and performs a subscription procedure. At this time, the subscription processing unit 110 may notify the customer terminal 200 in advance of the detailed description of the CMA. In addition, the subscription processing unit 110 may provide a predetermined donation destination list and donation destination information to the customer terminal 200 and receive a selection of at least one donation destination from the customer terminal 200.

In addition, the subscription processing unit 110 may determine the criteria for the contract rate of return, contract period, transfer fee and withdrawal fee for the CMA to the customer terminal 200, and may determine the criteria according to the conditions. The contracted rate of return is the sum of customer return and donation rate. The rate of return of customer means the interest rate of the operating profit on the customer's deposit, and the donation rate means the interest rate to contribute to the part of the operating profit on the client's deposit. . For example, the customer rate of return may be 3%, the donation rate may be set at 0.1%, and the contract rate of return may be 3.1%. Meanwhile, the donation rate may be a preferential rate received when the customer terminal 200 joins the CMA operated by the account management system 100, and in this case, the donation is a part that the account management system 100 bears.

The customer manager 120 stores information about the customer terminal 200 subscribed to by the subscription processor 110. The information may include, for example, personal information of the customer, profit rate information of the customer account, fee information of the customer, and donation information specified by the customer.

The donation destination management unit 130 stores and manages information about the donation destination that has been previously signed with the account management system 100. The information on the donor includes basic information of the donor, account information of the donor, and details of donation accumulation. Meanwhile, the donation destination manager 130 may transmit the information about the donation destination to the subscription processing unit 110 to provide the subscription processing unit 110 to the customer terminal 200.

The account manager 140 generates a profit by operating the CMA subscribed to the customer terminal 200. The account manager 140 determines a fixed period of time, and reinvests at a fixed price after a certain period of time. For example, the account manager 140 may reinvest every business day. The account manager 140 operates to store information on the generated profits.

The customer account manager 150 manages the CMA to which the customer terminal 200 subscribes. That is, the customer account manager 150 controls the deposit to the CMA according to the request of the client terminal 200, or controls the deposit or customer profit to be withdrawn from the CMA according to the request of the client terminal 200. The customer account manager 150 receives information on the proceeds from the account manager 140, and processes the customer proceeds to be deposited in the customer's CMA according to a predetermined customer return rate.

The donor destination account management unit 160 manages an account to which the donor destination terminal 300 subscribes, receives information on the proceeds from the account manager 140, and processes the donation to be deposited into the account of the donor according to a predetermined donation rate. . At this time, the donation destination account management unit 160 processes the donation to be deposited in the name of the customer. Meanwhile, the donor account may be a general CMA to which the donor subscribes.

The receipt processing unit 170 requests a donation destination terminal 300 to issue a receipt for a customer's income deduction. In this case, the receipt processing unit 170 may transmit a donation history of the customer terminal 200 to the donation destination terminal 300 to request a receipt.

Referring now to Figure 3 will be described in detail with respect to the account management method according to another embodiment of the present invention.

3 is a flowchart illustrating an account management method according to another embodiment of the present invention.

Referring to FIG. 3, the customer terminal 200 applies for a CMA subscription to the account management system 100 (S310). In this case, the customer terminal 200 may receive information on a donation destination previously associated with the account management system 100, select at least one donation destination, and select a contract period.

Then, the account management system 100 processes the subscription according to the subscription condition of the customer terminal 200 applied (S320). That is, the account management system 100 may store the corresponding information and notify the customer terminal 200 about it. Here, the CMA may be an RP-type CMA, and may determine and notify the contracted rate of return to the client terminal 200, and may determine and notify a donation rate included in the contracted rate of return. For example, the contracted rate of return may be 3.1%, of which the donation rate may be 0.1%.

When the subscription process is completed, the customer terminal 200 deposits a deposit to be deposited in the CMA (S325). Then, the account management system 100 operates the deposit deposited by the customer terminal 200 according to a predetermined condition (S330). For example, the account management system 100 may reinvest every business day. In this case, reinvestment may be based on the disclosure rate at the end of the contract period.

Thereafter, the account management system 100 distributes donations according to a predetermined donation rate to the donation destination terminal 300 selected by the customer terminal 200 (S340). That is, the account management system 100 processes the donation to be deposited in the name of the customer in the account of the donor.

In addition, the account management system 100 distributes customer profits to the customer terminal 200 according to a predetermined customer return rate (S350). That is, the account management system 100 processes the customer's profits to be deposited in the customer's CMA.

Meanwhile, the account management system 100 requests a donation destination terminal 300 to issue a receipt for deduction of a customer's income (S360). In this case, the account management system 100 may provide the donation details of the customer terminal 200 to the donation destination terminal 300. Then, the donation destination terminal 300 issues a receipt to the customer terminal 200 (S370). In this case, the donation destination terminal 300 may process the receipt issuance to the income deduction-related institutions such as the National Tax Service, or may directly process the receipt issuance to the customer terminal 200.

As such, when a customer subscribes to a CMA account that can automatically donate a portion of the proceeds from the account operation, the user can make a donation by joining the account without a separate procedure, thereby providing a convenient access path for donation. In addition, for the CMA related to such donations, the contracted return rate is determined by adding the donation rate to the customer return rate, so that the customer can make a donation without lowering his or her original customer return rate and can make a donation without burden. In addition, the donation is made in the name of the customer, the receipt processing for the deduction of the customer can be enabled, thereby promoting the donation culture.

At least some functions of the account management system and the account management method according to the embodiment of the present invention described above may be implemented in hardware or software coupled to the hardware. Hereinafter, an embodiment in which the account management system is coupled to the computer system will be described in detail with reference to FIG. 4.

4 is a schematic diagram of an account management system 1000 according to another embodiment of the present invention. The subscription processing unit 110, the customer management unit 120, the donation destination management unit 130, the account management unit 140, Represents a system that can be used to perform at least some of the functions of the customer account manager 150 and the donor account manager 160.

Referring to FIG. 4, the account management system 1000 may include a processor 1110, a memory 1120, at least a storage device 1130, an input / output (I / O) interface 1140, and a network interface 1150. It includes.

The processor 1110 may be implemented with a central processing unit (CPU), other chipsets, microprocessors, or the like. The memory 1120 may be a medium such as RAM, such as dynamic random access memory (DRAM), rambus DRAM (RDRAM), synchronous DRAM (SDRAM), static RAM (SRAM), or the like. It can be implemented as. The storage device 1130 may include a hard disk, a compact disk read only memory (CD-ROM), a CD rewritable (CD-RW), a digital video disk ROM (DVD-ROM), a DVD-RAM, and a DVD-RW disk. The optical disk may be implemented as a permanent or volatile storage device such as an optical disk such as a blu-ray disk, a flash memory, or various types of RAM. The I / O interface 1140 also allows the processor 1110 and / or the memory 1120 to access the storage device 1130. The network interface 1150 allows the processor 1110 and / or the memory 1120 to access the network.

In this case, the processor 1110 may include at least one of the functions of the subscription processor 110, the customer manager 120, the donor destination manager 130, the account manager 140, the customer account manager 150, and the donor account manager 160. Some functions may be located in the storage device 1130 to control to perform the operation described with reference to FIGS. 1 to 3.

The processor 1110, the memory 1120, the storage device 1130, the I / O interface 1140, and the network interface 1150 illustrated in FIG. 4 may be implemented in one computer, a mobile communication terminal, or the like. It may be implemented by being distributed to a computer or a mobile communication terminal.

The embodiments of the present invention described above are not implemented only by the apparatus and method, but may be implemented through a program for realizing the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It belongs to the scope of right.

Claims (20)

A subscription processing unit for receiving a subscription request from a customer terminal for a comprehensive cash management account (CMA) and receiving a selection of a donation destination from the customer terminal;
Customer account management unit for processing the deposit from the customer terminal to be deposited in the CMA,
An account manager that generates the profit by operating the deposit; and
Donation destination account management unit for processing the donation according to the predetermined donation rate based on the proceeds to be deposited in the account of the selected donor in the name of the customer using the customer terminal
Account management system comprising a. In claim 1,
The account management system of the customer account management unit to process the customer proceeds according to a predetermined customer rate of return based on the proceeds to be deposited in the CMA. In claim 1,
The CMA includes a CMA (RP type CMA) based on a repurchase agreement (RP). In claim 1,
The account management unit,
An account management system operating the deposit by setting a fixed period of time and reinvesting at a fixed price after the fixed period of time. 5. The method of claim 4,
The account management unit,
Account management system that reinvests every business day. In claim 1,
The donation rate is a preferential interest rate account management system borne by the account management system. In claim 1,
The account management system further comprises a customer management unit for storing the information of the customer using the customer terminal subscription processing unit subscription processing. In claim 1,
The account management system further comprises a donation destination management unit for storing information about the pre-contracted donation destination. In claim 1,
The account management system further comprises a receipt processing unit for requesting the receipt issuance for the income deduction of the customer terminal to the donation destination terminal. The method of claim 9,
The receipt processing unit is an account management system for transmitting the donation history of the customer terminal to the donation destination terminal. As the account management system manages a comprehensive cash management account (CMA),
Receiving a subscription request from the customer terminal for the CMA,
Receiving a selection of a donation destination from the customer terminal;
Performing a subscription process for the subscription application,
Processing the deposit from the customer terminal to be deposited in the CMA,
Generating a profit by operating the deposit; and
Processing a donation according to a predetermined donation rate based on the proceeds to be deposited in an account of the selected donor in the name of a customer using the customer terminal;
Account management method comprising a. 12. The method of claim 11,
Processing customer profits to be deposited in the CMA based on the proceeds according to a predetermined customer rate of return;
Account management method further comprising. The method of claim 12,
The CMA includes a CMA (RP type CMA) based on a repurchase agreement (RP). In claim 13,
The step of performing the subscription process,
Determining a contract rate of return which is the result of adding the customer rate of return and the rate of donation. The method of claim 14,
The donation rate is a preferential interest rate account management method borne by the account management system. 12. The method of claim 11,
Generating the proceeds,
Determining a period of time and reinvesting at a fixed price after the period of time has passed. 17. The method of claim 16,
The reinvesting step,
Account management method comprising the step of reinvesting every one business day. 12. The method of claim 11,
And requesting the issuing terminal to issue a receipt for the income deduction of the customer terminal. The method of claim 18,
Requesting the receipt issuance,
And transmitting donation details of the customer terminal to the donation destination terminal. As an account management system for managing a comprehensive cash management account (CMA),
Memory,
A storage device for implementing a subscription processor, a customer account manager, an account manager, a donor account manager, a customer manager, a donor manager, and a receipt processor; and
A processor which loads and executes the subscription processor, the customer account manager, the account manager, the donor account manager, the customer manager, the donor manager, and the receipt processor in the memory;
Including;
The subscription processing unit receives a subscription request from the customer terminal for the CMA, receives a selection of a donation destination from the customer terminal to subscribe processing;
The customer account management unit processes the deposit from the customer terminal to be deposited in the CMA, and the customer proceeds according to a predetermined customer return based on the proceeds generated by the account manager is deposited into the CMA,
The account management unit sets the fixed period and re-invests at a fixed price after the fixed period of time to operate the deposit to generate the profit,
The donation destination account management unit processes a donation according to a predetermined donation rate based on the proceeds to be deposited in the account of the selected donation destination,
The customer management unit stores the information of the customer using the customer terminal that the subscription processing unit subscription processing,
The donation destination management unit stores the information about the pre-contracted donation destination,
The receipt processing unit transmits a donation history of the customer terminal to the donor destination terminal, requesting receipt issuance for income deduction
Account management system.
KR1020110042129A 2011-05-03 2011-05-03 System and method for management of cash management account KR20120124303A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20220089989A (en) * 2020-12-22 2022-06-29 주식회사 국민은행 Fund direct sales management system and method

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20220089989A (en) * 2020-12-22 2022-06-29 주식회사 국민은행 Fund direct sales management system and method

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