KR20120124675A - A method and a system for managing a deposit account - Google Patents

A method and a system for managing a deposit account Download PDF

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Publication number
KR20120124675A
KR20120124675A KR1020110042479A KR20110042479A KR20120124675A KR 20120124675 A KR20120124675 A KR 20120124675A KR 1020110042479 A KR1020110042479 A KR 1020110042479A KR 20110042479 A KR20110042479 A KR 20110042479A KR 20120124675 A KR20120124675 A KR 20120124675A
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KR
South Korea
Prior art keywords
account
deposit
mother
information
interest
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KR1020110042479A
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Korean (ko)
Inventor
안주영
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주식회사 우리은행
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Priority to KR1020110042479A priority Critical patent/KR20120124675A/en
Publication of KR20120124675A publication Critical patent/KR20120124675A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials

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  • Engineering & Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • General Engineering & Computer Science (AREA)
  • Signal Processing (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Software Systems (AREA)
  • Computer Hardware Design (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • General Business, Economics & Management (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

PURPOSE: A bank account management method and a system thereof are provided to enable a financial institution to reduce the burden of preparing money for interest by generating a child account while opening a bank account for future interest payment. CONSTITUTION: A personal identification information is received from a terminal(S200). Customer authentication is performed by using the personal identification information(S210). If the customer authentication is successful, main account generation request information is received from the terminal(S230). A main account is generated based on the main account generation request information(S240). Interest payment identification information for the generated main account is received(S260). [Reference numerals] (AA) Start; (BB) Has customer authentication succeeded?; (CC,FF,II) No; (DD,GG,JJ) Yes; (EE) New account generation?; (HH) Future interest payment?; (KK) End; (S200) Receiving personal identification information; (S210) Performing customer authentication using the personal identification information; (S220) Transmitting a customer authentication failure message; (S230) Receiving main account generation request information; (S240) Generating a main account; (S250) Receiving information on an account to be changed; (S260) Receiving interest payment identification information about the main account; (S270) Automatically generating a sub account

Description

A METHOD AND A SYSTEM FOR MANAGING A DEPOSIT ACCOUNT}

The present invention relates to a method and system for operating a deposit account.

Due to the rapid development of the financial industry, financial institutions are now offering various services such as time deposits, free savings deposits and housing installments. However, there is a problem in that the service can be provided with a profit amount after a certain period in a subsequent interest method. In addition, even in the case of pre-interest deposit products, there is a problem that hinder the smooth flow of financial institutions by providing the interest amount mainly in cash.

An object of the present invention is to provide a deposit account operating method and system for reducing the burden on financial institutions in accordance with the prepayment of interest, and to generate revenue for the interest amount of the customer.

In order to achieve the above object, the present invention, if the customer authentication unit receives personal identification information from the terminal, the customer authentication unit performs the customer authentication using the personal identification information, the customer authentication unit is successful in customer authentication, account The generation unit receives the mother account creation request information from the terminal, the account generation unit generates a mother account based on the mother account creation request information, the account generation unit receives the interest payment identification information for the generated mother account, the interest payment When the identification information specifies to prepay the deposit interest for the mother account, the account generator provides a method for operating a deposit account, characterized in that it automatically generates a magnetic account for the mother account.

The present invention checks whether the asset asset is deposited into the mother account, and when the result of the check indicates that the asset is deposited into the mother account, the asset asset portion calculates the deposit interest for the mother account, and the interest payment portion is calculated. It provides a method for operating a deposit account, characterized in that the deposit interest is automatically deposited into the account.

The present invention compares the deposit amount deposited into the mother account and the payment amount for the mother account, and the result of the comparison indicates that when the deposit amount is equal to or larger than the payment amount, the payment of the asset asset to the mother account is approved. And transmitting a message to the terminal, and if the deposit amount is less than the payment amount, the asset asset sending unit transmits a non-payment approval message to the terminal.

According to the present invention, when the middle cancellation processing unit receives the middle request information from the terminal and the middle request information specifies the middle termination of the mother account, the middle termination processing unit automatically cancels the magnetic account for the mother account. And if the request for reimbursement information specifies a revocation of the account, the deposit asset calculates the deposit interest for the account using the retirement interest rate information for the account. Provide operational methods.

In order to achieve the above object, the present invention, the customer authentication unit for receiving the personal identification information from the terminal, and performs the customer authentication using the personal identification information, when the customer authentication unit is successful in the customer authentication, the mother account creation request from the terminal Receiving information, generating a mother account based on the mother account creation request information, receiving interest payment identification information on the generated mother account, and specifying that the interest payment identification information prepays the deposit interest for the mother account; The account generation unit which automatically generates a magnetic account for the mother account, confirms whether or not the deposit to the mother account, and if the deposit resulted in the mother account, calculating the deposit interest for the mother account And an interest payment unit for automatically depositing the calculated deposit interest into a magnetic account. It provides gold account management systems.

According to the present invention, by opening a savings account for prepaid interest, that is, a mother account and simultaneously creating a self account, a financial institution can reduce the burden of having to prepare an interest amount. In addition, by automatically depositing the deposit interest for the parent account in the own account, the customer can expect additional revenue for the deposit interest.

1 is a view showing a schematic configuration of a deposit account operating system 200 for payment of interest as an embodiment to which the present invention is applied.
2 illustrates a method for generating a mother account and a magnetic account as an embodiment to which the present invention is applied.
3 is a diagram illustrating a method of paying a pre-payment to a magnetic account as an embodiment to which the present invention is applied.
Figure 4 is an embodiment to which the present invention is applied, showing a halfway cancellation method.

The terms or words used in this specification and claims are not to be construed as limiting in their usual or dictionary meanings, and the inventors may appropriately define the concepts of terms in order to best describe their invention. It should be interpreted as meaning and concept corresponding to the technical idea of the present invention based on the principle that the present invention. Therefore, the embodiments described in this specification and the configurations shown in the drawings are merely the most preferred embodiments of the present invention and do not represent all the technical ideas of the present invention. Therefore, It is to be understood that equivalents and modifications are possible. Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a view showing a schematic configuration of a deposit account operating system 200 for payment of interest as an embodiment to which the present invention is applied.

Referring to FIG. 1, the deposit account operating system 200 may be connected to the terminal 100 through a wired / wireless communication network. The terminal 100 is a means that can be connected to the deposit account management system 200 by wire or wirelessly, may mean a bank terminal, it may also mean a customer terminal. The deposit account management system 200 is a customer authentication unit 210, account generation unit 220, interest rate determination unit 230, asset asset 240, interest payment unit 250 and the middle termination processing unit 260 It may include.

The customer authentication unit 210 may perform customer authentication using personal identification information of the customer. The personal identification information may refer to authentication information for specifying a customer. For example, the personal identification information may include a customer's name, social security number, i-pin (internet personal identification number), and a public certificate.

The account generation unit 220 may generate a deposit account (hereinafter, referred to as a mother account) for prepayment. The parent account may be created by establishing a new account, or may be created by changing an existing deposit account. The new account may be established using personal identification information, account number information, deposit product information, deposit interest rate information, etc. received from the terminal 100. Alternatively, the account generation unit 220 may receive the existing deposit account information and the change request information to the prepayment account from the terminal 100, and use this to change the existing deposit account to the prepayment account. In addition, the account generation unit 220 may further include an account information database unit (not shown), the account information database unit (not shown) is the information about the generated account, for example, a deposit account number, Payment amount, deposit rate, etc. can be stored. A detailed account creation method will be described with reference to FIG. 2.

The interest rate determination unit 230 may determine a basic interest rate. In addition, the interest rate determination unit 230 may adjust the determined base rate based on the personal information of the customer. In this case, the interest rate determining unit 230 may further include an interest rate adjusting unit (not shown). The customer's personal information may include the customer's credit rating, job, salary, current transaction performance and past due history information. The personal information of the customer may be received from the terminal 100 and may be stored in a personal information database unit (not shown).

The asset asset 240 may calculate deposit interest for the mother account using the payment amount and deposit rate of the mother account. In addition, the asset asset 240 may calculate the deposit interest of the magnetic account for the parent account. The magnetic account may mean a deposit account for paying the deposit interest of the mother account in advance. The magnetic account may be dependent on the creation and termination of the parent account.

The interest payment unit 250 may pay the deposit interest calculated at the asset asset 240 to the mother account or the magnetic account. The middle termination processing unit 260 is linked to the asset asset 240 and the interest payment unit 250, and performs a middle termination process by determining whether the middle termination request for the mother account or the middle termination request for the own account. can do. A detailed deposit interest payment method will be described with reference to FIGS. 3 and 4.

2 illustrates a method for generating a mother account and a magnetic account as an embodiment to which the present invention is applied.

Referring to FIG. 2, the customer authentication unit 210 may receive personal identification information from the terminal 100 (S200). As described above with reference to FIG. 1, the personal identification information may mean authentication information for specifying a customer. The customer authentication unit 210 may perform customer authentication using the personal identification information (S210).

If the customer authentication fails, the customer authentication unit 210 may transmit a customer authentication failure message to the terminal 100 (S220). If the customer authentication is successful in the customer authentication unit 210, the account generation unit 220 may receive the mother account creation request information from the terminal 100 (S230). The mother account creation request information may mean information for specifying generation of a deposit account, that is, a mother account for payment of prepaid interest. Furthermore, when generating the mother account, the mother account creation request information may specify whether to create by creating a new account or by changing an existing deposit account.

When the received mother account creation request information specifies to create a mother account by establishing a new account, the account generation unit 220 may generate a mother account using personal identification information and account information (S240). The account information may include account number information, deposit product information, and deposit interest rate information.

If the received mother account creation request information specifies to generate a mother account by changing an existing deposit account, the account generation unit 220 receives the account information to be changed from the terminal 100 (S250), The mother account may be generated using the account information which is the target of change (S240). The account information subject to the change may include previous deposit account number information.

The account generation unit 220 may receive the interest payment identification information for the mother account (S260). The interest payment identification information may refer to information specifying a method of paying deposit interest for the mother account. For example, the interest payment identification information may be information specifying whether to pay the deposit interest on the mother account or pay it at maturity.

When the interest payment identification information specifies to prepay the deposit interest for the mother account, the account generator 220 may automatically generate a magnetic account for the mother account (S270). The deposit rate of the magnetic account may be set equal to the deposit rate of the mother account. In addition, the due date of the magnetic account may be set to be the same as the due date of the parent account.

3 is a diagram illustrating a method of paying a pre-payment to a magnetic account as an embodiment to which the present invention is applied.

Referring to Figure 3, the asset asset 240 may determine whether the transfer to the mother account (S300). As a result of the check, when the deposit is made to the mother account, the asset asset 240 may compare the deposit amount of the mother account with the payment amount of the mother account (S310).

As a result of the comparison, when the deposit amount is equal to or larger than the payment amount, the asset asset 240 may transmit a payment approval message to the mother account to the terminal 100 and calculate the deposit interest for the mother account. There is (S320). The interest payment unit 250 may automatically deposit the calculated deposit interest into the account (S330). However, as a result of the comparison, when the deposit amount is smaller than the payment amount, the asset asset 240 may transmit a non-payment disapproval message to the terminal 100 (S340).

Figure 4 is an embodiment to which the present invention is applied, showing a halfway cancellation method.

Referring to FIG. 4, the middle cancellation processing unit 260 may receive the middle request information from the terminal 100 (S400). The request for neutralization information may mean information for specifying whether to be canceled. Further, the request for neutralization information may specify whether the revocation of the parent account or the revocation of the own account.

When the request for neutralization specifies the termination of the mother account, the termination process processor 260 may automatically cancel the magnetic account for the mother account (S410). That is, the magnetic account may be set to be dependent on the termination of the mother account. In this case, the asset asset 240 may calculate deposit interest for the mother account using the intermediate termination rate information (S420). The interest payment unit 250 may pay the calculated deposit interest to the mother account (S430).

However, when the request for reimbursement information specifies a revocation of the account, the asset asset 240 may calculate the deposit interest for the account using the retirement interest rate information for the account ( S440). In addition, the interest payment unit 250 may pay the deposit interest for the calculated account to the account (S450). That is, the parent account may be set to be independent of the cancellation of the middle account. However, when the middle termination processing unit 260 receives the middle termination request information specifying the middle termination of the mother account from the terminal 100, the interest payment unit 250 is already paid to the own account from the payment amount of the mother account. It may be paid by deducting any deposit interest.

Claims (15)

Receiving, by the customer authentication unit, personal identification information from the terminal;
Performing customer authentication by the customer authentication unit using the personal identification information;
Receiving, by the account generation unit, mother account creation request information from the terminal when the customer authentication unit succeeds in authenticating the customer;
Generating, by the account generation unit, a mother account based on the mother account creation request information;
Receiving, by the account generation unit, interest payment identification information about the generated mother account; And
And if the interest payment identification information specifies to prepay the deposit interest for the mother account, the account generation unit automatically generating a magnetic account for the mother account. The method of claim 1, wherein generating the parent account,
If the received mother account creation request information to specify the creation of a mother account by establishing a new account, the account generation unit comprising the step of generating a mother account using personal identification information and account information,
The account information, the account number information, deposit product information, deposit account information method comprising the deposit interest rate information. The method of claim 1, wherein generating the parent account,
Receiving, by the account generation unit, account information to be changed from the terminal when the received mother account creation request information specifies to generate a mother account by changing an existing deposit account; And
Wherein the account generation unit comprises the step of generating a mother account using the account information to be changed,
The account information that is subject to the change is a deposit account operating method, characterized in that it comprises the previous account information. The method of claim 1,
Checking whether the asset is released to the mother account;
Calculating the deposit interest for the parent account when the deposit is made to the mother account as a result of the checking; And
The interest payment method further comprises the step of depositing the calculated deposit interest to the account automatically the deposit account operating method. The method of claim 4, wherein the calculating of interest on deposits for the parent account includes:
Comparing the deposit amount deposited into the mother account and the payment amount of the mother account by the asset asset release; And
As a result of the comparison, when the deposit amount is the same as or greater than the payment amount, the asset release unit sends a payment approval message to the mother account to the terminal, and when the deposit amount is smaller than the payment amount, the asset asset unit is sent to the terminal. The method of claim 1 further comprising the step of transmitting a non-payment unauthorized message. The method of claim 4, wherein
Receiving, by the cancellation processing unit, the request for neutralization from the terminal; And
When the request for cancellation request specifies the cancellation of the mother account, the cancellation process automatically cancels the magnetic account for the mother account, and the request for cancellation specifies the cancellation of the account for the mother account. And calculating the deposit interest for the account using the intermediate termination rate information on the account of the asset asset. The method of claim 6, wherein the step of automatically canceling the magnetic account,
Calculating interest on the mother account using the intermediate termination rate information on the mother account; And
The method of claim 1, wherein the interest payment further comprises the step of paying the calculated interest to the mother account. The method of claim 1,
The interest payment identification information is a method of operating a deposit account, characterized in that specifying whether to pay the deposit interest on the mother account when opening the mother account or at maturity. A customer authentication unit which receives personal identification information from a terminal and performs customer authentication using the personal identification information;
When the customer authentication unit succeeds in the customer authentication, receives the mother account creation request information from the terminal, generates a mother account based on the mother account creation request information, receives the interest payment identification information for the generated mother account, the interest payment An account generation unit for automatically generating a magnetic account for the mother account, when the identification information specifies to prepay the deposit interest for the mother account;
Confirming whether or not the payment is made to the mother account, and if the deposit is made to the mother account, calculating the deposit interest on the mother account; And
Deposit account management system comprising an interest payment unit for automatically depositing the calculated deposit interest to the account. The method of claim 9,
When the account generation unit specifies that the received mother account creation request information creates a mother account by establishing a new account, the account generation unit generates a mother account using personal identification information and account information.
The account information deposit account management system, characterized in that it comprises account number information, deposit product information, deposit interest rate information. The method of claim 9,
When the account generation unit specifies that the received mother account creation request information generates a mother account by changing an existing deposit account, receiving the account information to be changed from the terminal and generating a mother account using the account information to be changed. ,
The account information that is subject to the change is a deposit account management system, characterized in that it comprises the previous account information. The method of claim 9,
The asset asset unit compares the deposit amount deposited into the mother account and the payment amount of the mother account, and when the comparison result shows that the deposit amount is equal to or greater than the payment amount, the payment authorization message to the mother account is transmitted to the terminal. If the deposit amount is less than the payment amount, deposit account management system characterized in that for transmitting the non-payment disapproval message to the terminal The method of claim 9,
Receiving the request for neutralization request information from the terminal, and the request for cancellation information further specifies the termination of the mother account, the middle termination processing unit further comprises a middle termination processing unit for automatically canceling the self-account for the mother account; Deposit account operating system, characterized in that The method of claim 13, wherein when the account is automatically canceled,
The deposit asset management system calculates the interest on the mother account using the interest cancellation rate information on the mother account, and the interest payment unit pays the calculated interest to the mother account. The method of claim 9,
The interest payment identification information is a deposit account management system, characterized in that the information specifying whether to pay the deposit interest on the mother account when opening the mother account or at maturity.
KR1020110042479A 2011-05-04 2011-05-04 A method and a system for managing a deposit account KR20120124675A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105225112A (en) * 2014-06-20 2016-01-06 中国电信股份有限公司 Mobile payment authorization method and server
KR20190015076A (en) * 2017-08-04 2019-02-13 한국카카오은행 주식회사 Management server of bank affairs and method for managing account deposit by dividing

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105225112A (en) * 2014-06-20 2016-01-06 中国电信股份有限公司 Mobile payment authorization method and server
KR20190015076A (en) * 2017-08-04 2019-02-13 한국카카오은행 주식회사 Management server of bank affairs and method for managing account deposit by dividing

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