KR20210066589A - Method for providing moneybox service - Google Patents

Abstract

According to the present invention, disclosed is a moneybox service providing method. The moneybox service providing method, in a method for providing a moneybox service that automatically transfers a certain amount from a mother account to a savings account, comprises: a step of activating a first or second savings rule for the savings account; a step of calculating a savings amount based on the activated first or second savings rule at a preset time point and transferring the calculated savings amount from the mother account to the savings account; a step of not displaying the savings amount of the savings account on a screen of a user terminal and displaying different images that change depending on the size of the savings amount on the screen of the user terminal; and a step of transferring the savings amount of the savings account to the mother account when the savings amount in the savings account exceeds the preset maximum limit of the savings account or when there is a request to cancel the savings account. Accordingly, it is possible to reduce the user's burden on saving.

Description

Method for providing moneybox service

The present invention relates to a method for providing a piggy bank service. Specifically, the present invention relates to a method of providing a service for automatically transferring an appropriate amount to a piggy bank according to the balance of a user's mother account.

The content described in this section merely provides background information for the present embodiment and does not constitute the prior art.

The most common product among bank financial products is a savings product, and users can deposit and withdraw money at any time through the savings account provided by the savings product. As individual customers' interest in economic activities increases and economic knowledge becomes abundant, banks are providing a variety of financial products to satisfy customers of various tastes.

Recently, banks are providing a variety of small savings services that can increase users' savings rates by saving small amounts without burdening users.

However, in the case of the existing small savings service, the rules for saving such as category setting, saving frequency and ratio setting were complicated, so it was difficult for users to access it easily.

In addition, most of the savings methods of the small savings service are manually configured, so there was the inconvenience of always running the app or manually pressing the transfer button to save. As a result, the savings participation rate was lowered and savings failed. Had a problem to do.

SUMMARY OF THE INVENTION It is an object of the present invention to provide a method for providing a piggy bank service capable of reducing the user's burden on savings by calculating an appropriate amount that the user will not be burdened with based on the change pattern of the user's parent account balance.

Another object of the present invention is to provide a method for providing a piggy bank service that minimizes setting rules for saving, such as category setting and number setting, and automatically saves a calculated amount without running an app.

In addition, an object of the present invention is to provide a method for providing a piggy bank service that does not directly expose the savings amount of the piggy bank, but displays the item image from which the savings amount can be inferred, and exposes the changed item image as the savings amount increases will do

The objects of the present invention are not limited to the objects mentioned above, and other objects and advantages of the present invention not mentioned can be understood by the following description, and will be more clearly understood by the examples of the present invention. Moreover, it will be readily apparent that the objects and advantages of the present invention may be realized by the means and combinations thereof indicated in the claims.

In one aspect of the method for providing a piggy bank service according to an embodiment of the present invention, there is provided a method for providing a piggy bank service for automatically transferring a predetermined amount from a mother account to a savings account, the method comprising: activating a first or second savings rule for the savings account; , calculating a savings amount based on the activated first or second savings rule at a preset time, and transferring the calculated savings amount from the mother account to the savings account; Displaying different images that are not displayed on the screen and change according to the size of the savings on the screen of the user terminal, and the amount of savings in the savings account exceeds the preset maximum of the savings account, or in the savings account If there is a cancellation request for, including the step of transferring the savings amount of the savings account to the mother account.

In addition, the first savings rule analyzes the balance change pattern of the mother account for a predetermined period, calculates a first savings amount based on the balance change pattern, and sets the calculated first savings amount in the mother account. Including transferring to the savings account, the balance change pattern may be generated based on the balance change details or deposit and withdrawal details of the mother account.

In addition, calculating the first savings amount includes calculating the average balance of the mother account of the predetermined period based on the balance change pattern, determining a reference amount based on the average balance, and during the predetermined period It may include calculating the first savings amount by using the balance increase/decrease rate of the mother account and the determined reference amount.

In addition, the calculation of the first savings amount includes predicting a scheduled deposit and withdrawal amount for the upcoming predetermined period based on the past deposit and withdrawal details of the mother account, and if there is the predetermined deposit and withdrawal amount, based on this, the first It may further include adjusting the size of the savings amount.

The method may further include displaying item information used in the calculation process of the first savings amount on the user terminal.

In addition, the analysis of the balance change pattern of the parent account includes, among the balance change details or the deposit and withdrawal details, when there is a deposit of an amount larger than the reference value and deviating from the existing transaction pattern, the balance change pattern is analyzed except for the corresponding amount may include

Also, the first savings rule may include that the first savings rule is performed every predetermined day of the week, and is not performed when the balance amount of the mother account is smaller than a reference unit.

In addition, the second savings rule is to set the second savings amount by cutting off an amount less than a reference unit from the balance of the mother account at a predetermined time, and transferring the second savings amount from the mother account to the savings account may include

In addition, the second savings rule may include that it is performed at a predetermined time every day, and is not performed when the balance amount of the mother account is smaller than the reference unit.

Another aspect of the method for providing a piggy bank service according to an embodiment of the present invention is the method for providing a piggy bank service for automatically transferring a predetermined amount from a mother account to a savings account, the method comprising: activating a first or second savings rule for the savings account; , calculating a savings amount based on the first or second savings rule activated at a preset time, and transferring the calculated savings amount from the mother account to the savings account, and the savings amount of the savings account is set in advance When the maximum limit of the savings account is exceeded or there is a request to cancel the savings account, transferring the savings amount of the savings account to the mother account, wherein the first savings rule includes: and analyzing the balance change pattern of the mother account, calculating a savings amount based on the balance change pattern, and transferring the calculated savings amount from the mother account to the savings account.

In addition, the balance change pattern is generated based on the balance change details or deposit and withdrawal details of the mother account, and calculating the savings amount in the first savings rule is based on the balance change pattern of the predetermined period Calculating the average balance of the mother account, determining a reference amount based on the average balance, and calculating the first savings amount using the balance increase/decrease rate of the mother account for the predetermined period and the determined reference amount can

In addition, calculating the savings amount is based on the past deposit and withdrawal details of the mother account, predicting a scheduled deposit and withdrawal amount for the upcoming predetermined period, and if there is the predetermined deposit and withdrawal amount, the first savings amount based on this It may further include adjusting the size of .

Also, the first savings rule may include that the first savings rule is performed every predetermined day of the week, and is not performed when the balance amount of the mother account is smaller than the reference unit.

In addition, the second savings rule is to set the second savings amount by cutting off an amount less than a reference unit from the balance of the mother account at a predetermined time, and transferring the second savings amount from the mother account to the savings account may include

In addition, the second savings rule may include that it is performed at a predetermined time every day, and is not performed when the balance amount of the mother account is smaller than the reference unit.

According to the method of providing a piggy bank service of the present invention, by automatically calculating and saving an appropriate amount that is not burdensome to the user, the user's burden on saving can be reduced and the user's savings rate can be improved.

In addition, the piggy bank service providing method of the present invention can improve the savings success rate by minimizing the rule setting for saving and allowing the automatically calculated amount to be saved without running the app, and provides the user with a sense of achievement and a sense of achievement. It can provide a positive experience.

In addition, the piggy bank service providing method of the present invention provides an item image from which the savings amount can be inferred without directly exposing the savings amount in the piggy bank, so that the user can have fun in the savings process, You can increase the participation rate of the piggy bank service.

The specific effects of the present invention in addition to the above will be described together while describing specific details for carrying out the invention below.

1 is a diagram for explaining a system in which a method for providing a piggy bank service according to an embodiment of the present invention is performed.
2 is a flowchart illustrating a method for providing a piggy bank service according to an embodiment of the present invention.
3 is a diagram illustrating an interface configuration for setting a savings rule in an embodiment of the present invention.
4 is a flowchart for explaining the first savings rule according to an embodiment of the present invention.
5 is a diagram illustrating an interface configuration illustrating a process of displaying a reason calculated according to the first savings rule.
6 is a flowchart for explaining a specific method of analyzing a balance change pattern in step S220 of FIG. 4 .
7 is a flowchart for explaining the second savings rule according to an embodiment of the present invention.
8 is a diagram for explaining an interface configuration for changing a savings rule in an embodiment of the present invention.
9 is a view for explaining a peek function for a piggy bank according to an embodiment of the present invention.
10 and 11 are diagrams for explaining a function of providing an item image from which a savings amount of a piggy bank can be inferred according to an embodiment of the present invention.
12 is a diagram for explaining a function of sharing an image of an item stacked in a piggy bank according to an embodiment of the present invention.

The terms or words used in this specification and claims should not be construed as being limited to a general or dictionary meaning. In accordance with the principle that the inventor can define a term or concept of a word to best describe his invention, it should be interpreted with a meaning and concept consistent with the technical idea of the present invention. In addition, the embodiments described in this specification and the configurations shown in the drawings are only one embodiment in which the present invention is realized, and do not represent all the technical spirit of the present invention, so they can be substituted at the time of the present application. It should be understood that there may be various equivalents and modifications and applicable examples.

Terms such as first, second, A, B, etc. used in this specification and claims may be used to describe various elements, but the elements should not be limited by the terms. The above terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, a first component may be referred to as a second component, and similarly, a second component may also be referred to as a first component. The term 'and/or' includes a combination of a plurality of related listed items or any of a plurality of related listed items.

The terms used in this specification and claims are used only to describe specific embodiments, and are not intended to limit the present invention. The singular expression includes the plural expression unless the context clearly dictates otherwise. It should be understood that terms such as “comprise” or “have” in the present application do not preclude the possibility of addition or existence of features, numbers, steps, operations, components, parts, or combinations thereof described in the specification in advance. .

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs.

Terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning in the context of the related art, and should not be interpreted in an ideal or excessively formal meaning unless explicitly defined in the present application. does not

In addition, each configuration, process, process, or method included in each embodiment of the present invention may be shared within a range that does not technically contradict each other.

Hereinafter, a method of providing a piggy bank service that automatically transfers change less than or equal to a reference unit (eg, 1,000 won) or an appropriate amount to a piggy bank according to the user's parent account balance will be described in detail.

1 is a diagram for explaining a system in which a method for providing a piggy bank service according to an embodiment of the present invention is performed.

Referring to FIG. 1 , a system in which a piggy bank service providing method according to an embodiment of the present invention is performed may include a bank server 100 (hereinafter, referred to as a server) and a user terminal 200 .

The server 100 may be a subject performing the method for providing a piggy bank service according to an embodiment of the present invention. The server 100 may manage a plurality of accounts for a specific user, and may perform a function of opening an account or transferring or remitting a specific amount of money.

Specifically, the server 100 may create a savings account for saving based on the user's mother account. In this case, the savings account may be provided to the user in the form of a piggy bank. However, the account number of the savings account may not be provided to the user. In addition, the user is prohibited from withdrawing only a partial amount from the savings account, and may only be able to withdraw the entire amount through a request to cancel the savings account (eg, request to open a piggy bank).

The opening of a savings account may proceed only with the user's parent account. In this case, the savings account opened on the basis of the mother account may be opened as a regular deposit account for demand deposit. Accordingly, a certain interest may be given to the savings account. However, this is only an example and the present invention is not limited thereto.

Hereinafter, for convenience of explanation, a savings account will be described as a piggy bank, and hereinafter, a savings account and a piggy bank will be used with the same meaning.

Subsequently, the server 100 may receive the setting of the savings rule for the piggy bank from the user. The user may set the first savings rule or the second savings rule through the user terminal 200 . The first savings rule and the second savings rule may be designed to automatically transfer an amount determined according to a predetermined algorithm from the balance of the mother account to the piggy bank at predetermined intervals.

For example, the first savings rule is to automatically transfer a random amount determined according to a predefined algorithm from the balance of the mother account to the piggy bank at predetermined intervals. As an embodiment, the first savings rule determines the appropriate amount of savings (hereinafter, the first savings amount) that the user will not feel burdened based on the change pattern of the balance of the parent account in a predetermined period (eg, one week) a predetermined number of times ( For example, it includes a method of automatic transfer from the mother account to the piggy bank in 1 or 2 times). This first savings rule may be applied to the automatic collection service of the savings account.

The second savings rule may be designed to have an algorithm and a savings cycle different from those of the first savings rule, so that the amount unit and the savings frequency are derived differently. As an embodiment, the second savings rule sets the second savings amount by cutting off an amount less than a reference unit (eg, 1,000 won) from the balance of the parent account, and sets the second savings amount once a day for a predetermined time ( For example, at 10 am or 6 pm), it includes a method of automatic debit from the mother account to the piggy bank. This second savings rule may be applied to the coin collecting service of the savings account.

In this case, the user may set to activate both the first and second savings rules or only some of the first and second savings rules in the piggy bank opening step.

Subsequently, when the amount of savings exceeds a preset maximum or there is a request to cancel the piggy bank (eg, a request to open the piggy bank), the savings amount of the piggy bank may be transferred to the mother account. However, this is only an example, and the termination condition of the piggy bank may be variously modified and implemented.

An application (eg, a banking app) used to communicate with the server 100 may be installed in the user terminal 200 . The user may create a piggy bank, set or change a savings rule applied to the piggy bank, or request cancellation of the piggy bank through an application installed in the user terminal 200 .

In addition, the application does not expose the savings amount of the piggy bank, but may expose different item images that change according to a preset standard according to the size of the savings amount. The user can guess the amount of savings accumulated in the piggy bank by looking at the exposed item image.

In addition, the application may allow the user to check the amount of savings in the piggy bank through a peek function provided once at a certain period.

The method for providing a piggy bank service according to the present invention may be performed only on the server 100 , or may be divided into the server 100 and the user terminal 200 .

In an embodiment of the present invention, the user terminal 200 may refer to various electronic devices such as a personal computer (PC), a notebook computer, a tablet, a mobile phone, a smart phone, and a wearable device (eg, a watch-type terminal). .

In addition, the user terminal 200 includes an input unit for receiving a user's input, a display unit for displaying visual information, a communication unit for transmitting and receiving signals to and from the outside, and processing data and controlling each unit inside the user terminal 200, It may include a control unit for controlling data transmission/reception between the two. Hereinafter, what the control unit performs inside the user terminal 200 according to the user's command is collectively referred to as the user terminal 200 performs.

In addition, the server 100 is a computer system that provides information or services to the user terminal 200 through a communication network, and may refer to a computer program or device.

In addition, the above-described server may be directly operated or managed by a specific company or individual, or may be outsourced, and may be operated by the same entity.

In addition, since the name of the server is not specified, the functions performed by each server can be performed in other servers as well, and the functions performed in one server can be performed separately in multiple servers. Of course.

Hereinafter, a method for providing a piggy bank service according to an embodiment of the present invention will be described in detail.

2 is a flowchart illustrating a method for providing a piggy bank service according to an embodiment of the present invention. 3 is a diagram illustrating an interface configuration for setting a savings rule in an embodiment of the present invention.

Referring to FIG. 2 , according to the method for providing a piggy bank service according to an embodiment of the present invention, a user first creates a piggy bank (ie, opens a savings account) through an application (eg, a banking app) installed in the user terminal 200 . and select a savings rule (S110).

In this case, the user may select which savings rule to activate, along with agreement to the terms and conditions for the service related to the piggy bank. In this case, the piggy bank may be created based on the user's mother account.

Referring to FIG. 3 , the first screen 201 represents an intermediate screen for opening a piggy bank. On the first screen 201 , the user may activate the first savings rule R1 or the second savings rule R2 .

In this case, the first screen 201 may include a first example E1 for the first savings rule R1 and a second example E2 for the second savings rule R2.

For example, the first example (E1) may indicate the contents of the first savings rule (R1) for collecting an appropriate amount without burden (eg, 3200 won) by analyzing the deposit/withdrawal pattern and the calculation criteria thereof. The second example (E2) may represent the contents of saving 524 won, which is smaller than the reference unit (eg, 1,000 won), among the balances of the mother account (eg, the balance at 12:00 p.m. 53,524 won).

Subsequently, the second screen 202 that appears when the piggy bank is opened may include a status display area CI and an area in which activation of the first savings rule R1 or the second savings rule R2 can be changed. . In this case, in the status display area CI, an item image corresponding to the creation date of the piggy bank and the balance of the piggy bank may be displayed.

Then, referring back to FIG. 2 , the server 100 executes a savings rule (eg, the first or second savings rule R2 ) set by the user ( S120 ). Here, the first savings rule (R1) means savings transferred on a weekly basis based on the change pattern of the balance of the parent account, and the second savings rule (R2) is the standard unit (for example, 1,000 won in the balance of the parent account). ) means savings transferred by cutting off the amount less than A detailed description of the first and second savings rules R1. R2 will be described later with reference to FIGS. 4 to 7 below.

Next, the server 100 determines whether the balance of the piggy bank has reached a preset maximum (S130).

If the balance of the piggy bank exceeds the maximum, the server 100 discloses the savings in the piggy bank and transfers the saved amount to the mother account (S150).

On the other hand, even when the balance of the piggy bank does not exceed the maximum, the server 100 transfers the savings from the piggy bank to the mother account when the user requests to cancel the piggy bank (ie, open the piggy bank) (S140, S150).

One feature of the piggy bank service of the present invention is that the amount of the savings account is not exposed, and the savings amount is blindly processed so that the user cannot check it, but the user can estimate the amount of savings through the item image corresponding to the savings amount.

That is, the piggy bank service according to the present invention does not display the balance amount, so that the user can maintain savings and form the user's expectations. That is, by implementing a closed piggy bank that does not display the balance, the user can experience the same as using an actual piggy bank.

In addition, in the piggy bank service of the present invention, partial withdrawal of the savings may be limited, and only full withdrawal may be possible through 'open piggy bank' on the piggy bank management menu. In this case, the user can always cancel the piggy bank by 'opening the piggy bank'.

Then, when a predetermined period (eg, one month) has elapsed, the server 100 provides information on the balance of the piggy bank ( S160 ). Through this, the user can inquire the balance of the piggy bank limitedly once in a predetermined period.

Additionally, through the piggy bank service of the present invention, a user can share an item image corresponding to the amount he or she has collected in the piggy bank or the savings amount at the time of opening the piggy bank, to a social network service (SNS).

Through this, the present invention can make saving fun for the user, and by automatically calculating and saving an appropriate amount that will not be burdensome to the user, reduces the user's burden on saving and improves the user's savings rate can do it

4 is a flowchart for explaining the first savings rule according to an embodiment of the present invention. 5 is a diagram illustrating an interface configuration illustrating a process of displaying a reason calculated according to the first savings rule.

Here, the first savings rule (eg, 'auto-collection') represents logic for setting an amount that is not burdensome to the user (eg, between 1,000 won and 5,000 won) as the savings amount.

Referring to FIG. 4 , in the first savings rule R1 according to the embodiment of the present invention, it is first determined whether there is a transaction history in the mother account (S210). This is because the first savings rule (R1) selects the first savings amount based on the past balance change pattern. Accordingly, if the reference period (eg, one week) has not passed since the opening of the parent account, the savings may not be performed (S270).

On the other hand, if there is a transaction history in the mother account, the server 100 analyzes the balance change pattern for the mother account for a predetermined period (S220). Here, the balance change pattern may be generated based on the balance change details or deposit and withdrawal details of the mother account.

Next, the server 100 calculates the first savings amount based on the balance change pattern (S230). In this case, the first savings amount may be calculated based on the past deposit and withdrawal details, the current balance, the balance increase/decrease rate, and the amount of deposits and withdrawals scheduled to occur in the future. A detailed description thereof will be described with reference to FIG. 6 .

Next, the server 100 determines whether the balance amount of the mother account is smaller than a reference amount (eg, 1,000 won) (S240).

Next, when the balance of the mother account is greater than the reference amount (eg, 1,000 won), the server 100 transfers the calculated first savings amount from the mother account to the piggy bank ( S250 ).

On the other hand, when the balance of the mother account is less than the reference amount (eg, 1,000 won), the server 100 does not perform the savings (S270).

Next, the server 100 presents a calculation basis for the first savings amount (S260). In this case, the calculation basis for the first savings amount may be provided only when there is a request from the user terminal 200 . In this case, the basis for calculating the first savings amount may include item information (eg, consumption amount change rate, savings amount change rate, balance change rate, etc.) used in the calculation process of the first savings amount. The calculation basis may be displayed on the screen of the user terminal 200 by the user's touch.

For example, referring to FIG. 5 , when the user clicks (T11) the first button of the first savings rule R1, the server 100 may display the calculation basis RI1 of the first savings amount. have. At this time, the calculation basis (RI1) may include the message “Consumption amount decreased, savings amount decreased, and the amount of savings increased because the balance was at the same level as usual”. That is, a message including data on 'reduction of consumption', 'decrease in savings', and 'balance increase/decrease rate', which are item information used in the calculation of the first savings amount, may be output. However, this is only an example, and the calculation process may be modified in various ways and provided to the user.

Additionally, steps S210 to S270 described above may be performed every predetermined day of the week. For example, the first savings rule R1 may be performed every Tuesday and Friday. However, the execution interval and date of the first savings rule (R1) may be variously modified and implemented.

Hereinafter, a method of analyzing the balance change pattern in the first savings rule (R1) will be described.

6 is a flowchart for explaining a specific method of analyzing a balance change pattern in step S220 of FIG. 4 .

Referring to FIG. 6 , the server 100 extracts balance change details and deposit/withdrawal details of the mother account (S221). In this case, the server may extract necessary data using the log and big data related to the parent account.

Next, the server 100 determines the reference amount based on the average balance of the mother account for a predetermined period (S223). For example, the server 100 sets the reference amount to 1,000 won when the average balance of the parent account is 500,000 won or less, and sets the standard amount to 2,000 won when the average balance of the mother account exceeds 500,000 won and 1 million won or less, and If the average balance exceeds 1 million won, the standard amount may be set at 3,000 won. However, this is only an example, and the setting criteria for the reference amount may be variously modified and implemented.

Next, the server 100 calculates the first savings amount based on the determined reference amount and the mother account balance increase/decrease rate for a predetermined period (eg, one week) (S225).

For example, based on the reference amount, the server 100 may increase the first savings amount when the balance increase/decrease rate is positive, and decrease the first savings amount when the balance increase/decrease rate is negative. Also, as the size of the balance increase/decrease rate increases, the value added or subtracted from the reference amount may also be significantly changed.

Additionally, the server 100 may also use the balance increase/decrease rate of the previous week when calculating the first savings amount. For example, the server 100 may give weights to the balance increase/decrease rate of this week and the balance increase/decrease rate of the previous week, respectively, and may be reflected in calculating the first savings amount. However, this is only an example and the present invention is not limited thereto.

Next, the server 100 adjusts the calculated first savings amount based on the borrower's scheduled deposit and withdrawal amount (S227).

Specifically, the server 100 may predict the scheduled deposit and withdrawal amount for a predetermined period to come based on the past deposit and withdrawal details of the parent account. Then, when there is a predetermined deposit and withdrawal amount in the mother account, the server 100 may adjust the size of the first savings amount based on this. That is, the server 100 may adjust the first savings amount in consideration of factors that may affect the balance scheduled until the borrower.

For example, the server 100 adjusts the first savings amount in consideration of direct debit items (direct debit with a fixed amount), loan interest, and other credit card-related scheduled withdrawal amounts (calculating and reflecting the average amount by analyzing existing transaction details) can

As another example, the server 100 may adjust the first savings amount in consideration of the expected withdrawal amount for a new loan, a new savings account, a new direct debit, etc. that are not reflected in the existing transaction details.

As another example, the server 100 may adjust the first savings amount to increase accordingly when the expenditure decreases than usual, without abruptly increasing the first savings amount because the income suddenly increases than usual. In addition, the server 100 may reduce the first savings amount if the income decreases this month, and adjust the first savings amount to decrease accordingly if the expenditure increases than usual. In addition, if the balance of the mother account is too low or the balance of the loan interest is smaller than the expected payment amount, the server 100 may not save the first savings amount.

In addition, in addition, the server 100 may analyze the balance change pattern described above, excluding the corresponding amount, when there is a deposit of an amount greater than the reference value and out of the existing transaction pattern among the balance change details or deposit and withdrawal details. However, if the maintenance period of the amount is longer than the reference date (for example, 14 days), or if it corresponds to a pattern that is repeatedly deposited based on the existing transaction history, it can be included in the calculation.

In summary, the server 100 collects elements such as the average balance of the entire analysis period, repeated monthly deposits and withdrawals, direct debit amount, loan interest, the amount going out to a fixed savings, and other factors such as deposit and withdrawal details that are not registered as items in the system Taking this into account, it is possible to calculate and apply an appropriate first savings amount.

Through this, the method of providing the piggy bank service of the present invention can reduce the user's burden on saving and improve the user's savings rate by automatically calculating and saving an appropriate amount that is not burdensome to the user.

7 is a flowchart for explaining the second savings rule according to an embodiment of the present invention.

Referring to FIG. 7 , in the second savings rule according to the embodiment of the present invention, it is first determined whether an amount equal to or less than a reference unit exists in the parent account of the server 100 ( S310 ). Here, when the reference unit is KRW 1,000, the amount (eg, KRW 1 to KRW 999) cut to less than KRW 1,000 in the balance of the mother account is determined as the second savings amount.

Next, the server 100 determines whether the balance amount of the mother account is greater than the reference amount (eg, 1,000 won) (S320).

Next, when the balance amount is greater than the reference amount, the server 100 transfers the settled second savings amount from the mother account to the piggy bank ( S330 ).

On the other hand, if the balance of the mother account is less than the reference amount, the server 100 does not execute the savings (S340). This is to prevent the user from burdening the user with savings by executing savings when the balance of the parent account is smaller than the reference amount.

Steps S310 to S330 described above may be performed at a predetermined time every day. For example, the settlement of the amount of the second savings rule R2 may be performed every night at midnight, and the transfer of the second savings amount may be performed every day at 10:00 am. However, the execution time of the second savings rule R2 may be variously modified and implemented.

8 is a diagram for explaining an interface configuration for changing a savings rule in an embodiment of the present invention.

Referring to FIG. 8 , the user may change the savings rule by activating or deactivating the first savings rule R1 or the second savings rule R2 through an application installed in the user terminal 200 .

Specifically, the first screen 211 of the application includes the activated first savings rule R1 and the second savings rule R2, and a status display area CI indicating the savings state.

Next, when the user clicks the button T21 for canceling the activation of the second savings rule R2, the second screen 212 displays a menu M2 asking whether to confirm or cancel the change of the savings rule.

If the user touches the cancel button of the saving rule change (T22), the saving rule is converted to the original state. On the other hand, when the user touches the confirmation button of the saving rule change (T23), the application proceeds to the user authentication step (213). In this case, user authentication may be performed in various methods disclosed in the prior art.

Subsequently, when user authentication is completed, the second savings rule R2 is deactivated, and a third screen 214 in which only the first savings rule R1 is activated may be displayed.

That is, the user can easily change the activation state of the first savings rule R1 or the second savings rule R2 with a few touches in the application of the user terminal 200 .

9 is a view for explaining a peek function for a piggy bank according to an embodiment of the present invention.

Referring to FIG. 9 , the server 100 may provide a peek function for checking the balance of the piggy bank once in a predetermined period (eg, a month).

For example, the server 100 may transmit a message TM indicating that the balance of the piggy bank can be checked to the user terminal 200 on the 25th of every month.

Subsequently, when the user selects the message TM received from the server 100 , the application of the user terminal 200 may temporarily display the balance of the piggy bank in the status display area CI. Additionally, the application may display information such as the number of executions of the first savings rule R1 and the second savings rule R2, the amount of savings according to the execution, and the amount of interest received on the screen 223 together.

Through this, the user can periodically check the status of savings in the piggy bank within a range that does not affect the savings.

10 and 11 are diagrams for explaining a function of providing an item image from which a savings amount of a piggy bank can be inferred according to an embodiment of the present invention.

10 and 11 , the piggy bank service of the present invention does not basically display the amount saved in the piggy bank on the screen of the user terminal 200 . Instead, the application of the user terminal 200 displays an item image corresponding to the saved amount in the status display area CI.

Specifically, the application displays different item images that change according to the size of the savings in the status display area CI. In this case, the item image corresponding to the size of the savings may be the same as in the table of FIG. 11 .

For example, when the savings amount is 500 won or more and 1,000 won or less, an image of a lollipop may be displayed in the status display area CI. In addition, when the savings amount is 12,000 won or more and 14,000 won or less, the image of the movie advance ticket may be displayed in the status display area CI. However, this is only an example, and the image of the item corresponding to the savings amount may be variously modified and implemented.

As another example, although not clearly expressed in the drawing, the table of FIG. 11 may be reset based on the user's payment details. For example, if the user has paid more for pizza than chicken, when the savings amount is between 20,000 won and 22,000 won, the displayed item image may be changed from chicken to pizza. In this case, the application may select and apply the image of an item preferred by the user through the collection of card payment details or text messages.

Through this, the method of providing a piggy bank service of the present invention provides an item image from which the savings amount can be inferred without directly exposing the savings amount in the piggy bank, so that the user can have fun in the savings process. , it is possible to increase the participation rate of the corresponding piggy bank service.

12 is a diagram for explaining a function of sharing an image of an item stacked in a piggy bank according to an embodiment of the present invention.

Referring to FIG. 12 , in the present invention, a user can share an item image corresponding to the amount of savings he or she has accumulated in the piggy bank or the savings amount at the time of opening the piggy bank, to a social network service (SNS).

Specifically, by touching (T41) the share button included in the first screen 241, the application may display the second screen 242 including a list of shareable social network services (SNS).

Next, when the user selects any one of the social network service (SNS) list, the user terminal 200 executes the selected social network service (SNS) and opens the item image or the piggy bank corresponding to the amount of savings collected in the piggy bank You can convey information about your savings.

Through this, the present invention can allow the user to feel fun about saving. In addition, the present invention can reduce the user's burden on saving and improve the user's savings rate by automatically calculating and saving an appropriate amount that the user will not be burdened with.

In addition, the method of providing a piggy bank service of the present invention minimizes the rule setting for savings, and by saving the automatically calculated amount without running the app, it is possible to improve the savings success rate, and to give the user a sense of achievement and a positive attitude toward saving. can provide an experience.

The above description is merely illustrative of the technical idea of this embodiment, and various modifications and variations will be possible without departing from the essential characteristics of the present embodiment by those of ordinary skill in the art to which this embodiment belongs. Accordingly, the present embodiments are intended to explain rather than limit the technical spirit of the present embodiment, and the scope of the technical spirit of the present embodiment is not limited by these embodiments. The protection scope of this embodiment should be interpreted by the following claims, and all technical ideas within the equivalent range should be interpreted as being included in the scope of the present embodiment.

100: server
200: user terminal

Claims (15)

A method for providing a piggy bank service that automatically transfers a certain amount from a mother account to a savings account,
activating a first or second savings rule for the savings account;
calculating a savings amount based on the activated first or second savings rule at a preset time point and transferring the calculated savings amount from the mother account to the savings account;
The saving amount of the savings account is not displayed on the screen of the user terminal, and displaying different images that change according to the size of the savings on the screen of the user terminal; and
When the amount of savings in the savings account exceeds the preset maximum limit of the savings account, or when there is a request to cancel the savings account, transferring the savings in the savings account to the mother account
How to provide a piggy bank service.
According to claim 1,
The first saving rule is,
Analyze the balance change pattern of the parent account for a predetermined period,
Calculating a first savings amount based on the balance change pattern,
Comprising transferring the calculated first savings amount from the mother account to the savings account,
The balance change pattern is generated based on the balance change details or deposit and withdrawal details of the mother account.
How to provide a piggy bank service.
3. The method of claim 2,
Calculating the first savings amount is
calculating the average balance of the mother account for the predetermined period based on the balance change pattern,
Determine the reference amount based on the average balance,
Using the rate of increase and decrease of the balance of the mother account for the predetermined period and the determined reference amount, comprising calculating the first savings amount
How to provide a piggy bank service.
4. The method of claim 3,
Calculating the first savings amount is
Based on the past deposit and withdrawal details of the parent account, predict the amount of deposit and withdrawal scheduled for the upcoming predetermined period,
If there is the predetermined deposit and withdrawal amount, further comprising adjusting the size of the first savings amount based on this
How to provide a piggy bank service.
4. The method of claim 3,
Further comprising displaying item information used in the calculation process of the first savings amount on the user terminal
How to provide a piggy bank service.
3. The method of claim 2,
Analyzing the balance change pattern of the parent account is,
Among the balance change details or the deposit and withdrawal details, if there is a deposit of an amount larger than the reference value and deviating from the existing transaction pattern, analyzing the balance change pattern excluding the corresponding amount
How to provide a piggy bank service.
3. The method of claim 2,
The first saving rule is,
It is performed every predetermined day of the week,
When the balance amount of the parent account is less than the reference unit, including non-performing
How to provide a piggy bank service.
According to claim 1,
The second saving rule is,
At a predetermined time, an amount less than the reference unit is cut off from the balance of the parent account to set the second savings amount,
Including transferring the second savings amount from the mother account to the savings account
How to provide a piggy bank service.
9. The method of claim 8,
The second saving rule is,
It is carried out at a predetermined time each day,
When the balance amount of the parent account is less than the reference unit, including not being performed
How to provide a piggy bank service.
A method for providing a piggy bank service that automatically transfers a certain amount from a mother account to a savings account,
activating a first or second savings rule for the savings account;
calculating a savings amount based on the first or second savings rule activated at a preset time point, and transferring the calculated savings amount from the mother account to the savings account; and
When the amount of savings in the savings account exceeds the preset maximum limit of the savings account, or when there is a request to cancel the savings account, transferring the savings in the savings account to the mother account;
The first saving rule is,
Analyzing the balance change pattern of the mother account for a predetermined period, calculating a savings amount based on the balance change pattern, and transferring the calculated savings amount from the mother account to the savings account
How to provide a piggy bank service.
11. The method of claim 10,
The balance change pattern is generated based on the balance change details or deposit and withdrawal details of the mother account,
Calculating the savings amount in the first savings rule is,
calculating the average balance of the mother account for the predetermined period based on the balance change pattern,
Determine the reference amount based on the average balance,
Comprising calculating a first savings amount by using the increase/decrease rate of the balance of the mother account for the predetermined period and the determined reference amount
How to provide a piggy bank service.
12. The method of claim 11,
To calculate the savings amount,
Based on the past deposit and withdrawal details of the parent account, predict the amount of deposit and withdrawal scheduled for the upcoming predetermined period,
If there is the predetermined deposit and withdrawal amount, further comprising adjusting the size of the first savings amount based on this
How to provide a piggy bank service.
12. The method of claim 11,
The first saving rule is,
It is performed every predetermined day of the week,
When the balance amount of the parent account is less than the reference unit, including not being performed
How to provide a piggy bank service.
11. The method of claim 10,
The second saving rule is,
At a predetermined time, an amount less than the reference unit is cut off from the balance of the parent account to set the second savings amount,
Including transferring the second savings amount from the mother account to the savings account
How to provide a piggy bank service.
15. The method of claim 14,
The second saving rule is,
It is carried out at a predetermined time each day,
When the balance amount of the parent account is less than the reference unit, including not being performed
How to provide a piggy bank service.

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