KR20130091955A - Method and apparatus for bank's providing saving account for small saver, method and apparatus for client's utilizing saving account for small saver - Google Patents

Abstract

PURPOSE: A method for a bank server to provide a small savings plan and a bank server thereof, and a method for a terminal to use the small savings plan of a bank and a terminal thereof are provided to enable a customer to access an internet banking system by using the terminal and automatically deposit saved money or spare money in a small savings account on a daily basis. CONSTITUTION: A bank server receives a deposit request for small savings from a customer terminal (1010). If the bank server receives the deposit request during an accumulation period which is set by the unit of a pre-set number of months, the bank server withdraws deposit-requested money from the master account of a customer and accumulates the withdrawn money into a small savings account of the customer (1020). If the expiration date of the accumulation period for the small savings account arrives, the bank server automatically withdraws accumulated savings from the small savings account and transfers the withdrawn savings to the master account (1030). [Reference numerals] (1010) A bank server receives a deposit request for small savings from a customer terminal; (1020) A bank server withdraws deposit-requested money from the master account of a customer for saving periods and accumulates the withdrawn money into a small savings account of the customer; (1030) A bank server automatically withdraws accumulated savings from a small savings account and transfers the withdrawn savings to a master account; (AA) Start; (BB) End

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and apparatus for providing a small-amount savings product to a bank server, saver}

The present invention relates to a method whereby a bank provides a small savings product and a customer utilizes a small savings product of the bank.

The most common product among banking products is savings products, which can be withdrawn and withdrawn through savings accounts provided by savings products. As individual customers' interest in economic activity grows and their knowledge of the economy becomes more and more abundant, banks will be able to create savings products that enable customers to save and build assets to satisfy diverse customer preferences, Deposits, and deposits.

As inflation rises and credit card usage increases, the importance of small amounts of cash or scrap is diminishing. Even if the customer wants to make a small deposit, he or she should inconvenience to visit the bank to save a small amount of cash. If you use the piggy bank to collect the change, it is difficult to grasp the current amount of the deposit and it is very likely that it will be used again easily.

The present invention provides a bank that provides a small-amount savings product and allows a customer who subscribes to a small-amount savings product of a bank to easily carry out an economic activity in which customers frequently save a small amount of money by using the opened account It is for this reason.

According to an embodiment of the present invention, a bank server provides a deposit / withdrawal service for a small-amount savings product, comprising: a deposit request for depositing an amount of a predetermined amount or less from the customer's terminal into the small- Receiving; Withdrawing the requested amount of money from the mother's account of the customer upon receipt of the deposit request for a predetermined accumulation period in units of a predetermined number of months and accumulating the withdrawn amount in the small savings account of the customer; And automatically depositing all the savings accumulated during the accumulation period in the small savings account and depositing money into the mother account when the expiration date of the accumulation period arrives.

When the expiration date of the accumulation period arrives, the savings amount accumulated during the accumulation period in the small savings account is automatically withdrawn by the bank server and transferred to the parent account, and the expiration date is expired The accumulation period can be repeatedly resumed.

According to one embodiment, at least one of a minimum deposit period in which the deposit request occurs at least once, an accumulation period in the predetermined number of days, and an expiration date in the accumulation period is determined based on the setting request received from the terminal .

A method of processing a bank deposit / withdrawal service of a small amount savings product according to an embodiment of the present invention is a method of processing a bank deposit / withdrawal service of a small amount savings product, Transmitting the deposit request to a bank server based on a customer's deposit request; Receiving, from the bank server, the processing result of the deposit requested by the bank server by the bank server from the bank server, deposited in the small savings account of the customer, and received as a result of the accumulation; And displaying the accumulation status of the small amount savings account according to a processing result of the bank server.

When the expiration date of the accumulation period specified in units of a predetermined number of months is reached, the small-amount savings account according to an embodiment automatically withdraws the savings accumulated in the accumulation period in the small savings account by the bank server and transfers the savings to the mother account , And the accumulation period may be repeatedly resumed when the expiration date has elapsed.

According to an embodiment of the present invention, a bank server providing a deposit and withdrawal service for a small amount savings product includes a customer database including parent's account information, small amount savings account information and personal information of a customer; A small amount saving transmission / reception unit receiving a deposit request for saving an amount of a predetermined amount or less from the customer terminal to the customer's small amount savings account on a daily basis and outputting a transaction processing result to the savings account to the terminal; A small amount saving processing unit for withdrawing the requested amount of money from the mother's account of the customer upon receipt of the deposit request for a predetermined accumulation period in units of a predetermined number of months and accumulating the deposited amount in the small amount savings account of the customer; And an expiration date processing unit for automatically withdrawing all of the savings accumulated during the accumulation period to transfer money to the parent account when the expiration date of the accumulation period arrives and repeating the accumulation period when the expiration date has elapsed do.

The terminal for using the small amount savings product of the bank according to the embodiment of the present invention is characterized in that the terminal for saving a small amount of money in the small amount savings account of the customer on a day- A transfer request transmitting unit for transferring the transfer request to the bank server; A processing result receiving unit for receiving from the bank server a deposit result of the deposit requested by the bank server by the bank server when the deposit request is issued and deposited in the small savings account of the customer; And a screen processing unit for displaying a small amount savings account transaction screen for illustrating the accumulation state of the small amount savings account according to a transaction request for the small amount savings account and a processing result of the bank server.

The present invention includes a computer-readable recording medium on which a program for computeratically implementing a method for providing deposit and withdrawal service of a small amount savings product by a bank server according to an embodiment is recorded. The present invention includes a computer-readable recording medium on which a program for computeratically implementing a method of processing a deposit and withdrawal service of a bank small-size savings product according to an embodiment of the present invention is recorded.

According to an exemplary embodiment, a customer using a small savings account provided by a bank can access an internet banking system using a customer's terminal, and automatically deposit the amount of money saved on a daily basis or a snare on a small savings account. Also, since the amount accumulated in the account during the accumulation period is returned to the customer's parent's account on the expiration date and the new accumulation period is resumed, the customer continues to earn a small sum and returns the accumulated amount during the accumulation period Therefore, a steady small saving habit of the customer can be promoted. The bank may automatically return the accumulated amount of the small savings account to the customer's home account on the expiration date, and obtain the opportunity to introduce the customer to other financial products.

1 shows a block diagram of a bank server according to an embodiment.
2 shows a block diagram of a terminal according to one embodiment.
FIG. 3 shows the deposit details during the accumulation period of a small savings account according to an embodiment.
FIG. 4 illustrates the accumulation of a small savings account in accordance with one embodiment during a recurring accumulation period.
5 illustrates a main screen of an interface screen of an application for a small savings account according to an embodiment.
6 illustrates a bank according to another embodiment of a web site or application for a small savings account in accordance with one embodiment.
7 illustrates a bank according to another embodiment of a website or application for a small savings account in accordance with one embodiment.
Figure 8 illustrates a calendar displayed on an interface screen of a website or application for a small savings account in accordance with one embodiment.
9 illustrates an interface screen of a website for a small savings account in accordance with one embodiment.
10 is a flowchart illustrating a method of providing deposit and withdrawal services of a bank server according to an embodiment of the present invention.
11 is a flowchart illustrating a method of processing a bank deposit / withdrawal service of a terminal according to an exemplary embodiment of the present invention.

A method of providing a small amount savings product and a structure of a bank server 100 according to an embodiment of the present invention will now be described with reference to FIGS. A method of processing a small-amount savings product of the terminal and a structure of the terminal are described in detail.

1 shows a block diagram of a bank server 100 according to one embodiment.

The bank server 100 for providing a small-amount savings product according to an embodiment includes a transaction sending unit 110, a micro-transaction processing unit 120, an expiration date processing unit 130, and a customer database 140.

The bank server 100 according to one embodiment includes a central processor (not shown) that collectively controls the transaction transmitter 110, the micro-transaction processor 120, the expiration date processor 130, and the customer database 140 . Alternatively, the transaction transmitting unit 110, the micro-transaction processing unit 120, the expiration processing unit 130 and the customer database 140 are operated by respective ones of the processors (not shown), and the processors (not shown) The bank server 100 may be operated as a whole. The transaction sending unit 110, the micro-transaction processing unit 120, the expiration date processing unit 130, and the customer database 140 are controlled by the external processor (not shown) of the bank server 100 according to an embodiment .

The bank server 100 according to an embodiment includes a transaction storage unit 110 for storing input and output data generated during a transaction of money of a micro account with a transaction transmitter 110, a micro-transaction processor 120, and an expiration date processor 130, (Not shown). The bank server 100 may include a memory control unit (not shown) for controlling data input / output of a data storage unit (not shown).

The bank server 100 according to an exemplary embodiment of the present invention can communicate with the customer terminal 200 via the network 150. [ The network 150 according to an exemplary embodiment may include a communication network such as an open Internet, a wired Internet network including a closed intranet, a wireless Internet communication network interworking with a mobile communication network, and a computer network capable of various data communication It is a broad concept.

The bank server 100 according to an embodiment receives a request for opening a small-amount savings product capable of saving an amount of a predetermined amount or less from the customer's terminal 200. [ The bank server 100 may allow the opening of a small savings account to a customer who already has a savings account that is already available for the bank account 100. [ The bank server 100 can confirm that the customer has already opened the savings account and open a small savings account to the customer who has been confirmed whether or not the savings account has already been established.

The bank server 100 may connect the previously opened savings account as a basis account of the newly opened small savings account. Hereinafter, a connection account of the customer's small amount savings account or a savings account that becomes the basis account is referred to as a 'parent account'. The bank server 100 can accumulate the small amount of money in the deposit amount to the small amount savings account in the customer's parent account.

The customer database 140 includes the customer's personal information, the parent account information, and the small savings account information. For example, the customer database 140 may store personal information including personal information of a customer, authorized certificate information for user authentication, authorized certificate password, security medium information, and the like. The customer database 140 may also include parent account information including account numbers and transaction passwords of parent accounts associated with the small savings account.

The customer database 140 may also include small account savings account information including an account number of a small savings account, a transaction password, a minimum deposit period, an accumulation period, and an expiration date. For example, the minimum deposit period that can be deposited into the small savings account can be set to a predetermined number of days such as 1 day, 2 days, 5 days, 7 days, and so on. At least one deposit request may occur per minimum deposit cycle. For example, the accumulation period of the small savings account can be set to a predetermined number of months, such as one month, two months, three months, six months, and the like.

The expiration date of the small savings account according to one embodiment is the date when the accumulation period expires and may be set to a specific date during the accumulation period. For example, the expiration date of a small savings account can be set to 5 days, 15 days, 25 days, 2 months, 10 months, 20 days, 30 days, and so on during one month's accumulation period. When the expiration date of the accumulation period of the small amount savings account according to one embodiment has elapsed, the accumulation period can be repeatedly resumed from the next day.

The bank server 100 according to the embodiment can automatically transfer the deposit from the terminal 200 for a minimum deposit period of a predetermined number of days in which a deposit request is generated at least once, a accumulation period of a predetermined number of times, And a setting request for arbitrarily setting an expiration date or the like. The bank server 100 may set at least one of a minimum deposit period, an accumulation period, and an expiration period based on a setting request of the terminal 200. [ The set minimum deposit period, the accumulated period, the expiration date, and the like are stored in the customer database 140, and the small savings account information can be updated.

The transaction sending unit 110 according to an embodiment receives the transaction request related to the small amount savings account from the customer's terminal 200 and transmits the processing result of the bank server 100 for the transaction request to the customer's terminal 200 send.

The transaction sending unit 110 may receive a deposit request for saving an amount of a predetermined amount or less from the customer's terminal 200 to the customer's small amount savings account for each predetermined number of days.

Upon receipt of the deposit request through the transaction sending unit 110, the small-amount savings processing unit 120 according to the embodiment withdraws the requested amount of money from the mother's account of the customer and accumulates the withdrawal amount in the small savings account of the customer. During the accumulation period designated in units of a predetermined number of months, the small amount savings processing unit 120 can transfer the requested small amount of money from the parent account to the small savings account each time it receives a small amount of savings request from the customer.

The expiration date processing unit 130 according to the embodiment can automatically withdraw the entire savings accumulated during the accumulation period in the small savings account and transfer the money to the mother account when the expiration date of the accumulation period arrives. The expiration date processing unit 130 can resume the accumulation period when the expiration date has elapsed.

Also, the transaction sending unit 110 transmits information on the amount of money saved in the small savings account and the current balance of the small savings account to the terminal 200 every day for the processing result of the money transaction for the small savings account, Lt; / RTI >

The transaction transmitting and receiving unit 110 according to the embodiment receives the public key certificate from the terminal 200 that is going to access the Internet banking and if the public key certificate stored in the customer database 140 matches the received public key certificate password User authentication can be completed.

The transaction transmitting and receiving unit 110 according to an exemplary embodiment of the present invention transmits a transaction password for transferring money to the parent account and the small savings account from the terminal 100 and a money information for the requested amount of money from the terminal 100 for requesting the deposit to the small- . The transaction password for funds transfer to the parent account and the small savings account may be the transaction password for the parent account. In addition, the transaction password for transferring funds to the parent account and the small savings account may be a transaction password for a small savings set separately for small savings on a small savings account.

The bank server 100 according to one embodiment may provide a web site for a small savings account or an application that can be installed on the terminal 200 so that the customer can easily access the Internet banking for small savings. Therefore, the transaction transceiver 110 can receive a small deposit request of the terminal 200 through at least one of the website for the small savings account and the application installed in the terminal 200. [

The web site and application for a small savings account in accordance with one embodiment may show the results processed by the bank server 100 in response to a transaction request requested from the terminal 200 for a small savings account.

For example, a website and an application for a small savings account may show a piggy bank for illustrating the accumulation status of a small savings account. The accumulation status of the small savings account may include the current accumulation amount or the current accumulation ratio against the maximum accumulation amount. Websites and applications can visualize the accumulation status of small savings accounts using visual effects displayed in a bank. For example, the accumulation status of a small amount savings account can be displayed using at least one of the conversion of the entire color of the piggy bank, the change of some colors, and the change in the amount of coins to be viewed inside the piggy bank.

For example, websites and applications for small savings accounts may display a savings button along with a bank to deposit a minimum amount into a small savings account. The transaction transmitting and receiving unit 100 can receive from the terminal 200 the amount information for the low amount determined in proportion to the number of times of input to at least one of the saving button and the bank.

For example, a website and an application for a small savings account may display a plurality of amount buttons, each representing a different type of unit amount, together with a bank. The transaction sending and receiving unit 100 may receive amount information on a low amount determined based on the number of times of inputting one or more amount buttons selected from a plurality of amount buttons and a selected amount of money button.

For example, a website and an application for a small savings account may show a calendar indicating a current earning period from a previous expiration date to a current expiration date based on a customer's calendar display selection. The web site and the application can display on the calendar the deposit date and the date of the deposit date on which the deposit request was received and processed.

The bank server 100 according to one embodiment can provide not only a small amount savings transaction for a small amount savings account but also a frequent deposit and withdrawal transaction. For example, the bank server 100 may receive, from the terminal 200, a time deposit from an arbitrary account for a small savings account or a frequent withdrawal request from an arbitrary account. However, when a request for a regular deposit or a withdrawal is received from the terminal 200, the bank server 100 stores the transaction password for the money transaction for the small savings account and the information about the amount requested for the regular deposit or the frequent withdrawal In addition, the terminal 200 can further receive the public certificate password and the secure medium information.

The bank server 100 uses the customer's authorized certificate information, the security card identification information, and the security code table of the customer's personal information recorded in the customer database 140 to process the time deposit or the withdrawal to the small savings account . Unlike the case where a small amount savings request from the terminal 200 is received from the small-amount savings account, the bank server 100 requests the frequent deposit / withdrawal request from the terminal 200 in order to process the on- It is possible to perform an operation of determining whether the security code selectively input from the public key certificate password and the security codes received together with the personal information of the customer stored in the customer database 140 is received.

2 shows a block diagram of a terminal 200 according to one embodiment.

The terminal 200 according to one embodiment includes a deposit request transmitting unit 210, a processing result receiving unit 220, and a screen processing unit 230.

The terminal 200 according to an exemplary embodiment may include a central processor (not shown) for collectively controlling the deposit request transmitting unit 210, the processing result receiving unit 220, and the screen processing unit 230. Alternatively, the deposit request transmitting unit 210, the processing result receiving unit 220 and the screen processing unit 230 are operated by respective ones of the processors (not shown), and the processors (not shown) 200 may be operated as a whole. Alternatively, the deposit request transmitting unit 210, the processing result receiving unit 220, and the screen processing unit 230 may be controlled according to the control of an external processor (not shown) of the terminal 200 according to an exemplary embodiment.

The terminal 200 according to an exemplary embodiment of the present invention is a terminal 200 for storing input and output data generated by the deposit request transmitting unit 210, the processing result receiving unit 220, and the screen processing unit 230 (Not shown). The terminal 200 may include a memory control unit (not shown) for controlling data input / output of a data storage unit (not shown).

The terminal 200 according to an exemplary embodiment may communicate with the bank server 100 via the network 150. [ The terminal 200 according to an exemplary embodiment may include a bank deposit / withdrawal service processing unit that executes an internet banking module for the bank server 100 via the network 150. [ The terminal 200 may operate a bank deposit / withdrawal service processing device to process related services for transactions on a small savings account according to the embodiment described above with reference to FIG.

The terminal 200 is a device capable of performing wired / wireless data communication by connecting to the network 150 so that the Internet banking can be performed. The terminal 200 can be used not only in a home computer possessed by a customer but also in a notebook computer, a personal digital assistant (PDA) Smart phones, smart pads, and the like.

The terminal 200 according to an embodiment may request the bank server 100 to open a small savings account connected to a previously opened savings account. Since the small-amount savings product according to one embodiment may be a financial product for a non-face-to-face channel, the terminal 200 requests the bank server 100 to open a small savings account through Internet banking, . However, the application for termination of the small savings account can be accepted to the bank server 100 through the branch office as well as the Internet banking.

The terminal 200 according to one embodiment may send a request to the bank server 100 to set at least one of a minimum deposit period, a pay period and an expiration period, in connection with a small savings account.

The deposit request transmission unit 210 according to an embodiment receives a deposit request for saving an amount of a predetermined amount or less from a customer into a small-amount savings account of a customer in a minimum deposit period of a predetermined number of days. The deposit request transmission unit 210 transmits a deposit request to the bank server 100 based on the customer's deposit request input to the terminal 200. [

The minimum deposit period according to one embodiment means a minimum period in which a period of time during which a customer can request a deposit to a small savings account is repeated. The deposit request transmission unit 210 may transmit a customer's deposit request to the bank server 200 when the deposit request of the customer is inputted at a time when the deposit request is possible according to the minimum period. However, the deposit request does not necessarily have to occur every time a request for deposit can be made according to the minimum cycle.

For example, if the minimum deposit period is one day, the deposit request transmitting unit 210 may transmit the deposit request once a day. However, the deposit request does not necessarily have to be issued every day, and on the day when the customer inputs the deposit request to the small-amount savings account to the terminal 200 to save the small savings account out of the repeated one day, The deposit request transmitting unit 210 may transmit the customer's deposit request to the bank server 200. [

The processing result receiving unit 220 according to an exemplary embodiment receives the processing result accumulated in the small amount savings account when the deposit request is generated during the accumulation period designated by the bank server 100 in units of a predetermined number of months. That is, if the bank server 100 requests the deposit of the terminal 200, the processing result receiving unit 220 extracts the requested amount of money from the parent's account and accumulates the processing result accumulated in the small savings account in the bank server 100 As shown in Fig.

When the expiration date of the accumulation period arrives, the processing result receiving unit 220 receives from the bank server 100 a result that the accumulation amount accumulated during the accumulation period from the small accumulation savings account is automatically withdrawn and transferred to the parent institution . When the expiration date has elapsed, the accumulation period is repeatedly resumed. Therefore, the deposit request transmission unit 210 can transmit a small amount savings request to the bank server 100 again during the resumed accumulation period.

The deposit request transmitting unit 210 may transmit a public certificate password for user authentication to the bank server 100 for Internet banking connection. When the user authentication is completed from the bank server 100, the transfer request transmitting unit 210 transmits a transaction password for transferring money to the parent account and the small savings account, The amount information for the requested amount can be transmitted together.

The screen processing unit 230 according to an embodiment performs graphic processing for displaying an interface screen on the display of the terminal 200. [ The screen processing unit 230 displays a screen for requesting a transaction for a small amount savings account of the deposit request transmitting unit 210 and a screen for requesting a small amount savings account of the bank account server 100 according to a processing result of the bank server 100 received by the processing result receiving unit 220 And an interface screen including a screen for showing the accumulated status and the like can be graphically processed and displayed.

The terminal 200 accesses the Internet banking through a web site provided by the bank server 100 for a small amount savings product or an application installed in the customer's terminal 200 and transmits a small amount savings request for a small savings account , And can receive the processing result of the bank server 100.

After the terminal 200 accesses the Internet banking through a website or application for a small savings account, the screen processing unit 230 can process the execution screen of the website or application for a small savings account.

For example, the screen processing unit 230 displays, on the execution screen of a web site or an application for a small savings account, the accumulation status of a small savings account in accordance with a processing result of the bank server 100 corresponding to a transaction request for a small savings account A bank can be shown. The screen processing unit 230 displays on the execution screen of the website or the application for the small savings account at least one of the color of the piggy bank, some color, and the load amount of the coin viewed inside the piggy bank to illustrate the current accumulation state of the small savings account The visual effect can be implemented so that the change is made.

For example, the screen processing unit 230 may display a saving button for depositing a minimum amount into a small savings account on the execution screen of a website or an application for a small savings account. The deposit request transmitting unit 210 may receive one or more inputs to at least one of the saving button and the bank and may determine a low amount in proportion to the number of times of input.

For example, the screen processing unit 230 may display a plurality of amount buttons indicating different types of unit amounts on the execution screen of a website or an application for a small savings account. The deposit request transmitting unit 210 may receive one or more selection inputs from a plurality of the amount buttons and may determine a low amount based on the number of times the selected one or more amount buttons and the selected amount of buttons are input.

The deposit request transmitting unit 210 may transmit the amount information on the low amount determined based on the input to the bank, the deposit button, or the amount button to the bank server 100.

For example, when a selection of a calendar display button is input from a customer, the screen processing unit 230 displays, on the execution screen of a website or an application for a small savings account, a calendar including a current accumulation period from the previous expiration date to the current expiration date . ≪ / RTI > The screen processing unit 230 may display the date of receipt / processing of the deposit request and the processing deposit amount on the calendar.

The terminal 200 according to one embodiment may request frequent deposits from arbitrary channels for a small savings account or frequent withdrawals to arbitrary channels. However, the terminal 200 must further transmit the authorization certificate password and the secure medium information together with the transaction password for the small amount savings account and the amount of transaction request amount to the bank server 100 for the time deposit or the withdrawal at any time. Unlike the case of requesting the small amount savings to the small savings account, the bank server 100 is provided with a function of selectively requesting the bank server 100 from among the security codes of the authorized certificate password and the secure medium, in order to request the frequent deposit and withdrawal from the terminal 200 to the small- The input security code can be transmitted.

FIG. 3 illustrates a deposit history 300 during the accumulation period of a small savings account according to an embodiment.

The deposit details 300 illustrated in FIG. 3 are used when the deposit period of the small deposit savings account according to one embodiment is set to one month, and the minimum deposit period is set to one day so that a small deposit request can be made on a daily basis, And shows the transaction details during the one-time accumulation period.

The bank server 100 according to the embodiment can receive a deposit request of a predetermined amount or less from the terminal 200 on a daily basis for a one month accumulation period from the previous expiration date to the current expiration date.

Since the minimum deposit period is one day, the bank server 100 can receive the deposit request from the terminal 200 on a day-by-day basis, but it is not necessarily received every day. 3 and 4, among the deposit requests 321, 323, 325, 327, 329, 331, 333, 335, 337, 339, 341 from the terminal 200, the deposit requests 321 And 323, 16 day and 17 day deposit requests 333 and 335, 27 and 28 date deposit requests 339 and 341, but other deposit requests 325 and 327 , 329, 331, 337) may be generated intermittently.

Also, when the current expiration date has elapsed, a new accumulation period proceeds from the next day. Therefore, the expiration date periodically arrives until the small savings account according to the embodiment is terminated, and the amount of money to be accumulated in each turnover accumulation period differs, so that the bank server 100 does not count The amount can be automatically transferred from the small savings account to the parent account.

FIG. 4 illustrates an accumulation transition 400 during a recurring accumulation period of a small savings account in accordance with one embodiment.

The accumulation transition 400 illustrated in FIG. 4 is repeated three times in the case where the accumulation period of the small-sum savings account according to one embodiment is one month, the minimum deposit period is one day, and the expiration date is set to 30 days per month The amount of change in the amount of money during the period.

The bank server 100 according to the embodiment can determine the maximum deposit limit that can be deposited at the time of a small deposit once. In addition, the bank server 100 can determine the maximum accumulation limit 405 that can be accumulated during the one-time accumulation period. For example, the maximum deposit limit can be set at 30,000 won, and the maximum deposit limit can be set at 300,000 won. The bank server 100 may determine at least one of the maximum deposit limit and the maximum deposit limit 405 based on the customer setting through the terminal 200. [

The bank server 100 may open a small savings account based on the small-amount savings account opening request (s410) of the terminal 200. [ The one-time accumulation period (s420) starts from the account opening date, and the amount can be accumulated in the small savings account for one day during the one-time accumulation period (s420). The bank server 100 may withdraw all of the low amount accumulated in the small amount savings account during the first-time accumulation period (s420) and transfer it to the mother account when the expiration date s430 of the first-time accumulation period (s420) arrives.

When the expiration date (s430) of the first-time accumulation period (s420) has elapsed, the second accumulation period (s440) is automatically started and the amount can be accumulated in the small-amount savings account in units of one day during the second accumulation period (s440) have. When the maturity date (s450) of the second round of accumulation period (s440) comes, all the low amounts accumulated in the small accumulation savings account during the second round accumulation period (s440) can be automatically transferred to the parent account.

Likewise, after the expiration of the expiration date s450 of the second incremental accumulation period s440, the third accumulation period s460 is started to accumulate the low accumulation amount during the third accumulation period s460 and the expiration date of the third accumulation period s460 (s470), the accumulated low amount of the small savings account can be transferred to the parent account during the three-time accumulation period.

The balance of the small-sum savings account may become zero every s430, s450, s470 (s430, s450, s470).

There may be a period 425 in which only a small amount of savings request is generated from the terminal 200 and a low amount of the small amount savings account is increased as in the first time accumulation period (s420).

However, it is also possible to make frequent withdrawals to a small savings account, so that if a withdrawal occurs from a small savings account on the basis of a customer request, there may occur periods 442, 444 and 462 where the amount of money decreases.

The bank server 100 may close the small savings account based on the customer's cancellation request after several accumulation periods and expiration days have elapsed (s480).

Referring now to Figures 5-9, various embodiments of a web site or application interface screen for a small savings account in accordance with one embodiment are disclosed.

5 illustrates a main screen 550 of an interface screen 500 for an application for a small savings account according to one embodiment.

The interface screen 500 of a website or application for a small savings account according to one embodiment includes a Today button 502 for showing today's earning status for a small savings account, A one month stamp button 504 for displaying a small amount savings account, and an account information button 506 for displaying various account information for a small savings account.

When the Today button 502 is selected, the terminal 200 can display the main screen 550. The main screen 550 of a web site or application according to one embodiment shows a piggy bank 520 shaped like a piggy bank to illustrate today's earning status for a small savings account. In particular, if there is an accumulated amount accumulated in the small savings account, a darker color may be displayed in the lower portion 525 than the upper portion 527 of the bank 520 to indicate that the bank 520 is empty. Therefore, the upper and lower boundaries between the upper portion 527 and the lower portion 525 of the bank 520 may occur.

The terminal 200 according to an embodiment receives the amount information on the accumulated amount up to the present of the small amount savings account from the bank server 100 and adjusts the height of the upper and lower boundaries of the savings bank 520 based on the accumulated amount . Accordingly, the accumulated state of the present day including the accumulated amount to date, the present accumulated ratio with respect to the maximum extent, and the like can be displayed according to the color change of the bank 520.

In addition to the bank 520, the main screen 550 of the web site or application according to one embodiment further includes a deposit button 510 for depositing a minimum deposit amount and a balance display field 530), and an expiration date display field 540 indicating an expiration date when the accumulated amount of the accumulation period is automatically transferred to the parent account.

The terminal 200 can determine a low amount based on the number of times of inputting of the saving button 510 and transmit a low deposit request to the bank server 100. [ In addition, when the user directly selects the bank 520 and the low amount can be input, the terminal 200 may determine a low amount based on the number of inputs of the bank 520.

The terminal 200 according to the embodiment can display the accumulated amount of the small amount savings account up to now, that is, the current balance, in the remaining amount display field 530 based on the accumulated amount information received from the bank server 100. [ When the terminal 200 transmits the current deposit request to the bank server 100 and receives the processing result from the bank server 100, the terminal 200 newly accumulates the updated deposit amount and displays the updated accumulated amount in the remaining amount display field 530 Can be displayed.

When the account information button 506 is selected, the terminal 200 displays various information about the small savings account such as the account number of the small savings account, the account number of the mother account, the minimum deposit period of the small savings account, the accumulation period, An account information screen can be displayed.

When the one-month stamp button 504 is selected, the terminal 200 can display the calendar screen 800 showing the accumulation details during the current accumulation period. The calendar screen will be described later with reference to Fig.

6 illustrates a bank 610, 620, 630 according to another embodiment of a website or application for a small savings account in accordance with one embodiment.

In the piggy banks 610, 620 and 630 according to another embodiment, coins stacked in the piggy banks 610, 620 and 630 are shown according to the accumulated state. If the coins are not stacked in the banks 610, 620, and 630, the surfaces of the banks 610, 620, and 630 are transparent so that the inside of the banks 610, 620, The surfaces of the piggy banks 610, 620, and 630 may be changed opaque.

The terminal 200 can realize the visual effect that the coins fall to the piggy banks 610, 620, 630 when receiving the low deposit request of the customer who selects the deposit button 510 or the piggy bank 610, 620, 630 have. The terminal 200 can also display the amount of coins stacked in the piggy banks 610, 620, and 630 differently according to the current balance displayed in the balance display fields 615, 625, and 635.

For example, the piggy banks 610, 620, and 630 represent a first earned date bank 610, a second earned date bank 620, and a third earned date bank 630, respectively. Since the balance increases from the first accumulated date balance display column 615 to the second accumulated date remaining balance display column 625 and the third accumulated date remaining balance display column 635, the first accumulated date bank 610, The accumulation amount of the coins may be increased and the coin stack layer may be displayed higher as the accumulation date bank 620 and the second accumulation date bank 630 are reached.

FIG. 7 illustrates a bank 700, 730, 750, 770, 790 according to another embodiment of a website or application for a small savings account in accordance with one embodiment.

The terminal 200 can show the accumulation state of the small liquid savings account according to the transparency change and the color change of the surface of the piggy bank 700, 730, 750, 770, 790 of the piggy bank type according to another embodiment.

For example, the piggy banks 700, 730, 750, 770, and 790 according to other embodiments may include a start date bank 700, a first earned date bank 730, a second earned date bank 750, Date deposit bank 770, and fourth deposit date bank 790. [

Since there is no current accumulated amount on the start date of the accumulation period of the small savings account, the surface of the start date bank 700 is displayed in a transparent and light color. When the accumulated amount of the small savings account is generated, the lower surface of the surface is opaque such as the first accumulation date bank 730, the second accumulation date bank 750, the third accumulation date bank 770, and the fourth accumulation date bank 790, And can be changed to dark color.

Also, since the accumulated amount increases as the first, second, third, and fourth accumulation dates elapse, the first accumulated date bank 730, the second accumulated date bank 750, the third accumulated date bank 770, 4 The height of the opaque portion of dark color can be increased at the bottom of the surface of the date deposit bank 790.

In a piggy bank shown in a web site or application for a small savings account according to an embodiment, the accumulation state of a small savings account is displayed with the height of the upper and lower boundaries or the stack height of the coins, Can be the same as described above with reference to Figs. 5-7.

As a specific example, the percentage of the current accumulated amount against the maximum amount of the small savings account can be displayed in the bank of the website or the application. The ratio of the current accumulated amount against the maximum amount of the small savings account may correspond to the ratio of the height of the upper and lower boundaries (or the height of the coin stacking) relative to the height of the piggy bank.

For example, each time the terminal 200 changes the ratio of the current accumulated amount to the maximum amount of the small-amount savings account, the ratio of the height of the upper and lower boundaries relative to the height of the bank, The elevation height (or coin stack height) can be adjusted.

As another example, the current accumulation state of a small savings account is divided into a plurality of stages in correspondence with a maximum amount, a height of a bank is divided into a plurality of hierarchies, and a height of the upper and lower boundaries of the bank (or a coin stack height) It can be adjusted by layer.

For the sake of convenience of explanation, if the maximum amount during the one-time accumulation period is 300,000 won, the current accumulation status is changed to 6 stages, that is, the first stage in which the accumulation amount is less than 50,000 won, The second stage is the third stage with the accumulated amount exceeding 100,000 won and less than 150,000 won, the fourth stage with the accumulated amount exceeding 150,000 won and less than 200,000 won, the fifth step with the accumulated amount exceeding 200,000 won and below 250,000 won, the accumulated amount exceeding 250,000 won, Or less. Similarly, the height of the upper and lower boundaries (or the height of the coin stacking) can be changed to six layers by dividing the bank of the web site and the application for the small savings account into six equal parts. Therefore, when the current accumulated amount is 160,000 KRW based on the current accumulated state information received from the bank server 100, the terminal 200 is currently in the fourth step, and therefore the height of the upper and lower boundaries of the bank (or the coin stacking height) Can also be displayed as the height of the fourth layer.

FIG. 8 illustrates a calendar screen 800 shown in an interface screen 500 of a web site or application for a small savings account in accordance with one embodiment.

When the one-month stamp button 504 of the interface screen 500 according to the embodiment is selected, the terminal 200 may display the calendar screen 800 showing the accumulation details during the current accumulation period. The calendar screen 800 according to the embodiment displays "2011.10.25 ~ 2011.11.25 ", which is a current accumulation period, and may include a calendar of the current accumulation period.

On the calendar of the calendar screen 800, the terminal 200 displays on the calendar of the calendar screen 800 the date on which a small amount of savings is requested during the accumulation period and the deposit date, i.e., October 25, 29, 30, 31, On the 5th and 12th days, a savings stamp showing that the savings has been processed can be displayed. In addition, the terminal 200 can display the expiration date on the calendar.

FIG. 9 illustrates an interface screen 900 of a website for a small savings account in accordance with one embodiment.

A terminal 200 connected to a website for a small savings account according to one embodiment may show an interface screen 900. [ The interface screen 900 of the web site according to the embodiment includes an account number display field 910 for displaying the account number of the small savings account, an expiration date display field 920 for displaying the expiration date, And the number of deposits displayed column 930 indicating the number of processed transactions.

In addition, the interface screen 900 of the website may include a calendar 940 for displaying the deposit details for the current accumulation period on a daily basis. When the cursor is placed on the deposit date displayed or the deposit date field is selected, the deposit amount 945 is displayed.

Also, the interface screen 900 of the website may include a bank 950 for illustrating the current accumulation state of the small savings account and a accumulation amount display field 960 for displaying the current accumulation amount of the small savings account. Based on the input of the color change button 955, the color of the bank 950 can be changed.

In addition, the interface screen 900 of the website may include a low amount input field 970 for inputting a low amount to be deposited in the small amount savings account. The low amount input field 970 may include a plurality of amount buttons 972, 973, and 974 for inputting various kinds of unit amounts. The terminal 200 determines the amount of money currently input based on the number of times the buttons and buttons selected from the amount buttons 972, 973, and 974 in the low amount input field 970 are inputted, 971). ≪ / RTI >

The low-value input field 970 may include a delete button 975 for deleting the present input amount before requesting the deposit, and a deposit request button 976 for requesting the deposit of the currently input amount. When the deposit request button 976 is selected, the terminal 200 can transmit a small amount savings request of the amount of money currently inputted to the bank server 100.

The bank server 100 can fetch a low amount from the parent account, deposit it into the small savings account, and transmit the processing result to the terminal 200 according to the received small amount savings request.

The terminal 200 adjusts the number of deposits in the deposit number display field 930 upward on the basis of the current processing result received from the bank server 100 and adds the deposit display to the current date on the calendar 940, The interface screen 900 can be updated to change the color of the current screen 950 and display the increased current amount of money in the accumulated amount display field 960. [

FIG. 10 shows a flowchart of a deposit and withdrawal service providing method of the bank server 100 according to an embodiment.

In step 1010, the bank server 100 receives a deposit request from the customer's terminal 200 to deposit an amount equal to or less than a predetermined amount to the customer's small-sum savings account in the daily deposit cycle. The bank server 100 may receive a small deposit request of the terminal 200 via at least one of the web site provided by the bank server and the application of the terminal 200 for small savings on a small savings account.

The bank server 100 can receive a small amount savings request for the small amount savings account through the Internet banking from the terminal 200 of the customer whose user authentication for the Internet banking is completed based on the authorized certificate password. The bank server 100 may receive, from the terminal 200, a transaction password for fund transfer to the parent account and a small savings account, and amount information for the requested low amount of money, for a small amount savings request.

In step 1020, when the bank server 100 receives the deposit request for a predetermined accumulation period in units of a predetermined number of months, the bank server 100 withdraws the deposit requested from the mother's account of the customer and accumulates the withdrawal amount in the small savings account of the customer.

In step 1030, when the expiration date of the accumulation period of the small savings account arrives, the bank server 100 automatically withdraws the savings accumulated during the accumulation period from the small savings account and deposits the money into the mother account.

The bank server 100 receives from the terminal 200 a request for setting at least one of a minimum depositing period for a predetermined number of days, a charging period for a predetermined number of units, and an expiration date for a small savings account, At least one of the minimum deposit period, the accumulation period and the expiration date of the small savings account can be determined.

11 is a flowchart illustrating a method of processing a bank deposit / withdrawal service of the terminal 200 according to an exemplary embodiment of the present invention.

In step 1110, the customer's terminal 200 transmits a deposit request for saving an amount of a predetermined amount or less to the customer's small amount savings account based on the customer's small amount savings request input to the terminal 200 on a daily basis, (100).

The terminal 200 transmits an authorized certificate password for connection to the Internet banking to the bank server 100. When the user authentication is completed based on the authorized certificate password, the terminal 200 transmits a password for the account transaction You can send the amount information for the requested amount and request a small amount of savings.

In step 1120, the terminal 200 receives from the bank server 100 the processing result of the bank server 100 for a predetermined accumulation period in units of a predetermined number of months. The customer's terminal 200 transmits the result of transfer processing of the amount requested by the bank server 100 to the small amount savings account from the parent's account on the basis of the customer's deposit request from the terminal 200 during the accumulation period, (100).

In step 1130, the terminal 200 may display the accumulation status of the small savings account on the display of the terminal 200 according to the processing result of the bank server 100. [

When the expiration date of the accumulation period of the small amount savings account according to the embodiment comes, the savings amount accumulated during the accumulation period in the small savings account is automatically withdrawn by the bank server 100 and transferred to the parent account. When the expiration date elapses, Can be repeatedly restarted.

The terminal 200 may also be connected to the Internet banking through a web site provided by the bank server or an application installed in the terminal 200 in order to send a deposit request for a small amount savings to a small savings account or confirm the processing result Can be connected.

The terminal 200 may show a bank for plotting the accumulation status of a small savings account on the execution screen of a website or application for a small savings account. The terminal 200 displays on the execution screen of the website or the application to change at least one of the overall color of the bank, the color of the bank, and the amount of coins to be viewed inside the bank, thereby indicating the current accumulated state of the small- can do.

The terminal 200 may display one or more money input buttons for depositing money into a small savings account on the execution screen of a website or an application. The terminal 200 determines a low amount requested to be deposited based on the number of inputs to at least one of the money input button and the bank and the type of the selected money input button and sends a deposit request to the bank server 100 together with the low amount Lt; / RTI >

The block diagrams disclosed herein may be construed to those skilled in the art to conceptually represent circuitry for implementing the principles of the present invention. Likewise, any flow chart, flow diagram, state transitions, pseudo code, etc., may be substantially represented in a computer-readable medium to provide a variety of different ways in which a computer or processor, whether explicitly shown or not, It will be appreciated by those skilled in the art. Therefore, the above-described embodiments of the present invention can be realized in a general-purpose digital computer that can be created as a program that can be executed by a computer and operates the program using a computer-readable recording medium. The computer-readable recording medium may include a storage medium such as a magnetic storage medium (eg, a ROM, a floppy disk, a hard disk, etc.) and an optical reading medium (eg, a CD-ROM, a DVD, etc.).

The functions of the various elements shown in the figures may be provided through use of dedicated hardware as well as hardware capable of executing the software in association with the appropriate software. When provided by a processor, such functionality may be provided by a single dedicated processor, a single shared processor, or a plurality of individual processors, some of which may be shared. Also, the explicit use of the term " processor "or" control unit "should not be construed to refer exclusively to hardware capable of executing software and includes, without limitation, digital signal processor May implicitly include memory (ROM), random access memory (RAM), and non-volatile storage.

In the claims hereof, the elements depicted as means for performing a particular function encompass any way of performing a particular function, such elements being intended to encompass a combination of circuit elements that perform a particular function, Or any form of software, including firmware, microcode, etc., in combination with circuitry suitable for carrying out the software for the processor.

Reference throughout this specification to " one embodiment " of the principles of the invention and various modifications of such expression in connection with this embodiment means that a particular feature, structure, characteristic or the like is included in at least one embodiment of the principles of the invention it means. Thus, the appearances of the phrase " in one embodiment " and any other variation disclosed throughout this specification are not necessarily all referring to the same embodiment.

In this specification, the expression 'at least one of' in the case of 'at least one of A and B' means that only the selection of the first option (A) or only the selection of the second listed option (B) It is used to encompass the selection of options (A and B). As an additional example, in the case of 'at least one of A, B and C', only the selection of the first enumerated option (A) or only the selection of the second enumerated option (B) Only the selection of the first and second listed options A and B or only the selection of the second and third listed options B and C or the selection of all three options A, B, and C). Even if more items are listed, they can be clearly extended to those skilled in the art.

So far I looked at the center of the preferred embodiment for the present invention.

All embodiments and conditional examples disclosed throughout the specification are intended to help one of ordinary skill in the art to understand the principles and concepts of the present invention. It will be understood that modifications may be made without departing from the essential features of the invention. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.

Claims (16)

A method of providing a bank account for a deposit and withdrawal service,
Receiving a deposit request for saving an amount less than a predetermined amount from the terminal of the customer to the small savings account of the customer on a daily basis;
Withdrawing the requested deposit amount from the customer's mother account upon receipt of the deposit request and accumulating it in the small savings account of the customer during a specified period of accumulation in a predetermined number of months; And
When the expiration date of the accumulation period arrives, the method of providing a deposit and withdrawal service of a bank server, characterized in that withdraws the entire savings accumulated during the accumulation period to the small savings account automatically transfers to the mother account. The method according to claim 1,
Receiving a public certificate password for internet banking access from the terminal to complete user authentication; And
Receiving a deposit and withdrawal service of a bank server, characterized in that for receiving the deposit request from the terminal, the transaction password for the transfer of funds to the mother account and the small savings account and the amount information on the requested deposit amount; How to Provide. The method according to claim 1,
Receiving and depositing services of a bank server, comprising: receiving the deposit request through at least one of a website and an application installed on the terminal provided by the bank server for small savings on the small savings account; How to Provide. The method of claim 3, wherein
Wherein the web site and the application show a savings bank for illustrating the accumulation status of the micro savings account so as to correspond to a processing result of the bank server in response to a transaction request for the micro savings account. How to provide deposit and withdrawal services. The method of claim 4, wherein
The website and the application are shown to change at least one of the total color of the piggy bank, a part of the color of the piggy bank and the amount of coins projected into the piggy bank, characterized in that the schematic of the accumulated state of the small savings account. Method of providing a deposit and withdrawal service of a bank server. The method of claim 4, wherein the deposit request receiving step,
A minimum amount button for depositing a minimum amount into the small savings account, a plurality of unit value buttons each indicating a different type of unit amount, and an input frequency for at least one of the money box shown in the website and the application; Method of providing a deposit and withdrawal service of a bank server, characterized in that it comprises the step of receiving information on the amount of money determined based on the. The method of claim 1, wherein the bank server provides a deposit and withdrawal service.
Determining at least one of a minimum deposit period in which the deposit request occurs at least once, an accumulation period of the predetermined number of months, and the expiration date when the accumulation period expires, based on a setting request received from the terminal; Method of providing a deposit and withdrawal service of a bank server, comprising: a. A method for a customer's terminal to process a bank deposit / withdrawal service,
Transmitting the deposit request to a bank server based on a deposit request of the customer inputted to the terminal to save an amount less than a predetermined amount in the small savings account of the customer on a daily basis;
Receiving, from the bank server, the processing result of the deposit requested by the bank server by the bank server from the bank server, deposited in the small savings account of the customer, and received as a result of the accumulation; And
And displaying the accumulation status of the small amount savings account according to a processing result of the bank server,
The small savings account, when the expiration date of the specified accumulation period in a predetermined number of months arrives, the savings accumulated during the accumulation period in the small savings account is automatically withdrawn by the bank server and transferred to the mother account, the expiration date is The bank deposit and withdrawal service processing method through the terminal, characterized in that the crediting period is resumed if elapsed. The method of claim 8, wherein the deposit request transmission step,
Transmitting, to the bank server, a public certificate password for user authentication for internet banking access; And
When the user authentication is completed, the bank server, characterized in that for transmitting the payment request, the transaction password for the mother account and the small savings account and the amount of information on the deposit request amount comprising the terminal; To handle bank deposit and withdrawal services. The method as claimed in claim 8,
Accessing internet banking through a website provided by the bank server or an application installed on the customer's terminal to transmit the deposit request or to confirm the processing result for the small savings of the small savings account; Bank deposit and withdrawal service processing method of a terminal further comprising. The method of claim 10, wherein the earning state step,
On the execution screen of the website or the application, the step of showing a piggy bank, for plotting the accumulated state of the small savings account corresponding to the processing result of the bank server in response to the transaction request for the small savings account Bank deposit and withdrawal service processing method characterized in that the terminal. The method of claim 11, wherein the earning state step,
On the execution screen of the website or the application, at least one of the total color of the piggy bank, a part of the color of the piggy bank and the amount of coins to be projected inside the piggy bank is changed to plot the current accumulated state of the small savings account Bank deposit and withdrawal service processing method of a terminal further comprising a. The method of claim 11,
The step of displaying the accumulation state may include at least one of a minimum amount button for depositing a minimum amount into the small savings account and a plurality of unit price buttons indicating different types of unit amounts on the execution screen of the website or the application. Further comprising the step of,
The transfer request step may include:
Receiving one or more inputs to at least one of the minimum price button, the unit price buttons and the money box; And
Determining a low amount based on an input frequency of at least one of the minimum amount button, the unit value buttons and the money box, and transmitting the amount information of the low amount to the bank server; How to handle bank deposit and withdrawal service of the terminal. The method as claimed in claim 8,
And transmitting a request to the bank server to set at least one of a minimum deposit period in which the deposit request occurs at least once, the accumulation period in the predetermined number of months, and the expiration date when the accumulation period expires. Bank deposit and withdrawal service processing method characterized in that the terminal. A bank server providing deposit and withdrawal service,
A customer database including parent's account information, small savings account information, and personal information;
A small savings transmission / receiving unit for receiving a deposit request for saving an amount less than a predetermined amount from the terminal of the customer to the small savings account of the customer on a daily basis, and transmitting a transaction processing result for the savings account to the terminal;
A small savings processing unit which withdraws the requested amount of money from the mother account of the customer and accumulates it in the small savings account of the customer when the deposit request is received during a designated period of a predetermined number of months; And
When the expiration date of the accumulation period arrives, the expiration date processing unit for automatically withdrawing all the savings accumulated during the accumulation period to the small savings account and transfers the transfer to the mother account and repeats the accumulation period after the expiration date has passed. Bank server, characterized in that. A terminal for using a bank deposit / withdrawal service,
A deposit request transmission unit that transmits the deposit request to a bank server based on the deposit request of the customer inputted to the terminal to save an amount less than a predetermined amount in a small savings account of the customer on a daily basis;
A processing result receiving unit for receiving from the bank server a deposit result of the deposit requested by the bank server by the bank server when the deposit request is issued and deposited in the small savings account of the customer; And
And a screen processing unit for displaying a small amount savings account transaction screen for diagramming the accumulation state of the small amount savings account according to a transaction request for the small amount savings account and a processing result of the bank server,
The small savings account, when the expiration date of the specified accumulation period in the predetermined number of months arrives, the savings accumulated during the accumulation period from the small savings account is automatically withdrawn and transferred to the mother account, and if the expiration date has passed, the accumulation period The terminal is repeated repeatedly.

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