KR20180067387A - Service method providing interest using the remainder of demand deposit - Google Patents

Abstract

The present invention relates to an interest providing service method using the balance of a demand deposit which comprises the steps of: opening a demand deposit; verifying the balance of the demand deposit every day; and providing an additional interest when the balance (the minimum balance or the average balance) satisfies an additional interest providing condition.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a method of providing interest using a balance of demand deposits,

The present invention relates to a service method for providing interest calculated by a specific interest rate on an amount of a demand deposit that satisfies a continuous period of time in calculating a demand deposit account interest.

Currently, deposit products offered by financial institutions such as banks are demand deposits that make it easy for anyone to use, and savings deposits that can be used when certain conditions are met.

Demand deposits are deposits that can be withdrawn at any time and are subject to low interest rates. These include ordinary deposits (savings deposits), deposit accounts, and checking accounts. Savings deposits have a higher interest rate than required deposits. Instead, they have to maintain a certain amount or more for a certain period of time without depositing or withdrawing money. These include periodic deposits and housing subscription deposits.

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

However, high-interest products and high-profit products among conventional deposit products are required to satisfy specific subscription conditions, so customers who do not satisfy the conditions of subscription, ie customers with short-term liquidity funds, customers who need to withdraw money from time to time, Low customers are being neglected by financial institutions in ensuring higher returns from deposits.

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

However, financial institutions have not been able to provide products that guarantee higher interest rates than those of ordinary demand deposits, despite the efforts of product development.

Therefore, a financial product that guarantees a high interest rate without joining a fixed deposit while maintaining the convenience of customers' deposit and withdrawal accounts is required.

The technical problem of the present invention is to provide a method of providing an interest offering service using a balance of demand deposits, which provides interest calculated with a specific interest rate on an amount of a demand deposit account of a customer maintained for a predetermined period or more.

According to an aspect of the present invention, there is provided a method of providing interest using a balance of a demand deposit. This service method includes a passbook opening step in which a passbook management server opens a required passbook, a service registration step in which the passbook management server registers the requested passbook in a interest providing service, a daily registration request A banknote identification step of identifying a banknote balance or an average balance; an amount-of-maintenance-day identification step of identifying the number of days in which the banknote management server has been continuously maintained for each amount of the balance or average balance; Determining a minimum balance or an average balance in which the number of consecutive days held by the amount of the average balance is equal to or more than the consecutive days as a target amount and identifying the number of days in which the target amount continuously remains as a maintenance period; The server applies the interest corresponding to the target amount and the maintenance period to calculate interest The shipment includes the interest calculation step and the interest offering step that provides the calculated interest.

The interest calculation step may include calculating a first target amount and a first interest calculated in the first maintenance period corresponding to the first target amount by excluding a balance of the amount of the remaining amount of the demanded account in the first maintenance period The interest is calculated in the second target amount and the second maintenance period if the second target amount and the second target amount are less than the second interest calculated in the second maintenance period in which the second target amount is held, Is the minimum remaining amount or the average remaining amount after the first target amount of the balance of the demanded bank account during the first maintenance period, and the second maintenance period is the continuous day or more.

In the balance grasp step, the setting date is the set settlement day or daily.

According to the present invention, when the balance of a demand deposit account of a customer who deposits and withdraws from time to time without having to subscribe to a separate periodic deposit is maintained for a set continuous period or longer, the amount of demand deposit can be automatically There is an effect of receiving the interest calculated by the interest rate. Further, according to the present invention, there is an effect that a deposit position to which the embodiment of the present invention is applied to a financial institution can have an advantageous position in attracting customers as compared with other financial institutions.

1 is a basic conceptual diagram of a method of providing an interest service using a balance of demand deposit according to an embodiment of the present invention.
FIG. 2 is a conceptual diagram of a first modification of a method of providing an interest service using a minimum balance of demanded deposits according to an embodiment of the present invention.
3 is a conceptual diagram of a second modification of a method of providing an interest service using a minimum balance of demand deposits according to an embodiment of the present invention.
FIG. 4 is a basic conceptual diagram of a method of providing an interest service using an average balance of demand deposits according to an embodiment of the present invention.
5 is a network configuration diagram of an interest providing service system using a balance of demand deposit according to an embodiment of the present invention.
FIG. 6 is a block diagram illustrating a requirement of the interest-providing service system according to the embodiment of the present invention.
7 is a flow chart of a method of providing an interest service using a balance of demand deposit according to the first embodiment of the present invention.
FIG. 8 is a flowchart illustrating a method of identifying and performing an interest-providing service in FIG.
FIG. 9 is a flowchart of a method of providing an interest service using a balance of demand deposit according to a second embodiment of the present invention.

In the drawings, the same reference numerals are used throughout the specification to refer to the same or like parts.

Hereinafter, an additional interest providing service method using a balance of demand deposits according to an embodiment of the present invention will be described with reference to the accompanying drawings.

FIG. 1 is a basic conceptual diagram of an additional interest providing service method using a balance of demand deposits according to an embodiment of the present invention, wherein a graph represents daily balance.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention. 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.

Hereinafter, with reference to the accompanying drawings, a description will be made of a method of providing interest using a balance of demand deposit according to an embodiment of the present invention.

FIG. 1 is a basic conceptual diagram of a method of providing an interest service using a balance of demand deposit according to an embodiment of the present invention, wherein a graph represents daily balance.

The interest providing service according to the embodiment of the present invention is intended to cover the balance of the demand deposit account free of deposit and withdrawal, specifically, the daily balance or the average balance of the demand deposit account book, and the interest settlement period (the day immediately after the settlement date, (N) or more, that is, the balance or the average balance remaining constant for a predetermined period, or the like. In this case, the interest is the interest that is provided for the amount that meets the service requirements set out in the balance of the requested account, usually the additional interest that is provided in addition to the demand account book interest for the balance of the requested account, Of interest.

The amount and duration of the specific interest rate applied to the service requirement of the remaining balance of the requested account is the fixed deposit structure. The present invention provides interest that is calculated at a specific interest rate for a period of time that has been maintained for a predetermined period or more with respect to an amount that satisfies a predetermined period of time (a set consecutive day) The interest calculation structure is a fixed deposit structure, but unlike existing fixed deposits, it does not specify the start date or amount of the specific interest rate unless it is specially decided while operating as a demand deposit account, and the amount and period that satisfy the service set on the interest calculation day All. Of course, the commodity supplier can set the start date or set the period for the commodity that satisfies the set service according to the needs.

In the case of a commodity supplier, it is possible to apply a specific interest rate to the fixed deposit structure of each amount or to apply a specific interest rate only for the fixed deposit structure of a certain amount of money You may. Of course, depending on the needs of the supplier, you can apply the interest rate only once to calculate the interest for the overlapping portion of the fixed deposit structure for each amount. As described above, the product supplier can implement the product according to the needs by applying the present invention.

1, when the settlement period is January 1 to April 30, the consecutive day (N) is 30 days, and the minimum balance is based on, the first period (10) Until March 30, one million won was maintained for more than 30 days. And from March 8 to April 30, the third period (30), 1.5 million won was maintained for more than 30 days. However, the balance between February 15 and March 7, the second period (20), did not keep the amount of 1.35 million won for 30 days. The minimum balance means the smallest amount when comparing daily balances in the maintenance period,

Accordingly, the interest providing service according to the embodiment of the present invention provides interest for the amount corresponding to (area A + area C). Meanwhile, the interest providing service according to the embodiment of the present invention may provide interest only for the amount corresponding to one of the areas A and C according to the needs of the goods supplier.

At this time, the interest amount (ie, the minimum balance or the average balance) and the period in which the target amount is maintained (hereinafter referred to as "the maintenance period") are calculated and the interest is calculated using the target amount, the maintenance period, do. In this case, the maintenance period may be the entire interest settlement period as a whole, and may be a part of the interest settlement period. The maintenance period may be a period including a consecutive day (N) or a remaining period excluding a consecutive day (N).

For example, in the interest providing service according to the embodiment of the present invention, a total period of 121 days, which is from January 1 to April 30, is regarded as a maintenance period, and a minimum balance of one million won is regarded as a target amount, . In the C area, the total period of 54 days from March 8 to April 30 is regarded as the maintenance period, and the minimum balance of 1,500,000 won is deducted from the amount of the area A (150 - 1,000,000 won) The amount of interest is calculated.

When applying the other interest calculation method, the total period of 54 days from March 8 to April 30 is regarded as the maintenance period for C area, and the minimum balance of 1.5 million won is identified as the target amount. Then, From January 1 to April 30, the total period of 67 days from January 1 to March 7 excluding the area overlapping with the C area is regarded as the maintenance period, and the minimum balance of 1 million won is identified as the target amount. Calculate interest by period and target amount. The setting of the maintenance period (n), which is continuous (n), can be made by the goods supplier or the consumer, depending on the needs,

As another example, if the settlement period is from May 1 to August 31, the consecutive day (N) is 30 days, and the minimum balance is based on, the fourth period (40) Until the day, 500,000 won was maintained for more than 30 days. Also, during the seventh period (70), from June 15 to July 7, about 1.3 million won was maintained for more than 30 days. However, there is no amount maintained for more than 30 days from May 1 to May 22 in the fifth period (50), and the amount maintained for more than 30 days from May 23 to June 14 in the sixth period (60) There is no.

Therefore, the interest providing service according to the embodiment of the present invention provides interest for the amount corresponding to (D area + G area), and at this time, for the D area and G area, ) And the maintenance period, and calculates the interest using the target amount, the maintenance period, and the set interest interest rate. The interest calculation method is the same as the above-described method for calculating the interest for the A region + C region.

1, the basic concept of the interest providing service according to the embodiment of the present invention is that a condition for providing interest (hereinafter referred to as "interest providing condition") is set by a continuous day (N) There is a first characteristic. Such a consecutive day (N) may be set by the customer and set by the financial institution. And the minimum number of consecutive days (N) is 2, and the maximum number of days can be determined according to the settlement date. That is, the consecutive day (N) may be set from the day following the maximum previous settlement date to the current settlement day. The settlement date can be set by the customer and can be set by the financial institution.

On the other hand, if the consecutive days (N) are long, it means that the probability of the amount of the target amount to be lowered is high. For example, in the above example, when the consecutive day N is 30 days, the area A, the area C, the area D and the area G satisfy the interest provision condition. However, And D area satisfy the interest offer condition. Therefore, the larger the consecutive day (N), the higher the interest rate of the interest, and the service can be operated. Therefore, the basic concept of the interest-providing service according to the embodiment of the present invention is to adjust the continuous day (N) according to the position of the customer or the position of the financial company to increase or decrease the size of the interest to be provided to the customer, The second feature of the present invention is that it can enhance the scalability.

Meanwhile, the basic concept of the interest providing service according to the embodiment of the present invention is that the interest is also provided for the 41st period 41. [ In this case, the 41st period (41) is based on the amount based on August 7, and the balance of 500,000 won is maintained from August 7 to August 31, which is 30 days. can not do. However, since the basic concept of the present invention is that the start date of the 41st period 41 is May 1, not August 7, the 41st period 41 is included in the period of providing interest (i.e., the maintenance period) .

Meanwhile, the basic concept of the interest providing service according to the embodiment of the present invention is that the interest interest rate on the A region (or the D region) and the interest interest on the C region (or the G region) can be set to be the same, There is a fourth characteristic that can be set.

Modifications to the basic concept of the interest-providing service according to the embodiment of the present invention will be described below.

A modification to the basic concept of the interest providing service according to the embodiment of the present invention is created as new variables are added to the interest providing conditions. The new variables include setting amounts, setting the target amount, changing the amount of interest due to the reduction of the maintenance period for maximum interest, and setting the number of interest payments within the maintenance period.

(Set amount)

A modification to the basic concept according to the set amount of money will be described with reference to FIG. FIG. 2 is a conceptual diagram of a first modification of the interest-providing service using the minimum balance of demanded deposits according to the embodiment of the present invention, wherein the graph is the daily balance.

The interest provision condition according to the set amount is set to the consecutive day (N) and the set amount. The set amount is a condition for the amount to remain constant for more than the consecutive days (N) set within the interest settlement period. Accordingly, the interest offering service provides interest for an amount of money over a set amount that is constantly maintained for more than a consecutive day (N) set within the interest settlement period.

Referring to FIG. 2, the daily balance of the demand account is 1.5 million won on January 1, 2 million won on January 2, 1 million won on January 3, 1.5 million won on January 4, 2 million won on January 5, 6 days is 3 million won, January 7 is 2 million won, January 8 is 2.5 million won, January 9 is 2.2 million won, and January 10 is 1.2 million won.

The case where the set amount is set to 1.5 million won or more in the above situation will be explained. At this time, for example, the continuous day (N) is set to 3 days.

According to the interest offer conditions above, January 1 and January 2 are more than the set amount of 1.5 million won or more, but the balance is 1 million won on January 3 and less than the set amount of 1.5 million won. Therefore, section A1, which runs from January 1 to January 3, which is 3 consecutive days, does not satisfy the condition of interest payment, which must be set at least 1.5 million won for at least 3 days since the minimum balance of the requested account is 1 million won.

Next, from January 4 to January 9, which is three or more consecutive days, the minimum balance of the requested account is over 1.5 million won, and the balance of the demand deposit on January 10 is 1.2 million won. 9 (A2 section) meets the conditions for interest payment. Therefore, in this case, the interest is calculated by setting the maintenance period to 6 days corresponding to the section A2 and setting the target amount to 2 million won.

(Setting of target amount)

The target amount is set by a customer or a financial institution to a target amount, and a certain amount set as the target amount is hereinafter referred to as a "target amount to be set". The interest provision condition according to the setting of the target amount is set as the consecutive day (N) and the setting target amount, or consecutive day (N), the setting target amount and the setting amount.

The interest providing service provides the interest for the set target amount that is kept constant for more than the consecutive days (N) set in the interest settlement period if the consecutive days (N) and the set target amount are the interest providing conditions, N), the amount to be set and the set amount are set as the interest provision condition, interest is provided for the amount to be set out of the amount of the set amount that is kept constant for more than the consecutive days (N) set within the interest settlement period. At this time, the amount to be set is more than the set amount.

A specific example of the interest providing method according to the setting of the target amount will be described with reference to FIG. At this time, the consecutive day (N) is set to 3 days, and the amount to be set is 500,000 won.

Referring to FIG. 2, since the minimum balance is more than one million won from Jan. 1 to Jan. 10 (A3 section), it is larger than the set target amount of 500,000 won. Therefore, the interest providing service at this time sets the maintenance period to 10 days, and the interest is calculated by setting the target amount at 500,000 won. As another example, assuming that the consecutive day (N) is three days and the setting target amount is 500,000 won, the interest providing service sets the maintenance period to 10 days, and the interest is calculated by setting the target amount to 1 million won.

However, if the consecutive day (N) is 3 days and the amount to be set is 1.5 million Yuan, the provision of the interest is not satisfied. The period is set to 50 days, and the interest is set at 1.5 million won to calculate interest.

On the other hand, if interest is provided for three days for consecutive days (N), 500,000 won for the set amount, and 1 million won for the set amount, the period from January 1 to January 10 (A3 section) Therefore, the interest offering service has a maintenance period of 10 days, and the interest amount is calculated by setting the target amount to 1 million won. Of course, if the amount of money to be set is raised or the amount of money to be set is raised, the maintenance period that satisfies the interest providing condition is shortened.

(Change in target amount due to reduction of maintenance period for maximum interest)

The interest providing service according to the change of the target amount due to the reduction of the maintenance period for the maximum interest will be described with reference to FIG. FIG. 3 is a conceptual diagram of a second modification to the interest providing service method using the minimum balance of demand deposit according to the embodiment of the present invention, which is a daily residual graph.

According to FIG. 3, the daily average balance of the demand account is 1.5 million won for January 1, 2 million won for January 2, 3 million won for January 3, 3.5 million won for January 4, 3 million won for January 5, Jan. 6, Jan. 2, Jan. 7, Jan. 1, Jan. 8, Jan. 1, Jan. 1, Jan. 1, Jan. 2, Jan. 10, Jan. 2, Jan. 2, Jan. 2, Jan. 12, Jan. 2, The work is 1,400,000 won.

According to the basic concept of the interest providing service according to the embodiment of the present invention based on the balance of the demand account, the B4 section from January 1 to January 13 satisfies the interest provision condition, 13 days, and the minimum balance is 1 million won on January 8, so interest is calculated as 1 million won as the target amount.

However, if interest is calculated excluding the balance of 1 million won, which is the balance of January 8, which has the lowest balance during the maintenance period, the maintenance period is 12 days and the target amount is increased to 1.5 million won. If interest is calculated by subtracting the minimum balance during the maintenance period and the interest is greater than the interest calculated by including the minimum balance, the minimum interest is excluded and the interest is calculated do.

(Set the number of interest payments within the maintenance period)

According to the basic concept, the number of interest payments within the maintenance period is not fixed. That is, if the second minimum balance, which is greater than the first minimum balance, is maintained for a number of consecutive days (N) or longer within the maintenance period in which the first minimum balance is maintained for a consecutive day (N) or more, interest is provided and the first minimum balance is continuously N) or more than the first minimum balance within a maintenance period that is maintained for more than a consecutive day (N), this also provides interest.

Referring to FIG. 3, according to the basic concept, when the consecutive day (N) is set to 3 days, the interest is provided with a target amount of one million won for the section B4, and the interest is provided for the section B1 and the section B5 (2,000,000 to 1,500,000 won) will be provided as interest, while the interest will be provided for the amount of B6 section (2,330,000 to 1,500,000 won) as the target amount. Interest will be provided, and interest will be provided for the B3 section (3 million to 20 million won) as the target amount.

Here, interest is provided for the B2 section (2,000,000 to 10,000 won) as the target amount, interest is provided for the section B6 (2,300,000 to 10,000,000 won) as the target amount, and 300,000 10 million won) will be provided as interest.

The number of provision of interest within the maintenance period is set by the customer or the financial institution in the interest adjustment period (the period from the previous settlement date to the current settlement date) or within the same maintenance period. Or the setting of the number of times of provision of interest within the maintenance period is to set the number of times of provision of interest within one maintenance period by the customer or the financial institution.

Referring to FIG. 3, in the case where the continuous day N is set to 3 days and the number of provision of interest is set to 3, the interest providing service provides interest for the period B4, the period B1, and the period B5. In this case, the interest may be based on a large order, and the interest may be based on the smallest order.

Hereinafter, with reference to FIG. 4, the basic concept of the interest providing service using the average balance of the demanded account is described. FIG. 4 is a basic conceptual diagram of a method of providing an interest service using an average balance of demand deposits according to an embodiment of the present invention, wherein a graph is a graph of average balances of the days.

The daily average balance of the demand deposit account is 1.5 million won on January 1, 2 million won on January 2, 1 million won on January 3, 1.5 million won on January 4, 2 million won on January 5, 300 million won on January 6 , 2 million won on January 7, 2.5 million won on January 8, 2.2 million won on January 9, and 1.2 million won on January 10.

Here, since the average balance on January 1 is the first day of the interest offering period, it is the balance of the requested account, and the average balance on January 2 is the average balance on January 1 and January 2, The average balance is the average balance from January 1 to January 3. And January 4 is the average balance from January 1 to January 4, the average balance on January 5 is the average balance from January 1 to January 5, the average balance on January 6 Is the average balance from January 4 to January 6. The average balance on January 7 is the average balance from January 1 to January 7, January 8 is the average balance from January 1 to January 8, January 9 is January 1 To January 9, the average balance. The average balance on January 10 is the balance of the demand deposit from January 1 to January 10.

As shown in FIG. 4, the basic concept of the interest providing service using the average balance of the demanded account according to the embodiment of the present invention is based on the minimum balance of the demanded account according to the embodiment of the present invention described with reference to FIG. It is almost the same as the interest offering service.

And the same modified concept as in the case of using the minimum balance is applied to the interest providing service using the average balance of the demanded account according to the embodiment of the present invention. That is, a modification to the basic concept of the interest providing service using the average balance according to the embodiment of the present invention is created as new variables are added to the interest providing conditions. The new variables include setting amounts, setting the target amount, changing the amount of interest due to the reduction of the maintenance period for maximum interest, and setting the number of interest payments within the maintenance period.

Hereinafter, a network environment of an interest providing service system using a balance of demand deposits according to an embodiment of the present invention will be described with reference to FIG.

5 is a network configuration diagram of an interest providing service system using a balance of demand deposit according to an embodiment of the present invention. Referring to FIG. 5, the interest-providing service system according to the embodiment of the present invention is constructed based on a financial legacy system of an ordinary bank. In general, banks' financial legacy systems include a central system, an information system, an accounting system, a banking system, and a customer relationship management (CRM) system.

The interest providing service system according to the embodiment of the present invention is constituted by adding a server (or apparatus) for performing functions for the present invention or functions for the present invention in the account system. The deposit service system according to the embodiment of the present invention will be understood from the following description with reference to FIG.

The deposit service system according to the embodiment of the present invention includes an account management server 100, an electronic document server 200, a DBMS 300, an electronic document DB 400 and a banking server 500 do.

The bankbook management server 100 operates as a principal performing the interest providing service method using the balance of the requested bankbook according to the embodiment of the present invention.

The bankbook management server 100 is located in the accounting system of the financial legacy system, and is responsible for opening and managing the demand bankbook. Specifically, the bankbook management server 100 is responsible for opening an account of a required account, registering a service condition value, determining a maintenance interval and an amount of interest satisfying interest providing conditions using the balance of the requested account, and calculating and providing interest. Here, the service condition value includes a consecutive day (N), and may further include at least one of a set amount, an object amount, and an interest settlement date.

Such an account management server 100 may be built in a conventional account creation server (not shown) for creating an account of a financial product in the account system, and may be constructed as a separate server (or device) .

The bankbook management server 100 is connected to a window terminal 32 of a branch office through a financial network (for example, a financial common network or a local network) Lt; / RTI >

Upon receipt of the request for opening the requested bankbook, the account management server 100 creates an account of the requested bankbook, and upon receipt of the interest-providing service subscription request for the opened demand bankbook, Register the condition value. The bankbook management server 100 starts the service from the registration date by registering the requested bankbook (or the account of the requested bankbook) in the interest providing service, and the service using the minimum balance or the average balance described with reference to Figs. 2 to 4 Service for one of the first to third cases, or one of the variations.

The electronic document server 200, the financial system (including the DBMS 300), the electronic document DB 400, and the banking server 500 constitute a system for financial transactions. Here, the financial system is generally referred to as a system and a system excluding the electronic document server 200, the electronic document DB 400 and the banking server 500 among the financial legacy systems.

The electronic document server 200 and the electronic document DB 500 are intended to store information on which financial product of a bank the customer has subscribed as a document. The electronic document server 200 receives the electronic document for the requested bankbook opened from the bankbook management server 100 to generate electronic document information and the electronic document DB 400 receives the electronic document generated by the electronic document server 400 Store information.

The banking server 500 is connected to the customer terminal 31 via the Internet. The banking server 500 enables a customer to use a financial service (e.g., inquiry, transfer, etc.) through a connection with the customer terminal 31 in connection with the DBMS 300 of the financial system.

The DBMS 300 receives various kinds of information on the demand deposit, the term deposit and the negative loan from the bankbook management server 100 to generate / store the ledger, stores various information about the customer who opened the requested bankbook, And stores the information of all financial transactions made through the Internet.

Accordingly, information stored in the DBMS 300 can be used to identify information about a specific customer opening a required account, a deposit / withdrawal account through a requested account, interest in joining interest service, and interest calculated / provided.

Hereinafter, each of the servers 100 to 500 shown in FIG. 5 will be described in more detail with reference to FIG. FIG. 6 is a block diagram illustrating a requirement of the interest-providing service system according to the embodiment of the present invention.

The bankbook management server 100 includes a local interface unit 110, an I / O interface unit 120, an image receiving unit 130, an electronic document transfer unit 140, a passbook opening unit 150, a service setting unit 160, A service performing unit 170, and an interest providing unit 180.

The local interface unit 110 interfaces with the window terminal 32 of the customer terminal 31 through the corresponding bank network (i.e., the local network) and provides various information for the present invention to the window terminal 32, And receives various kinds of information for the service of the present invention from the server 32. The I / O interface unit 120 enables data communication by connecting with various servers constituting the system of the present invention.

Here, the interfaces provided by the local interface unit 110 and the I / O interface unit 120 are based on a protocol stack defined in a communication network to be connected. The I / O interface unit 120 is located in both the bankbook management server 100 as well as the other configurations (200 to 500, etc.) of the system according to the embodiment of the present invention.

The image receiving unit 130 receives image data (for example, an image file) of a requested bankbook registration application and a deposit service registration application for a specific customer received through the local interface unit 110. [

At this time, the application form for the request account information includes customer information such as personal information of the customer, subscription information for notifying the subscription of the demand deposit account provided by the relevant bank, and operating condition information of the demand deposit account. The operating condition information of the demand deposit account includes the account number, the consecutive day (N), the set amount, the set amount, the target amount, the service condition value such as interest settlement date (or interest settlement period) Is described.

The electronic document transmission unit 140 generates an electronic document, that is, an image file, by using the image content of the request passbook submission application and transmits the electronic document to the electronic document server 200. In this case, the image file is a PDF (Portable Document Format) file, a word processor file including at least one of HWP / DOC, and an EDI (Electronic Data Interchange) file.

When the request for bankbook opening request is received from the counter terminal 32 through the local interface unit 110, the bankbook establishing unit 150 responds to the personal information of the customer 20 included in the requested bankbook registration request form, . In addition, the passbook issuing unit 150 creates a ledger for the demanded account account in response to the personal information of the customer 20 in association with the financial system, and stores the ledger in the DBMS 300. Also, when the account opening unit 150 creates an account of the requested account, the information of the account request account is provided to the electronic document transfer unit 140 so that the account information is included in the electronic document.

The service setting unit 160 registers the account of the requested account included in the requested bankbook registration application as the object of the interest providing service when receiving the request bankbook registration application from the counter terminal 32 through the local interface unit 110. The service execution unit 170 grasps the minimum balance or the average balance for the consecutive dates by using the balance of the required account balance according to the service condition value, grasps the maintenance period and the target amount that satisfy the interest provision condition. The interest provider 180 calculates interest using the interest interest rate set for the maintenance period and the target money amount determined by the service execution unit 170, and deposits the calculated interest in the account of the desired account balance. Of course, if the weighting condition is included in the service condition value, the interest providing unit 180 further calculates the interest by adjusting the interest interest rate by further considering the weighting condition.

Next, the electronic document server 200 will be described. The electronic document server 200 is a server included in the financial legacy system, and allows the subscriber to store and manage the subscription information of the subscribed financial product as an electronic document in the financial legacy system. The electronic document server 200 includes an electronic document receiving unit 210, an information generating unit 220, and an electronic document storage unit 230. The electronic document receiving unit 210 receives the financial instrument electronic document including the image content provided by the electronic document transmitting unit 130 of the bankbook management server 100. [

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

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

Hereinafter, a method of providing interest using a balance of demand deposits according to an embodiment of the present invention will be described.

FIG. 7 is a flowchart of a method of providing an interest providing service using a balance of demand deposits according to the first embodiment of the present invention, in which a balance of a demanded bankbook is grasped daily and a interest providing service is provided. Referring to FIG. 7, the bankbook management server 100 establishes a requested bankbook (S701), and registers the requested bankbook (that is, the account of the requested bankbook) in the interest providing service (S702).

When the interest providing service is registered, the bankbook management server 100 grasps the remaining balance (or the average balance) of the registered bank account of the current day (S703) and counts the first maintenance period (S704). Then, the bankbook management server 100 determines whether the count value (i.e., the first maintenance period) corresponds to the set consecutive day N (S705).

If the count value is not a consecutive day (N), the bankbook management server 100 ascertains the balance (or average balance) of the required bankbook in the next day (S706), increments the count value by "1 & It is determined whether the value is a consecutive day (N) (S705).

In step S705, the bankbook management server 100 determines that the event is an interest occurrence event when the count value is consecutive (N), and grasps the smallest amount (that is, the minimum balance) as the first target amount, (N) as the first target amount (S708).

After the interest occurrence event, the bankbook management server 100 continuously grasps the remaining balance or the average balance of the requested account in the next day (S708), compares the balance or the average balance with the first target balance, If it is smaller than the first target amount, it is determined that the first target amount has changed (S710), and the remaining amount or the average remaining amount of the current work is recognized as the first target amount (S711).

On the other hand, if the account balance management server 100 determines in step S708 or / and step S706 that the balance or the average balance is recognized on the next day, the account management server 100 performs an interest providing service starting from the current day if the balance or the average balance is larger than the first target (S709). The process of step S709 will be described in detail below with reference to FIG.

Then, the bankbook management server 100 counts the first maintenance period (S712) and determines whether the current day is the settlement date (S713). If the current date is not the settlement date, the bankbook management server 100 determines the balance or the average balance on the next day and repeats the processes of S707 to S713. If the current day is the settlement date, The first maintenance period is grasped and the first target amount is recognized (S714).

Then, the bankbook management server 100 calculates the interest using the first maintenance period, the first target amount, and the interest interest interest (S715), and provides the calculated interest to the corresponding required bankbook (S716).

Hereinafter, step S709 will be described with reference to FIG. FIG. 8 is a flowchart illustrating a method of identifying and performing an operation of providing another interest-providing service in FIG.

While the interest offering service for the first target amount is being performed, the passbook management server 100 determines whether the balance (or average balance) of the current day is greater than the first target amount (S801), and if the balance is greater than the first target amount (S802), and counts the second sustain period (S803). Then, the bankbook management server 100 determines whether the count value (i.e., the second maintenance period) corresponds to the set consecutive day N (S804). Here, the consecutive days (N) corresponding to the second sustain period may be the same as or different from the consecutive days corresponding to the first sustain period.

If the count value is not a consecutive day (N), the bankbook management server 100 grasps the balance (or average balance) of the required bankbook in the next day (S806) If it is possible to provide the service, the service provider provides the interest providing service (S806). Here, the process of step S806 is a process from step S801 to step S817. However, it differs from the process of step S801 in that a comparison is made as to whether the balance is greater than the balance of the previous day. The step S806 is not performed if the number of times of provision of interest is set to two.

The bankbook management server 100 determines that the second maintenance period does not satisfy the consecutive day N if the balance (or the average balance) is equal to or less than the first target amount, stops providing the service, If it is larger than the target amount of money, the count value of the second sustain period is incremented by one (S803), and it is determined whether the count value is consecutive days (N) (S804).

In step S804, the bankbook management server 100 determines that the event is an interest occurrence event when the count value is consecutive (N), and grasps the smallest amount (that is, the minimum balance) as the second target amount, (N) as the second target amount (S807). After the interest occurrence event for the second target amount, the bankbook management server 100 continuously checks the balance or the average balance of the required account in the next day and compares the balance or the average balance with the second target amount to calculate the balance or the average balance Is greater than or equal to the second target amount (S809).

The bankbook management server 100 determines whether another balance of interest providing service can be provided if the balance or average balance is equal to or greater than the second target amount, and provides the interest providing service if the service providing is possible (S810). Here, the process of S810 is a process from S801 to S817, but the balance to be compared in the process of S801 is the second target amount. The step S810 is not performed if the number of times of provision of interest is set to two.

The bankbook management server 100 counts the second maintenance period if the balance or the average balance is equal to or greater than the second target amount (S811), determines whether the current date is the settlement date (S812) If the current day is a settlement date, it is determined that the event is an interest termination event, and the second maintenance period, which is the count value counted, is grasped and the second target amount is grasped (S813 ).

On the other hand, if it is determined in step S809 that the remaining amount of the requested account is less than the second target amount, the bankbook management server 100 determines that the second target amount is an interest termination event for the second target amount (S814) (S815).

The bankbook management server 100 calculates the interest using the second maintenance period, the second target amount, and the interest interest rate (S816), and provides the calculated interest to the corresponding requested bankbook (S817) .

Hereinafter, with reference to FIG. 9, a method of providing an interest service using a balance of demanded deposits according to a second embodiment of the present invention will be described.

FIG. 9 is a flowchart of a method of providing an interest providing service using a balance of demand deposit according to a second embodiment of the present invention, in which the balance of a requested account is calculated at the settlement date to calculate interest. Referring to FIG. 9, the bankbook management server 100 establishes a requested bankbook (S901), and registers the requested bankbook (that is, the account of the requested bankbook) in the interest providing service (S902).

When the interest providing service is registered, the bankbook management server 100 determines whether the current date is the settlement date (S903), and if it is the settlement date (S904), performs the interest providing service.

Specifically, the bankbook management server 100 grasps the balance or the average balance of daily demand bankbook during the interest settlement period (S905), and grasps the number of days (the number of days) continuously held for each balance or average balance amount (S906). Then, the bankbook management server 100 compares the number of consecutive days for each amount with the set consecutive days N (S907), and determines whether the number of consecutive days is N or more consecutive days (S908).

The bankbook management server 100 judges that the interest providing condition is not satisfied if the number of consecutive days is less than the consecutive days N and judges that the interest providing condition is satisfied if the number of consecutive days is more than the consecutive days N do. Then, the bankbook management server 100 recognizes the amount of money that satisfies the interest provision condition and the number of days that are continuously maintained for the number of consecutive days as a maintenance period, and grasps the money amount as a target amount (S909).

Then, the passbook management server 100 calculates the interest using the determined maintenance period, the target amount and the interest interest rate (S910), and provides the calculated interest to the required demand deposit bank (S911).

The service method according to the embodiment of the present invention is a service that enables a customer to receive a specific interest rate corresponding to a fixed deposit from the day of deposit to the day of withdrawal by differentiating the period and the amount of the fixed deposit from the fixed deposit.

Therefore, if the financial period does not set the maximum interest payment period or the interest calculation period, the amount and the period to which the specific interest rate is applied is N days or more. The day when the amount becomes less than the amount is decided. Of course, if interest payment period or interest calculation period is set in advance, interest is calculated within a predetermined period.

If you set the start date of N and the expiration date of N, you can calculate the minimum or minimum balance during N periods to calculate interest at specific interest rates. And other rates may be applied for amounts other than a certain amount during that period. According to this method, from the viewpoint of financial institutions, it is not possible to always give a high interest rate on the whole balance of the demanded account book, but it is a demand account and calculation method corresponding to the financial environment which can not give low interest as before .

Also, the service method according to the embodiment of the present invention can be utilized as an interest service method in which a specific interest rate is provided when the average balance of M days, which is less than or equal to a consecutive day N, is equal to or greater than a predetermined amount. Where N and M can be the same or different for two days or more.

For example, if N is 9 days and M is 3 days, the average price for 1 day to 3 days is 1,500,000 won, the average price for 4 days to 6 days is 2 million won, and the average price for 7 days to 9 days is 1,200 won. If the balance is 1 million won on the 12th day, the interest rate will be calculated by applying the specific interest rate for the minimum balance of 1.2 million won during the period from 1 to 9 days. And other rates apply to amounts other than a certain amount during this period.

You can get the balance as above, and you can get it from 1 to 3 days, 2 to 4 days, 3 to 5 days, and so on. If N is set to 1 month, if the minimum rate of M days is more than a certain amount for a month, interest can be calculated by applying a specific interest rate for a certain amount of money per month. And other rates apply to amounts other than a certain amount during this period.

Of course, the period of M may be longer or shorter than two days in consideration of the position of the financial institution or the customer within the period of N. For example, if N is 2 months, M is 1 month, and the average monthly payment for the first month is 2 million won and the average monthly payment for the second month is 3 million won, the interest is calculated by applying a specific interest rate for 2 million won for two months. And during this period, another rate applies for amounts other than a certain amount

It will be appreciated that those skilled in the art will readily understand the service method corresponding to the modification concept of the interest providing service using the balance of the required deposit according to the embodiment of the present invention, The description of the method is omitted.

The embodiments of the present invention described above are not only implemented by the apparatus and method but may be implemented through a program for realizing the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded, The embodiments can be easily implemented by those skilled in the art from the description of the embodiments described above. While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It belongs to the scope of right.

31: user terminal 32:
100: passbook management server 200: electronic document server
300: Financial system, DBMS 400: Electronic document DB

Claims (3)

A passbook opening step in which the passbook management server opens a required passbook,
A service registration step in which the bankbook management server registers the requested bankbook in the interest providing service,
A balance grasp step of grasping the daily demand bank balance or the average balance within the interest settlement period on the date the bankbook management server is set up,
An amount-of-maintenance day holding step of determining the number of days in which the bankbook management server is continuously held for each amount of the balance or the average balance,
The bankbook management server identifies the minimum balance or the average balance in which the number of consecutive days kept by the amount of the balance or average balance of daily demand bankbook is equal to or more than the consecutive days as the target money amount, , And the interest rate
The passbook management server calculates interest by applying interest corresponding to the target amount and the maintenance period, and
Interest offering step to provide the calculated interest
The method of providing interest based on the balance of demand deposits. The method of claim 1,
The interest calculation step
The first target amount and the second target amount calculated by excluding the balance of the amount of the remaining amount of the demanded bankbook during the first maintenance period that is calculated in the first maintenance period corresponding to the first target amount, And the second target amount and the second maintenance period when the second target amount is less than the second interest calculated in the second maintenance period in which the second target amount is maintained,
The second target amount is a minimum balance or an average balance having a small amount next to the first target amount among balances of the demanded bank accounts during the first maintenance period and the second maintenance period is a balance Usage of the used interest service. 3. The method according to claim 1 or 2,
Wherein the setting date is the set date or the daily setting date in the remaining balance identification step.

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