KR20190013365A - Method for providing installment savings service and server performing the same - Google Patents

Abstract

According to an embodiment of the present invention, provided is a method for providing an installment savings service. The method comprises the steps of: setting installment saving account opening information which includes a contract term, a withdrawal account, an estimating period of the amount of money, and an estimated expenditure amount corresponding to each estimating period of the amount of money based on an installment savings message received from a user terminal; calculating an actual expenditure amount of the withdrawal account corresponding to each estimating period of the amount of money when each estimating period elapses, and calculating a deposit amount based on the estimated expenditure amount during the estimating period of the amount of money and the actual expenditure amount of money; transmitting a deposit notification message including a deposit amount of money to the user terminal; and transferring the deposit amount of money from the withdrawal account to the installment savings account when receiving a transfer request message corresponding to the deposit notification message from the user terminal.

Description

METHOD FOR PROVIDING INSTALLATION SERVICE AND SERVER PERFORMING THE SAME,

The present invention relates to a method of providing a payment service using a user terminal and a server for executing the method.

In general, a deposit service is a service for withdrawing a fixed amount or a variable amount periodically or non-periodically in accordance with a contract for a predetermined contract term and withdrawing the accumulated amount after expiration of the contract period.

In recent years, consumption styles that consume everyday consumption are becoming popular, instead of performing expensive consumption of individual interests, due to the tendency of personal hobbies to be more important.

Accordingly, there is a continuing need and development of financial products that can save everyday consumption, easily save the small amount generated thereby, and easily provide a high amount of interest.

The present invention provides a method of providing a savings service that can lead to everyday consumption savings and a server for executing the method.

The objects of the present invention are not limited to the above-mentioned objects, and other objects and advantages of the present invention which are not mentioned can be understood by the following description and more clearly understood by the embodiments of the present invention. It will also be readily apparent that the objects and advantages of the invention may be realized and attained by means of the instrumentalities and combinations particularly pointed out in the appended claims.

According to another aspect of the present invention, there is provided a method of providing a service to a server associated with a user terminal, the method comprising: receiving, based on a settlement plan message received from the user terminal, Setting a deposit account opening information including a contract term, a withdrawal account, a money amount calculation period, and an estimated expenditure amount corresponding to each of the money amount calculation periods, and, when each of the money amount calculation periods elapses, Calculating an actual amount of expenditure of the withdrawal account corresponding to the period, calculating a deposit amount based on the estimated expenditure amount of each of the amount estimation period and the actual expenditure amount, And transferring the transfer request message from the user terminal to the user terminal, Upon reception, and it provides a savings service providing method including the step of transferring to a savings account and the payment amount from the account withdrawal.

In the step of calculating the deposit amount, the deposit amount is calculated as an amount obtained by subtracting the actual expenditure amount from the estimated expenditure amount.

The method of providing the deposit service may further include calculating an achievement degree based on the received transfer request message after transferring the deposit amount, applying the settlement account opening information, the customer information, and the achievement degree based on at least one of Calculating an interest rate, and calculating a deposit amount based on the cumulative amount of the deposit account and the applicable interest rate.

The method of providing the service further includes delivering the service information to the user terminal before receiving the payment plan message. Here, the deposit service information includes a contract period corresponding to the deposit service, a recommended amount calculation period, an interest rate regulation according to a contract period of each amount estimation period, a rate regulation based on the user characteristics, and a rate regulation based on the achievement of the goal.

Wherein the step of calculating the applicable interest rate includes the steps of setting a basic interest rate based on the interest rate regulation in accordance with the contract term and the saving account establishment information, setting a user preferential interest rate based on the interest rate regulation according to the user characteristics and the customer information Setting an achievement rate of interest on the basis of the interest rate regulation according to the achievement of the target and the degree of achievement; and calculating the applicable rate based on at least one of the basic interest rate, the user preference interest rate and the achievement rate interest rate .

Wherein the step of calculating the degree of achievement comprises the step of calculating the degree of individual achievement of the amount calculation period based on the estimated expenditure amount and the amount of deposit in the amount calculation period corresponding to the received transfer request message, And calculating the degree of achievement based on the average value of the degree of individual achievement of the amount calculation period.

The method of providing a deposit service includes delivering an achievement history message including at least one of the deposit account opening information, the achievement degree, the applicable interest rate, and the deposit amount to the user terminal based on a history request message received from the user terminal . Here, the user terminal displays the amount calculation periods corresponding to the predetermined unit period in the form of a calendar based on the achievement history message, and displays the amount of money deposited in each amount calculation period.

And calculating the actual expenditure amount based on the usage history information in the step of calculating the actual expenditure amount by receiving the usage record information of the card linked to the withdrawal account from the card company server connected to the server.

The amount calculation period is less than one month.

According to another embodiment of the present invention, there is provided a server for providing a savings service in cooperation with a user terminal, the server for providing a savings service to a user terminal, An account opening unit configured to set deposit account opening information including a withdrawal account, a money amount calculation period, and an estimated expenditure amount corresponding to each of the money amount calculation periods; A deposit amount calculation unit for calculating an actual expenditure amount of the withdrawal account and calculating the deposit amount by subtracting the actual expenditure amount from the estimated expenditure amount of each of the amount estimation period, And a transfer alarm unit for transferring a transfer request message corresponding to the deposit notification message from the user terminal And a transfer processor for transferring the deposit amount from the withdrawal account to the deposit account upon receipt of the deposit account information.

Wherein the deposit service providing server includes an achievement degree calculating unit that calculates an achievement degree based on the received transfer request message, an interest rate calculating unit that calculates a applicable interest rate based on at least one of the deposit account opening information, the customer information, And a deposit amount calculating unit for calculating a deposit amount based on the cumulative amount of the deposit account and the applicable interest rate.

The service providing server provides the service including the recommended contract period corresponding to the deposit service, the recommended amount calculation period, the interest rate regulation based on the contract term, the interest rate regulation based on the user characteristics, and the interest rate regulation based on the achievement of the goal And further includes an information section.

Here, the interest rate calculation unit sets a basic interest rate based on the interest rate regulation in accordance with the contract term and the savings account establishment information, sets a user preferential interest rate based on the interest rate regulation according to the user characteristics and the customer information, A target rate of interest is set based on the target rate of interest and the degree of achievement, and the applicable rate is calculated based on at least one of the basic interest rate, the user preferential rate, and the achievement rate.

Wherein the achievement degree calculation unit calculates the degree of individual achievement of each of the amount calculation periods based on the estimated expenditure amount and the deposit amount in the amount calculation period corresponding to the received transfer request message, And the degree of achievement is calculated based on the average value of the achievements.

The deposit service providing server transmits to the user terminal an achievement history message including at least one of the deposit account opening information, the achievement degree, the applicable interest rate, and the deposit amount based on the history request message received from the user terminal And an achievement history transfer section. Here, the user terminal displays the amount calculation periods corresponding to the predetermined unit period in the form of a calendar based on the achievement history message, and displays the amount of money deposited in each amount calculation period.

The deposit amount calculation unit receives usage record information of a card connected to the withdrawal account from a card company server connected to the server, and calculates the actual expenditure amount based on the usage record information.

The above-described method of providing a service for providing a service and a server for executing the method set up a settlement account opening information including an estimated amount of money corresponding to the amount calculation period and each amount calculation period, based on a payment plan message received from the user terminal . Then, when the amount calculation period elapses, the deposit amount is calculated based on the actual expenditure amount corresponding to each amount estimation period and the estimated expenditure amount, and a payment notification message including the deposit amount is transmitted to the user terminal. In addition, upon receiving the transfer request message corresponding to the deposit notification message, transfer of the deposit amount is performed.

In this manner, the user can easily recognize the progress of each amount calculation period as the saving time through the transfer of the deposit notification message.

Also, since the deposit amount is the amount of money saved by the user compared with the predetermined expenditure amount that is set during the estimation period of each amount, it may become easy to save the small difference generated through daily saving. Therefore, there is an advantage that the user can easily acquire daily consumption habits.

1 is a diagram illustrating a deposit service providing system according to an embodiment of the present invention.
2 is a diagram illustrating a method of providing a deposit service by the deposit service provision system of FIG.
FIGS. 3 to 5 are diagrams showing a plurality of amount calculation periods corresponding to a predetermined contract period, an estimated expenditure amount corresponding to each of the amount calculation periods, an actual expenditure amount, and a deposit amount And FIG.
6 is a view showing an example of an interface screen displayed on a user terminal in order to generate a transfer request message in response to a deposit notification message in the " transferring a deposit notification message to a user terminal "
7 and 8 are diagrams illustrating examples of an interface screen of an application for providing a deposit service displayed on a user terminal.
9 is a view showing an example of an interface screen displayed on the user terminal for detailed details inquiry based on the achievement history message in the step " delivering the achievement history message to the user terminal "

The above and other objects, features, and advantages of the present invention will become more apparent by describing in detail exemplary embodiments thereof with reference to the attached drawings, which are not intended to limit the scope of the present invention. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail. Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the drawings, the same reference numerals are used to denote the same or similar elements.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a method of providing a payment service according to an embodiment of the present invention and a server for executing the method will be described with reference to the accompanying drawings.

1 is a diagram illustrating a deposit service providing system according to an embodiment of the present invention. 2 is a diagram illustrating a method of providing a deposit service by the deposit service provision system of FIG. FIGS. 3 to 5 are diagrams showing a plurality of amount calculation periods corresponding to a predetermined contract period, an estimated expenditure amount corresponding to each of the amount calculation periods, an actual expenditure amount, and a deposit amount And FIG. 6 is a view showing an example of an interface screen displayed on a user terminal in order to generate a transfer request message in response to a deposit notification message in the " transferring a deposit notification message to a user terminal " 7 and 8 are diagrams illustrating examples of an interface screen of an application for providing a deposit service displayed on a user terminal. 9 is a view showing an example of an interface screen displayed on the user terminal for detailed details inquiry based on the achievement history message in the step " delivering the achievement history message to the user terminal "

1, the system for providing a deposit service according to an exemplary embodiment of the present invention includes a user terminal 10 assigned to each user, a deposit service associated with a card issuer server 20 for issuing and operating a card, And a providing server 30.

The deposit service providing server 30 includes a service information section 31 for providing deposit service information, an account opening section 32 for setting customer information and deposit account opening information on the basis of the deposit plan message received from the user terminal 10, A deposit amount calculation unit 33 for calculating a deposit amount corresponding to each amount calculation period when each amount calculation period set in the deposit account opening information has elapsed, and a deposit notification message including the deposit amount to the user terminal 10 A transfer alarm unit 34 for receiving a transfer request message corresponding to the transfer notification message, a transfer processing unit 35 for transferring the transferred money amount upon receipt of the transfer request message corresponding to the transfer notice message, an achievement degree calculation unit 36), an interest rate calculating unit (37) for calculating a applicable interest rate based on at least one of the savings account opening information, the customer information, and the achievement degree, an accumulation amount of the savings account, An achievement history transferring unit 39 for transferring to the user terminal 10 an achievement history message including at least one of a deposit amount calculating unit 38 for calculating an amount and at least one of a savings account information, an achievement degree, an applicable interest rate and a savings amount do.

The service information section 31 provides the settlement service information set by the person in charge of the financial institution.

The deposit service information may include limitations or recommendations of the deposit service to derive profits from at least one of the user and the financial institution.

Illustratively, the savings service information is based on the use of the savings service to facilitate small savings, including the recommended range of contract terms, the recommended range of the amount estimation period, the recommended range of the expected expenditure amount, the recommended range of the minimum deposit amount .

The amount calculation period is a period for calculating the deposit amount. For example, the recommended range of the amount estimation period can be set to a period of one day or more and a period of less than one month. In particular, since the amount calculation period is set to one day, it is possible to induce a small amount of savings for each user.

And the expected expenditure amount is a user's estimate of the expenditure amount during the estimation period. As an example, based on the user's expenditure trend and the user's preferences, the expected expenditure amount may be selected from the range of several thousand won to several tens of thousands.

In addition, the deposit amount is the amount that can be saved by saving the calculation period of each amount.

The minimum deposit amount is the minimum limit of the deposit amount to reduce the hassle of users and financial institutions. In other words, the deposit service providing server 30 can regard the deposit amount as 0 if the deposit amount in each amount calculation period is calculated to be less than the minimum deposit amount. As an example, the recommended range of the minimum deposit amount may be set to a small amount of any one of a range between several hundred won and several thousand won.

And, the deposit service information includes interest rate regulation according to the contract term, interest rate regulation according to the user characteristics, and interest rate regulation according to the achievement of the goal, based on the use of the savings service for pursuing the benefit of at least one of the user and the financial institution . The deposit service information may further include an additional interest event set by the financial institution.

For example, an additional interest rate event may include a preferential interest rate for a specific sales period, a coupon issue, and the like. Through these additional interest event, the interest in the service and the benefit of the user can be improved.

The service information unit 31 can deliver advertisement messages including the service information periodically or non-periodically to the unspecified number of user terminals 10 in order to promote the service. (S11 in Fig. 2)

2), the account opening unit 32 displays the customer information corresponding to the applicant of the deposit service and the deposit information for opening the deposit account based on the deposit plan message (step S12 in Fig. 2) Set up the opening information. (S13 in Fig. 2)

Illustratively, the user terminal 10 may display an interface screen for providing the deposit service information, and may display an interface screen for generating the deposit plan message according to the user's selection. When the user inputs information on various items for establishing the deposit service, the user terminal 10 delivers a deposit plan message including information on various items inputted by the user to the deposit service providing server 30 .

The account establishing unit 32 sets up the customer information and the account opening information based on the settlement plan message received from the user terminal 10. [

Here, the savings account opening information may include an estimated expenditure amount corresponding to the contract period, the withdrawal account, the amount calculation period, and each amount calculation period.

Further, the deposit account opening information may further include a minimum deposit amount in each amount calculation period.

Also, the amount estimation period may be set to a period shorter than one month. For example, the amount calculation period can be set to any one of 1 day, 1 week, 2 weeks, and 15 days. In particular, the amount calculation period can be set to one day.

As shown in the example of FIG. 3, the estimated expenditure amount of each amount estimation period can be set as a fixed amount. This has the advantage that the user can easily establish a more efficient expenditure plan because of the fixed amount of the expected expenditure.

Alternatively, as shown in FIGS. 4 and 5, the estimated amount of expenditure for each amount calculation period may be set as a variable amount. In this way, there is an advantage that a savings plan can be established by fitting it to the irregular income form of the user.

Alternatively, the estimated expenditure amount may be set for each predetermined unit period made up of two or more consecutive amount calculation periods. That is, an estimated expenditure amount corresponding to two or more amount estimation periods included in any one unit period is set to a predetermined fixed amount, and an estimated expenditure amount corresponding to two or more amount estimation periods included in any other one unit period Can be set as a variable amount. Illustratively, if the unit period is one month and the amount calculation period is one day, the estimated amount of expenditure corresponding to the 28 calculation periods included in February is set to a variable amount that gradually increases or decreases, The estimated amount of expenditure corresponding to the 31 period of calculation can be set as fixed amount.

The deposit amount calculation unit 33 calculates the deposit amount of the elapsed amount calculation period while counting the elapsed time period (S21 in Fig. 2) and elapsing the respective amount calculation period (S22 in Fig. 2). (S23 in Fig. 2)

Specifically, the deposit amount calculation unit 33 calculates the actual expenditure amount of the withdrawal account corresponding to each amount estimation period when each of the amount estimation periods elapses. Then, the deposit amount calculation unit 33 calculates the deposit amount of each amount calculation period based on the estimated expenditure amount of each amount calculation period and the actual expenditure amount of the calculated withdrawal account.

For example, in each accounting period, the deposit amount can be calculated by subtracting the actual expenditure from the expected expenditure. In other words, the deposit amount is calculated as the amount saved by the user for less than the estimated expenditure amount during each calculation period.

Here, the actual expenditure amount of the withdrawal account includes the withdrawal amount of the withdrawal account. That is, it may include the amount withdrawn from the withdrawal account, the amount transferred from the withdrawal account to another account other than the savings account, and the withdrawal amount due to the use of the check card linked to the withdrawal account.

Also, the deposit amount calculation unit 33 can request the card issuer server 20 to use the usage record information of the card connected to the withdrawal account when the amount calculation period elapses. The deposit amount calculation unit 33 can calculate the actual expenditure amount based on the usage record information of the card received from the card issuer server 20. [ For example, the deposit amount calculation unit 33 can calculate the actual expenditure amount based on the detected card use history, when the card usage history corresponding to each elapsed amount calculation period in the usage history information of the card is detected. That is, the actual expenditure amount of the withdrawal account may include not only the withdrawal amount of the withdrawal account, but also the estimated amount of payment due to the use of the card linked to the withdrawal account. In this way, the expenditure using the credit card can be reflected in the calculation of the actual expenditure amount. As a result, the virtual expenditure using the card can be intuitively displayed to the user, so that the expenditure and saving can be induced by the user in a more reasonable amount calculation period.

3, the account opening unit 32 generates a plurality of amount calculation periods CP1, CP2, and CP3 corresponding to the contract period CTP1 ("ConTract Period") based on the load plan message, (Estimate of Expense) of CP3, CP4, CP5, CP6, CP7, CPk and CP (Calculating Period)

Here, the contract term CTP1 is divided into k number of money calculation periods CP1, CP2, CP3, CP4, CP5, CP6, CP7, and CPk. Although not shown in FIG. 3, two or more consecutive amount calculation periods among the k count calculation periods CP1, CP2, CP3, CP4, CP5, CP6, CP7, and CPk are made in each target verification period . The target verification period is a period for more easily achieving the degree of achievement to be described later. For example, if the contract term CTP1 is one year, the target verification period may be one month, and the amount calculation periods CP1, CP2, CP3, CP4, CP5, CP6, CP7, and CPk may be one day.

In this case, the deposit amounts AS1, AS2, AS3, AS4, AS5, AS7, ASk; "AS" (Amount of money) of the deposit amounts CP1, CP2, CP3, CP4, CP5, CP6, Savings can be calculated by subtracting the actual expenditure amount (AE1, AE2, AE4, AE5, AE6, AE7, AEk; "AE" (Actual Expense)) from the expected expenditure amount (EE).

3, when the actual expenditure amount is less than the expected expenditure amount EE as illustrated in the first amount calculation period CP1, the deposit amount AS1 is calculated by subtracting the actual expenditure amount from the estimated expenditure amount Is calculated as the amount (EE-AE1). Similarly, the deposit amount of the second, fourth, fifth, seventh and k-th amounts of money calculation period (CP2, CP4, CP5, CP7, CPk) is calculated by subtracting the actual expenditure from the estimated expenditure (AS2 = AE2, AS4 = EE-AE4, AS5 = EE-AE5, AS7 = EE-AE7, ASk = EE-AEk).

If the actual expenditure amount (not shown) is 0, the deposit amount AS3 is calculated as the same amount as the estimated expenditure amount EE, as exemplified in the third amount calculation period CP3.

In addition, as exemplified by the sixth amount calculation period CP6, when the actual expenditure amount AE6 exceeds the estimated expenditure amount EE, the deposit amount (not shown) is calculated as zero.

In addition, as mentioned above, the deposit account opening information may include a predetermined minimum deposit amount. In this case, if the deposit amount is less than the minimum deposit amount, the deposit amount (not shown) is calculated as 0 as in the sixth amount calculation period CP6.

Thus, if the expected expenditure amount EE is set as a fixed amount, the user can more easily plan the expenditure for each amount setting period according to the fixed income form.

3, the account opening unit 32 may set the estimated expenditure amount EE as a variable amount instead of a fixed amount.

More specifically, as shown in FIG. 4, the account opening unit 32 generates a plurality of amount calculation periods CP1, CP2, CP3, CP4, CP5, CP6, and CP7 corresponding to the contract term CTP2 , CPk) may be set so as to gradually increase by a predetermined ratio or a predetermined amount.

As shown in FIG. 5, the estimated expenditure amount of a plurality of amount calculation periods CP1, CP2, CP3, CP4, CP5, CP6, CP7, CPk corresponding to the contract term CTP2 (EE) may be set so as to gradually decrease by a predetermined ratio or a predetermined amount.

AS2, AS3, AS4, and AS5 of each of the amount calculation periods CP1, CP2, CP3, CP4, CP5, CP6, CP7, and CPk, even when the estimated expenditure amount EE is set as the variable amount. (AE1, AE2, AE4, AE5, AE6, AE7, AEk) from the expected expenditure amount (EE) is the same as the example of FIG. 3, The description will be omitted.

Thus, if the expected expenditure amount (EE) is set as the variable amount, there is an advantage that the expenditure and the savings for each amount setting period can be planned in accordance with the irregular income form of the user.

The deposit alarm unit 34 transmits a deposit notification message including the deposit amount to the user terminal 10. [ (S31 in Fig. 2)

For example, the deposit alarm unit 34 can deliver a deposit notification message at a randomly selected notification time from the end of each amount setting period to the end of the next amount setting period. Alternatively, the deposit alarm unit 34 may deliver the deposit notification message at the end of each amount setting period.

As shown in FIG. 6, the user terminal 10 may display a pop-up window type interface screen 110 for generating a transfer request message based on a deposit notification message.

At this time, the interface screen 110 displayed on the user terminal 10 displays, based on the deposit notification message, a corresponding amount estimation period, an estimated expenditure amount 111 (indicated as "daily living expenses"), an actual expenditure amount 112 Total amount ") and a deposit amount 113 (indicated as " savings amount "). The interface screen 110 may further include buttons 114, 115, and 116 for selecting whether or not to proceed with transfer and an answer thereto.

In addition, as shown in FIG. 6, the deposit amount 113 can be calculated based on the subtracted amount of the actual expenditure amount 112 for the estimated expenditure amount 111. As shown in FIG. In particular, the deposit amount 113 may be calculated as the amount of money that is subtracted from the deduction amount less than the minimum deposit amount set by the user.

That is, in the example of FIG. 6, if the minimum deposit amount preset by the user is 1000, the deduction amount of the actual expenditure amount 112 for the estimated expenditure amount 111 is 15600 won (= 35000-19400) The amount 113 can be calculated as 15,000 won, which is the amount subtracted from the subtracted amount (15600 won) less than the minimum deposit amount (1000 won).

In this case, there is an advantage that the user can easily recognize the accumulated amount.

Here, if the user selects the " OK " button 114 of the pop-up window, the user terminal 10 can deliver the transfer request message to the service providing server 30. (S32 in Fig. 2)

On the other hand, if the user selects the "close" button 115 of the pop-up window, the user terminal 10 can deliver the transfer rejection message to the deposit service providing server 30. (Not shown)

Alternatively, when the user selects the "inquiry" button 116 of the pop-up window, the user terminal 10 can deliver the history request message to the service providing server 20. (S51 in Fig. 2)

When the transfer processing unit 35 of the deposit service providing server 30 receives the transfer request message corresponding to the deposit notification message within a predetermined answer period (S32 in FIG. 2), the transfer processing unit 35 transfers the deposit amount. (S33 in Fig. 2)

That is, when the transfer processing unit 35 receives the transfer request message corresponding to each money amount calculation period, the transfer processing unit 35 transfers the money amount corresponding to each money amount calculation period from the predetermined withdrawal account to the savings account.

The achievement degree calculating section 36 calculates the degree of achievement based on the received transfer request message. (S41 in Fig. 2)

Specifically, the achievement degree calculating unit 36 can calculate the degree of individual achievement of the amount calculation period based on the estimated expenditure amount and the deposit amount of the amount calculation period corresponding to the received transfer request message. Then, the achievement degree calculating section 36 can calculate the achievement degree based on the average value of the individual achievement degrees of two or more elapsed amount calculation periods.

In other words, referring to the example of FIG. 3, when the transfer request message corresponding to the first amount calculation period CP1 is received, the individual achievement degree of the first amount calculation period CP1 can be calculated. At this time, the individual achievement degree of the first amount calculation period CP1 can be calculated based on the ratio AS1 / EE between the estimated expenditure amount EE and the deposit amount AS1.

The first, second, third and fourth calculation periods (CP1, CP2, CP3, CP4, CP5) of the first, second, third, fourth and fifth amount calculation periods When only the transfer request message corresponding to the fifth amount calculation period (CP1, CP2, CP3, CP5) is received, the degree of achievement up to the fifth amount calculation period (CP5) AS1 / EE + AS2 / EE + AS3 / EE + AS5 / EE] / 5).

Alternatively, when a target achievement period consisting of two or more consecutive amount calculation periods is set, the achievement degree of each goal achievement period may be calculated based on an average value of the individual achievement degrees of two or more amount calculation periods included in each goal achievement period.

Illustratively, when the target achievement period is one month and the amount calculation period is one day, the achievement level of the target achievement period corresponding to March can be calculated based on the average value of 31 individual achievements.

However, this is merely an example, and the degree of achievement is intended to encourage the saving of the user, and it is natural that it can be calculated by various mathematical form including the amount of deposit in each amount calculation period as a proportional constant.

The interest rate calculating section 37 calculates the applicable interest rate based on at least one of the savings account opening information, the customer information, and the degree of achievement. (S42 in Fig. 2)

That is, the interest rate calculating unit 37 sets the basic interest rate and the user preferential interest rate at the time when the savings account is opened, that is, when the savings account opening information and the customer information are set, , And the applicable interest rate can be calculated based on at least one of the basic interest rate, the user preferential interest rate, and the achievement preferential interest rate.

Specifically, the interest rate calculating unit 37 can set the basic interest rate based on the interest rate regulation in accordance with the contract period included in the deposit service information and the savings account opening information based on the savings plan message.

For example, as an interest rate policy for a contract period, interest rates of 1.0% per annum, 1.1% per annum and 1.2% per annum for a one-, two- and three-year contract term may be specified. In this case, when the contract period included in the savings account opening information is one year, the basic interest rate may be set at 1.0% per annum.

Then, the interest rate calculating unit 37 can set the user preferential interest rate based on the interest rate regulation and the customer information according to the user characteristics included in the payment service information.

For example, as an interest rate regulation based on the characteristics of the user, a customer who has an interest rate of 0.5% for the first transaction customer, a interest rate of 0.3% for the customer having the interest coupon, a financial institution providing application in the user terminal 10, The interest rate of 0.2% can be defined. In this case, the user preference rate of 0.8% can be set by the first transaction and the customer information of the customer holding the interest coupon.

The interest rate calculating unit 37 can set the earning preferential interest rate based on the interest rate regulation for achieving the goal included in the savings service information and the degree of achievement calculated by the achievement degree calculator 36. [ The interest rate regulation according to the achievement of the target may be that the interest rate is determined according to the degree of achievement corresponding to the predetermined goal achievement period.

For example, as an interest rate regime for achieving the goal, a 1% interest rate on customers who have achieved a 0.5% interest rate for customers who achieve an average of 20% or more in 6 months and an average of 20% Can be defined. In this case, an achievement rate of 0.5% can be set by an achievement of an average of 21% in 6 months.

Then, the interest rate calculation unit 37 calculates the applicable interest rate based on the basic interest rate, the user preferential interest rate, and the achievement preferential interest rate. According to the above example, the applicable interest rate is calculated as 2.3% (= 1.0% + 0.8% + 0.5%).

The savings amount calculation unit 38 calculates the savings amount based on the amount accumulated in the savings account and the applicable interest rate. (S43 in Fig. 2)

The achievement history transmission unit 39 then transmits the achievement record including at least one of the deposit account opening information, the achievement degree, the application rate, and the amount of savings based on the history request message (S51 in FIG. 2) received from the user terminal 10 Message to the user terminal 10. (S52)

2, the achievement history transmission unit 39 may transmit the achievement history message to the user terminal 10 (step S30) regardless of whether the history request message is received (S41 in FIG. 2) ).

Alternatively, even if the user selects the " inquiry " button 116 in the pop-up window of Fig. 6 and the user terminal 10 transmits the history request message, the achievement history transmitter 39 transmits an achievement history message to the user terminal 10 .

The user terminal 10 may display an account screen displaying the amount calculation periods corresponding to a predetermined unit period of the contract period in the form of a calendar based on the achievement history message and displaying an amount of money in the each amount calculation period.

For example, as shown in FIG. 7, the user terminal 10 may display an interface screen 120 of a service for providing a service for providing a service, which is displayed based on the achievement history message. At this time, the interface screen 120 displays the amount calculation periods included in any one unit period (shown as " March 2017 " in FIG. 7) and the deposit amount of each amount calculation period in the form of a calendar . In the example of FIGS. 7 and 8, the unit period is assumed to be one month.

Illustratively, the interface screen 130 includes a deposit amount in the amount calculation period in which the actual expenditure amount is equal to or larger than the estimated expenditure amount, a deposit amount in the amount estimation period in which the difference between the estimated expenditure amount and the actual expenditure amount is smaller than the minimum deposit amount, The deposit amount of the amount calculation period which does not correspond to the request message, and the like can be indicated as " 0 ".

When the user selects any one of the amount calculation periods included in the interface screen 120, the user terminal 10 further provides a pop-up window type interface screen 130 for displaying the details of the selected amount calculation period .

At this time, the history inquiry interface screen 130 displays the estimated expenditure amount (indicated as " daily living expenses ") corresponding to the selected amount calculation period, the actual expenditure amount (indicated as " total expenditure amount & (Referred to as " monthly accumulated amount ") until the estimation period.

When the user selects a page change button (shown as " a pair of symmetrical lines " arranged at the lower end of Fig. 7) of the interface screen 120, the user terminal 10 displays a history An interface screen can be further provided.

8, the history inquiry interface screen 140 of the previous unit period has accumulated amount 141 corresponding to the previous unit period (shown as " February 2017 " in FIG. 8) , The degree of achievement, the applicable interest rate, and the amount of the savings.

8, when the user clicks the cumulative amount display area 141 in the history display interface screen 140 of the previous unit period, the user terminal 10 displays the screen of the interface screen 140 The accumulated money amount display area 141 is removed and the money amount calculation periods included in the previous unit period and the deposit amount of each money amount calculation period are displayed in a calendar form.

On the other hand, when the user selects the area 121 indicating the name of the storage service among the interface screens 120 of FIG. 7, the user terminal 10 can provide an interface screen for the detailed history inquiry based on the achievement history message have.

For example, as shown in FIG. 9, the interface screen 150 for inquiring the details of details includes a deposit account number, a deposit account name, a new date, an expiration date, a final transaction date, a payment date, a pledged amount, The withdrawal account number, the degree of achievement, the applicable interest rate, and the amount of the deposit.

As described above, the method of providing a deposit service according to an embodiment of the present invention and the server executing the method provide a deposit notification message including a deposit amount corresponding to each amount calculation period to the user terminal, The saving time can be easily recognized through reception of the corresponding deposit notification message.

In addition, the deposit amount in the calculation period is calculated by subtracting the actual expenditure from the estimated expenditure predetermined by the user.

Therefore, there is an advantage that daily small-amount savings can be induced. Therefore, this can increase the interest, interest and profit of the user for small savings, and the increase of users of financial institutions can be expected.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, But the present invention is not limited thereto.

10: User terminal
30: a service providing server
CTP: Term of Agreement
CP: Estimation period
EE: Est. Spend
AE: Actual spend amount
AS: Deposit amount

Claims (16)

A method in which a server associated with a user terminal provides a deposit service,
A settlement account including a contract term, a withdrawal account, a money amount calculation period, and an estimated expenditure amount corresponding to each of the money amount calculation periods, based on the customer information corresponding to the user terminal, Setting establishment information;
When the amount calculation period elapses, an actual expenditure amount of the withdrawal account corresponding to each of the amount estimation period is calculated, and the deposit amount is calculated based on the estimated expenditure amount of each of the amount estimation period and the actual expenditure amount step;
Transmitting a deposit notification message including the deposit amount to the user terminal; And
And transferring the deposit amount from the withdrawal account to a savings account upon receiving a transfer request message corresponding to the deposit notification message from the user terminal.
The method according to claim 1,
Wherein the deposit amount is calculated as an amount obtained by subtracting the actual expenditure amount from the estimated expenditure amount in the step of calculating the deposit amount.
3. The method of claim 2,
After the step of transferring the deposit amount,
Calculating an achievement degree based on the received transfer request message;
Calculating an applicable interest rate based on at least one of the deposit account opening information, the customer information, and the degree of achievement; And
And calculating a deposit amount based on the cumulative amount of the deposit account and the applicable interest rate.
The method of claim 3,
Further comprising the step of conveying the deposit service information to the user terminal before receiving the deposit plan message,
The deposit service information includes a contract period corresponding to the deposit service, a recommended amount calculation period, an interest rate regulation according to a contract period of each amount estimation period, a interest rate regulation based on user characteristics,
The step of calculating the applicable interest rate includes:
Setting a basic interest rate on the basis of the interest rate regulation in accordance with the contract term and the savings account opening information;
Setting a user preferential interest rate based on the interest rate regulation according to the user characteristics and the customer information;
Setting an achieving preferential interest rate based on the interest rate regulation according to the achievement of the target and the achievement degree; And
And calculating the applicable interest rate based on at least one of the basic interest rate, the user preferential interest rate, and the achievement preferential interest rate.
The method of claim 3,
The step of calculating the degree of achievement includes:
Calculating an individual achievement degree of the amount calculation period based on the estimated expenditure amount and the deposit amount in the amount calculation period corresponding to the received transfer request message; And
And calculating the degree of achievement based on an average value of individual achievements of the at least two elapsed amount calculation periods.
The method of claim 3,
And delivering to the user terminal an achievement history message including at least one of the deposit account opening information, the achievement degree, the applicable interest rate, and the deposit amount based on the history request message received from the user terminal How to provide a deposit service.
The method according to claim 6,
In delivering the accomplishment history message to the user terminal,
Wherein the user terminal displays the amount calculation periods corresponding to a predetermined unit period in a calendar form based on the achievement history message and displays a deposit amount in each amount calculation period.
The method according to claim 1,
In the step of calculating the actual expenditure amount,
Receiving usage record information of a card connected to the withdrawal account from a card company server connected to the server, and calculating the actual expenditure amount based on the usage record information.
The method according to claim 1,
Wherein the amount calculation period is less than one month.
A server for providing a collection service in cooperation with a user terminal,
A settlement account including a contract term, a withdrawal account, a money amount calculation period and an estimated expenditure amount corresponding to each of the money amount calculation periods, based on the customer information corresponding to the user terminal, based on the settlement plan message received from the user terminal An account opening section for setting opening information;
When the amount calculation period elapses, an actual expenditure amount of the withdrawal account corresponding to the each amount calculation period is calculated, and the actual amount of expenditure is subtracted from the estimated expenditure amount of each of the amount estimation period to calculate the deposit amount Deposit amount calculating section;
A deposit alarm unit for delivering a deposit notification message including the deposit amount to the user terminal; And
And a transfer processor for transferring the deposit amount from the withdrawal account to a savings account upon receiving a transfer request message corresponding to the deposit notification message from the user terminal.
11. The method of claim 10,
An achievement degree calculating unit for calculating an achievement degree based on the received transfer request message;
An interest rate calculating unit for calculating an applicable interest rate based on at least one of the deposit account opening information, the customer information, and the achievement degree; And
And a deposit amount calculating unit for calculating a deposit amount based on the cumulative amount of the deposit account and the applicable interest rate.
12. The method of claim 11,
Further comprising a service information unit for providing the service information including the recommended contract period, the recommended amount calculation period, the interest rate regulation according to the contract period, the interest rate regulation based on the user characteristics, and the interest rate regulation according to the target achievement corresponding to the savings service,
The interest-
Setting a basic interest rate based on the interest rate regulation in accordance with the contract term and the saving account opening information,
Setting a user preferential interest rate based on the interest rate regulation according to the user characteristics and the customer information,
Setting an earning preferential interest rate based on the interest rate regulation and the achievement degree according to the achievement of the target,
Wherein the applicable interest rate is calculated based on at least one of the basic interest rate, the user preferential interest rate, and the achievement preferential interest rate.
12. The method of claim 11,
The achievement degree calculating section
Calculating an individual degree of achievement of each of the amount-of-money calculation period based on the estimated expenditure amount of the amount calculation period corresponding to the received transfer request message and the deposit amount,
And the degree of achievement is calculated on the basis of an average value of the individual achievements of the elapsed amount calculation period.
12. The method of claim 11,
An achievement record delivery unit for delivering an achievement record message including at least one of the deposit account opening information, the achievement degree, the applicable interest rate, and the deposit amount to the user terminal based on a history request message received from the user terminal Include a deposit service server.
15. The method of claim 14,
Wherein the user terminal displays the amount calculation periods corresponding to a predetermined unit period in a calendar form based on the achievement history message and displays a deposit amount in each amount calculation period.
11. The method of claim 10,
Wherein the deposit amount calculation unit receives the usage record information of the card linked to the withdrawal account from the card company server connected to the server and calculates the actual expenditure amount based on the usage record information.

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