KR20220127055A - money transfer system in time interval with cash by using phonebook of portable phone and operating method thereof - Google Patents

Abstract

The present invention relates to a system for automatic transfer of certain cash per unit time to a local acquaintance in contact information recorded in a mobile terminal and an operating method thereof. The system for automatic transfer of certain cash, according to the present invention, comprises: an employer terminal (1000); a financial sector server (2000); a financial balance management server (3000); and an employee terminal (4000). According to the present invention, the occurrence of a financial accident can be fundamentally prevented.

Description

A system for automatically transferring a predetermined amount of cash per unit time to a close acquaintance of a contact recorded in a mobile terminal and an operating method thereof

The present invention relates to a system and operation method for automatically transferring a predetermined amount of cash per unit time to an acquaintance located in a short distance or in the vicinity of a mobile terminal and recorded in a phonebook of a mobile terminal, and more particularly, to a method for operating the same. Only when using the location information check function of the communication mobile terminal and the acquaintance (B) recorded in the contact information (phonebook, phonebook) is located within a short distance or a certain radius around me (A) per unit time The designated amount of cash is automatically transferred to the bankbook of the acquaintance, but the management institution that received the transfer from me (A) and the corresponding financial institution (financial sector) manage both the amount to be transferred, respectively, and I (A) The limit of the amount that can be transferred per day for each acquaintance is set at the management institution and the relevant financial institution, but the limit is set. To a close acquaintance of a contact recorded on a paying mobile terminal, a system for automatic transfer of a predetermined amount of money per unit time and a method for operating the same.

I (I, sender, employer, parent, A) hire an acquaintance (recipient, employee, child, B) according to a contract, etc. It is common to pay in return, and at this time, A wishes for B to be located within a certain working area, but the reality is that there are many cases where this cannot be done for various reasons.

And the parents (A) hope that their children, grandchildren, and acquaintances, including caregivers, are close to each other, but the reality is that they are far away due to various reasons.

In the following description, I, the person, the employer, the employer, the owner, the parent, the person, and the remitter have the same meaning and are selectively used according to the context. In addition, acquaintances, employees, counterparties, customers, children, grandchildren, acquaintances, caregivers, B, and depositors have the same meaning and are selectively used according to the context.

In general, I (parents) are small but large, but I want to pass on the wealth I have accumulated to my children (acquaintances, grandchildren), etc.

Parents are considered to be filial because they can give and receive help (give and take, GAT: give and take) when their children or acquaintances are located nearby, and when an emergency or urgent event occurs, their mind is stable. are relatively many

On the other hand, financial accidents and criminal activities that extort money in various ways, such as voice phishing, are rapidly increasing, causing a social scandal.

In addition, as the supply of mobile communication terminals (including mobile phones and smart phones) is activated due to the development of communication-related technologies and reduction of communication costs, one or more portable terminals are being distributed per individual.

Therefore, it is possible to check the current location of the user very precisely using the GPS or Differential GPS (DGPS) or LBS technology of the mobile communication terminal. If an employee, including children or relatives or caregivers located in the vicinity of ) in the form of a fixed amount to be paid, but a limited amount not exceeding the daily payment limit amount is set to be paid, thereby inducing loyalty You need to block it outright.

In addition, it is necessary to develop a method for satisfying parents' desire to give pocket money or expenses (salary) to their children, relatives, acquaintances, and employees including caregivers, but in a sound, fair and safe way.

As a prior art that partially resolves this need, there is a 'financial management system and parent terminal for managing children's pocket money' according to Korean Patent Registration No. 10-1328733 (November 1, 2013).

1 is a functional configuration diagram of a child pocket money management system using a terminal according to an embodiment of the prior art.

Hereinafter, when the prior art is described in detail with reference to the accompanying drawings, it consists of a parent terminal 100 , a child terminal 200 , a network 300 , and a financial management system 400 .

The parent terminal 100 and the child terminal 200 are mobile communication terminals (cell phones or smart phones) capable of Internet communication and banking, respectively, and include a PC, a tablet PC, and a laptop computer, and the network 300 is a network that provides Internet services. (network) configuration, and the financial management system 400 is a system that provides a financial management service for managing children's pocket money.

The prior art has the advantage of using a bank account as a method in which the parent transfers pocket money to the child as a reward when the promise set between the parent and the child is fulfilled.

However, in the prior art, since the method of giving pocket money is a method of transferring money according to the subjective judgment of parents, there is still a problem that cannot solve the concern that children will recognize that pocket money is given for granted as time goes by.

Therefore, it is necessary to develop a technology that allows the allowance or expenses to be paid when the party receiving the allowance or expenses fairly and clearly performs the promised action.

In addition, even if a large amount is spent at one time in the bankbook of the parent (I, employer, A), a daily transfer limit is set, so it is necessary to develop a technology to prevent 'B' from being able to visit at once or from being unfairly withdrawn. .

Republic of Korea Patent Registration No. 10-1328733 (2013. 11. 01.) ‘Financial management system and parental terminal for managing children’s pocket money’ Republic of Korea Patent Registration No. 10-0328576 (2002. 03. 04.) ‘Account transfer method using a mobile communication terminal’ Republic of Korea Patent Registration No. 10-1561388 (2015. 10. 12.) ‘Mobile Cash Point Transfer System’ Korean Patent Application No. 10-2019-0022280 (2019.02.26.) ‘Children’s allowance management system’

The present invention, devised to solve the problems and necessity of the prior art as described above, pays a fixed amount of money to a child, acquaintance, or employee who is frequently looked after by a parent in the vicinity by an hourly basis, but pays in a give and take (GAT) method In addition, the payment is made through a specific management company and the payment is limited to not exceed the set amount on a daily basis. Its purpose is to provide an operating method.

On the other hand, the present invention uses the precise location tracking function of the mobile communication terminal and pays pocket money or expenses objectively, soundly and fairly to children, acquaintances, employees, etc. located in the vicinity of the person for filial piety or work. It is an object to provide a system for automatic transfer of a predetermined amount of money per unit time and an operating method thereof to close acquaintances of the contact information recorded on the mobile terminal, which promotes the induction of filial piety and filial piety.

In order to achieve the above object, the system for automatic transfer of predetermined cash per unit time to close acquaintances of the contact information recorded in the portable terminal of the present invention devised to achieve the above object is provided with a location-based service from the mobile communication system server (5000) and the financial sector server (2000) While using the Internet banking service of Employer terminal to set (1000); It accesses the employer terminal 1000 and the public transfer network 6000 via the transfer network 6000, provides internet banking service upon request, receives the specified amount, records and manages the bank balance converted into the specified account, and a specific counterpart converts the bank balance into cash. When a payment request is made, the financial sector server 2000 processes an account transfer within a limited amount per day; The financial sector server 2000 is connected via the public transfer network 6000, and the bank balance is notified, and the bank balance specified in the other party designated by the employer terminal 1000 connected via the transfer public network 6000 is measured in units of time. a financial balance management server 3000, which notifies the employer terminal 1000 and the financial server 2000 of the payment result, records and manages the latest version of the Give and Take app, and provides upon request; The employer terminal 1000 is located in the designated area, requests and installs and operates the Give and Take app, and records and stores the bank balance per unit time paid by the financial balance management server 3000 in a phone number account, and the financial server ( 2000) accessing the employee terminal 4000 to request a cash transfer; may include.

The employer terminal 1000 is connected to the mobile communication system server 5000, the LBS unit 1100 for receiving the LBS positioning information of the location-based service; Accesses the LBS unit 1100 and analyzes the positioning information for one or more of the plurality of employee terminals 4000 to determine whether each is located in a designated area, and if it is confirmed that they are located in the designated area, the designated bank balance is paid in units of time an employment terminal control unit 1200 for requesting the financial balance management server 3000 and outputting a corresponding control signal to each functional unit provided in the employer terminal 1000, respectively, and monitoring; God packet frame modulation and demodulation for modulating and demodulating data to be communicated by connecting to the financial sector server 3000 and the financial balance management server 3000, respectively, into the god packet frame 7000 according to the corresponding control signal of the employment terminal control unit 1200 Unit 1300; Give and take app unit 1400 that downloads, installs and operates the latest version of the Give and Take app from the financial balance management server 3000 according to the corresponding control signal of the employment terminal control unit 1200; According to the corresponding control signal of the control unit 1200, the financial server 2000 and the financial balance management server 3000 are simultaneously connected to each other through multiple communication channels including one or more communication channels, respectively, and each with a god packet frame of the same content. It may include a multi-channel communication unit 1500 for simultaneous data communication.

The employer terminal 1000 receives a GPS signal from a GPS satellite according to the corresponding control signal of the employment terminal control unit 1200 and outputs the GPS positioning information including the coordinate information of the current location by differential GPS method analysis. (1600); Positioning average operation unit 1700 that inputs the corresponding positioning information of the LBS unit 1100 and the GPS unit 1600 according to the corresponding control signal of the employment terminal control unit 1200 and outputs the average positioning information by arithmetic average operation (1700) ; Motion sickness input/output unit 1800 for inputting and outputting audio-level and video-level signals according to the corresponding control signals of the employment terminal control unit 1200, and for inputting external signals by touch; According to the corresponding control signal of the employment terminal control unit 1200, the audio-grade voice signal input from the motion sickness input/output unit 1800 is converted into a text signal and the text signal is converted into an audio-grade voice signal, and the motion sickness input/output unit ( 1800) a voice-to-text conversion unit 1900 for outputting; may further include.

The voice-to-text conversion unit 1900 includes a TS unit 1910 for converting and outputting a text signal made of text into an audio-grade voice signal according to a corresponding control signal of the employment terminal control unit 1200; Estity unit 1920 for converting an audio-grade voice signal into a text signal according to the corresponding control signal of the employment terminal control unit 1200 and outputting it; may include.

The god packet frame 7000 is composed of 20 words, and the start position of the data constituting the packet frame is recorded, the transmission destination, the transmission time, the generation coordinate information, and the total data by bits. an overhead data area field 7100 in which size and serial number information of a plurality of connected tiled packet frames are included and recorded; a first financial sector data area field 7200 which consists of 50 words and records remittance and transfer financial information data transmitted to a financial sector server; a second financial sector data region field 7300 in which remittance and transfer financial information data recorded in the first financial sector region field 5200 is repeatedly recorded, consisting of 50 words; a first bank balance data area field 7400, which consists of 50 words and records bank balance supply and demand result data transmitted to the financial balance management server; a second bank balance data area field 7500 consisting of 50 words and repeatedly recording bank balance supply and demand result data recorded in the first bank balance data area field 5400; a spare data area field 7600 consisting of 50 words and in which designated data is recorded; It consists of 20 words, and if it is determined that an error is included by analyzing the entire recorded data, the cyclic redundancy check (CRC) method and the Hamming code method are sequentially and repeatedly operated to detect duplicate errors and process duplicate recovery check data area field 7700; an end head data area field 7800 that is composed of 20 words and includes error detection and recovery, whether or not retransmission is requested, data generator information, frame end position, transmission route information, and frame serial number information; may include.

The financial balance management server 3000 passes through the transfer public communication network 6000 according to a corresponding control signal to the employer terminal 1000 and the financial sector server 2000, and is a multiple communication channel composed of one or more communication channels at the same time. a server multi-channel communication unit 3100 that connects and simultaneously communicates data with each packet frame of the same content; It accesses the server multi-channel communication unit 3100 and controls and monitors to select data transmitted through the channel with the least transmission error among data received through multiple communication channels or data transmitted through a designated channel, and control and monitor one or more Bank to the phone number of the employee terminal 4000 at the request of the employer terminal 1000 within the confirmed set limits of the bank balance to be paid per hour and the bank balance to be paid per day for the employee terminal 4000 The balance server notifies the fact of the balance payment, notifies the employer terminal 1000 and the financial server 2000 as data, and outputs and monitors the corresponding control signal to each functional unit provided in the financial balance management server 3000, respectively. control unit 3200; God packet frame modulation and demodulation unit that modulates and demodulates data communicated by connecting to the employer terminal 1000 and the financial sector server 2000, respectively, into the god packet frame 7000 according to the corresponding control signal of the balance server centralized control unit 3200 (3300; may be included.

The financial balance management server 3000 downloads the latest version of the Give and Take app when there is a request from the employer terminal 1000 and the employee terminal 4000, which are connected by the corresponding control signal of the balance server centralized control unit 3200. Provided, installed and monitored to operate, and if the give and take app is installed and operating, it is updated to the latest version, downloaded, installed, and operated, a give and take app server management unit 3400 that controls and monitors; The total payable bank balance is received from the financial sector server 2000 according to the corresponding control signal of the balance server centralized control unit 3200, records and manages, and one or more employee terminals 4000 designated by the employer terminal 1000. Records and manages each hourly bank balance payment limit and daily bank balance payment limit, respectively, and if there is a request for bank balance payment in a specific employee terminal 4000 at the request of the employer terminal 1000, total payment is possible A bank balance supply and demand management unit 3500 for controlling and monitoring the deduction from the bank balance, sequentially recording and managing the corresponding supply and demand results, and notifying the employer terminal 1000 and the financial sector server 2000, respectively; A cash transfer status recorder 3600 that records and manages the cash transfer request amount and daily cash transfer status information of each employee terminal 4000 notified from the financial sector server 2000 according to the corresponding control signal of the balance server centralized control unit 3200 ); may further include.

The financial sector server 2000 passes through the public transfer network 6000 according to a corresponding control signal to the employer terminal 1000 and the financial balance management server 3000, and is a multiple communication channel composed of one or more communication channels at the same time. a financial sector multi-channel communication unit 2100 that connects and simultaneously communicates data with each packet frame of the same content; It accesses the financial multi-channel communication unit 2100 and controls and monitors to select the data transmitted through the channel with the least transmission error among the data received through the multiple communication channels, or to select the data transmitted through the designated channel, and the employer terminal ( 1000), the transfer target amount is received, converted into a bank balance, and notified to the financial balance management server 3000. When a cash payment request is received for the bank balance held by the employee terminal 4000 The bank balance information recorded and managed by the phone number of Control and monitor to transfer cash to the phone number financial passbook of the employee terminal 4000 within the daily transfer limit amount range specified by the employer terminal 1000 only in the case of, and correspond to each functional unit provided in the financial industry server 2000 Financial sector server centralized control unit 2200 for monitoring and outputting control signals, respectively; God packet frame that modulates and demodulates data communicated by connecting to the employer terminal 1000 and the financial balance management server 3000, respectively, into the God packet frame 7000 according to the corresponding control signal of the financial server centralized control unit 2200. Financial modulation and demodulation unit (2300); may include.

The financial sector server 2000 records and manages the cash deposited by the employer terminal 1000 according to the corresponding control signal of the financial sector server centralized control unit 2200, converts it into a bank balance, records and manages the bank balance, and converts the converted bank balance into the finance a cash bank balance conversion unit 2400 that controls and monitors to notify the balance management server 3000; The amount of cash deposited by the employer terminal 1000 according to the corresponding control signal of the financial server centralized control unit 2200, the bank balance paid by the financial balance management server 3000 to each employee terminal 4000, and each employee A cash bank balance supply and demand detail unit 2500 that records and manages the bank balance requested by the terminal 4000 to be converted into cash and the amount of cash transferred to each employee terminal 4000 with the corresponding time information; may further include.

In order to achieve the above object, the method of operating a system for automatic transfer of predetermined cash per unit time to close acquaintances of contacts recorded on a mobile terminal of the present invention, devised to achieve the above object, is an employer terminal, a financial server, a financial balance management server, an employee terminal, and a mobile communication system. In a method of operating a system for automatic transfer of predetermined cash per unit time to a close acquaintance of a contact recorded in a mobile terminal including a server and a transfer public communication network, a corresponding command signal for starting loyalty management of an employee terminal by the employer terminal is input If it is determined, download the Give & Take app from the financial balance management server, install and operate it, request a location-based service from the mobile communication system server, deposit cash in the financial sector server, request conversion to a bank balance, and set the daily transfer cash limit A first step of setting the input; a second step of converting and recording the cash deposit confirmed by the financial server server into a bank balance of the requested unit, and notifying the converted bank balance value to the financial balance management server; Register each phone number for one or more multiple employee terminals in the financial balance management server by the employer terminal, input and set bank balance payment limits for each hour and daily unit, and pay the bank balance to each employee terminal a third step of notifying time information; a fourth step of notifying, by the financial balance management server, the bank balance payment status to the employer terminal, the financial sector server, and each corresponding employee terminal, and confirming whether a cash transfer request signal is input from the employee terminal; may include.

When the financial balance management server determines that a cash transfer request signal is input from the employee terminal, the financial server is notified and cash is transferred to the account corresponding to the phone number of the employee terminal within the daily cash transfer limit set by the financial institution server. a fifth step of repeatedly transferring money in one unit until the bank balance is exhausted and all the cash equivalent to the remaining bank balance is transferred; a sixth step of notifying the employer terminal and the financial balance management server of the cash transfer and bank balance exhaustion status by the financial server server; may further include.

When it is determined that a signal for requesting status information is input after a period of daily, weekly, monthly, or year is designated by the employer terminal, the financial sector server or financial balance management server receiving the request signal receives the cash transferred in units of the designated period A seventh step of sequentially displaying and notifying the current status of the bank balance received and supplied; may further include.

The present invention of the above configuration pays a fixed amount of time to children, acquaintances, employees, etc., who are frequently looked after by the person or their parents in the vicinity, and pays it through a specific management company, and the amount set per day is exceeded. It has the advantage of fundamentally preventing the occurrence of financial accidents because it is limited to not paying.

On the other hand, the present invention uses the precise location tracking function of the mobile communication terminal possessed by each individual, and objectively and fairly pays expenses or allowances in cash to employees, children, acquaintances, etc. located around the person for work or filial piety. It has the advantage of promoting loyalty and filial piety at work.

1 is a functional configuration diagram of a child pocket money management system using a terminal according to an embodiment of the prior art;
2 is a block diagram of a system for automatic transfer of predetermined cash per unit time to a close acquaintance of a contact recorded in a mobile terminal according to an embodiment of the present invention;
3 is a detailed functional configuration diagram of an employer terminal according to an embodiment of the present invention;
4 is a detailed functional configuration diagram of a financial sector server according to an embodiment of the present invention;
5 is a detailed functional configuration diagram of a financial balance management server according to an embodiment of the present invention;
6 is a configuration diagram of a data area field of a god packet frame according to an embodiment of the present invention;
7 is a flowchart illustrating an operation method of an automatic transfer system for predetermined cash per unit time to a close acquaintance of a contact recorded in a mobile terminal according to an embodiment of the present invention;
and
8 is a diagram illustrating a result management ledger of bank balance transfer per unit time using a mobile terminal according to an embodiment of the present invention.

Since the present invention can apply various transformations and can have various embodiments, specific embodiments are illustrated in the drawings and described in detail in the detailed description. However, this is not intended to limit the present invention to specific embodiments, and it should be understood to include all modifications, equivalents and substitutes included in the spirit and scope of the present invention. In describing the present invention, if it is determined that a detailed description of a related known technology may obscure the gist of the present invention, the detailed description thereof will be omitted.

2 is a block diagram of a system for automatic transfer of predetermined cash per unit time to close acquaintances of contacts recorded on a mobile terminal according to an embodiment of the present invention, and FIG. 3 is a detailed function of an employer terminal according to an embodiment of the present invention. 4 is a detailed functional configuration diagram of a financial sector server according to an embodiment of the present invention, FIG. 5 is a detailed functional configuration diagram of a financial balance management server according to an embodiment of the present invention, and FIG. 6 is this A configuration diagram of a data area field of a god packet frame according to an embodiment of the present invention.

Hereinafter, with reference to all the accompanying drawings, the automatic transfer system 900 for a predetermined amount of cash per unit time to close acquaintances of the contact information recorded on the mobile terminal will be described in detail. 3000) and the employee terminal 4000, the mobile communication system server 5000 and the transfer public communication network (6000).

The employer terminal 1000 is provided by requesting a location-based service (LBS) from the mobile communication system server 5000 and is located in a designated area by the installation and operation of the Give and Take app while using the Internet banking service of the financial server 2000. It is set by inputting that the bank balance corresponding to the amount determined in units of time is respectively transferred to one or more specified counterparties or the employee terminal 4000, and the amount limited in units of days is withdrawn, respectively.

The total amount provided by the employer terminal 1000 without limitation for transfer and the bank balance corresponding to the amount determined by the hourly unit are respectively transferred to each employee terminal 4000, and the limited amount per day is set to be withdrawn, respectively. The information is recorded, managed and set in the same manner in the financial sector server 2000 and the financial balance management server 3000, respectively, and the payment guarantee of the amount to be provided to each employee terminal 4000 is the financial sector server 2000 and the financial balance management server Any one selected from among (3000) or any one or more selected from among them is guaranteed for payment.

The employer terminal 1000 is an LBS unit 1100, an employment terminal control unit 1200, a god packet frame modulation/demodulation unit 1300, a give and take app unit 1400, a multi-channel communication unit 1500 and a GPS unit 1600 and positioning It has a configuration including an average operation unit 1700 , motion sickness input/output unit 1800 , and a voice-text conversion unit 1900 .

It is a technical aspect of the present invention to ensure that cash of a predetermined amount (pocket money, salary, contract amount) is paid on an hourly basis only to acquaintances (B, employee terminal 4000) recorded in the phone book (contact information, phonebook) of the employer terminal 1000 one of the ideas

In addition, even if the employer terminal 1000 deposits a large amount of money into the financial balance management server 3000 at one time, the recipient (employee terminal, 4000) receives a daily limited amount (the limit amount is designated by the employer terminal 1000) ) will be transferred or deposited. Here, the employer terminal 1000 is 'A', and the employee terminal 4000 is 'B'.

The LBS unit 1100 is connected to the mobile communication system server 5000 to receive LBS positioning information of a location-based service (LBS). The location-based service (LBS) will be described again in detail below.

The employment terminal control unit 1200 accesses the LBS unit 1100 and analyzes the positioning information for one or more of the plurality of employee terminals 4000 to determine whether each is located within the designated area, and if it is confirmed that it is located within the designated area, the designated bank It requests the financial balance management server 3000 so that the balance is paid in units of time, and outputs and monitors corresponding control signals to each functional unit provided in the employer terminal 1000, respectively. A more specific operation method of the employment terminal control unit 1200 will be supplemented and described again in detail if necessary below.

The god packet frame modulation/demodulation unit 1300 modulates the communication data to the god packet frame 7000 by accessing each of the financial sector server 3000 and the financial balance management server 3000 according to the corresponding control signal of the employment terminal control unit 1200, or or demodulate.

The give and take app unit 1400 wirelessly downloads the latest version of the give and take app from the financial balance management server 3000 according to the corresponding control signal of the employment terminal control unit 1200, and installs and operates it.

The multi-channel communication unit 1500 is simultaneously connected to the financial sector server 2000 and the financial balance management server 3000 by the corresponding control signal of the employment terminal control unit 1200 through multiple communication channels composed of one or more communication channels, and each Simultaneous data communication is performed using God packet frames with the same content. The multi-channel communication unit 1500 includes both a CDMA mobile communication unit, a Wi-Fi mobile communication unit, a Bluetooth mobile communication unit, and a TRS mobile communication unit, and simultaneously transmits and receives the same signal by active operation.

The GPS unit 1600 receives the GPS signal broadcast from the GPS satellite according to the corresponding control signal of the employment terminal control unit 1200, and analyzes and outputs the GPS positioning information including the coordinate information of the current location. GPS positioning information includes coordinate information by latitude and longitude at the current location, elevation, angular velocity, movement direction, and time information.

The positioning average operation unit 1700 inputs the corresponding positioning information of the LBS unit 1100 and the GPS unit 1600 according to the corresponding control signal of the employment terminal control unit 1200, and outputs the average positioning information by arithmetic average operation. The employment terminal control unit 1200 selects any one of the positioning information measured by the LBS unit 1100 and the positioning information measured by the GPS unit 1600 and the positioning information calculated by the arithmetic average operation in the positioning average calculation unit 1700 to position can be used as information. It is very preferable to select the positioning information calculated by the arithmetic average operation in the positioning average calculation unit 1700 by the employment terminal control unit 1200 and control or set it to be used as the positioning information in order to improve accuracy and secure reliability.

The motion sickness input/output unit 1800 is configured to input and output audio-level and video-level signals according to the corresponding control signals of the employment terminal control unit 1200, and to input external signals by touch. A plurality of media is called multimedia, and when multimedia is abbreviated as motion sickness, the multimedia input unit and output unit will be described as motion sickness input/output units.

The voice-to-text conversion unit 1900 converts the audio-grade voice signal input from the motion sickness input/output unit 1800 into a text signal according to the corresponding control signal of the employment terminal control unit 1200 and converts the text signal into an audio-grade voice signal. and output to the motion sickness input/output unit 1800 .

The voice-to-text conversion unit 1900 includes a TS unit 1910 and an ST unit 1920 .

The TS unit 1910 converts a character signal composed of text into an audio-level voice signal according to a corresponding control signal of the employment terminal control unit 1200 and outputs it.

The ST unit 1920 converts the audio-level voice signal into a text signal according to the corresponding control signal of the employment terminal control unit 1200 and outputs it.

The financial server 2000 is connected via the employer terminal 1000 and the public transfer network 6000, and upon request, provides the Internet banking service to the employer terminal 1000, receives the specified amount and converts the bank balance to the designated account. Records are managed, and when a specific counterparty or a specific employee terminal 4000 requests a transfer payment by converting the bank balance into cash, the account transfer is processed within a limited amount per day.

The financial sector server 2000 includes a financial sector multi-channel communication unit 2100, a financial sector server centralized control unit 2200, a god packet frame financial transformation and demodulation unit 2300, a cash bank balance conversion unit 2400, and a cash bank balance supply and demand detail unit 2500. configuration that includes

The financial sector multi-channel communication unit 2100 passes through the transfer public communication network 6000 according to a corresponding control signal to the employer terminal 1000 and the financial balance management server 3000, and is a multiple communication channel composed of one or more communication channels at the same time. Connect and communicate data simultaneously with each God packet frame with the same content.

The financial sector multi-channel communication unit 2100 is equipped with both a CDMA mobile communication unit, a Wi-Fi mobile communication unit, a Bluetooth mobile communication unit, and a TRS mobile communication unit, and simultaneously transmits and receives the same signal by active operation.

The financial sector server centralized control unit 2200 accesses the financial sector multi-channel communication unit 2100 and controls to select data transmitted through a channel having the least transmission error among data received through multiple communication channels or to select data transmitted through a designated channel and, monitor and receive the transfer target amount at the request of the employer's terminal (1000), convert it into a bank balance, notify the financial balance management server (3000), and receive a request for cash payment for the bank balance held from the employee terminal (4000) The bank balance information recorded and managed by the phone number of (4000), the corresponding bank balance information recorded and managed by the employer terminal 1000, and the corresponding bank balance information recorded and managed by the financial balance management server 3000 are requested, compared, and matched Control and monitor to transfer cash to the phone number financial passbook of the employee terminal 4000 within the daily transfer limit amount range specified by the employer terminal 1000 only when Each signal is output and monitored.

God packet frame financial modulation and demodulation unit 2300 is connected to each of the employer terminal 1000 and the financial balance management server 3000 by the corresponding control signal of the financial sector server centralized control unit 2200 to connect and communicate data to the god packet frame (7000) is modulated and demodulated with

The cash bank balance conversion unit 2400 records and manages the cash deposited by the employer terminal 1000 according to the corresponding control signal of the financial server centralized control unit 2200, converts it into a bank balance, records management, and converts the converted bank balance into a financial balance Control and monitor to notify the management server (3000).

The cash bank balance supply and demand detail unit 2500 is the amount of cash deposited by the employer terminal 1000 and the financial balance management server 3000 in each employee terminal 4000 according to the corresponding control signal of the financial server centralized control unit 2200. The bank balance paid, each employee terminal 4000 converts to cash, and the bank balance requested for payment and the amount of cash transferred to each employee terminal 4000 are linked with the time information to record and manage.

The financial balance management server 3000 connects via the financial sector server 2000 and the public transfer network 6000, receives a notification of the bank balance, and connects to the other party designated by the employer terminal 1000 connected via the public transfer network 6000. The designated bank balance is paid hourly, the payment result is notified to the employer terminal 1000 and the financial server 2000, respectively, and the latest version of the Give and Take app is recorded and managed, and provided upon request.

The financial balance management server 3000 includes a server multi-channel communication unit 3100, a balance server centralized control unit 3200, a god packet frame modulation/demodulation unit 3300 and a give and take app server management unit 3400 and a bank balance supply and demand management unit 3500 and It is a configuration including a cash transfer status record book (3600).

The server multi-channel communication unit 3100 is connected to the employer terminal 1000 and the financial sector server 2000 via the transfer public communication network 6000 according to the corresponding control signal and simultaneously connects to multiple communication channels consisting of one or more communication channels. Simultaneous data communication is performed with each God packet frame of the same content.

The server multi-channel communication unit 3100 includes both a CDMA mobile communication unit, a Wi-Fi mobile communication unit, a Bluetooth mobile communication unit, and a TRS mobile communication unit, and simultaneously transmits and receives the same signal by active operation.

The balance server centralized control unit 3200 accesses the server multi-channel communication unit 3100 and controls to select the data transmitted through the channel having the least transmission error among the data received through the multiple communication channels, or to select the data transmitted through the designated channel and monitor the one or more employee terminals 4000 at the request of the employer terminal 1000 within the confirmed set limits of the bank balance to be paid per hour and the bank balance to be paid per day for each of the employee terminals 4000 ), notifies the fact of payment of the bank balance to the telephone number of the employer and notifies the employer terminal 1000 and the financial server 2000 as data, and outputs and monitors the corresponding control signals to each functional unit provided in the financial balance management server 3000, respectively do.

The god packet frame modulation and demodulation unit 3300 modulates and demodulates the communication data by connecting to the employer terminal 1000 and the financial sector server 2000, respectively, according to the corresponding control signal of the balance server centralized control unit 3200, to the god packet frame 7000. do.

The give and take app server management unit 3400 downloads the latest version of the give and take app when there is a request from the employer terminal 1000 and the employee terminal 4000 connected by the corresponding control signal of the balance server centralized control unit 3200. It provides, installs, and monitors to operate, and if the Give and Take app is installed and operating, it is updated to the latest version, downloaded, installed, and operated.

The bank balance supply and demand management unit 3500 receives, records and manages the total payable bank balance from the financial industry server 2000 according to the corresponding control signal of the balance server centralized control unit 3200, and one or more employees designated by the employer terminal 1000 Each hourly bank balance payment limit and daily bank balance payment limit for the terminal 4000 are recorded and managed, respectively, and at the request of the employer terminal 1000, the bank balance payment request corresponding to the specified time in the specific employee terminal 4000 is requested. If there is, it is deducted from the total payable bank balance, the corresponding supply and demand results are sequentially recorded and managed, and the employer terminal 1000 and the financial industry server 2000 are controlled and monitored to be notified respectively.

The cash transfer status recording unit 3600 records and manages the cash transfer request amount and daily cash transfer status information of each employee terminal 4000 notified from the financial server 2000 by the corresponding control signal of the balance server centralized control unit 3200. .

The employee terminal 4000 is located in the area designated by the employer terminal 1000, requests and installs the Give and Take app, and records and stores the bank balance per unit time paid by the financial balance management server 3000 in the phone number account. It accesses the financial server 2000 and requests an account transfer in cash.

The employer terminal 1000 and the employee terminal 4000 will be explained and understood as including a mobile communication terminal, a smart phone, a data terminal, a laptop PC, a notebook computer, and a PC, respectively.

The mobile communication system server 5000 arranges and installs one or more base stations (BSs) forming a certain service area at uniform intervals throughout the country to form a service area across the country, and joins one or more mobile terminals to move It provides a service that communicates while doing so, and it is generally operated in the CDMA mobile communication method, and is also operated in the W-CDMA mobile communication method.

The public transfer communication network 6000 is operated in a CDMA mobile communication method or W-CDMA mobile method, and operates in a CDMA mobile communication network and Wi-Fi mobile method that sets its own communication path by the corresponding switching, and sets its own communication path by the corresponding switching It operates in a Wi-Fi mobile communication network and BT (bluetooth) mobile method that operates in a mobile communication method, and operates in a Bluetooth mobile communication network and TRS mobile method that sets its own communication path with the corresponding switching, and sets its own communication path by the corresponding switching. Equipped with all mobile communication networks and operated in an active state at the same time, each communication path is set and connected by switching, and communication signals are transmitted/received with the designated counterpart, respectively.

The god packet frame 7000 has a total size of 310 words, and a third person or a third party who does not know the format divided into each data area field and the bit size of the data allocated to each area can use the information recorded therein. Since it cannot be read, corrupted, altered, abused, or hacked, it has the advantage of safeguarding the recorded information. On the other hand, when each word consists of 9 bytes and each byte consists of 9 bits, it is almost impossible for others or third parties who do not know this combination to decipher the information recorded therein. can be said to be close to Therefore, the ratio of the digital word, byte, and bit of the present invention will be applied as described above.

The god packet frame 7000 includes an overhead data area field 7100, a first financial data area field 7200, a second financial data area field 7300, a first bank balance data area field 7400, and a second bank. It consists of a balance data area field 7500 , a preliminary data area field 7600 , a check data area field 7700 , and an end head data area field 7800 .

The function of recording information in the god packet frame 7000 or extracting the recorded information will be described and understood as being processed by each corresponding packet frame modulation/demodulation unit.

The overhead data area field 7100 is made up of 20 words, and the start position where recording of the data constituting the packet frame starts, the transmission destination, the transmission time, the generation coordinate information, and the total data by bits The size and serial number information of the connected multiple tiles and packet frames are included and recorded.

The first financial sector data area field 7200 is composed of 50 words, and remittance and transfer financial information data transmitted to the financial sector server are recorded.

The second financial sector data field field 7300 consists of 50 words, and the remittance and transfer financial information data recorded in the first financial sector field 5200 is repeatedly recorded.

The first bank balance data area field 7400 consists of 50 words, and the bank balance supply and demand result data transmitted to the financial balance management server is recorded.

The second bank balance data area field 7500 consists of 50 words, and the bank balance supply and demand result data recorded in the first bank balance data area field 5400 is repeatedly recorded.

The preliminary data area field 7600 consists of 50 words and designated data is recorded.

The check data area field 7700 consists of 20 words. If it is determined that an error is included by analyzing the entire recorded data, the cyclic redundancy check (CRC) method and the Hamming code method are sequentially and repeatedly operated to duplicate the error. Detect and duplicate recovery process to increase reliability.

The end head data area field 7800 is made up of 20 words and is recorded including error detection and recovery, retransmission request status, data generator information, frame end position, transmission route information, and frame serial number information.

All parents are happy to see their children, grandchildren, acquaintances, etc. happy by giving allowances to their children, grandchildren, acquaintances, etc. You have a willingness to reward yourself.

On the other hand, parents want to give pocket money to their children, grandchildren, acquaintances, etc., but cannot give it because they cannot meet or see each other. It can be a difficult problem for

In addition, financial accidents such as voice phishing targeting parents' cash or financial crimes forcibly withdrawing and stealing cash occur, so it is necessary to solve these problems.

It is one of the technical ideas of the present invention to solve all these needs and problems.

A location based service (LBS) is one of the services provided by a mobile communication system.

In a mobile communication system, a plurality of base stations (BS) are uniformly arranged at regular intervals throughout the country, and each base station provides real-time communication services by wireless connection with mobile terminals located within a service area of a certain radius. It moves freely and communicates with the connected counterpart in real time. At this time, if the mobile terminal deviates from the service radius (area) of a specific base station, it notifies the base station adjacent to the direction in which the mobile terminal is moving and controls and monitors to allocate a communication channel. has the characteristic to be Here, since each base station is installed and operated at a fixed specific location, the corresponding location information is very accurate, and the location of each mobile terminal is determined by triangulation. Accordingly, the mobile communication system has an operational characteristic in that the current position and moving direction of each subscribed mobile terminal must be relatively accurately grasped or positioned in real time.

As described above, the positioning technology for accurately grasping the current location of the mobile terminal in real time by the mobile communication system is referred to as a location based service (LBS), and is specially provided upon a separate request.

7 is a flowchart illustrating a method of operating a system for automatic transfer of predetermined cash per unit time to close acquaintances of contact information recorded on a portable terminal according to an embodiment of the present invention, and FIG. 8 is a portable terminal according to an embodiment of the present invention. It is a city diagram of the result management ledger of bank balance transfer per unit time using the terminal.

Hereinafter, with reference to all the accompanying drawings, a method of operating a system for automatically transferring a predetermined amount of cash per unit time to a close acquaintance of the contact information recorded in the portable terminal will be described in detail.

Short-distance of contacts recorded in mobile terminals including employer terminal 1000, financial sector server 2000, financial balance management server 3000, employee terminal 4000, mobile communication system server 5000, and transfer public communication network 6000 In the method of operating the system 900 for automatic transfer of predetermined cash per unit time to an acquaintance, it is checked whether a corresponding command signal for starting loyalty management of the employee terminal is input by the employer terminal (S110).

Download, install, and operate the Give & Take app from the financial balance management server by the employer's terminal, request a location-based service (LBS) from the mobile communication system server, deposit a certain amount of cash in the financial sector server, and request conversion to the bank balance. Since the limit of cash transferred per day is input set (S120), the first step is performed.

The cash deposit confirmed by the financial server server is converted and recorded into the bank balance of the requested unit, and the value of the converted bank balance is notified to the financial balance management server (S130), so that the second step is performed.

Register each phone number for one or more multiple employee terminals in the financial balance management server by the employer's terminal (S140), input and set the limit at which the bank balance is paid per hour and per day for each employee terminal, respectively, and set each Since the employee terminal is notified of the time information to pay the bank balance (S150), the third step is performed.

The financial balance management server notifies the employer terminal, the financial sector server, and each employee terminal of the bank balance payment status (S160), and checks whether a cash transfer request signal is input from a specific employee terminal (S170), so the fourth step is performed. .

When it is determined by the financial balance management server that a cash transfer request signal is input from a specific employee terminal (S170), the financial server is notified and an account corresponding to the phone number of the employee terminal within the daily cash transfer limit set by the financial server. The fifth step is performed because the transfer is repeated in one unit until the corresponding bank balance is exhausted and all the cash corresponding to the remaining bank balance is transferred (S180).

Since the state of cash transfer and bank balance exhaustion by the financial sector server is notified to the employer terminal and the financial balance management server, respectively (S190), the sixth step is performed.

When it is determined that a signal for requesting status information is input because the period of daily, weekly, monthly, and year is designated by the employer terminal (S200), the financial sector server or financial balance management server that has received this request signal is transferred in units of the designated period Since the status of the received cash and the received bank balance is sequentially displayed by date and notified (S210), the seventh step is performed.

According to the above configuration, a fixed amount is paid per hour to children, relatives, acquaintances, employees, etc., whom parents frequently take care of in the vicinity, but pays in the give and take (GAT) method, and pays the bank through a specific management company. It is effective in preventing the occurrence of financial accidents at the source because it is paid with the balance and is not paid in excess of the set amount on a daily basis. On the other hand, by using the location tracking function of the mobile communication terminal possessed by each individual, and paying pocket money or expenses objectively and fairly to children, relatives, acquaintances, etc., It has a stimulating effect.

Although the present invention has been described in detail with respect to the described embodiments, it is obvious to those skilled in the art that various changes and modifications are possible within the scope of the technical spirit of the present invention, and it is natural that such variations and modifications belong to the appended claims.

900: automatic transfer system of predetermined cash per unit time to close acquaintances of the contact information recorded in the mobile terminal
1000: employer terminal 1100: LBS unit
1200: employment terminal control unit 1300: god packet frame financial modulation and demodulation unit
1400: Give and take app unit 1500: Multi-channel communication unit
1600: GPS unit 1700: Positioning average operation unit
1800: motion sickness input/exit unit 1900: voice-to-text conversion unit
1910: TTS unit 1920: EST division
2000: Financial sector server 2100: Financial sector multi-channel communication department
2200: financial server centralized control unit 2300: god packet frame financial modulation and demodulation unit
2400: cash bank balance conversion unit 2500: cash bank balance supply and demand history unit
3000: financial balance management server 3100: server multi-channel communication unit
3200: balance server centralized control unit 3300: god packet frame modulation and demodulation unit
3400: Give and take app server management unit 3500: Bank balance supply and demand management unit
3600: cash transfer status record book 4000: employee terminal
5000: mobile communication system server 6000: public transfer network
7000: god packet frame 7100: overhead data area field
7200: first financial sector data area field
7300: second financial sector data area field
7400: first bank balance data area field
7500: second bank balance data area field
7600: preliminary data area field 7700: check data area field
7800: end head data area field

Claims (5)

While receiving location-based service from the mobile communication system server 5000 and using the Internet banking service of the financial sector server 2000, it is determined by time Employer terminal 1000 for setting each amount to be transferred and a limited amount per day to be withdrawn, respectively;
It accesses the employer terminal 1000 and the public transfer network 6000 via the transfer network 6000, provides internet banking service upon request, receives the specified amount, records and manages the bank balance converted into the specified account, and a specific counterpart converts the bank balance into cash. When a payment request is made, the financial sector server 2000 processes an account transfer within a limited amount per day;
The financial sector server 2000 is connected via the public transfer network 6000, and the bank balance is notified, and the bank balance specified in the other party designated by the employer terminal 1000 connected via the transfer public network 6000 is measured in units of time. a financial balance management server 3000, which notifies the employer terminal 1000 and the financial server 2000 of the payment result, records and manages the latest version of the Give and Take app, and provides upon request;
The employer terminal 1000 is located in the designated area, requests and installs and operates the Give and Take app, and records and stores the bank balance per unit time paid by the financial balance management server 3000 in a phone number account, and the financial server ( 2000) accessing the employee terminal 4000 to request a cash transfer; A system for automatically transferring a predetermined amount of money per unit time to close acquaintances of the contacts recorded on the mobile terminal, including a.
The method of claim 1,
The employer terminal 1000 is
an LBS unit 1100 connected to the mobile communication system server 5000 to receive LBS positioning information of a location-based service;
Accesses the LBS unit 1100 and analyzes the positioning information for one or more of the plurality of employee terminals 4000 to determine whether each is located in a designated area, and if it is confirmed that they are located in the designated area, the designated bank balance is paid in units of time an employment terminal control unit 1200 for requesting the financial balance management server 3000 and outputting a corresponding control signal to each functional unit provided in the employer terminal 1000, respectively, and monitoring;
God packet frame modulation and demodulation for modulating and demodulating data to be communicated by connecting to the financial sector server 3000 and the financial balance management server 3000, respectively, into the god packet frame 7000 according to the corresponding control signal of the employment terminal control unit 1200 part 1300;
Give and take app unit 1400 for downloading and installing the latest version of the give and take app from the financial balance management server 3000 according to the corresponding control signal of the employment terminal control unit 1200;
According to the corresponding control signal of the employment terminal control unit 1200, the financial sector server 2000 and the financial balance management server 3000 are simultaneously connected to each other through multiple communication channels comprising one or more communication channels, and each God packet of the same content a multi-channel communication unit 1500 for simultaneous data communication in frames;
A GPS unit 1600 for receiving a GPS signal from a GPS satellite according to the corresponding control signal of the employment terminal control unit 1200 and outputting GPS positioning information including coordinate information of the current location through differential GPS method analysis;
Positioning average operation unit 1700 that inputs the corresponding positioning information of the LBS unit 1100 and the GPS unit 1600 according to the corresponding control signal of the employment terminal control unit 1200 and outputs the average positioning information by arithmetic average operation (1700) ;
Motion sickness input/output unit 1800 for inputting and outputting audio-level and video-level signals according to the corresponding control signals of the employment terminal control unit 1200, and for inputting external signals by touch;
According to the corresponding control signal of the employment terminal control unit 1200, the audio-grade voice signal input from the motion sickness input/output unit 1800 is converted into a text signal and the text signal is converted into an audio-grade voice signal, and the motion sickness input/output unit ( 1800) a voice-to-text conversion unit 1900 for outputting; A predetermined cash automatic transfer system per unit time to close acquaintances of the contacts recorded on the mobile terminal further comprising a.
The method according to any one of claims 1 to 2,
The financial balance management server 3000 is
The employer terminal 1000 and the financial sector server 2000 via the transfer public communication network 6000 according to the corresponding control signal and simultaneously access each of the multiple communication channels composed of one or more communication channels, and each have the same God packet frame. a server multi-channel communication unit 3100 for simultaneous data communication with each;
It accesses the server multi-channel communication unit 3100 and controls and monitors to select data transmitted through the channel with the least transmission error among data received through multiple communication channels or data transmitted through a designated channel, and control and monitor one or more Bank to the phone number of the employee terminal 4000 at the request of the employer terminal 1000 within the confirmed set limits of the bank balance to be paid per hour and the bank balance to be paid per day for the employee terminal 4000 The balance server notifies the fact of the balance payment, notifies the employer terminal 1000 and the financial server 2000 as data, and outputs and monitors the corresponding control signal to each functional unit provided in the financial balance management server 3000, respectively. control unit 3200;
God packet frame modulation and demodulation unit that modulates and demodulates data communicated by connecting to the employer terminal 1000 and the financial sector server 2000, respectively, into the god packet frame 7000 according to the corresponding control signal of the balance server centralized control unit 3200 (3300;
If there is a request from the employer terminal 1000 and the employee terminal 4000, which are connected by the corresponding control signal of the balance server centralized control unit 3200, the latest version of the Give and Take app is downloaded, provided, installed, and monitored to operate. Give and take app server management unit (3400) for controlling and monitoring so that if the give and take app is installed and operated, updated to the latest version, downloaded, installed and operated;
The total payable bank balance is received from the financial sector server 2000 according to the corresponding control signal of the balance server centralized control unit 3200, records and manages, and one or more employee terminals 4000 designated by the employer terminal 1000. Records and manages each hourly bank balance payment limit and daily bank balance payment limit, respectively, and if there is a request for bank balance payment in a specific employee terminal 4000 at the request of the employer terminal 1000, total payment is possible A bank balance supply and demand management unit 3500 for controlling and monitoring the deduction from the bank balance, sequentially recording and managing the corresponding supply and demand results, and notifying the employer terminal 1000 and the financial sector server 2000, respectively;
A cash transfer status recorder 3600 that records and manages the cash transfer request amount and daily cash transfer status information of each employee terminal 4000 notified from the financial sector server 2000 according to the corresponding control signal of the balance server centralized control unit 3200 ); A predetermined cash automatic transfer system per unit time to close acquaintances of the contacts recorded on the mobile terminal further comprising a.
The method according to any one of claims 1 to 2,
The financial server 2000 is
The employer terminal 1000 and the financial balance management server 3000 are simultaneously connected via the transfer public communication network 6000 according to the corresponding control signal to multiple communication channels composed of one or more communication channels, and each Financial sector multi-channel communication unit 2100 for simultaneous data communication in packet frames;
It accesses the financial multi-channel communication unit 2100 and controls and monitors to select the data transmitted through the channel with the least transmission error among the data received through the multiple communication channels, or to select the data transmitted through the designated channel, and the employer terminal ( 1000), the transfer target amount is received, converted into a bank balance, and notified to the financial balance management server 3000. When a cash payment request is received for the bank balance held by the employee terminal 4000 The bank balance information recorded and managed by the phone number of Control and monitor to transfer cash to the phone number financial passbook of the employee terminal 4000 within the daily transfer limit amount range specified by the employer terminal 1000 only in the case of, and correspond to each functional unit provided in the financial industry server 2000 a financial sector server centralized control unit 2200 for monitoring and outputting control signals, respectively;
God packet frame that modulates and demodulates data communicated by connecting to the employer terminal 1000 and the financial balance management server 3000, respectively, into the God packet frame 7000 according to the corresponding control signal of the financial server centralized control unit 2200. Financial modulation and demodulation unit (2300);
According to the corresponding control signal of the financial server centralized control unit 2200, the employer terminal 1000 records and manages the deposited cash, converts it into a bank balance, records and manages, and transfers the converted bank balance to the financial balance management server 3000. a cash bank balance conversion unit 2400 that controls and monitors to notify;
The amount of cash deposited by the employer terminal 1000 according to the corresponding control signal of the financial server centralized control unit 2200, the bank balance paid by the financial balance management server 3000 to each employee terminal 4000, and each employee A cash bank balance supply and demand detail unit 2500 that records and manages the bank balance requested by the terminal 4000 to be converted into cash and the amount of cash transferred to each employee terminal 4000 with the corresponding time information; A predetermined cash automatic transfer system per unit time to close acquaintances of the contacts recorded on the mobile terminal further comprising a.
In the method of operating a system for automatic transfer of predetermined cash per unit time to close acquaintances of contacts recorded in a mobile terminal including an employer terminal, a financial server, a financial balance management server, an employee terminal, a mobile communication system server, and a transfer public communication network,
When it is determined that the corresponding command signal to start loyalty management of the employee terminal is input by the employer terminal, the give and take app is downloaded from the financial balance management server, installed and operated, and a location-based service is requested from the mobile communication system server, a first step of depositing cash in the financial server server, requesting conversion to a bank balance, and inputting and setting a daily transfer cash limit;
a second step of converting and recording the cash deposit confirmed by the financial server server into a bank balance of the requested unit, and notifying the converted bank balance value to the financial balance management server;
Register each phone number for one or more multiple employee terminals in the financial balance management server by the employer terminal, input and set bank balance payment limits for each hour and daily unit, and pay the bank balance to each employee terminal a third step of notifying time information;
a fourth step of notifying, by the financial balance management server, the bank balance payment status to the employer terminal, the financial sector server, and each corresponding employee terminal, and confirming whether a cash transfer request signal is input from the employee terminal;
When the financial balance management server determines that a cash transfer request signal is input from the employee terminal, the financial server is notified and cash is transferred to the account corresponding to the phone number of the employee terminal within the daily cash transfer limit set by the financial institution server. a fifth step of repeatedly transferring money in one unit until the bank balance is exhausted and all the cash equivalent to the remaining bank balance is transferred;
a sixth step of notifying the employer terminal and the financial balance management server of the cash transfer and bank balance exhaustion status by the financial server server; A method of operating a system for automatic transfer of predetermined cash per unit time to close acquaintances of contacts recorded on a mobile terminal, including a.

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