KR20130007488A - Deposit service method based on the balance of a bankbook - Google Patents

Abstract

PURPOSE: A deposit service method based on a bank balance is provided to automatically offer high interest proportional to a fixed deposit when a bank balance of a client is satisfied to a setting condition during a set period. CONSTITUTION: An account in a first bankbook for payment on demand is matched with a service setting value and the matched value is registered in a deposit service(S602). Whether a present day is an interest calculation day or not is determined(S603,S604). A balance of the first bankbook for payment on demand is grasped(S605). A monthly sum of evaluation is grasped during a unit calculation period by using the balance of the first bankbook for payment on demand(S607). Additional interest for the monthly sum of evaluation is calculated(S608). [Reference numerals] (AA) Start; (BB) No; (CC) Yes; (DD) End; (S601) Opening a bankbook for payment on demand; (S602) Registering a deposit service; (S603) Checking a present day; (S604) Additional interest calculation date; (S605) Checking the balance of the bankbook for payment on demand in a unit adjustment period; (S606) Checking the monthly minimum balance; (S607) Checking an evaluated sum by comparing a setting unit sum; (S608) Calculating an additional interest for the evaluated sum; (S609) Providing the additional interest

Description

Deposit service method based on the balance of a bankbook}

The present invention relates to a deposit service based on a bank account balance, and more particularly, to a deposit service based on a bank account balance that determines and provides additional interest payments based on the balance of an unreserved demand bank account.

Currently, as deposit products provided by financial institutions such as banks, demand deposits that anyone can easily use and savings deposits that can be used when certain conditions are satisfied are typical.

Demand deposits are deposits with free deposits and withdrawals, which are usually low-rate deposits. These include ordinary deposits (called savings deposits), separate deposits, and overdraft deposits. Savings deposits guarantee a higher interest rate than required deposits. Instead, they have a subscription condition that requires a certain amount of money to be kept for a certain period of time without deposit or withdrawal.

On the other hand, customers are using financial institutions such as banks to store, manage, and loan funds.In order to obtain higher profits, customers can efficiently operate high-interest products, high-yield products or short-term funds among financial institutions. There is a lot of interest in the products.

However, since high-interest products or high-yield products of the conventional deposit products can be subscribed only if they satisfy certain subscription conditions, customers who do not meet the subscription conditions, that is, those who have short-term liquidity funds, customers who have to deposit or withdraw from time to time, deposit deposit amount Low customers, etc., are alienated from financial institutions in guaranteeing higher returns from deposits.

Currently, each financial institution develops various financial products to attract customers and develops products to meet the needs of customers who maintain a continuous transaction.

However, financial institutions have yet to provide products that guarantee higher interest rates than ordinary demand deposits for various types of funds that do not join savings deposits, despite efforts to develop products.

Therefore, there is a need for a financial product that guarantees a high interest rate without having to subscribe to a regular deposit while maintaining the convenience of a customer's deposit and withdrawal account.

The technical problem of the present invention is to provide a deposit service method based on the account balance that can provide an interest rate comparable to the periodic deposit in consideration of the customer's funds situation.

According to the present invention for achieving the above object, there is provided a method of providing additional interest in addition to the basic interest according to the interest rate set for the first demand bankbook free and withdrawal. According to this method, a first step of registering the account of the first unreserved account and the account set value to the deposit service, the account book management server, the account book management server based on the unit settlement period included in the service set value A second step of determining whether a current date is a release date of a deferred asset, and a third step of determining a balance of the first unreserved bankbook during the unit settlement period when the current date is a release date of a deferred asset, the bankbook management A fourth step of determining, by the server, the monthly evaluation amount in the unit settlement period based on the set unit amount included in the service setting value by using the balance of the first unreserved account book during the unit settlement period; and

The bankbook management server includes a fifth step of calculating the additional interest for the monthly valuation amount and providing the calculated additional interest to the account of the first unreserved account.

In the fourth step, the process of determining the minimum balance of the first unsuccessful bankbook held constant for each unit month during the unit settlement period, and the set unit amount of money satisfying the minimum balance of the first unsuccessful bankbook per individual month Determining a maximum multiple of, and determining a maximum multiple of the set unit amount as an evaluation amount of a corresponding month.

Alternatively, the fourth step is a process of grasping the average balance of the first unsuccessful bankbook for each month during the unit settlement period, the maximum of the set unit amount satisfies the average balance of the first unsuccessful bankbook for each unit month And a process of grasping a multiple of the set unit amount as an evaluation amount of the month.

Alternatively, the fourth step is a process of determining the minimum balance of the first unsuccessful bankbook that is kept constant for every unit month during the unit settlement period, the set unit amount of money from the minimum balance of the first unsuccessful bankbook per unit month Determining a deduction amount by subtracting the deduction rate, determining a maximum multiple of the set unit amount satisfied by the unit monthly deduction, and determining a maximum multiple of the set unit amount as an evaluation amount of the corresponding month. .

Alternatively, the fourth step is a process of grasping the average balance of the first unsuccessful bankbook for each unit month during the unit settlement period, by subtracting the set unit amount from the average balance of the first unsuccessful bankbook for each unit month And determining a maximum multiple of the set unit amount of money satisfied by the unit monthly payment amount, and a step of identifying the maximum multiple of the set unit amount as an evaluation amount of the corresponding month.

The fifth step is to pay the first interest set by the monthly valuation amount by the set unit amount, wherein the additional interest is the sum of the first interest.

In the fifth step, the additional interest may be calculated by providing a weighted interest rate according to at least one of the size of the monthly valuation amount and the balance maintenance period of the monthly valuation amount.

According to the present invention, when a bank account balance of a customer who makes a deposit and withdrawal at any time without satisfying a separate deposit is satisfied with a set condition for a set period, there is an effect of automatically receiving a high interest rate corresponding to the deposit.

In addition, according to the present invention, there is an effect that allows the financial institution to occupy an advantageous position in attracting customers as compared to other financial institutions as a deposit product to which the embodiment of the present invention is applied.

1 is a first conceptual diagram of a deposit service method based on an account balance according to an embodiment of the present invention.
2 is a second conceptual diagram of a deposit service method based on an account balance according to an embodiment of the present invention.
3 is a third conceptual diagram of a deposit service method based on an account balance according to an embodiment of the present invention.
4 is a network diagram of a deposit service system according to an exemplary embodiment of the present invention.
5 is a required configuration diagram of the deposit service system according to an embodiment of the present invention.
6 is a detailed embodiment of the deposit service method based on the bank account balance according to the first embodiment of the present invention.
7 is a detailed embodiment of the deposit service method based on the remaining balance according to the second embodiment of the present invention.
8 is a detailed embodiment of the deposit service method based on the remaining balance according to a third embodiment of the present invention.
9 is a detailed embodiment of the deposit service method based on the remaining balance according to the fourth embodiment of the present invention.
10 is a detailed embodiment of the deposit service method based on the remaining balance according to the fifth embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. 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.

Hereinafter, a deposit service method based on an account balance according to an embodiment of the present invention will be described with reference to FIGS. 1 to 8.

1 is a first conceptual diagram of a deposit service method based on an account balance according to an embodiment of the present invention.

The first concept according to the present invention is the interest according to the additional interest rate, that is, the additional interest separately from the interest of the ordinary deposit granted to the required bankbook based on the balance of the required bankbook against the demand bankbook (bank account with which deposit and withdrawal is free) opened by the customer. Provide a deposit service to provide.

For deposit services, i.e. to provide additional interest, the unit settlement period, the set unit amount and the period for which the asset is released must be registered in response to the unreserved account. The unit setting period, the set unit amount, and the asset release period are variable values necessary for calculating additional interest, hereinafter referred to as service setting values.

Of course, the service setting value may further include a weighting condition in addition to the unit setting period, the set unit amount of money, and the asset release period. The weighting condition is a condition for the interest rate of additional interest, and the interest rate varies depending on the size of the balance of the unpaid bankbook or the length of the balance maintenance period. For example, the larger the balance of the unpaid bankbook, the higher the interest rate may be provided to provide more additional interest, or the longer the balance maintenance period, the higher the interest rate may be to provide more additional interest. Here, the balance maintenance period is the period in which the balance of unpaid accounts is maintained to provide additional interest.

The deposit service according to the first concept calculates and provides additional interest using the service set value and the balance of the unpaid bankbook.

The unit settlement period is a unit period for calculating additional interest, and is arbitrarily set for one month, three months, six months, etc., and is set at the request of the customer or automatically set to a default value.

The unit setting amount is the minimum amount for determining whether additional interest is provided. The set unit amount can be arbitrarily set such as 100,000 won, 500,000 won or 1 million won.

The additional interest is calculated using the minimum balance of unpaid accounts required per unit month in the settlement period. Specifically, the minimum monthly balance of the unpaid bankbook, which is kept constant within the unit settlement period, is evaluated based on the unit setting amount, and additional interest is calculated according to the additional interest rate set according to the estimated amount and / or balance maintenance period.

In the following description, the remaining balance of the unsuccessful bankbook evaluated as the unit setting amount (ie, the remaining balance of the unreserved bankbook used for calculating interest) is referred to as an evaluation amount. Therefore, the evaluation amount is a unit setting amount or an amount corresponding to (unit setting amount x N (N is a natural number of 2 or more)). For example, if the unit setting amount is 500,000 won, the valuation amount is 500,000 won, 1 million won, 1.5 million won, and 2 million won. . . . Etc. The valuation may of course be zero, but in this case no additional interest is provided.

In Figure 1 A to J corresponds to the unit setting amount, wherein the unit setting amount is shown to be 1 million won.

Since each variable of the service setting value can be changed to an arbitrary value, there are various ways of calculating and providing additional interest.

Specifically, various examples of additional interest calculation and provision methods are as follows. Here, it will be explained that the regular deposit was opened on January 1.

Method 1. Set the unit settlement period to 1 month, and set the asset release period to 1 month

Method 1 calculates additional interest at the end of each month or on the first day of the following month or on a set specific day (eg, 3 days, 5 days, 15 days, etc.). At this time, the additional interest calculation is based on one month, and the valuation amount of the balance maintained for one month is used to calculate additional interest.

Referring to FIG. 1, when the unit settlement period is one month, additional interest calculation dates are February 1, March 1, and April 1, and when the set unit amount is 1 million won, February 1 3 million won (three set unit amounts) on March 1, 4 million won (four set unit amounts) on March 1, and 3 million won (three set unit amounts) on April 1 as the evaluation amount.

Therefore, on February 1, one additional month of interest on three set unit amounts (A, B, C) or 3 million won (A + B + C) is provided, and on March 1, four set unit amounts (D , E, F, G) or $ 4 million (D + E + F + G) for one month of additional interest, and on April 1st, three set unit amounts (H, I, J) or $ 3 million ( H + I + J) provides one month additional interest.

In this case, providing one month of additional interest for three set unit amounts means that one month of additional interest for one set unit amount is given three times. In addition, providing 1 month of additional interest for 3 million won means providing 1 month of additional interest based on the total amount.

Providing additional interest for three set unit amounts and providing additional interest for three million won may be the same, but may differ. Another case is when interest rates vary for the total amount of money. That is, the deposit service according to the present invention may provide additional interest by increasing the additional interest rate as the total amount of money is large (corresponding to the weighting condition).

The method of providing additional interest for each set unit amount and the method of providing additional interest for the total amount are applied to the method of calculating and providing additional interest described below. In the following explanation of the method of calculating and providing additional interest, only the method of providing additional interest on the total amount will be described for clarity.

Method 2. Set the unit settlement period in the unit of multiple months and the period of the asset release in the unit settlement period

Method 2 sets and calculates additional interest on a multimonthly basis. For example, if the multi-month unit is three months and the account opening date is January 1, the additional interest calculation dates are April 1, July 1, and October 1. Of course, the last day may be the calculated day, such as March 31, June 30, and September 30, and additional interest calculation days may be set in units of three months on the basis of a specific day.

Referring to FIG. 1, the additional interest calculation date is April 1, and when the set unit amount is 1 million won, it is determined that 3 million won is the valuation amount on April 1. Therefore, on April 1, three months of interest on three million won is provided for three months.

Here, it is possible to set the additional interest of one month in Method 1 and the additional interest of three months in Method 2 to be the same, but in the case of maintaining the balance for a longer period, the additional interest of three months can be set higher than the interest of one month.

Method 3. Set the unit settlement period in multiple months and the asset release period in one month

Method 3, like variant 2, sets an additional interest calculation date in units of multiple months. For example, if the multi-month unit is three months and the account opening date is January 1, the additional interest calculation dates are April 1, July 1, and October 1. Of course, the last day may be the calculated day, such as March 31, June 30, and September 30, and additional interest calculation days may be set in units of three months on the basis of a specific day.

And method 3 grasps the valuation amount for each month of a plurality of months on the date of calculation of additional interest, and calculates the additional interest corresponding to the valuation amount.

Referring to FIG. 1, the additional interest calculation date is April 1, and when the set unit amount is 1 million won, the evaluation amounts for January, February, and March are grasped on April 1, 1 We estimate 3 million won for the month, 4 million won for the month of February, and 3 million won for the month of March.

Therefore, on April 1, a one-month additional interest for three million won in January, an additional interest for four million won in February, and an additional interest for three million won in March are calculated and provided.

Method 4. Set the unit settlement period in units of multiple months and set the period for the release of this asset as the number of consecutive months of valuation

Method 4 calculates additional interest every set multi-month unit, grasps the valuation amount for each month when calculating the additional interest, and calculates additional interest for the valuation amount that lasted for several months from the valuation amount.

Referring to FIG. 1, the additional interest calculation date is April 1, and if the set unit amount is 1 million won, the appraisal amount for January, February and March is grasped on April 1, 1 We estimate 3 million won for the month, 4 million won for the month of February, and 3 million won for the month of March.

In addition, it calculates additional interest by grasping how many months the valuation amount of 3 million won in January is, and according to FIG.

If 4 million won in January, 2 million won in February, and 3 million won in March, each month's valuation amount, Variant 4 provides an additional monthly interest of 4 million won for January, and from February In March, 2 million won was held for 2 consecutive months, so 2 months of additional interest is provided for 2 million won. And the remaining 1 million won in March remaining 2 million won provides one month of additional interest. Here, it is possible to have two more months of interest than one month of additional interest.

Hereinafter, a second concept according to the present invention will be described with reference to FIG. 2. 2 is a second conceptual diagram of a deposit service method based on an account balance according to an embodiment of the present invention.

As shown in FIG. 2, the deposit service according to the second concept of the present invention calculates and provides additional interest based on the average balance of the unsuccessful bankbook for the unsuccessful bankbook opened by the customer.

That is, in the deposit service according to the second concept of the present invention, as shown in FIG. 2, the balance of the daily required bankbook is determined, the accumulated daily required bankbook balances are added, and the sum of the sums is divided by the sum of the average balances. Calculate and provide additional interest based on the average balance of the unpaid bankbook. Of course, the deposit service according to the second concept, as in the first concept, calculates additional interest using the service setting value.

Therefore, the deposit service according to the second concept also calculates and provides additional interest using the aforementioned various additional interest calculation and provision methods as in the first concept.

3 is a third conceptual diagram of a deposit service method based on an account balance according to an embodiment of the present invention. As shown in FIG. 3, the deposit service according to the third concept of the present invention calculates additional interest based on the remaining balance of the unsuccessful bank account for the unsuccessful bankbook opened by the customer as in the first concept. to provide.

However, the deposit service according to the third concept provides additional interest on an valuation amount of more than the minimum set unit amount. In other words, when 1 million won is set as the set unit amount as shown in FIG. Provide interest

For example, as shown in FIG. 3, based on the balance of the unpaid bank account, the set unit amount is 1 million won, and the unit settlement period is 1 month. On the 1st of March, 4 million won and the 3rd of April 3 million won will be evaluated.

Accordingly, in the second concept according to the present invention, on February 1, 2 million won after subtracting the minimum set unit amount of 1 million won from 3 million won is determined as an evaluation amount (hereinafter referred to as an "effective evaluation amount"), and on March 1 On April 1, 3 million won is subtracted from 1 million won, and on April 1, 2 million won is subtracted from 3 million won to 1 million won.

And on February 1, it provides additional interest corresponding to 2 million won, March 1 provides additional interest corresponding to 3 million won, and on April 1, it provides additional interest corresponding to 2 million won.

Meanwhile, similar to the first concept and the second concept, the deposit service according to the third concept calculates additional interest using service setting values, and accordingly, calculates and provides additional interest using the aforementioned various additional interest calculation and provision methods.

Hereinafter, with reference to 4 to 8 will be described in detail the deposit service method based on the bank account balance according to an embodiment of the present invention.

4 is a network diagram of a deposit service system according to an exemplary embodiment of the present invention. As shown in FIG. 4, the deposit service system according to an exemplary embodiment of the present invention is constructed based on a financial legacy system of a conventional bank. Generally, financial legacy systems of banks include backbone systems, information systems, account systems, banking systems, customer relationship management (CRM), and the like.

Deposit service system according to an embodiment of the present invention is configured to add a function for the present invention or a server (or device) for performing the function for the present invention in the account system. Deposit service system according to an embodiment of the present invention will be understood through the following description with reference to FIG.

A negative loan-based periodic deposit management system according to an embodiment of the present invention is a bank account management server 100, electronic document server 200, DBMS (Database Management System) (300), electronic document DB (400), banking server ( 500).

Bankbook management server 100 operates as a subject to perform the deposit service method based on the bankbook balance according to an embodiment of the present invention.

The bankbook management server 100 is located in the accounting system of the financial legacy system, and is in charge of opening and operating a bank account. Specifically, the bankbook management server 100 is responsible for opening the account of the request bankbook, registering the service setting value, identifying the balance (or average balance) of the request bankbook according to the service setting value, calculating and providing additional interest.

The term of the asset's expiration is information on the date of calculating the additional interest and is a condition for calculating additional interest every month or calculating additional interest on a plurality of months.

The bankbook management server 100 may be built in a normal account creation server (not shown) for creating an account of a financial product in the account system, and is constructed as a separate server (or device) for the financial service product of the present invention. Can be.

Bankbook management server 100 is connected to the window terminal 32 of the branch through a financial network (for example, financial common network or local network, etc.), and other configurations (200 to 500) and the corresponding bank network (that is, local network) Is connected through.

When the bankbook management server 100 receives the request for opening of the requested bankbook, it generates an account of the request bankbook and receives the additional interest service subscription request for the opened request bankbook according to the information included in the additional interest service subscription request. Register the setting value. Here, the additional interest service subscription request includes information on variables such as a unit setting period, a set unit amount, and an asset release period.

The bankbook management server 100 calculates additional interest for the required unpaid bankbook based on variables such as set unit setting period, set unit amount, and asset release period, and provides the calculated additional interest to the subscriber.

The electronic document server 200, the financial system (including the DBMS 300), the electronic document DB 400, and the banking server 500 constitute a system for a financial transaction. Herein, the financial system is a generic term for the remaining devices (servers) and systems except the electronic document server 200, the electronic document DB 400, and the banking server 500 among financial legacy systems.

The electronic document server 200 and the electronic document DB 500 are for storing a document of information on which financial product the customer subscribed to the financial products of the bank. The electronic document server 200 receives the electronic document for the unreserved bankbook opened from the bankbook management server 100 to generate electronic document information, the electronic document DB 400 is an electronic document generated by the electronic document server 400 Save the information.

The banking server 500 is connected to the customer terminal 31 via the Internet. The banking server 500 connects to the customer terminal 31 in connection with the DBMS 300 of the financial system so that the customer can use the financial service (eg, inquiry, transfer, etc.) through the Internet.

The DBMS 300 receives various information on the required deposit, the periodic deposit and the negative loan from the bankbook management server 100 to generate / store the ledger, store various information about the customer who opened the required bankbook, and request the bankbook. Stores the information of all financial transactions made through.

Therefore, through the information stored in the DBMS (300), it is possible to determine whether a specific customer has opened a demand bankbook, the details of the deposit and withdrawal through the request bankbook, whether or not additional interest service subscription, calculated / provided additional interest.

Hereinafter, each server 100 to 500 illustrated in FIG. 4 will be described in more detail with reference to FIG. 5. 5 is a required configuration diagram of the deposit service system according to an embodiment of the present invention.

Bankbook management server 100 local interface unit 110, I / O interface unit 120, image receiving unit 130, electronic document transmission unit 140, bank account opening unit 150, service setting unit 160 , An evaluation amount grasping unit 170, and an additional interest providing unit 180.

The local interface unit 110 interfaces with the customer terminal 31 window terminal 32 through a corresponding bank network (ie, a local network), and provides the window terminal 32 with various information for the present invention, or the window terminal. Various information for the service of the present invention are received from (32). The I / O interface unit 120 connects with various servers constituting the system of the present invention to enable data communication.

Here, the interface provided by the local interface unit 110 and the I / O interface unit 120 is based on the protocol stack defined in the communication network to be connected. In addition, the I / O interface unit 120 is located in not only the bankbook management server 100 but also other configurations (200 to 500, etc.) of the system according to the embodiment of the present invention.

The image receiving unit 130 receives image content (eg, an image file) of a request for non-banking subscription and a deposit service subscription for a specific customer received through the local interface 110.

In this case, the application for subscription of the requested bankbook shall include customer information such as personal information of the customer, subscription information informing the subscription of the requested bankbook provided by the bank, and operating condition information (eg, interest rate, etc.) of the requested bankbook. In addition, the application form for deposit service registration includes information such as account number, unit setting period, set unit amount, and period of release of the asset, membership, additional interest rate, etc.

The electronic document transmission unit 140 creates an electronic document, that is, an image file, using the image contents of the unrequested bank account subscription application and the deposit service subscription application, and transmits it to the electronic document server 200. In this case, the image file may be a PDF (Portable Document Format) file, a word processor file including at least one of HWP / DOC, and the like, and an electronic data interchange (EDI) file.

When the bank account opening unit 150 receives the request for opening the request bank account from the counter terminal 32 through the local interface unit 110, the account of the bank account request corresponding to the personal information of the customer 20 included in the request bank subscription application Create In addition, the bank account opening unit 150 generates a ledger for the unrequired bank account in response to the personal information of the customer 20 in connection with the financial system and stores the ledger in the DBMS 300. In addition, when the bank account opening unit 150 generates an account of the requested bank account, the bank account opening unit 150 provides the electronic document transmission unit 140 with the information of the bank account that is not required to be included in the electronic document.

When the service setting unit 160 receives the deposit service subscription request from the window terminal 32 through the local interface unit 110, the account setting unit 160 registers the account of the unrequired bank account included in the deposit service subscription application as a deposit service object and subscribes to the deposit service. The service settings included in the application are registered as variable values for calculating additional interest in correspondence with the account of the invoice requested.

The evaluation amount grasping unit 170 determines the balance or the average balance for the account of the required bank account according to the service set value registered by the service setting unit 160, and calculates the unit for each additional interest calculation date. The appraisal amount of the balance is identified based on the set unit amount.

The additional interest providing unit 180 calculates the additional interest using the valuation amount and the period of release of the asset and the set interest rate determined by the valuation amount identifying unit 170, and deposits the calculated additional interest into the account of the required bank account. . Of course, the additional interest providing unit 180 calculates additional interest by additionally considering the weighting condition if the weighting condition is included in the service setting value.

Next, the electronic document server 200 will be described.

The electronic document server 200 is a server included in the financial legacy system. The electronic document server 200 can store and manage the subscription information on the financial products to which the subscriber subscribes as an electronic document.

The electronic document server 200 includes an electronic document receiving unit 210, an information generating unit 220 and an electronic document storage unit 230. The electronic document receiving unit 210 receives the financial product electronic document including the image content provided by the electronic document transmitting unit 130 of the bankbook management server 100.

The information generating unit 220 includes a predetermined electronic document unique number (or unique information) to be assigned to the financial product electronic document received through the electronic document receiving unit 410, and the financial product electronic document is stored through the electronic document receiving unit 210. Generate electronic document management information including electronic document storage date and time information including the received date and time (or the date and time at which the financial instrument electronic document was stored).

The electronic document storage unit 230 stores the electronic document unique information and the electronic document management information generated by the information generating unit 220 in the electronic document DB 400.

Hereinafter, a first embodiment of the present invention will be described with reference to FIG. 6. 6 is a specific embodiment of the deposit service method based on the bank account balance according to the first embodiment of the present invention, an example of the first concept according to the present invention.

As shown in FIG. 6, the bank account opening unit 150 of the bank account management server 100 generates an account of the bank account required for the customer in accordance with the request bank subscription application received from the window terminal 32, and the financial system ( 300) (S601).

In addition, the service setting unit 160 matches the service setting values such as the unit settlement period, the set unit amount, and the retirement period of the asset, to the deposit service according to the deposit service subscription application received from the window terminal 32. Register (S602).

Of course, in step S602, a specific weight condition may be included in the service setting value. In S602, the unit settlement period is set at one month, two months, three months, six months, etc., and the set unit amount is set at one hundred thousand won, one million won, two million won, and the like. One is set in the settlement period, one month, and the number of consecutive months.

When the demand bankbook is opened, the customer is free to deposit or withdraw money using the demand bankbook, and the deposit or withdrawal transaction details using the demand bankbook are processed and managed in the financial system 300.

The evaluation amount grasping unit 170 grasps the unit settlement period for each unpaid bank account subscribed to the deposit service every day to determine whether the current date is the date of release of the asset (S603, S604).

If the current day is the date of release of the asset, the evaluation amount grasping unit 170 checks the daily unpaid balance of the required bank account within the unit settlement period (S605), and then grasps the least amount of the balance of the unpaid bankbook by month, that is, the minimum balance. (S606).

Then, the evaluation amount determining unit 170 compares the monthly minimum balance with the set unit amount to determine whether there is a month less than the unit set amount, and adds the month if there is a month in which the minimum balance is less than the set unit amount. Exclude from the month of interest payment. In addition, the evaluation amount grasping unit 170 determines the evaluation amount by comparing the minimum balance of the month in which the minimum balance is greater than or equal to the set unit amount to a multiple of the set unit amount (S607).

For example, if the minimum balance is 2.6 million won and the unit set amount is 1 million won, the amount of the remaining balance is 2 million won compared to 2 million won, which is twice the unit set amount, to determine whether the minimum balance is greater than 2 million won. Compare and determine if the minimum balance is greater than 3 million won. Since the minimum balance is 2.6 million won, which is less than 3 million won, the evaluation amount grasping unit 170 recognizes 2 million won, which is a multiple of the unit setting amount compared to the last time, as the evaluation amount.

In other words, the valuation amount is the maximum multiple of the set unit amount that satisfies the minimum balance of the required passbook.

The evaluation amount grasping unit 170 provides the monthly evaluation amount within the unit settlement period to the additional interest providing unit 180.

The additional interest providing unit 180 calculates additional interest by using the monthly valuation amount and the period of release of the assets. Of course, the additional interest providing unit 180 calculates additional interest by further adding the weighting condition if the weighting condition is included in the service setting value (S608).

In addition, the additional interest providing unit 180 deposits the calculated additional interest into the account of the required bank account (S609).

Hereinafter, a second embodiment of the present invention will be described with reference to FIG. 7. 7 is a specific embodiment of the deposit service method based on the remaining balance according to the second embodiment of the present invention, an example of the second concept according to the present invention.

As shown in FIG. 7, the second embodiment of the present invention is almost the same as the first embodiment of the present invention. However, the second embodiment of the present invention is different from the process S606 and S607 of the first embodiment of the present invention.

Therefore, the second embodiment of the present invention focuses on S706 and S707 corresponding to S606 and S607.

If the current day is the date of release of the asset, the evaluation amount grasping unit 170 checks the daily balance of the required bankbook in the unit settlement period (S705), and then grasps the average balance of the required bankbook by the month (S706).

Then, the evaluation amount determining unit 170 compares the monthly average balance with the set unit amount to determine whether there is a month less than the unit set amount, and adds the corresponding month if the average balance is less than the set unit amount. Exclude from the month of interest payment. In addition, the evaluation amount determining unit 170 determines the evaluation amount by comparing the average balance of months when the average balance is greater than or equal to the set unit amount to a multiple of the set unit amount (S707).

For example, if the average balance is 2.6 million won and the unit set amount is 1 million won, it is determined whether the average balance is greater than 2 million won by comparing 2.6 million won to 2 million won, which is twice the unit set amount. By comparison, it is determined whether the average balance is greater than 3 million won. Since the average balance is 2.6 million won, which is less than 3 million won, the evaluation amount grasping unit 170 identifies 2 million won, which is a multiple of the unit setting amount compared to the previous period, as the evaluation amount. In other words, the valuation amount is the maximum multiple of the set unit amount that satisfies the minimum balance of the required passbook.

The evaluation amount grasping unit 170 provides the monthly evaluation amount within the unit settlement period to the additional interest providing unit 180. Accordingly, the additional interest provider 180 uses the monthly valuation amount and the expiration date of the asset, or adds a weighting condition to calculate additional interest and deposits it in the account of the required bank account (S708, S709).

Hereinafter, a third embodiment of the present invention will be described with reference to FIG. 8. 8 is a specific embodiment of the deposit service method based on the remaining balance according to the third embodiment of the present invention, an example of a third concept according to the present invention.

As shown in FIG. 8, the third embodiment of the present invention is almost the same as the first embodiment of the present invention. However, the third embodiment of the present invention is different from the process after S606 of the first embodiment of the present invention.

Therefore, the third embodiment of the present invention focuses on the process after the process S806 corresponding to the process S606.

If the current day is the date of release of the asset, the evaluation amount grasping unit 170 grasps the required balance of the unpaid bankbook on a daily basis within the unit settlement period (S805), and then grasps the smallest amount, that is, the minimum balance of the balance of the failed bankbook on a monthly basis. (S606).

Then, the evaluation amount grasping unit 170 compares the monthly minimum balance with twice the set unit amount (set unit amount × 2) and determines whether there is a month less than the double unit set amount, and the minimum balance is doubled. If there is a month less than the set unit amount of, the month is excluded from the month providing additional interest. In addition, the evaluation amount determining unit 170 determines the minimum balance of the month in which the minimum balance is more than twice the set unit amount of money (S807).

In addition, the evaluation amount grasping unit 170 calculates the evaluation amount by comparing the deduction amount obtained by subtracting the set unit amount from the minimum balance of the month where the minimum balance is more than twice the set unit amount (S808) (S808). ).

For example, if the minimum balance is 2.6 million won and the unit set amount is 1 million won, the amount of the set unit is deducted from 2.6 million won to get 1.6 million won, then 1.6 million won is compared with 2 million won, which is twice the unit set amount. Determine if the deduction is greater than 2 million won. At this time, the deduction amount is 1.6 million won, which is less than 2 million won.

When the evaluation amount grasping unit 170 determines the monthly evaluation amount within the unit settlement period through the S808 process, the evaluation amount determining unit 170 provides the monthly evaluation amount determined to the additional interest providing unit 180, and the additional interest providing unit 180 determines the evaluation amount. The additional interest is calculated (S809), and the calculated additional interest is deposited into the account of the required bank account (S810).

Hereinafter, a fourth embodiment of the present invention will be described with reference to FIG. 9. 9 is a detailed embodiment of the deposit service method based on the remaining balance according to the fourth embodiment of the present invention.

The fourth embodiment of the present invention relates to a method of calculating an additional interest when a weight condition is set and is performed in the above-described steps S608, S708, and S809. That is, the additional interest calculation method is a process performed by the additional interest calculator 180.

This is a case where the weighting condition is included in the service setting value when registering the deposit service, and the weighting condition calculates additional interest with a six-month maturity, but sets an additional one-month interest rate, three-month additional interest rate, and six-month (expiration) additional interest rate. . Of course, the 6-month additional interest rate is the highest.

The evaluation amount grasping unit 170 provides the monthly evaluation amount within the unit settlement period to the additional interest providing unit 180, and the additional interest providing unit 180 uses the asset asset expiration period, weighting conditions, and the evaluation amount to add additional interest. Calculate. Here, the interest calculation period is set to the number of consecutive maintenance months (i.e., the balance maintenance period) of the monthly evaluation amount in the unit settlement period (see method 4 described above)

Accordingly, the additional interest provider 180 grasps the balance maintenance period for the monthly evaluation amount (S901).

If the balance is maintained for 6 months (S902), the additional interest providing unit 180 calculates 6 months of additional interest using 6 months of additional interest rates and provides 6 months of additional interest (S903).

If the additional interest providing unit 180 is maintained for five months (S904), the three-month additional interest is calculated using the three-month additional interest rate and three months additional interest is provided (S905), the maximum If the maintenance balance is maintained for four months (S906), three months of additional interest is provided for four months (S907).

If the maximum maintenance balance is maintained for three months (S908), the additional interest provider 180 provides three months of additional interest for three months (S909), and if the maximum maintenance balance is maintained for two months (S910). , 1 month additional interest is calculated using the 1 month additional interest rate and provides 1 month additional interest calculated (S911), if the maximum balance is maintained for 1 month (S912), 1 month additional interest 1 Provide months (S913).

If there is no maintenance period, the ordinary deposit interest rate, which is the basic interest rate of the required bankbook, is calculated and provided (S914).

Hereinafter, a fifth embodiment of the present invention will be described with reference to FIG. 10. 10 is a detailed embodiment of the deposit service method based on the remaining balance according to the fifth embodiment of the present invention.

A fifth embodiment of the present invention relates to a method of calculating an additional interest when a weight condition is set, and is performed in the above-described steps S608, S708, and S809. That is, the additional interest calculation method is a process performed by the additional interest calculator 180.

When registering the deposit service, the weighted condition is included in the service setting value, where the weighted condition calculates additional interest with a six-month maturity, but sets an additional one-month interest rate, three-month additional interest rate and six-month (expiration) additional interest rate, and evaluates This is the case where the additional interest rate is set differently according to the amount of money.

The evaluation amount grasping unit 170 provides the monthly evaluation amount within the unit settlement period to the additional interest providing unit 180, and the additional interest providing unit 180 uses the asset asset expiration period, weighting conditions, and the evaluation amount to add additional interest. Calculate. Here, the interest calculation period is set to the number of consecutive maintenance months (i.e., the balance maintenance period) of the monthly evaluation amount in the unit settlement period (see method 4 described above)

Accordingly, the additional interest provider 180 grasps the balance maintenance period and the size of the evaluation amount with respect to the monthly evaluation amount.

In FIG. 10, the evaluation amount is 3.5% (I) when the amount of money is 3 million won, 4% (J) when the price is 5 million won, and 4.5% (K) when the price is 7 million won. 0.3% (A) in the case, 0.5% (B) in 3 months, and 0.7% (C) in 6 months.

Accordingly, when the valuation amount is 3 million won, the additional interest calculation unit 180 sets the additional interest rate to 3.8% by adding 0.3% when the balance is maintained for 1 month while the additional interest rate is set to 3.5%. If the balance holding period is 3 months, 0.5% is added to set the additional interest rate to 4%. If the balance holding period is 6 months, the additional interest rate is added to 0.7% and the additional interest rate is set to 4.2%.

Similarly, when the valuation amount is 5 million won, the additional interest calculation unit 180 sets the additional interest rate to 4.3% by adding 0.3% if the balance is maintained for 1 month while the additional interest rate is set to 4%. If the balance is maintained for 3 months, 0.5% is added to set the additional interest rate to 4.5%. If the balance is maintained for 6 months, the additional interest rate is set to 4.7% by adding 0.7%.

In addition, when the valuation amount is 7 million won, the additional interest calculation unit 180 sets the additional interest rate to 4.8% by adding 0.3% when the balance is maintained for 1 month while the additional interest rate is set to 4.5%. If the balance is kept for 3 months, the additional interest rate is set to 5% by adding 0.5%. If the balance is kept for 6 months, the additional interest rate is set to 5.2% by adding 0.7%.

When the setting of the additional interest rate is completed as described above, the additional interest calculation unit 180 calculates additional interest on the valuation amount according to the set additional interest rate.

The embodiments of the present invention described above are not only implemented 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, The embodiments can be easily implemented by those skilled in the art from the description of the embodiments described above.

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.

31: user terminal 32: window terminal
100: bankbook management server 200: electronic document server
300: Financial system, DBMS 400: Electronic document DB
110: local interface unit 120: I / O interface unit
130: image receiving unit 140: electronic document transmission unit
150: bank account opening unit 160: service setting unit
170: evaluation amount grasp 180: additional interest provider

Claims (7)

In the method of providing additional interest in addition to the basic interest according to the interest rate set for the first demand bank account free and withdrawal,
A first step of registering, in the bank account management server, an account of the first unreserved bank account with a service setting value and registering it in a deposit service;
The second step of determining, by the bankbook management server, whether the current date is the date of release of the asset, based on the unit settlement period included in the service setting value;
The third step of determining, by the bankbook management server, the balance of the first unreserved bankbook during the unit settlement period when the current date is the date of release of the asset;
A fourth step of determining, by the bankbook management server, the monthly evaluation amount in the unit settlement period based on the set unit amount included in the service setting value using the balance of the first unrequested bankbook during the unit settlement period; And
And a fifth step of calculating, by the bankbook management server, the additional interest for the monthly valuation amount and providing the calculated additional interest to the account of the first demand bankbook. In claim 1,
The fourth step is a process for determining the minimum balance of the first unpaid bankbook that is kept constant for each unit month during the unit settlement period,
Determining a maximum multiple of the set unit amount of money satisfying the minimum balance of the first unsuccessful bankbook for each unit month;
Deposit service method based on the account balance, characterized in that it comprises the step of grasping the maximum multiple of the set unit amount as the evaluation amount of the month. In claim 1,
The fourth step is a process of determining the average balance of the first unpaid bankbook for each unit month during the unit settlement period,
Determining a maximum multiple of the set unit amount of money satisfied by the average balance of the first unsuccessful bankbook in the unit individual month;
Deposit service method based on the account balance, characterized in that it comprises the step of grasping the maximum multiple of the set unit amount as the evaluation amount of the month. In claim 1,
The fourth step is a process for determining the minimum balance of the first unpaid bankbook that is kept constant for each unit month during the unit settlement period,
Determining a deduction amount by subtracting the set unit amount from the minimum balance of the first unsuccessful bankbook for each unit month;
Determining a maximum multiple of the set unit amount satisfies the unit monthly deduction,
Deposit service method based on the account balance, characterized in that it comprises the step of grasping the maximum multiple of the set unit amount as the evaluation amount of the month. In claim 1,
The fourth step is a process of determining the average balance of the first unpaid bankbook for each unit month during the unit settlement period,
Determining a deduction amount by subtracting the set unit amount from the average balance of the first unsuccessful bankbook for each unit month;
Determining a maximum multiple of the set unit amount satisfies the unit monthly deduction,
Deposit service method based on the account balance, characterized in that it comprises the step of grasping the maximum multiple of the set unit amount as the evaluation amount of the month. The method according to any one of claims 2 to 5,
The fifth step is a deposit service method based on the balance of the bank account, characterized in that the first interest is set to pay the monthly valuation amount by the set unit amount, wherein the additional interest is the sum of the first interest. The method according to any one of claims 2 to 5,
The fifth step is a deposit service method based on the balance of the account, characterized in that to calculate the additional interest by providing a weighted interest rate according to at least one of the size of the monthly valuation amount and the balance maintenance period of the monthly valuation amount.

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