KR20230034804A - Management system and operation method of dividend income donation fund of asset management company - Google Patents

Abstract

The present invention relates to a management system for donating a dividend income in the name of an investor and an operation method thereof which agree with a donation-type fund, transfer corresponding donation money to a donation target account through a server of an asset management company when making a deposit for donation of a dividend income, and record donation details in the account and a banknote of a corresponding donator to allow the donator to conveniently pay and manage the donation money and notify the donation details to a terminal of the national tax service so as to systematically and integrally manage the donation details of the donator such as receiving tax benefits for the donation money during year-end tax adjustment, etc., thereby promoting proper donation culture and expanding a donation will.

Description

Management system and operation method of dividend income donation fund of asset management company}

The present invention relates to a management system and operation method of a dividend income donation type fund, and relates to a method of operating a fund that donates dividend income invented to activate a fund culture of donating to charities.

This fund is a stock-type fund, and all dividend income generated during the stock investment management period is donated to charity, and in this case, the asset management company is a new type of donation-type fund that does not receive management fees. It is about a donation method and device in the donor's name. When depositing for donation, the donation is transferred to the account for donation through the asset management company's server, and the donation details are recorded in the donor's account and bankbook, so the donor can conveniently make a donation It aims to activate the donation culture by making it easy to make one's own donation details and notifying the National Tax Service of the donation to enjoy tax savings during the year-end settlement, enabling systematic and integrated management of donations.

Anyone is free to voluntarily provide donations to other people or organizations with the money contributed free of charge or without receiving a fair price. It is prohibited under the Donation Money and Goods Collection Prohibition Act. Donations are also a way to secure financial independence of the insufficient education finance.

Recently, donations are refunded in the tax settlement process to promote donation activities, but in the past, individual donation payment details are not managed in an integrated and systematic way. There is a problem of not being able to use it, and in some cases, there are problems with the management of donations, such as illegally issuing donation receipts for tax settlement.

Recently, donation culture has been activated, but due to the opacity of the collection and use of donations, there is still a stinging eye on charities, and designated donation organizations that operate with donation income are complaining of many difficulties.

Recently, a lot of donations were received from Jeongdaehyeop, which is helping comfort women, but it was rarely used for the grandmothers, and it became a big social problem due to real estate acquisition or embezzlement by the CEO. It often gives me a social shock.

From the donor's point of view, it is difficult to ascertain whether the collection and use of donations are appropriate in charities or designated donation organizations, so they may have doubts about the opacity of donation use, which has become an important cause of hindering the vitalization of donation culture.

Accordingly, in order to spread a healthy sharing and donation culture, a technology that can secure trust between donors and charities by expanding the transparency of the collection and use of donations is required.

In the past, if donors donated assets such as their own cash, stocks, real estate, etc., in the present invention, the need for a technology with enhanced transparency has emerged through a management system and operation method of a profit donation type fund of an asset management company.

Due to the recent spread of voluntary donation culture, products related to donations are being developed in the financial sector, such as banks. In response to a specific donation target, a donation account is opened to donate part or all of the deposit interest, and the operating profit of the donation account opened in response to the specific donation target is periodically checked to provide the confirmed profit and the contribution stored in the storage medium. Technology to compare information to determine whether automatic provision of contributions is possible, and if automatic provision of contributions is possible, calculate contributions to be provided to the specific donation target, and transfer the calculated contribution to the account of the specific donation target. has been

However, in this prior art, donations are made when the donor's voluntary consent meets the customer's intention, and the donation rate is set by the depositor, so customers who do not want to donate cannot collect donations, and accordingly There was also a problem in that the sale of the banking product was also restricted.

Embodiments of the present invention, as described above, are intended to secure trust between donors and supporters by securing transparency about usage details of donations in a management system and operation method of a dividend income donation type fund of an asset management company.

In the present invention, the above-mentioned prior art is different from collecting donations relying only on donors' contributions, and by subscribing to a profit donation type fund in which donors donate dividend profits, fund profits of asset management companies belong to donors and dividend profits belong to the donor. By making the donation in the name of the customer, only the dividends are donated in their name without spending their own money, so they can enjoy the pleasure of donation without incurring a financial burden for donation. has the effect of providing motivation for In the case of asset management companies, when customers sign up for the product, they can feel emotional satisfaction and happiness and obtain financial benefits, which has the effect of improving the sales rate of the product, and expanding and developing the donation culture by increasing the total donation amount. It aims to make it happen.

In addition, donations from dividend income are directly transferred to the account of the designated donation group in the name of the investor through the server of the asset management company and recorded in the bankbook linked to the dedicated donation account, so that donors can easily and systematically manage the details of the donation. By doing so, it is expected to have the effect of simultaneously increasing the willingness to donate and the satisfaction and happiness felt after assets.

In addition, another purpose is to improve the transparency of donation management because the details of donations of dividends generated by all fund management are transmitted through the server of the asset management company, and the above-mentioned donation payment details are submitted to the National Tax Service at the end of the year for tax settlement. Another object of the present invention is to allow donation details to be transmitted to a settlement system so that donating customers can conveniently use donation details for tax settlement without separate confirmation or procedures.

The feature of the present invention for achieving the above object is that the customer, who is an investor, is used, and a mobile device or computer equipped with an input / output means, memory, control unit, and display means is selectively used, and only donations can be deposited and deposited Data for opening an account dedicated to donations that is transferred to a designated donation target account or a fund account for donations to which an advance fee is donated is transmitted/received with the asset management company server 40, and after verification of authentication, the donation is transferred to the account dedicated to the donation online A customer terminal (20) that transfers or transfers investment money online to a donation fund account and transmits/receives data for checking donation or investment details, or a dedicated account for donation or donation fund at the request of a customer who has been provided in each branch and visited the store According to the request to open a donation-only account or a donation fund account transmitted from the account or the customer terminal 20, each customer opens a donation-only account or a donation fund account, and when opening a donation fund account, the advance fee is dedicated to the customer's donation It is in the investor's name donation device, characterized in that it is configured to include an asset management company server 40 for remittance to an account or a donation target account and a database 50 in which various data are recorded.

On the other hand, when opening an exclusive account for donations in the above, a bankbook associated with the exclusive account for donations is printed together so that customers can easily check donation details.

In addition, the device may further include a donation target group terminal 60 that receives donation deposit result data from the asset management company server to the donation target account and transmits donation proof data to the asset management company server 40.

Another feature of the present invention is a donation fund account opening process in which the asset management company server opens a donation fund account to which an advance fee is donated and records it in a database based on the customer personal information input from the branch terminal or customer terminal; When the investment is deposited into the donation fund account, a transfer process of transferring an advance fee corresponding to the donation fund account to a predetermined account to be donated in the name of the customer, that is, the investor. there is.

Prior to performing the donation fund account opening process, the bank server opens a donation-only account that can only be deposited by customer based on the customer personal information input from the branch terminal or customer terminal, records it in the database, and transfers it In the donation method in the name of the investor, the advance commission of the corresponding customer is transferred to the account dedicated to the donation or deposited in the name of the customer, that is, the investor, to a predetermined donation target account.

At the same time as opening an exclusive account for donations in the above, a bankbook exclusively for donations linked to the exclusive account for donations is created. In addition, when the donation is transferred to the donation target account through the asset management company server, the donation target terminal transmits a signal to confirm the donation deposit to the asset management company server, and the asset management company server transfers donation details data by donor to the National Tax Service terminal for tax settlement. send at the time

On the other hand, if there is an input of a list request signal for selection of recipients for donation from a customer terminal or a branch terminal after opening an account exclusively for donations or after opening an account exclusively for donations, the asset manager server transmits a donation target or a group of donation targets to the customer terminal or branch terminal. The list is displayed, and the donated person information, including the donated person or donated person group data and donation data, and the donation subject account information of the person to be donated are matched with the account dedicated to the donation and recorded, and the donation is made even after a predetermined time has elapsed If the recipient selection data is not input, the information of a predetermined donation recipient is automatically matched and recorded, and the donation is transferred to the donation target account of the donation recipient.

As described above, according to the present invention, when a customer subscribes to a fund product in which dividend income is donated, the asset management company donates the dividend income in the name of the fund subscriber, so in the case of the customer, the fund management profit belongs to the customer Even if the dividend income is donated in one's name, it is possible to enjoy the pleasure of donation without incurring a large financial burden, providing opportunities for voluntary participation in donations in the future, and in the case of asset management companies, customers can When signing up, the emotional happiness felt by the donor increases, which has the effect of increasing the sales of the corresponding product, and the satisfaction of the donor increases as the donation amount increases.

In addition, since the above-mentioned donations are deposited into an account dedicated to donations in the name of the investor and then transferred to the account of the person to be donated, customers can easily check their donation details as their donation details are managed in an integrated way, and cumbersome document issuance procedures for tax settlement, etc. Since is omitted, the convenience of donation is greatly improved, which has the effect of increasing donation activities.

Figure 1 - Representative diagram
Block diagram showing a donation device in the name of an investor according to the present invention

With reference to the accompanying drawings below, an implementation example of the present invention will be described in more detail.

As shown in FIG. 1, the donation device in the name of the investor of the present invention includes a customer terminal 20 used by a customer, a branch terminal 10, an asset management company terminal server 40, a database 50, and the National Tax Service system 30 And it consists of a donation terminal 60 used by the donation manager.

In the above, the customer terminal 20 is used by the customer, and a normal mobile device or computer equipped with input/output means, memory, control unit, and display means can be selectively used, and the customer accesses the asset management company server 40 It is used to open an account dedicated to donations and a fund account for donations, to transfer investment money online, or to check investment and donation details.

In addition, the donation organization terminal 60 is also selectively used from the same mobile device, computer, or server system as the customer terminal 20, and confirms the donation amount through linkage with the asset management company server 40, and for proof of donation It is used to transmit data, and is used by the donor who actually receives the donation or the person in charge of the fundraising organization.

The branch terminal 10 is provided in each branch and inputs data for opening a donation account and a donation fund account at the request of a customer visiting the branch, and prints a donation bankbook.

The asset management company server 40 processes data to open a donation-only account and a donation fund account for each customer according to the request for opening a donation-only account and a donation fund account from the branch terminal 10 and the customer terminal 20, and Each customer records donation fund account information, donation-only account information, and donation target account information, transfers the donation including the deposited advance fee to the donation target account, and transmits the result to the donation organization terminal (60) to provide proof of donation The data for the purpose is received from the base organization terminal 60, recorded, and transmitted to the customer terminal 20 and the National Tax Service system 30.

The database 50 records various data related to the donation method and device in the name of the investor of the present invention.

A method of donating in the name of an investor using the device as described above will be described below. Account Opening for Donation Based on the customer personal information entered from the branch terminal or customer terminal, the bank server opens a donation-only account that can only be deposited by each customer and records it in the database. create a passbook

At this time, the bank server receives and records customer information and authentication information for later donation details inquiry from a branch terminal or customer terminal. Specifically, in the case of an individual, personal information (name, resident registration number, address, phone number) In addition, the bank server receives authentication information (password, ID, etc.) for later donation inquiry from the customer terminal, matches it with donation account information, and records it in the database.

In the account dedicated to donations opened in this way, the advance fee of the fund, which will be described later, can be deposited as a donation, and when the customer wishes to donate, the amount for donation can be deposited at any time, and the deposit method can be any method currently used by the bank. Donations once deposited cannot be withdrawn, however, deposits can be canceled after certification is confirmed on the same day, but deposits of advance fees cannot be canceled, and donation details can be printed in the bankbook at any time through bankbook organization. becomes possible

Selection of recipients for donation and determination of donation amount After the process of opening an account exclusively for donations or the opening of an account exclusively for donations, the customer can directly select recipients and donations, and if the recipients and donations are not selected by the customer, the bank server automatically Any fund-raising organization recorded in is eligible for donation, and all of the deposited amount can be donated to that fund-raising organization.

Among them, in the case of selecting a donation target in the process of opening a donation account, the bank system presents a menu for selecting a donation target through the customer terminal or branch terminal so that the donation target data can be entered together in the process of entering customer personal information. For example, it is possible to output a list of each fundraising item for each fundraising organization that is currently fundraising, or to print a list of individual donation recipients so that one of them can be selected. Classified groups such as disabled, elderly, female/multicultural, and local communities may be suggested and selected.

When a person to be donated is selected through this process, the information on the person to be donated is matched with the account dedicated to donations and recorded on the bank server. The target account number is included. In addition, the IP address or phone number of the terminal to be donated is also recorded in order to notify the donation deposit details.

And, as described above, after the customer selects the donation target, the donation amount can be determined. The donation amount can be such that the entire amount of the donation dedicated account is transferred to the account of any donation target, and multiple donation targets In the case of selection, a ratio can be set so that each donation is made in accordance with the set ratio. It can also be transferred to the account of the fundraising organization.

In addition, the process of determining recipients and donations can be made even after opening an account exclusively for donations. To this end, an authentication procedure to identify a customer corresponding to an account dedicated to donations is first performed, Determine the donation amount.

Opening a fund account for donation

Based on the customer's personal information input from the branch terminal or customer terminal, the asset management company server opens a donation fund account and records it in a database, and in the process creates a donation fund account passbook linked to the donation fund account, It is matched with the account information dedicated to the donation and recorded in the database. As described above, when a fund account for donation is opened after an account dedicated to donations is opened, customers can use Internet banking, phone banking, mobile banking automatic transfer, over-the-counter deposit through branch office visits, automated machines, etc. The amount is deposited into the donation fund account.

When the investment is deposited into such a donation fund account, the asset manager server deposits the advance fee set in the corresponding investment fund account into the account dedicated to the customer's donation. In this way, the advance fee deposited into the donation-only account is recorded as a donation in the donation-only account, and at the same time, it is printed in the customer's donation-only bankbook.

transfer of donations

When the donation including the advance fee is deposited into the account dedicated to the donation, the asset manager server retrieves the donation target account and donation amount data corresponding to the donation dedicated account by searching the database, and transfers the donation amount to the donation organization account.

Check donation history

The customer accesses the asset management company server using the customer terminal, confirms authentication, and checks the accumulated donation details on the screen through the account inquiry dedicated to donations after authentication, and can print the donation details in paper or file if necessary. In addition, since the donation details are printed in the donation bankbook, the cumulative donation details can be checked through the organization of a dedicated bankbook for donations. In addition, such inquiries can be made by setting various conditions, such as by period, by customer, or by member.

year-end tax settlement

As described above, when the donation is transferred to the donation target account through the asset management company server, the donation organization terminal transmits a signal confirming the donation deposit to the asset management company server, and the asset management company server transfers donation details data by customer to the National Tax Service terminal at random. By transmitting at the right time, customers can use the donation details for year-end tax settlement without any extra effort.

An example of a fund product for implementing such a method of donation in the name of an investor is examined in Table 1 below.

<Table 1>

10: Branch terminal
20: customer terminal
30: IRS terminal
40: Asset management company terminal server
50: database
60: donation organization terminal

Claims (1)

Used by customers who are dividend income donation fund investors, and a mobile device or computer equipped with input/output means, memory, control and display means is selectively used, and only donations can be deposited, and all deposits are transferred to the designated donation target account, and donation details is printed as a bankbook and transmits and receives data for opening a donation-only account or a donation fund account to which an advance fee is donated so that customers can systematically and comprehensively manage their donation details with the asset management company server, and after verification of authentication, A customer terminal (20) for online transfer of donations to a donation-only account or an online transfer of investment money to a donation fund account and transmission and reception of data for confirmation of donation or investment details, or dedicated to donations at the request of customers visiting each branch A branch terminal that transmits/receives data for opening an account or donation fund account with the bank server. Based on the customer personal information input from the branch terminal or customer terminal, a donation-only account is opened for each customer, a donation-only bankbook linked to the donation-only account is created, recorded in the database, and input from the branch terminal or customer terminal Based on the customer's personal information, a donation fund account to which an advance fee is donated is opened, a donation fund account passbook linked to the donation fund account is created, matched with the donation account information of the customer, and recorded in the database. When the investment is deposited into the donation fund account, the advance fee from the donation fund account is transferred to the customer's donation-only account. Investor name donation device, characterized in that it comprises a database in which various data are recorded and an asset manager server that retrieves the donation target account and donation amount data to be donated and transfers the donation amount to the corresponding donation target account.
The investor name donation device further comprises a donation group terminal for receiving donation deposit result data from the asset management company server to the donation target account and transmitting data for proof of donation to the asset management company server 40. donation device.

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