KR20130141251A - System and method for financial services - Google Patents

Abstract

A system for providing financial service generates an integrated account connected a plurality of first accounts, a plurality of second accounts and a plurality of third accounts under the name of a pre-established representative of a family constituted with a plurality of members and an integrated expense account connected with a plurality of fourth accounts, in order to provide financial service for the family. The system provides the financial service for the plurality of members through the integrated account or the integrated expense account on the ground of the stored financial information, and generates service usage information about the provided financial service, and then provides the service usage information for a terminal of the representative. [Reference numerals] (101) Authentication unit;(102) Transaction agreement checking unit;(103) Entrust unit;(104) Family Information registering unit;(105) Family financial management unit;(106-1) Income management unit;(106-2) Loan management unit;(106-3) Savings management unit;(106-4) Expenditure management unit;(107) Consolidated account information storage unit;(108) Consolidated expenditure account management unit;(109) Report management unit;(110) Additional service management unit;(111) Information providing part;(AA) Request authentication;(BB) Authentication information;(CC) Transaction agreement or not;(DD) Document information;(EE) Family information;(FF) Income information;(GG) Withdrawal;(HH) Withdrawal information;(II) Withdrawal request;(JJ) Report, additional service information

Description

System and method for financial services

The present invention relates to a financial service providing system and method.

In order for individuals to accumulate wealth, interest in the economy is increasing, and financial companies are providing financial services to manage their income and expenses. However, financial services provided by financial companies only manage the income and expenses of individual accounts, and there is a problem that financial management of the whole family is difficult.

Accordingly, the present invention provides a financial service providing system and method capable of managing income and expenses of family members.

A system for providing a financial service which is one feature of the present invention for achieving the technical problem of the present invention,

A family information registration unit for generating family information on a family composed of at least one member and generating a consolidated account and a combined spending account for the family in a representative name of the family; A service manager for receiving the financial information about the family and managing the integrated account; A family financial management unit which receives financial information from the family information registration unit, transfers the financial information to the service management unit, provides the financial information to the service management unit, and receives input of service usage information; An integrated account information storage unit for managing and storing information about the integrated account associated with at least one first account, second account, and third account for each member of the family; And manage information about the consolidated spending account associated with at least one fourth account for each member of the family, and when requested to withdraw to the fourth account from the account information storage through the fourth account. Includes an integrated expense account management unit that pays out expenses.

The financial information may include at least one of member information of the family, first account information owned by the members, deposit / deposit information according to a second account, loan related information by a third account, and the fourth account information. It may include.

The service manager may include: an income manager configured to collect and manage incomes respectively deposited through the one or more first accounts into an integrated account associated with the first account; A loan management unit for requesting payment of the loan to the second account based on the loan related information and managing the loan; A savings management unit for requesting and managing a deposit / deposit payment to the third account to the integrated account based on the deposit / deposit information; And an expense management unit for requesting and managing the integrated account from the consolidated account to the consolidated expense account to be paid for expenses incurred by the members.

The financial service providing system may include: a report manager which receives the service usage information from the family financial management unit and generates a report on the financial service usage history of the family; An additional service manager which receives the service use information from the family financial manager and determines an additional service to be provided to the family; And an information providing unit providing information on the generated report and the determined additional service to the terminal of the family.

The financial service providing system includes an authentication unit configured to receive authentication information input from a plurality of users through a terminal and authenticate the plurality of users; A transaction agreement confirmation unit receiving transaction agreement information of the use of the family financial service for the plurality of users input through the terminal when the authentication unit completes authentication of the plurality of users; And a delegation unit configured to receive family relationship proof information for the plurality of users.

Method for providing a financial service to a family consisting of a plurality of members of the financial service providing system which is another feature of the present invention for achieving the technical problem of the present invention,

Generating a consolidated account associated with a plurality of first accounts, a plurality of second accounts, and a plurality of third accounts and a consolidated spending account associated with a plurality of fourth accounts in a predetermined representative name of the family; Providing financial services for the plurality of members through the consolidated account or the consolidated spending account based on the stored financial information; And generating service usage information for the provided financial service to the terminal of the representative.

Providing through the consolidated account or the consolidated spending account,

When the financial service is a first service, collecting, in the consolidated account, an income that is deposited into a plurality of first accounts linked to the consolidated account; And generating collection information collected by the integrated account as service usage information.

Providing through the consolidated account or the consolidated spending account, if the financial service is a second service, identifying the loan-related information including one or more of the loan repayment date, repayment cost, the second account number step; Requesting a loan to be paid to any one of a plurality of second accounts linked to the consolidated account by the repayment cost based on the loan repayment date information; And generating loan payment information requested to the second account as service usage information.

Providing through the consolidated account or the consolidated spending account may include: deposit / deposit payment date, deposit / deposit cost, information of one or more of the third account number, if the financial service is a third service; Confirming the deposit information; Requesting a deposit / deposit to be paid to any one of a plurality of third accounts linked to the consolidated account by the deposit / deposit cost based on the deposit / deposit payment date; And generating deposit / deposit payment information requested to the third account as service usage information.

If the financial service is a fourth service, checking the expenditure information including at least one of information of the fourth account number on a settlement date; Requesting a payment amount from the consolidated account to the consolidated spending account based on the settlement date; Requesting the consolidated spending account to be paid to any one of a plurality of fourth accounts that associate the payment amount paid from the consolidated account with the consolidated spending account; And generating expenditure information paid to the fourth account as service usage information.

The providing of the representative to the terminal may include selecting an additional service to be provided to a family based on the service usage information; And providing information on the selected additional service to the terminal.

Prior to creating the consolidated spending account, authenticating the plurality of members; And generating family information by registering the plurality of members as a family based on financial transaction authority delegation information and family relationship information input from the authenticated member.

According to the present invention, it is possible to easily manage the financial transaction of all the family members with the account of one representative managing the family property, and to provide the financial service by providing the financial asset of the family unit. .

In addition, it is possible to release a new financial product of the family unit, it is possible to provide a variety of additional services accordingly.

1 is an exemplary view showing an environment for providing a financial service according to an embodiment of the present invention.
2 is a structural diagram of a financial service providing system according to an exemplary embodiment of the present invention.
3 is a flowchart illustrating a financial service providing method according to an exemplary embodiment of the present invention.
4 is an exemplary view showing a financial service providing method according to an embodiment of the present invention.

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

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, except to exclude other components unless otherwise stated.

In this specification, a terminal includes a mobile station (MS), a mobile terminal (MT), a subscriber station (SS), a portable subscriber station (PSS) An access terminal (AT), and the like, and may include all or some of functions of a mobile terminal, a subscriber station, a mobile subscriber station, a user equipment, and the like.

Hereinafter, a service providing system and a method for providing a financial service in a family unit according to an embodiment of the present invention will be described with reference to the drawings.

1 is an exemplary view showing an environment for providing a financial service according to an embodiment of the present invention.

As shown in FIG. 1, the terminal 200 and the financial service providing system 100 interoperate with each other to provide a family-level financial service. The user authenticates himself / herself using the terminal 200 and delegates financial transaction authority to a specific person in the family. The financial service providing system 100 manages information registered as a family, and provides a financial service so that one representative of the family manages all financial transactions of the family and receives information about the family. Although not shown in the figure, a dedicated call center may be operated for users who use family-level financial services.

The structure of the financial service providing system 100 in such an environment will be described with reference to FIG. 2.

2 is a structural diagram of a financial service providing system according to an exemplary embodiment of the present invention.

As shown in FIG. 2, the financial service providing system 100 includes an authentication unit 101, a transaction agreement confirmation unit 102, a delegation unit 103, a family information registration unit 104, a family financial management unit 105, The service manager 106, the integrated account information storage 107, the integrated expense account manager 108, the report manager 109, the additional service manager 110, and the information provider 111 are included.

When the authentication unit 101 is requested to provide a family financial service from a plurality of users through the user's terminal 200, the authentication unit 101 requests authentication. And it receives the authentication information input by the user, and confirms that the user will receive a family financial service.

When the transaction consent confirming unit 102 completes the authentication of the user in the authenticator 101, the transaction consent confirming unit 102 receives transaction agreement information indicating that the user agrees to the transaction according to the provision of the family financial service input through the user's terminal 200. . Herein, the transaction consent information includes delegation information indicating that the financial transaction authority is delegated.

When the delegation unit 103 confirms that the delegation information has been received by the transaction agreement confirmation unit 102, the delegation unit 103 receives the family relationship proof information submitted or input by the user.

When the delegation unit 103 receives the family relationship proof information, the family information registration unit 104 generates or updates family information including the corresponding user and registers it. Family information also includes financial information such as family members, account information held by members, deposit / deposit dates, loan related information, and the like. The family information registration unit 104 receives the delegation information from the delegation unit 103 and simultaneously generates an integrated account and an integrated expense account in the name of the representative of the family. In this case, the consolidated account is linked to the income accounts, salary accounts, savings accounts, savings accounts and loan-related accounts of the family, and withdrawal accounts for which the expenses are withdrawn due to expenses such as check cards, credit cards or direct debits. To work with

The family finance manager 105 receives and manages family information including financial information from the family information register 104. In addition, the service management unit 106, the additional service management unit 110, and report management unit 109 to manage the situation of the income or expenditure of the family. To this end, the service management unit 106 receives service usage information such as income history, deposit / deposit expenditure details, loan expenditure details, withdrawal expenditure details, and transfers them to the additional service manager 110 and the report manager 109 to provide additional services. Or provide a report.

The integrated account information storage unit 107 collects and manages the income of the plurality of income accounts (also referred to as a first account) for each family member into a single unified account. In addition, according to the management of the service management unit 106 to be described later, according to the deposit / deposit or withdrawal or withdrawal, the deposit from the consolidated account to the loan-related account (also referred to as the second account) or the deposit / deposit account (also referred to as the third account) Manage deposits and loans. In addition, in conjunction with the integrated spending account management unit 108 to control the expenses to be spent in a plurality of withdrawal accounts.

In addition, the integrated account information storage unit 107 transmits information such as income history, savings / deposit expenditure details, loan expenditure details, withdrawal expenditure details, etc. of the integrated account to the family finance management unit 105. To this end, a single consolidated account is linked to a plurality of income accounts, savings / deposit accounts and loan-related accounts, and the integrated account is created as an example when the user agrees to the financial transaction and completes the delegation for the financial transaction. do.

The integrated expense account manager 108 manages an integrated expense account (also referred to as a fourth account) associated with a plurality of withdrawal accounts for each family member. Withdrawals are the management of family expenses from check cards, credit cards, direct debits, etc. all in one consolidated spending account. In addition, the integrated spending account management unit 108 is linked with the integrated account information storage unit 107, so that the total expenditures from the integrated account to be withdrawn to each withdrawal account. In the embodiment of the present invention will be described as an example of managing only the portion to be spent separately through the integrated spending account, it may be managed at a time in the integrated account.

The service manager 106 receives the financial information from the family finance manager 105 to manage the integrated account. To this end, the service management unit 106 will be described with an example including an income management unit 106-1, a loan management unit 106-2, a savings management unit 106-3, and an expense management unit 106-4. It is not limited together.

The income management unit 106-1 collects and manages the income deposited through a plurality of income accounts in the name of the family into an integrated account.

Loan management unit 106-2 receives the loan-related information from the financial information and delivers it to the unified account information storage unit 107, loans to one or more loan accounts linked to the unified account according to the loan-related information Request to be withdrawn.

The savings management unit 106-3 receives the deposit / deposit information of the financial information and transmits it to the integrated account information storage unit 107, and at least one deposit / deposit linked to the integrated account according to the deposit / deposit information. Request the deposit / deposit be withdrawn into the account.

The expense management unit 106-4 requests the integrated account information storage unit 107 to spend expenses according to the expense history generated by the users. According to the request of the expense management unit 106-4, the integrated account information storage unit 107 stores funds from a plurality of withdrawal accounts associated with the integrated spending account to one or more saving / deposit accounts linked to the integrated account according to the deposit / deposit information. Request a deposit to be withdrawn.

The report management unit 109 receives information such as income history, savings / deposit spending history, loan expenditure history, withdrawal expenditure history, etc. from the family finance management unit 105, and prepares a report to be sent to the representative of the family based on the received information. do. According to an embodiment of the present invention, the report is described as an example that includes reports such as card usage report, savings amount report, automatic transfer report, loan management report, but is not necessarily limited to this.

The additional service management unit 110 receives information such as income history, savings / deposit spending details, loan expenditure details, withdrawal expenditure details, etc. from the family finance management unit 105, and based on the received information, an additional service preset by the financial company. to provide. In the exemplary embodiment of the present invention, a service such as providing a preferential interest rate as an additional service, reducing loan interest, or paying a coupon book will be described as an example, but is not necessarily limited thereto.

The information providing unit 111 provides a user with information on a report created by the report managing unit 109 or an additional service to be provided by the additional service managing unit 110.

A method of providing financial services to users registered as a family through the financial service providing system 100 described above will be described with reference to FIGS. 3 and 4. In the embodiment of the present invention, it is assumed that three members are included in a family.

3 is a flowchart illustrating a financial service providing method according to an exemplary embodiment of the present invention, and FIG. 4 is an exemplary view illustrating a financial service providing method according to an exemplary embodiment of the present invention.

As shown in FIG. 3, the family information registration unit 104 generates and registers family information for members whose authentication is completed, whether or not to accept a transaction, and who has completed delegation through document information for using the family comprehensive management service. (S100). In the process of creating and registering family information, the family members perform a joining procedure, an authentication procedure, a transaction consent procedure, and a delegation procedure for using the family comprehensive management service through the terminal 200, respectively. Detailed descriptions of these procedures will be omitted.

The family information registration unit 104 registers family information including financial information and generates an integrated account and an integrated expense account (S110). Here, the consolidated account is an account to which income accounts, salary accounts, savings / deposit accounts, loan accounts, etc. of each family member are linked, and accounts that can be income or assets can be managed. This is the account to be linked to the account related to expenses such as card and direct debit.

That is, as shown in FIG. 4, "family 1 salary account", "family 2 salary account", "family 3 income account", "storing account", "deposit account", "first loan account" and "second loan" Account "is associated with the integrated account. And "Family 1 Withdrawal Account," an account that handles expenses incurred by the use of a check card, "Family 2 Withdrawal account," an account for expenses incurred due to the use of a credit card, and an account for expenses incurred by direct debit. Each "family 3 withdrawal account" is associated with each consolidated spending account. Information about the consolidated account, the consolidated spending account, and the accounts linked thereto is also registered in the family information register 104 and transferred to the family finance manager 105.

In the embodiment of the present invention will be described as an example that financial services are divided into four types of services, the service for managing the income of each of the family members integrally, if there is at least one deposit / deposit account, each in the consolidated account For example, a service for withdrawing money from a savings / deposit account to a bank account, a service for withdrawing money from a consolidated account to a loan account if one or more loan accounts exist, and a service that allows a consolidated expense account to be spent on a family member's total expenditure. Explain. However, other financial services not mentioned in the embodiment of the present invention may be provided through the financial service providing system 100.

First, a description will be made when the income is generated, as shown in Figure 4, when the salary or other income is deposited into the family 1 salary account, the family 2 salary account and the family 3 income account (S120), each salary to the consolidated account Or collect other imports (hereinafter referred to as 'collect') to manage (S121). Since the family salary or other income does not occur on the same date, the integrated account information storage unit 107 generates collection information and delivers the collection information to the family financial management unit 105 at the time when the integrated account is collected (S122).

On the other hand, the savings management unit 106-3 receives the family information from the family financial management unit 105 (S130), the information related to the deposit / deposit among the received family information, that is, the deposit / deposit payment date, deposit / deposit cost, linkage Check whether the information, such as the account number is included, and checks the deposit / deposit information (S131). In addition, the savings management unit 106-3 requests payment to the integrated account information storage unit 107 so that the savings / deposits are paid from the integrated account based on the confirmed deposit / deposit information (S132).

Then, as shown in FIG. 4, the deposit / deposit cost is paid to the savings account and the savings account linked to the integrated account. When the payment is completed, the savings management unit 106-3 generates the savings / deposit payment information and delivers it to the family financial management unit 105 (S133). Since deposits / deposits are also deposited or deposited on different dates depending on the account, the integrated account information storage unit 107 stores the deposit / deposit information at the time when the deposit / deposit cost is paid from the consolidated account to the deposit account and the deposit account. Create

Similar to deposit / deposit financial services, loan repayment can be provided. That is, the loan management unit 106-2 receives the family information from the family finance management unit 105 (S140), and the loan information related to the loan repayment among the received family information, that is, the loan repayment date, repayment cost, and associated loan account number Confirm the information, such as (S141). Then, the loan management unit 106-2 requests payment to the integrated account information storage unit 107 so that the loan is paid from the integrated account based on the checked loan information (S142).

Then, as shown in FIG. 4, the loan payment fee is paid to the first loan account or the second loan account linked to the consolidated account. When the payment is completed, the loan management unit 106-2 generates the loan payment information and transmits it to the family finance management unit 105 (S143). Since the repayment of the loan is also made on different dates according to the account, the integrated account information storage unit 107 generates the loan information at the time when the loan cost is paid from the consolidated account to the loan account.

On the other hand, when explaining the expenditure service, the expense management unit 106-4 receives the family information from the family finance management unit 105 (S150), based on the expenditure information including the settlement date, withdrawal account, etc. among the received family information Check the payment settlement date (S151). In addition, the integrated account information storage unit 107 provides information on the amount of money to be spent on the integrated expense account management unit 108 to be paid to the integrated expense account from the consolidated account on the payment settlement date (S152).

Then, the integrated expense account management unit 108 pays the expenditure amount for the expenses to the "family 1 withdrawal account" or "family 3 withdrawal account" linked to the integrated expense account through the integrated expense account as shown in FIG. 4 ( S153). When the payment is completed, the expense management unit 106-4 generates expense information and transmits the expense information to the family financial management unit 105 (S154). Since the expiration date of the family members may be withdrawn according to the consumption of the family members, the integrated account information storage unit 107 generates the expenditure information at the time when the expense is paid from the consolidated spending account to the withdrawal account.

When each piece of information is generated in the integrated account information storage unit 107 through steps S122, S133, S143, and S154, the family finance manager 105 reports the generated information into the report manager 109 and the additional service manager. Delivered to the (110) to generate a report or provide additional services to provide to the family (S160). Since each piece of information is not generated at the same time on a certain date, the family finance manager 105 reports the information on a preset date (eg, the last Friday of every month) and the report manager 109 and the supplementary service manager 110. It will be described as an example of delivering only once, but is not necessarily limited to this. The detailed description of how the report is generated and how to determine the additional services to be provided to the family will be omitted.

In addition, the report or the determined additional service generated through the step S160 is provided to the user through the terminal 200 (S170). Through this, the user may not only receive financial transaction details for his / her family at a time, but also may receive various additional services provided by a financial company according to the use of family comprehensive financial services.

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

Claims (13)

In the system for providing financial services,
A family information registration unit for generating family information on a family composed of at least one member and generating a consolidated account and a combined spending account for the family in a representative name of the family;
A service manager for receiving the financial information about the family and managing the integrated account;
A family financial management unit which receives financial information from the family information registration unit, transfers the financial information to the service management unit, provides the financial information to the service management unit, and receives input of service usage information;
An integrated account information storage unit for managing and storing information about the integrated account associated with at least one first account, second account, and third account for each member of the family; And
Manage information about the consolidated spending account associated with at least one fourth account for each member of the family, and if the withdrawal to the fourth account is requested from the account information storage unit through the spending to the fourth account Integrated spending account management department to pay expenses
Financial service providing system comprising a. The method of claim 1,
The financial information may include one or more of member information of the family, one or more first account information owned by the members, deposit / deposit information according to a second account, loan related information by a third account, and the fourth account information. Financial service delivery system that contains information. 3. The method of claim 2,
The service management unit,
An income management unit for collecting and managing incomes deposited through the one or more first accounts into an integrated account associated with the first account;
A loan management unit for requesting payment of the loan to the second account based on the loan related information and managing the loan;
A savings management unit for requesting and managing a deposit / deposit payment to the third account to the integrated account based on the deposit / deposit information; And
Expense management unit for requesting and managing the consolidated account from the consolidated account to the consolidated expense account, so as to be paid for expenses incurred by the members
Financial service providing system comprising a. The method of claim 1,
A report manager which receives the service usage information from the family financial management unit and generates a report on the financial service usage history for the family;
An additional service manager which receives the service use information from the family financial manager and determines an additional service to be provided to the family; And
Information providing unit for providing the generated report and the information on the determined additional service to the terminal of the family
Financial service providing system comprising a. 5. The method of claim 4,
An authentication unit configured to receive authentication information input from a plurality of users through a terminal and authenticate the plurality of users;
A transaction agreement confirmation unit receiving transaction agreement information of the use of the family financial service for the plurality of users input through the terminal when the authentication unit completes authentication of the plurality of users; And
Delegation unit for receiving the family relationship proof information for the plurality of users
The financial service providing system further comprising: In the financial service providing system for providing financial services to a family consisting of a plurality of members,
Generating a consolidated account associated with a plurality of first accounts, a plurality of second accounts, and a plurality of third accounts and a consolidated spending account associated with a plurality of fourth accounts in a predetermined representative name of the family;
Providing financial services for the plurality of members through the consolidated account or the consolidated spending account based on the stored financial information; And
Providing service usage information for the provided financial service to the terminal of the representative
Financial service providing method comprising a. The method according to claim 6,
The financial information includes member information of the family, first account information owned by the members, saving / deposit information according to a second account, loan related information by a third account, and fourth account information according to the expenditure information. A method of providing a financial service that includes one or more pieces of information. The method of claim 7, wherein
Providing through the consolidated account or the consolidated spending account,
If the financial service is a first service,
Collecting income deposited in a plurality of first accounts associated with the consolidated account to the consolidated account; And
Generating collection information collected by the integrated account as service usage information;
Financial service providing method comprising a. The method of claim 7, wherein
Providing through the consolidated account or the consolidated spending account,
If the financial service is a second service,
Identifying the loan related information including one or more of a loan repayment date, a repayment cost, and the second account number;
Requesting a loan to be paid to any one of a plurality of second accounts linked to the consolidated account by the repayment cost based on the loan repayment date information; And
Generating loan payment information requested to the second account as service usage information;
Financial service providing method comprising a. The method of claim 7, wherein
Providing through the consolidated account or the consolidated spending account,
If the financial service is a third service,
Identifying the deposit / deposit information including one or more of a deposit / deposit payment date, a deposit / deposit cost, and the third account number;
Requesting a deposit / deposit to be paid to any one of a plurality of third accounts linked to the consolidated account by the deposit / deposit cost based on the deposit / deposit payment date; And
Generating deposit / deposit payment information requested to the third account as service usage information;
Financial service providing method comprising a. The method of claim 7, wherein
If the financial service is a fourth service,
Confirming the expenditure information including at least one information of the fourth account number on a settlement date;
Requesting a payment amount from the consolidated account to the consolidated spending account based on the settlement date;
Requesting the consolidated spending account to be paid to any one of a plurality of fourth accounts that associate the payment amount paid from the consolidated account with the consolidated spending account; And
Generating expenditure information paid to the fourth account as service usage information;
Financial service providing method comprising a. The method according to claim 6,
Providing to the terminal of the representative,
Selecting an additional service to be provided to a family based on the service usage information; And
Providing information on the selected additional service to the terminal;
Financial service providing method comprising a. The method according to claim 6,
Prior to creating the consolidated spending account,
Performing authentication on the plurality of members; And
Generating family information by registering the plurality of members as a family based on financial transaction authority delegation information and family relationship information input from the authenticated member
Financial service providing method comprising a.

Images