KR20240005270A - Method and system for providing distributed deposit service and interest calculator within the limit of depositor insurance - Google Patents

Abstract

A method performed by a system server to provide distributed deposit services within depositor protection limits in various embodiments of the present disclosure is: providing information about a plurality of deposit products to a user device, and selecting a first deposit product among the plurality of deposit products. receiving a request to join; Receiving a deposit period for the first deposit product entered by the user through the user device and a request to confirm the deposit amount from a financial institution for the first deposit product; In response to receiving the request to confirm the pre-deposited amount, receiving personal financial information about the user of the user device and identifying the pre-deposited amount based on the personal financial information; calculating an expected interest based on the first deposit application amount input by the user through the user device and the deposit period; And it may include providing the calculated expected interest to the user device. In the method of providing inquiry results of individual depositor guarantee targets according to various embodiments of the present disclosure, various other embodiments are possible.

Description

Method and system for providing distributed deposit service and interest calculator within depositor protection limits {METHOD AND SYSTEM FOR PROVIDING DISTRIBUTED DEPOSIT SERVICE AND INTEREST CALCULATOR WITHIN THE LIMIT OF DEPOSITOR INSURANCE}

This disclosure relates to a method and system for providing distributed deposit services and interest calculators within depositor protection limits.

Currently, Korea operates a depositor protection system to protect small depositors. Specifically, the depositor protection system is a system that protects depositors using the insurance principle that 'people with the same type of risk regularly save funds to prepare for emergencies.' As an insurance institution, the Korea Deposit Insurance Corporation receives deposit insurance premiums from financial companies that handle deposit services, and when financial companies cannot afford to pay deposits to depositors due to poor management or bankruptcy, it pays deposits to depositors on behalf of financial companies, thereby increasing the deposit amount. guarantees. The Deposit Insurance Corporation protects deposits up to a maximum of 50 million won (before tax) per person, including principal and interest.

However, the depositor protection limit for each financial company has been fixed at 50 million won for 20 years, so financial consumers must open deposit accounts at multiple financial companies if they want to deposit an amount greater than the depositor protection limit. In addition, the target of this depositor protection system is that financial companies that handle savings deposit products handle accounts such as foreign exchange, investment, pension, and funds, and it is impossible to identify the protected deposit accounts and deposit amounts by simply calling the entire account of each financial company. Therefore, financial consumers face many difficulties in managing their assets.

In particular, with only the account data for each financial company provided by the Korea Financial Telecommunications and Clearings & Clearings Institute, it is impossible to identify how much additional amount can be protected by each financial company or whether there are amounts that do not receive deposit protection for each financial company, so a model for identifying depositor protection accounts and limits is urgently needed. It is being requested.

In order to solve the above problems, this disclosure provides an interest system that searches the depositor protection limit for the financial company that launched the financial product and automatically calculates the interest accrued within the depositor protection limit when checking the financial product that the depositor wants to subscribe to. The purpose is to provide a system that provides a service that provides a calculator.

In addition, this disclosure provides that when a depositor attempts to subscribe to multiple deposit products for a large amount, for example, an amount exceeding 50 million won, which is the depositor protection limit for a single financial company, within the depositor protection limit of the multiple deposit products. The purpose is to provide a system that provides services that enable distributed deposits.

In addition, the purpose of the present disclosure is to provide a system that helps depositors determine the subscription period for new financial products by visually displaying the maturity date of already-subscribed financial products when signing up for a financial product.

The technical problem to be achieved in this document is not limited to the above-described technical problem, and other technical problems not mentioned can be clearly understood by those skilled in the art from the description below. .

A method performed by a system server to provide distributed deposit services within depositor protection limits in various embodiments of the present disclosure is: providing information about a plurality of deposit products to a user device, and selecting a first deposit product among the plurality of deposit products. receiving a request to join; Receiving a deposit period for the first deposit product entered by the user through the user device and a request to confirm the deposit amount from a financial institution for the first deposit product; In response to receiving the request to confirm the pre-deposited amount, receiving personal financial information about the user of the user device and identifying the pre-deposited amount based on the personal financial information; calculating an expected interest based on the first deposit application amount input by the user through the user device and the deposit period; And it may include providing the calculated expected interest to the user device.

The method according to various embodiments of the present disclosure may further include displaying a warning message on the user device when the sum of the first deposit application amount and the expected interest exceeds the depositor protection limit.

In a method according to various embodiments of the present disclosure, in response to receiving the request for confirmation of the pre-deposit amount, personal financial information for the user of the user device is received, and the pre-deposit amount is based on the personal financial information. The identifying step includes identifying the pre-deposit amount based on a result of comparing the received personal financial information and financial company information, and the personal financial information is an account for at least one account for the user. information, and the account information may include the name of the financial institution, branch name, financial product name, and balance.

A method according to various embodiments of the present disclosure determines whether, in the account information included in the received personal financial information, the identifier stored in the value of the first layer data for the at least one account represents a first financial institution or a second financial institution. identifying; And when the first layer data value of the at least one account is an identifier representing a second financial institution, converting the identifier representing the branch name stored in the second layer data value into a first layer data value may be further included, The step of identifying the pre-deposit amount based on a result of comparing the received personal financial information and the financial company information may include, when the first layer data value of the at least one account is an identifier representing a second financial institution, the second After converting an identifier indicating the branch name stored in the hierarchical data value into a first hierarchical data value, comparing the value of the first hierarchical data with a value stored in the financial company information and corresponding to the value of the first hierarchical data. may include.

A method according to various embodiments of the present disclosure includes receiving a subscription request for a second deposit product among a plurality of deposit products from the user device; Receiving a deposit period and a second deposit request amount for the second deposit product input by the user through the user device; Receiving information about at least one withdrawal account from the user device; and receiving a withdrawal request amount for each of the at least one withdrawal account, wherein the sum of the withdrawal request amount for each of the at least one withdrawal account is the first deposit request amount and the second deposit amount. Activate the account opening button for the first deposit product and the second deposit product only if the application amount is more than the application amount, and if the sum of the withdrawal application amount is less than the first deposit application amount and the second deposit application amount, You can disable the account opening button above.

The method according to various embodiments of the present disclosure may further include receiving deposit account information upon expiration from the user device.

A method according to various embodiments of the present disclosure includes the steps of identifying information about a deposit product for which the user has already signed up, based on the received personal financial information; And when providing a page for inputting the deposit period for the first deposit product through the user device, displaying the deposit period of the already-subscribed deposit product based on information about the already-subscribed deposit product. Additional steps may be included.

In the method according to various embodiments of the present disclosure, when providing a page for inputting the deposit period for the first deposit product through the user device, the object for inputting the deposit period is a deadline listed. It may include a horizontal scroll bar, and the deposit deadline for the already-subscribed deposit product may be displayed at one point of the horizontal scroll bar.

The system server included in the system that provides distributed deposit services within the depositor protection limit according to various embodiments of the present disclosure: provides information about a plurality of deposit products to the user device, and selects a first deposit product among the plurality of deposit products. Receive a request to join; Receiving a request to confirm the deposit period for the first deposit product and the financial company's existing deposit amount for the first deposit product entered by the user through the user device; In response to receiving the pre-deposit amount confirmation request, receiving personal financial information about the user of the user device and identifying the pre-deposit amount based on the personal financial information; Calculating an expected interest based on the first deposit application amount input by the user through the user device and the deposit period; It may be configured to provide the calculated expected interest to the user device.

Figure 1 is an environmental diagram of a system that provides a distributed deposit service and an interest calculator within depositor protection limits according to various embodiments.
Figure 2 shows an example of signaling between entities included in a system that provides a distributed deposit service and an interest calculator within depositor protection limits according to various embodiments.
FIG. 3 illustrates a specific flowchart for generating a result for calculating interest within a depositor protection limit in response to a request for deposit product selection and interest calculation results from a user device according to various embodiments.
Figure 4 shows a specific flowchart of distributing deposits to a plurality of deposit products according to various embodiments of the present disclosure.
5A and 5B illustrate a GUI of an interest calculator service displayed on a display of a user device according to various embodiments.
FIG. 6 illustrates a GUI of a distributed deposit service within the depositor protection limit displayed on a display of a user device according to various embodiments.
FIG. 7 illustrates a GUI of a pre-subscription product information providing service displayed on a display of a user device according to various embodiments of the present disclosure.

Electronic devices according to various embodiments disclosed in this document may be of various types. Electronic devices may include, for example, portable communication devices (e.g., smartphones), computer devices, portable multimedia devices, portable medical devices, cameras, wearable devices, servers, or consumer electronic devices. Electronic devices according to embodiments of this document are not limited to the above-described devices.

The various embodiments of this document and the terms used therein are not intended to limit the technical features described in this document to specific embodiments, and should be understood to include various changes, equivalents, or replacements of the embodiments. In connection with the description of the drawings, similar reference numbers may be used for similar or related components. The singular form of a noun corresponding to an item may include one or more of the above items, unless the relevant context clearly indicates otherwise. In this document, “A or B,” “at least one of A and B,” “at least one of A or B,” “A, B, or C,” “at least one of A, B, and C,” and “A. Each of phrases such as “at least one of , B, or C” may include any one of the items listed together in the corresponding phrase, or any possible combination thereof. Terms such as "first", "second", or "first" or "second" may be used simply to distinguish one element from another, and may be used to distinguish such elements in other respects, such as importance or order) is not limited. One (e.g. first) component is said to be "coupled" or "connected" to another (e.g. second) component, with or without the terms "functionally" or "communicatively". Where mentioned, it means that any of the components can be connected to the other components directly (e.g. wired), wirelessly, or through a third component.

The term “module” used in this document may include a unit implemented in hardware, software, or firmware, and may be used interchangeably with terms such as logic, logic block, component, or circuit, for example. A module may be an integrated part or a minimum unit of the parts or a part thereof that performs one or more functions. For example, according to one embodiment, the module may be implemented in the form of an application-specific integrated circuit (ASIC).

Various embodiments of this document may be implemented as software (e.g., a program) including one or more instructions stored in a storage medium that can be read by a machine. For example, the processor of the device may call at least one instruction among one or more instructions stored from a storage medium and execute it. This allows the device to be operated to perform at least one function according to the at least one instruction called. The one or more instructions may include code generated by a compiler or code that can be executed by an interpreter. A storage medium that can be read by a device may be provided in the form of a non-transitory storage medium. Here, 'non-transitory' only means that the storage medium is a tangible device and does not contain signals (e.g. electromagnetic waves). This term refers to cases where data is stored semi-permanently in the storage medium. There is no distinction between temporary storage cases.

According to one embodiment, methods according to various embodiments disclosed in this document may be provided and included in a computer program product. Computer program products are commodities and can be traded between sellers and buyers. The computer program product may be distributed on a machine-readable storage medium (e.g. compact disc read only memory (CD-ROM)) or through an application store (e.g. Play Store ^™ , or App Store ^™ ) or both. It can be distributed (e.g. downloaded or uploaded) directly or online between user devices (e.g. smartphones). In the case of online distribution, at least a portion of the computer program product may be at least temporarily stored or temporarily created in a machine-readable storage medium, such as the memory of a manufacturer's server, an application store's server, or a relay server.

According to various embodiments, each component (eg, module or program) of the above-described components may include a single entity or a plurality of entities. According to various embodiments, one or more of the components or operations described above may be omitted, or one or more other components or operations may be added. Alternatively or additionally, multiple components (eg, modules or programs) may be integrated into a single component. In this case, the integrated component may perform one or more functions of each component of the plurality of components identically or similarly to those performed by the corresponding component of the plurality of components prior to the integration. . According to various embodiments, operations performed by a module, program, or other component may be executed sequentially, in parallel, iteratively, or heuristically, or one or more of the operations may be executed in a different order, or omitted. Alternatively, one or more other operations may be added.

Meanwhile, the limit to which depositors can be protected through the depositor protection system (e.g. 50 million won) is paid based on the corporation. For example, assuming a situation where a depositor subscribes to a financial product (e.g., time deposit) protected by the depositor protection system for 30 million won each at financial company A and financial company B of different corporations, both financial company A and financial company B In the event of bankruptcy, depositors are not only protected with 50 million won as a limit out of the total deposit amount of 60 million won, but 30 million won for each financial company A and B. However, as a primary financial institution, deposit banks have multiple branches registered under one corporation. Therefore, when a user opens an account for a financial product at a deposit bank, which is the primary financial institution, this is commonly handled at multiple branches, and the depositor protection system also determines the limit based on the common account, not the branch.

On the other hand, secondary financial institutions, such as savings banks, are treated as separate corporations for each branch. Therefore, as a secondary financial institution, when a savings bank opens accounts for financial products at branch A and branch B, the financial account opened at branch A and the financial account opened at branch B are each protected within the limit of the depositor protection system. It can be.

Accordingly, when a depositor opens multiple financial products at multiple banks, it is necessary to consider not only whether or not the depositor is protected by the depositor protection system depending on the type of financial product, but also considering the type of bank and even the branch of the bank to protect the depositor. You should consider whether the product is within the limit amount of the system.

It is a data server operated by the 'Financial Statistics Information System', or a data server operated by the 'Financial Supervisory Service', 'Korea Financial Telecommunications and Clearings & Clearings Institute', or 'Deposit Insurance Corporation', which contains information about the account registered by the user in the data server (an individual Financial information can be obtained, and in the past, there was a platform service that collected personal financial information about the depositor from a data server through a web service or application service and allowed the depositor to check all accounts opened. However, the account There is no service to check whether an account can be protected by the depositor protection system. In addition, the entity that provides the financial company information and personal financial information of depositors subject to the depositor protection system as data and the data structure of the data are unknown. As they are all different, there are technical difficulties in providing services that provide distributed deposit services and interest calculators within the depositor protection limit. Below, in the method and system for providing individual depositor insurance target inquiry results according to various embodiments, external data As a server, it is a data server operated by the 'Financial Statistics Information System' or is used to protect depositors by using financial company information and personal financial information received from data servers operated by the 'Financial Supervisory Service', 'Korea Financial Telecommunications and Clearings Institute', or 'Deposit Insurance Corporation'. We will explain a specific method to help determine the deposit application amount by identifying the limit amount and considering both the deposit base and the expected interest based on the deposit base.

In addition, when a user signs up for a new deposit product, there is a way to check the balance of the depositor protection limit at the financial company that launched the deposit product, or a large amount, for example, an amount exceeding the general depositor protection limit of 50 million won, can be used in multiple ways. We will further explain how to deposit money into a deposit product.

Figure 1 is an environmental diagram of a system that provides a distributed deposit service and an interest calculator within depositor protection limits according to various embodiments.

Referring to FIG. 1 , environment 100 may include a user device 110, a depositor protection limit system server 120, and a data server 130.

In various embodiments, the user device 110 is a client device (e.g., desktop computer, laptop computer, smartphone, tablet computer, etc.) capable of receiving distributed deposit services and interest calculators within depositor protection limits. It can be.

In various embodiments, an application may be installed on the user device 110 in conjunction with the system server 120 to provide the user with a distributed deposit service and an interest calculator within the depositor protection limit. Specifically, the user runs the application installed on the user device 110, connects to the system server 120, and then accesses the depositor protection limit system server 120 (hereinafter referred to as the system server 120) through the execution screen of the application. You will be able to receive distributed deposit services and interest calculators within the depositor protection limits provided by ).

In various embodiments, a program for providing a distributed deposit service and an interest calculator within the depositor protection limit in conjunction with the system server 120 is added to another finance-related application (e.g., a banking application) on the user device ( 110) can be installed.

In various embodiments, an application for providing distributed deposit services and interest calculators within depositor protection limits to users in conjunction with the system server 120 may be implemented within a web browser application installed on the user device 110. . For example, an application may be added to a web browser application in the form of an add-on program or plug-in program. Here, a web browser is a program that allows the use of web (WWW: world wide web) services and refers to a program that receives and displays hypertext written in HTML (hypertext mark-up language), for example, Netscape. , Explorer, Chrome, Safari, etc.

In various embodiments, the system server 120 is used to provide distributed deposit services and interest calculators within depositor protection limits to users in conjunction with an application installed on the user device 110 and may include one or more servers. The system server 120 may include a login unit 121, a data collection unit 122, a data conversion unit 123, a database 124, and an interest calculator 125. Meanwhile, each component (eg, unit) included in the system server 120 is not necessarily intended to refer to a separate, physically distinct component. That is, in FIG. 1, the login unit 121, data collection unit 122, data conversion unit 123, database 124, and interest calculator 125 included in the system server 120 are separate blocks. Although shown, this is a functional division of the system server 120 according to the operations performed by it. Depending on the embodiment, some or all of the above-described modules may be integrated into the same device, or one or more modules may be implemented as a separate device that is physically separated from other modules. For example, each component of the system server 120 may be components communicatively connected to each other in a distributed computing environment.

In various embodiments, the data server 130 may be a server that manages information necessary to provide distributed deposit services and interest calculators within depositor protection limits to users of the user device 110. For example, the data server 130 may be a data server operated by the 'Financial Statistics Information System', or a data server operated by the 'Financial Supervisory Service', 'Korea Financial Telecommunications and Clearings Institute', or 'Deposit Insurance Corporation'. There may be a plurality of data servers 130 depending on the type of data and the operator. The data server 130 may be, for example, a server operated by a financial statistical information system, and may provide data on statistical lists, account items, financial companies, and statistical information. For another example, the data server 130 may be a server operated by the Financial Supervisory Service that provides data on financial companies, term deposit products, and savings products. In various embodiments, the user device 110, the system server 120, and the data server 130 may execute a communication connection with each other to provide a distributed deposit service and an interest calculator within depositor protection limits. . Additionally, in order to perform periodic or real-time data collection, the system server 120 and the data server 130 may always be connected to each other.

According to various embodiments, the login unit 121 may manage the login information of a user who has completed membership registration for a service that provides a distributed deposit service and an interest calculator within the depositor protection limit. In one embodiment, the login unit 121 may receive login information and register it when a user signs up using the user device 110. The login information may include a login method that the user enters into the login unit 121 to log in, and the login method may include at least pattern information connected to keys on the keypad, biometric information such as fingerprint/face/iris, and a public certificate password. It can contain one. However, the login means that can be used in the present invention are not limited to the above content and may include various other information not described. Additionally, the login information may additionally include a PIN number used as an authentication method for processing banking transactions.

In various embodiments, the login unit 121 may manage login information for a user to access the system server 120. To this end, the login unit 121 can receive information for the user's identity authentication by providing a starting page to the user when the system server 120 is first run. When information for identity authentication is received, the login unit 121 may display a membership registration page to the user to guide membership registration.

The login unit 121 registers login information, and when the login information is input from the user, it transmits the input login information to the system server 120 to request whether the user is allowed to log in. Accordingly, in an embodiment of the present invention, it is possible to allow access only to users who have registered login information and block access to the system server 120 by users without legitimate authority. In various embodiments, the login information may include a certificate stored on user device 110. The certificate may be stored in a hardware security area (Secure Element) within the user device 110 and may include a financial certificate or joint certificate.

In various embodiments, the login information received by the login unit 121 from the user device 110 or the login information generated based on information received from the user device 110 is sent to the system server 120 by the data server 130. ) can be used when requesting personal financial information. When the system server 120 collects personal financial information from the data server 130, it is important to authenticate oneself and obtain authority because very important personal information is collected. Therefore, in the process of collecting personal financial information from the data server 130 described in this disclosure, legal or procedural rules that can be easily implemented by a person skilled in the art (e.g., identity verification or public certificate signing, etc.) Additional procedures may be performed, and description thereof will be omitted.

In various embodiments, the data collection unit 122 may collect data about financial companies and financial products from the data server 130. The data collection unit 122 is periodically received from the data server 130, upon request from the user through the user device 110, or when information is updated (e.g., quarterly update) in the data server 130. Data can be collected at any time. In this disclosure, financial company information as data about a financial company may include information about a bank code, bank name, store name, telephone number, fax number, zip code, and address, and may follow a specific layout. In addition, financial product information as data on financial products in this disclosure includes financial product conditions and financial company soundness evaluation conditions, and the financial company soundness evaluation conditions include total assets, BIS ratio, net profit, NPL ratio, delinquency rate, and total assets. It may include at least one of return on investment ratio (ROC) and liquidity coverage ratio (LCR).

In various embodiments, the data collection unit 122 may, in response to receiving a request for inquiry of the depositor protection limit amount for each financial company from the user device 110, provide a personal information for inquiry of the depositor protection limit amount for each financial company. Personal credit information necessary for collecting financial information can be provided to the system server 130. Additionally, the data collection unit 122 may receive an authentication request for the information subject's (i.e., user) consent to providing information, and may provide the result of the authentication request to the system server 130.

In various embodiments, the data collection unit 122 processes transfers (withdrawal transfers, deposit transfers, etc.) transactions or inquiries (balance inquiries) for users who request personal financial information through communication with the data server 130. , transaction history inquiry, account real name inquiry, remitter information inquiry, etc.) can be implemented to further process financial tasks such as transaction processing. In this disclosure, personal financial information includes inquiry of account information (bank, account holder name, account number, balance, new date, etc.), deposit and withdrawal details (bank, account number, transaction date, start of transaction, withdrawal amount, deposit amount, balance after transaction, transaction method, etc.) ) inquiry, deposit information (account number, deposit type, current balance, contract amount, monthly payment amount, transaction date time, deposit amount, maturity date, etc.) inquiry, loan information (account number, loan type, loan balance, monthly payment amount, transaction date time, etc.) , interest amount, interest rate, maturity date, etc.) inquiry, card usage history (card type, card number, approval date and time, approval amount, balance after payment, payment date, etc.) inquiry, depositor information (account holder name, real name number, account authenticity, etc.) ) can be collected through inquiry.

In various embodiments, collection of personal financial information by the data collection unit 122 may be realized through API for security purposes. In one embodiment, the system server 120 may be configured to communicate with the data server 130 using a communication method using an open API. In this disclosure, communication using open API refers to specifying an API for searching personal financial information that needs to be searched among user data scattered in various places such as banks, card companies, insurance companies, and telecommunication companies, and connecting the data server 130 and the system. It may refer to a form in which inquiry of personal financial information is realized by providing the corresponding API so that it can be used by the system server 120 or the user device 110 according to an agreement of the server 120.

The data conversion unit 123 may convert the financial company information, financial product information, and personal financial information received by the data collection unit 122 into data in a format suitable for inquiry of the depositor protection limit amount for each financial company. For example, the data conversion unit 123 can reorganize the data into layout data for querying the depositor protection limit amount for each financial company based on the layout information of the data provided by the data server 130. The converted layout may define the type and/or order of financial companies. We will explain a specific method of creating a distributed deposit service and interest calculator within the depositor protection limit by converting the data structure into a layout suitable for creating a distributed deposit service and interest calculator within the depositor protection limit.

Additionally, the data conversion unit 123 may use data according to the converted layout to generate an inquiry result to be transmitted to the user device 110 that has requested an inquiry on the depositor protection limit amount for each financial company. For example, the data conversion unit 123 transmits information to the user device 110 based on information according to the layout and depositor protection standards that define the type and/or order of financial companies required to inquire the limit amount of depositor protection for each financial company. Search results can be generated to be provided.

For example, financial company information indicating a financial company (insured financial company) capable of protecting depositors received from the data server 130 may have a data structure as shown in Table 1 below.

financial sector Institution name address FAX bank Kookmin bank 26 Gukjegeumyung-ro 8-gil, Yeongdeungpo-gu, Seoul 02-2073-5209 bank Shinhan Bank Sejong-daero, Jung-gu, Seoul, 9th 20 0505-177-6001 ... ... ... ... savings bank OK Savings Bank 10th floor, 39 Sejong-daero, Jung-gu, Seoul 02-511-8667 savings bank SBI Savings Bank 9th floor, 10th floor, 11th floor, 26 Eulji-ro 5-gil, Jung-gu, Seoul 3445-2227 ... ... ... ...

However, information about opened accounts among the personal financial information about users (e.g., depositors) received from the data server 130 may have a data structure as shown in Table 2 below.

Financial institution name Branch name address FAX account number product name Opening date balance KB Kookmin Cheonggye 199 Cheonggyecheon-ro, Jongno-gu, Seoul (Yeji-dong) 02-2269-2181 000**000** General deposit 2021.9.3 48,000,000 savings bank SBI Jongno Branch 3rd floor, Youngpoong Building, 41 Cheonggyecheon-ro, Jongno-gu, Seoul 02-2136-0551 111**111** Compound interest term deposit 2021.9.3 48,000,000 savings bank Solomon Main Store 889-44 Daechi-dong, Gangnam-gu, Seoul 02-2022-8008 222**222** Compound interest term deposit 2021.10.3 30,000,000 ... ... ... ...

Referring to Table 2 above, KB Kookmin Bank, the first financial institution, is given 'KB Kookmin' as an independent identifier (or code) in the name of the financial institution, while SBI Savings Bank and Solomon Savings Bank, which are the second financial institutions, are given the name of the financial institution. It can be confirmed that 'Savings Bank' is being given as a unified identifier. Therefore, as a first financial institution, a deposit bank can check whether depositors are protected and the depositor protection limit amount using the identifier assigned to the financial institution name, but as a second financial institution, a savings bank cannot use the identifier assigned to the financial institution name. As a secondary financial institution, savings banks can identify themselves as savings banks using the identifier given to the name of the financial institution, and then use the branch name or the identifier given to the branch name to check whether they are eligible for depositor protection and the depositor protection limit amount.

Therefore, in the first embodiment of the present disclosure, the data conversion unit 123 (or system server 120) first converts data including account information for an individual as personal financial information into first layer data (e.g., financial information). Through analysis of the name of the institution, it is possible to distinguish between the first financial sector (e.g. KB Kookmin) and the second financial sector (e.g. savings bank). The data conversion unit 123 may convert at least some of the second layer data (e.g., branch name) into first layer data for accounts classified as second-tier financial institutions.

Table 3 below shows that the data conversion unit 123 changed the data structure of Table 2 through the above rules.

Financial institution name Branch name address FAX account number product name Opening date balance KB Kookmin Cheonggye 199 Cheonggyecheon-ro, Jongno-gu, Seoul (Yeji-dong) 02-2269-2181 000**000** General deposit 2021.9.3 48,000,000 SBI Savings Jongno (ji) 3rd floor, Youngpoong Building, 41 Cheonggyecheon-ro, Jongno-gu, Seoul 02-2136-0551 111**111** Compound interest term deposit 2021.9.3 48,000,000 Solomon Savings head office 889-44 Daechi-dong, Gangnam-gu, Seoul 02-2022-8008 222**222** Compound interest term deposit 2021.10.3 30,000,000 ... ... ... ...

The data conversion unit 123 is the first layer data in the changed data structure as shown in Table 3 above, and compares the value of the name of the financial institution, personal financial information, and the value of the financial company subject to depositor protection as shown in Table 1 to convert multiple accounts. Among these, accounts subject to depositor protection can be identified.

In the second embodiment of the present disclosure, the data conversion unit 123 (or system server 120) first converts data including account information for an individual as personal financial information into first layer data (e.g., financial institution name). Through analysis, it is possible to distinguish between the first financial sector (e.g. KB Kookmin) and the second financial sector (e.g. savings bank).

For accounts classified as secondary financial institutions, the data conversion unit 123 compares the data values of different layers and personal financial information with the values of financial companies subject to depositor protection as shown in Table 1 to determine which of the plurality of accounts are eligible for depositor protection. This account can be identified. For example, referring to Table 2, savings banks belonging to the secondary financial sector may have individual address values, fax number values, or phone number values for each branch. Accordingly, the account subject to depositor protection can be identified among a plurality of accounts through the address value and FAX number value of each branch of the financial company subject to depositor protection.

The data server 130 operated by the 'Deposit Insurance Corporation' can provide not only data on financial companies subject to depositor protection, but also data indicating all branches of financial companies. Therefore, the data conversion unit 123 (or inquiry server) collects data representing branch information of all financial companies and can identify addresses, phone numbers, FAX numbers, addresses, etc. as branch information of financial companies subject to depositor protection. there is. Data representing all financial company branches and financial company information representing depositor protection targets as shown in Table 1 can be subjected to data structure conversion and comparison processes to identify branches of financial companies subject to depositor protection. In various embodiments, the first embodiment and the second embodiment may be implemented independently, but it is obvious to those skilled in the art that they can be implemented together to increase the accuracy of account identification subject to depositor protection.

In various embodiments, the data conversion unit 123 may store data received from the data server 130 in the database 124. In this case, the system server 120 can query personal financial information by querying the database 124 without collecting data through API, which has the advantage of reducing the development burden on processing API-based responses. There is.

In various embodiments, when the system server 120 requests personal financial information from the data server 130, the system server 120 provides professional information according to the communication method (including communication protocol and data format) requested by the data server 130. Data can be exchanged. In addition, the system server 120 may transmit an authentication request for consent to provision of information to the user device 110 or an authentication server (not shown) and receive an integrated authentication result, and use this to receive the data server 130 ), you can complete authentication for access to personal financial information.

In various embodiments, the database 124 may provide transaction history information (e.g., logs) between the system server 120 and the data server 130, or the user device 110 may provide a service for the system server 120. Various data indicating usage status can be stored.

In another embodiment, the system server 120 may be a server operated by a my data service provider. The system server 120 may receive a request from the user device 110 to inquire the depositor protection limit amount for each financial company, and may receive personal financial information corresponding to the information inquiry request from the data holding institution. As a server operated by a my data business operator, the system server 120 collects the personal financial information of the user (i.e., the subject of personal financial information) from the information holding institution, and provides distributed deposit services to the user and based on this within the limits of depositor protection. and interest calculator services. In this case, the system server 120 provides a service involving inquiry of personal financial information in conjunction with the server of one or more financial institutions (e.g., data server 130), and provides different security information for each financial institution. It can function as a platform that can search and provide account information regardless of method, communication method, or professional method.

In various embodiments, system server 120 may further include an interest calculator 125. The interest calculator 125 can calculate the expected interest based on the deposit application amount, deposit period, and interest rate entered by the user for the financial product selected by the user. In addition, in one embodiment, the interest calculator 125 determines the sum of the deposit application amount, expected interest, and/or existing deposit amount based on the inquiry result generated by the data conversion unit 123, and calculates this total amount to the depositor. You can check whether it is within the protection limits. In one embodiment, the interest calculator 125 may calculate in advance the maximum deposit request amount that can receive depositor protection, based on the existing deposit amount and deposit period.

Figure 2 shows an example of signaling between entities included in a system that provides a distributed deposit service and an interest calculator within depositor protection limits according to various embodiments. This signaling may be caused by at least one of the user device 110, system server 120, or data server 130 shown in FIG. 1.

Referring to FIG. 2, the process of providing a distributed deposit service and an interest calculator within the depositor protection limit to users in various embodiments of the present disclosure will be described.

Referring to FIG. 2, in step 201, the data server 130 may transmit data about financial products and financial companies to the system server 120, through which the system server 120 may collect data. Collection of data of the system server 120 may be accomplished from the data server 130. For example, the system server 120 (or the data collection unit 122) may collect financial company information from the data server 130 as data about the financial company. System server 120 periodically receives information from data server 130, upon request from a user via user device 110, or when information is updated in data server 130 (e.g., quarterly updates). Data can be collected every time.

In step 203, the user device 110 can access distributed deposit and interest calculator services within depositor protection limits provided by the system server 120. In various embodiments, the user device 110 may access distributed deposit and interest calculator services within depositor protection limits provided by the system server 120 by entering login information on a web browser application. In various embodiments, the user device 110 runs a dedicated application distributed to access the distributed deposit and interest calculator service within the depositor protection limit provided by the system server 120 and enters login information to access the system server 120. ) can access the services provided by. (a) of FIG. 5A shows a first screen 510 as a GUI 111 for the user device 110 to access the inquiry service.

The first screen 510 may include login information 511 and login means 512. Login information 511 may include an identifier and password that can distinguish the user, such as email, ID, or mobile phone number. The value entered into the login information 511 may be information entered when registering as a member. The login means may include at least one of pattern information connected to keys on the keypad, biometric information such as fingerprint/face/iris, and public certificate password.

Referring again to FIG. 2, in step 205, the system server 120 may check user information of the user of the user device 110. In various embodiments, the system server 120 registers a user of the user device 110, which is a client device, in conjunction with a user information database, or a database that stores login information received from the user device 110 and the user information. The user information of the user may be confirmed based at least on a relationship between account information stored in a user database (not shown) included in 124.

In various embodiments, the system server 120 stores all packet information transmitted and received with the user device 110, unique information about the service provided by the user (login information, transaction number, transaction number, service registration number, etc. ), environmental information about the user device 110 (hardware information such as M/B ID, CPU ID, HDD S/N, USB S/N, OS version, patch/plugin version of the browser or peripheral device used, User information can be confirmed based on software information such as browser version/type/language, network information such as IP address, MAC address, G/W IP address, G/W MAC address, USIM information, etc.).

In step 207, the user may transmit a signal indicating a request to inquire about the depositor protection limit for each financial company to the system server 120 through the user device 110. The user device 110 may display a GUI 111 for an authentication procedure to inquire the limit amount of depositor protection for each financial company through the display. The user can select an object for which an authentication procedure is to be performed to inquire the limit of depositor protection for each financial company on the GUI 111 displayed on the user device 110, and the user device 110 detects the user's input for the object and In response to this, a signal indicating the progress of an authentication procedure that allows inquiry of the depositor protection limit for each financial company may be transmitted to the system server 120.

In step 209, the system server 120 responds to receiving a signal requesting to proceed with an authentication procedure to inquire the limit of depositor protection for each financial company received from the user device 110, and receives personal finance information from the data server 130. You can receive data about information. Likewise, in the process of collecting personal financial information from the server 130, there are more procedures that comply with legal or procedural rules (e.g., identity verification or public certificate signing, etc.) that can be easily performed by a person skilled in the art. It may be performed, and for this purpose, a plurality of signaling steps may be included between the user device 110, the system server 120, and the data server 130. For example, (b) of FIG. 5A shows a second screen 520 on which part of the procedures required to obtain personal financial information from the data server 130 are displayed on the user device 110 as a GUI 111. do.

In step 211, the user device 110 may select a deposit product according to the user's selection and transmit a signal requesting the interest calculation result to the system server 120. The user may select one of a plurality of deposit products displayed on the GUI 111 of the user device 110 based on the financial company information received in step 201. For example, in Figure 5b (a), the third screen 530 displayed on the GUI 111 of the user device 110 is a list of a plurality of deposit products received by the user device 110 from the system server 120. shows. Referring to FIG. 5B, the third screen 530 may include a deposit type classification 531, a deposit product list 532, a general product 533, and a menu tab 534. In one embodiment, the deposit product list 532 may be sorted and displayed based on the user's deposit product classification 531 or filtering conditions for deposit products that can be selected in detail. Deposit product filtering conditions include at least one of the following: financial institution type, depository region, interest calculation, subscription target, and expected savings period; total assets, BIS ratio, net profit, NPL ratio, delinquency rate, ROC, It may include a financial company soundness filter including at least one of LCR.

In step 211, the user can select a financial product he or she wants to use from among a plurality of financial products displayed through the user device 110 or from financial products searched directly, and requests calculation of interest that can be obtained through the selected financial product. You can. In step 213, the system server 120 can calculate interest within the depositor protection limit in response to a deposit product selection and interest calculation result request 211 from the user device 110, and sends the interest calculation result calculated in step 215 to the user device. It can be sent to (110).

Referring to (b) of FIG. 5B, when the user selects one deposit product from the third screen 530 as a list of deposit products provided through the user device 110, the user device 110 displays the deposit product subscription. A fourth screen 540 may be displayed.

The fourth screen 540 includes a horizontal scroll bar 541 for selecting the deposit period, a check contribution button 542 for checking the bank's contribution to check the amount already deposited by the user at a financial company selling deposit products, and a check for tax exemption. A tax exemption confirmation button 543 and a deposit application amount input box 544 where the deposit application amount can be entered may be displayed.

When a user manipulates the horizontal scroll bar 541 to input a desired deposit period, the interest rate corresponding thereto may be displayed adaptively.

When the user selects the bank's contribution confirmation button 542, the system server 120 identifies the amount already deposited at the financial company selling the user's corresponding deposit product based on the personal financial information obtained in step 209 and displays it. You can. In one embodiment, in response to the user selecting the bank contribution confirmation button 542, the system server 120 compares the user's personal financial information obtained in step 209 with the latest financial company information and determines the depositor for the financial company. You can update the protection limit inquiry results and identify the already-deposited amount of the relevant financial company. In one embodiment, the amount obtained by subtracting the already-deposited amount from the depositor protection limit amount (e.g., 50 million won) may be displayed on the fourth screen 540 as the deposit amount 542a within the protection limit.

When the user selects the tax exemption confirmation button 543, the system server 120 can check whether the user can obtain tax exemption from interest on the deposit product based on the personal financial information obtained in step 209.

When the user selects a deposit period through interaction with the fourth screen 540 and enters the deposit application amount in the deposit application amount input box 544, the system server 120 calculates the expected interest and calculates the result. can be displayed in the expected interest display area 545.

In one embodiment, the sum of the deposit application amount applied by the user and the calculated expected interest is the depositor protection limit (KRW 50 million) minus the bank contribution confirmed through the input of the user's bank contribution confirmation button 542. If it exceeds, a notification message (not shown) notifying this may be displayed on the fourth screen 540.

In one embodiment, the system server 120 may calculate in advance the deposit application amount within the limit where depositor protection is possible, based on the deposit period and bank contribution pre-entered through the horizontal scroll bar 541. Accordingly, when the user inputs the deposit application amount by activating the deposit application amount input box 544, the user can limit the deposit application to only within the pre-calculated deposit application limit amount. For example, when the user activates the deposit application amount input box 544, the pre-calculated deposit application limit amount may be displayed as the deposit amount within the protection limit 542a on the fourth screen 540. For another example, when the user enters the deposit application amount in the deposit application amount input box 544, a warning message (not shown) notifying this is displayed if the entered deposit application amount exceeds the pre-calculated deposit application limit amount. It can be displayed. In this way, the interest calculator service provided by this disclosure calculates the interest that can be earned through the deposit product when a user signs up for a deposit product, and the sum of the principal and interest is within the limit that can be protected within the depositor protection limit. It has the unique effect of allowing the user to properly enter the deposit request amount.

Next, in step 217, the system server 120 allows the user to sign up for the financial product based on the financial product selection information received in step 215. In various embodiments, in the process of signing up for a corresponding financial product, the system server 120 may use information about the user stored in a user information database (not shown).

FIG. 3 illustrates a specific flowchart of generating a result of calculating interest within a depositor protection limit in response to a deposit product selection and interest calculation result request 211 from a user device, according to one embodiment. With reference to FIG. 3, specific operations for calculating interest within the depositor protection limit in step 213 described in FIG. 2 will be described.

At step 301, system server 120 may receive an existing deposit confirmation request entered by the user through user device 110. The deposit confirmation request is a GUI 111 displayed on the user device 110, as shown in (b) of FIG. 5B, which receives user input for the bank contribution confirmation button 542 on the fourth screen 540. You can.

In step 303, the data conversion unit 123 (or system server 120) converts the account information included in the personal financial information received from the data server 130 to the value of the first layer data for the at least one account. It is possible to identify whether the stored identifier represents the first financial institution or another financial institution (eg, the second financial institution).

In the next step 305, if the first layer data value of at least one account identified in step 301 does not represent the first financial institution, for example, the first layer data value uses an identifier indicating the second financial institution. In this case, the identifier indicating the point name stored in the second layer data value can be converted to the first layer data value.

In the next step 307, the data conversion unit 123 converts existing deposits to the financial company for the corresponding financial product based on the result of comparing the first layer data value of the converted account information and the name of the financial company and branch subject to depositor protection included in the financial company information. can confirm.

In the next step 309, the interest calculation unit 125 may calculate the expected interest excluding tax in response to receiving an input for the deposit application amount. Calculation of expected interest may require the interest rate and deposit amount according to the deposit period and deposit period. The deposit period and deposit request amount required for calculating expected interest are the horizontal scroll bar 541 of the fourth screen 540 and the GUI 111 displayed on the user device 110, as shown in (b) of FIG. 5B. It can be obtained by user input into the deposit request amount input box 544.

Meanwhile, in one embodiment, if the sum of the interest calculated in step 309 and the existing deposit confirmed exceeds the depositor protection limit (e.g., 50 million won), a warning message notifying this is displayed on the user device 110. Additional steps may be performed.

In another embodiment, the depositor protection limit amount (e.g., 50 million won) is calculated by subtracting the existing deposit amount confirmed in step 307, and the calculated amount is the maximum applicable amount based on the current deposit period and the period set by the interest rate. The deposit amount can be calculated. The calculated deposit amount may be provided to the user in advance (e.g., deposit amount 542a within the protection limit in (b) of FIG. 5B) or may be provided as a maximum limit when the user enters the deposit application amount.

Figure 4 shows a specific flowchart of distributing deposits to a plurality of deposit products according to various embodiments of the present disclosure. Referring to FIG. 4, the process 400 may begin with steps 401 and 403 of selecting a plurality of deposit products and steps 405 and 407 of selecting a withdrawal account.

In relation to this, FIG. 6 illustrates a GUI of a distributed deposit service within depositor protection limits displayed on a display of a user device according to various embodiments. Referring to (a) to (c) of FIG. 6, the system server 120 may provide the user device 110 with a distributed deposit service screen that allows users to sign up by distributing deposits across a plurality of deposit products. The distributed deposit service screens 610, 620, and 630 shown in (a) to (c) of Figures 6 are one screen (or page) and can be switched between them by scrolling. In another embodiment, the distributed deposit service screens 610, 620, and 630 may be multiple pages that are switched by separate page switching buttons.

The first screen 610 shown in (a) of FIG. 6 receives a deposit product application request in step 401 of the process 400 of FIG. 4, and inputs the deposit application amount for the applied deposit product in step 403. It may be a GUI 111 displayed on the user device 110 after doing so. Meanwhile, the user can repeatedly perform steps 401 and 403 to distribute deposits to multiple deposit products. In one embodiment, steps 401 and 403 may be accomplished by process 300 shown in FIG. 3.

Referring to (a) of FIG. 6, it can be assumed that the user applies for a deposit product and inputs the deposit request amount for the first product 611 and the second product 612. For the first product (611), 25 million won was entered as the deposit request amount, and for the second product (612), 45 million won was entered as the deposit request amount. Meanwhile, in one embodiment, the first screen 610 provided on the user device 110 may include an Add deposit product button 610a, so that the user inputs the Add deposit product button 610a. Steps 401 and 403 of applying for a deposit product and entering the deposit amount can be performed.

The second screen 620 shown in (b) of FIG. 6 receives a request to add a withdrawal account in step 405 of the process 400 of FIG. 4, checks the withdrawal available balance of the account in step 407, and allows the user to It may be a GUI 111 displayed on the device 110. Meanwhile, the user may repeatedly perform steps 405 and 407 to add multiple deposit accounts.

Referring to (b) of FIG. 6, it can be assumed that the user has registered the first account 621 and the second account 622 as withdrawal accounts. The amount withdrawn from the first account 621 may be 120 million won, and the amount withdrawn from the second account 622 may be 8.5 million won. In one embodiment, when the user registers a withdrawal account, a step of directly entering the withdrawal request amount may be further performed. According to this embodiment, the amount entered as the withdrawal request amount in the first account 621 may be 50 million won, and the amount entered as the withdrawal request amount in the second account 622 may be 5 million won. Meanwhile, in one embodiment, the second screen 620 provided on the user device 110 may include an add withdrawal account button 620a, so that the user inputs the add withdrawal account button 620a. The steps of registering a withdrawal account and/or entering the withdrawal request amount may be performed repeatedly.

In some embodiments, the second screen 620 provided on the user device 110 may further include withdrawal account information 620b, and the withdrawal account information 620b may display the total withdrawal insufficient amount. . Since the total withdrawal amount is insufficient, it may refer to the amount that indicates if the total deposit request amount (or total deposit request amount) applied by the user is larger than the total withdrawal available balance (or total withdrawal request amount). In the example of Figure 6, while the total deposit request amount was 70 million won, the sum of the withdrawal request amount was only 55 million won, so the total withdrawal insufficient amount was displayed as 15 million won.

Process 400 may proceed to step 409 in which the total deposit request amount performed in steps 401 and 403 is compared with the total withdrawal request amount (or total withdrawable amount) performed in steps 405 and 407.

In step 409, if the total deposit request amount is greater than the total withdrawal request amount, it may lead to step 405 of adding a withdrawal account. Alternatively, in step 409, if the total deposit request amount is greater than the total withdrawal request amount, a step of changing the withdrawal request amount in an already added withdrawal account may be performed.

In step 409, if the total deposit request amount is less than the total withdrawal request amount, step 413 may be reached to activate the account opening button. Referring again to (c) of FIG. 6, the third screen 630 provided on the user device 110 displays a final screen for opening a distributed deposit account according to the deposit product selected by the user and the withdrawal account information entered by the user. An account opening button 632 may be displayed. That is, in this disclosure, only when the total deposit request amount is smaller than the total withdrawal request amount, the account opening button 632 is activated to allow user input, thereby enabling distributed deposits for multiple financial products. According to this embodiment, users can easily select multiple deposit products for which they wish to make distributed deposits and register withdrawal accounts. In other words, it is possible to provide a one-stop process for signing up for multiple deposit products of the present disclosure at once.

In an optional embodiment, step 413 may be preceded by step 411 of registering a maturity deposit account. In step 411, as shown in (c) of FIG. 6, the user can select the deposit interest at maturity through the account registration GUI 631 provided on the third screen 630. In one embodiment, the account registration GUI 631 may be configured to select one of the accounts registered by the user as a withdrawal account.

FIG. 7 illustrates a GUI of a pre-subscription product information providing service displayed on a display of a user device according to various embodiments of the present disclosure.

Referring to FIG. 7 , a screen 700 for signing up for a deposit product provided through the user device 110 may be displayed. The screen 700 may include a horizontal scroll bar 710 for selecting a deposit period. The user can use the horizontal scroll bar 710 to select a deposit period (e.g., June, December, 18, 24, etc.).

In one embodiment, the horizontal scroll bar 710 may display information about deposit products for which the user has already signed up. For example, an object representing the expiration date of a deposit product for which the user has already signed up may be displayed at one point of the horizontal scroll bar 710. In the example of Figure 7, an object 711 representing the first subscription product and an object 712 representing the second subscription product are displayed. The first subscription product is a product that expires about 31 months after the current time and can be displayed at the position indicating 31 months of the horizontal scroll bar 710. The second subscription product is a product that expires approximately 13 months after the current time and may be displayed at the position indicating 13 months of the horizontal scroll bar 710.

The system server 120 can identify information about the user's subscription product based on personal financial information. In one embodiment, the horizontal scroll bar 710 may further include a switch 710a that turns on and off information about already-subscribed deposit products.

In one embodiment, when a user selects (or touches) an object representing a pre-subscription product on the screen 700 displayed on the user device 110, specific information about the pre-subscription product may be provided. In the example of FIG. 7 , when the user touches the object 711 representing the first subscription product, a pop-up window 720 displaying specific information about the subscription product may be further displayed on the screen 700. This disclosure can help users establish an asset management plan by displaying information about already-subscribed deposit products, especially the maturity date, when signing up for a deposit product.

The description of the present application described above is for illustrative purposes, and those skilled in the art will understand that the present application can be easily modified into other specific forms without changing its technical idea or essential features. Therefore, the embodiments described above should be understood in all respects as illustrative and not restrictive. For example, each component described as single may be implemented in a distributed manner, and similarly, components described as distributed may also be implemented in a combined form.

Above, we have looked in detail at the object sought to be claimed in this disclosure. The subject matter claimed in this disclosure is not limited in scope to the specific implementation examples described above. For example, in some implementations it may be in the form of hardware operatively used on a device or combination of devices, in other implementations it may be implemented in the form of software and/or firmware, and in still other implementations it may be implemented in the form of signal bearings. It may include one or more items such as media and storage media. Here, a storage medium such as a CD-ROM, computer disk, flash memory, etc., when executed by a computing device such as, for example, a computing system, computing platform, or other system, may cause execution of the corresponding processor according to the embodiment described above. Commands can be saved. Such a computing device may include one or more processing units or processors, one or more input/output devices such as a display, keyboard, and/or mouse, and one or more memory such as static random access memory, dynamic random access memory, flash memory, and/or a hard drive. may include.

The foregoing detailed description illustrates various embodiments of devices and/or processes through block diagrams, flow diagrams, and/or other examples. Such block diagrams, flowcharts, and/or other examples will include one or more functions and/or operations, and those of ordinary skill in the art will understand that each function and/or operation within the block diagrams, flowcharts, and/or other examples includes hardware, software, firmware, Alternatively, it will be understood that any combination thereof may be implemented individually or collectively. In various embodiments, some portions of the subject matter described in this disclosure may be implemented via an Application Specific Integrated Circuit (ASIC), Field Programmable Gate Array (FPGA), Digital Signal Processor (DSP), or other form of integration. Alternatively, some aspects of embodiments of the present disclosure may include one or more computer programs running on one or more computers (e.g., one or more programs running on one or more computer systems), one or more programs running on one or more processors (e.g., one or more programs running on one or more computer systems), (e.g., one or more programs running on one or more microprocessors), firmware, or substantially any combination thereof, may also be implemented in whole or in part on an integrated circuit, including writing code for software and/or firmware. and/or design of circuits are within the scope of skill of those skilled in the art in light of this disclosure. Additionally, those skilled in the art will understand that the mechanisms of the subject matter of this disclosure may be distributed in a variety of program products, and the examples of the subject matter of this disclosure apply regardless of the specific type of signal bearing medium used to actually perform the distribution. You will understand.

Although certain example techniques have been described and shown herein using various methods and systems, those skilled in the art will recognize that various other modifications or equivalents may be substituted without departing from the claimed subject matter. Additionally, many modifications may be made to adapt the teachings of the claimed subject matter to particular situations without departing from the central concept described herein. Accordingly, it is intended that the claimed subject matter not be limited to the specific examples disclosed, but that such claimed subject matter may also include all embodiments that fall within the scope of the appended claims and their equivalents.

The scope of the present disclosure is indicated by the claims described below rather than the detailed description above, and all changes or modified forms derived from the meaning and scope of the claims and their equivalent concepts should be construed as being included in the scope of the present application. do.

Claims (9)

In a method performed on a system server to provide distributed deposit services within depositor protection limits,
Providing information about a plurality of deposit products to a user device and receiving a subscription request for a first deposit product among the plurality of deposit products;
Receiving a deposit period for the first deposit product entered by the user through the user device and a request to confirm the deposit amount from a financial institution for the first deposit product;
In response to receiving the request to confirm the pre-deposited amount, receiving personal financial information about the user of the user device and identifying the pre-deposited amount based on the personal financial information;
calculating an expected interest based on the first deposit application amount input by the user through the user device and the deposit period; and
Method comprising providing the calculated expected interest to the user device. According to paragraph 1,
The method further includes displaying a warning message on the user device when the sum of the first deposit application amount and the expected interest exceeds the depositor protection limit. According to paragraph 1,
In response to the step of receiving the request for confirmation of the pre-deposit amount, receiving personal financial information about the user of the user device and identifying the pre-deposit amount based on the personal financial information, the received personal financial information It includes the step of identifying the pre-deposit amount based on the result of comparing the information of the financial company,
The method wherein the personal financial information includes account information about at least one account for the user, and the account information includes a financial institution name, branch name, financial product name, and balance. According to paragraph 3,
From the account information included in the received personal financial information, identifying whether an identifier stored in the value of first layer data for the at least one account represents a first financial institution or a second financial institution; and
When the first layer data value of the at least one account is an identifier representing a second financial institution, converting the identifier representing the branch name stored in the second layer data value into a first layer data value,
The step of identifying the pre-deposit amount based on a result of comparing the received personal financial information and financial company information may include, when the first layer data value of the at least one account is an identifier representing a second financial institution, the second layer After converting the identifier indicating the branch name stored in the data value into a first layer data value, comparing the value of the first layer data with a value stored in financial company information and corresponding to the value of the first layer data. What to do, how to do it. According to paragraph 1,
Receiving a subscription request for a second deposit product among a plurality of deposit products from the user device;
Receiving a deposit period and a second deposit request amount for the second deposit product input by the user through the user device;
Receiving information about at least one withdrawal account from the user device; and
Further comprising the step of receiving a withdrawal request amount for each of the at least one withdrawal account,
Activate the account opening button for the first deposit product and the second deposit product only when the sum of the withdrawal request amount for each of the at least one withdrawal account is greater than or equal to the first deposit request amount and the second deposit request amount. And, if the sum of the withdrawal request amount is less than the first deposit request amount and the second deposit request amount, the account opening button is deactivated. According to clause 5,
The method further comprising receiving deposit account information upon expiration from the user device. According to paragraph 1,
Based on the received personal financial information, identifying information about a deposit product for which the user has already signed up; and
When providing a page for inputting the deposit period for the first deposit product through the user device, displaying the deposit period of the already-subscribed deposit product based on information about the already-subscribed deposit product. How to include more. In clause 7,
When providing a page for inputting a deposit period for the first deposit product through the user device, an object for entering the deposit period includes a horizontal scroll bar listing deadlines, and the already-subscribed deposit A method wherein the deposit period of the product is displayed at one point of the horizontal scroll bar. In a system that provides distributed deposit services within depositor protection limits,
The system servers included in the above system are:
providing information on a plurality of deposit products to a user device and receiving a subscription request for a first deposit product among the plurality of deposit products;
Receiving a request to confirm the deposit period for the first deposit product and the financial company's existing deposit amount for the first deposit product entered by the user through the user device;
In response to receiving the pre-deposit amount confirmation request, receiving personal financial information about the user of the user device and identifying the pre-deposit amount based on the personal financial information;
Calculating an expected interest based on the first deposit application amount input by the user through the user device and the deposit period;
A system configured to provide the calculated expected interest to the user device.