KR20160105273A - Method of providing financial favor and server performing the same - Google Patents

Method of providing financial favor and server performing the same Download PDF

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Publication number
KR20160105273A
KR20160105273A KR1020150123168A KR20150123168A KR20160105273A KR 20160105273 A KR20160105273 A KR 20160105273A KR 1020150123168 A KR1020150123168 A KR 1020150123168A KR 20150123168 A KR20150123168 A KR 20150123168A KR 20160105273 A KR20160105273 A KR 20160105273A
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South Korea
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user
financial
providing
customer
card
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KR1020150123168A
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Korean (ko)
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소환영
오광근
노지훈
임광훈
김병윤
조병혁
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주식회사 우리은행
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Publication of KR20160105273A publication Critical patent/KR20160105273A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0211—Determining the effectiveness of discounts or incentives
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0212—Chance discounts or incentives
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0224—Discounts or incentives, e.g. coupons or rebates based on user history
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G06Q40/025—

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • General Physics & Mathematics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Game Theory and Decision Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

According to an embodiment of the present invention, a method of providing financial benefit performed in a server of a financial corporate comprises: a step of checking frequency of financial transactions based on recordings of financial transactions related with a user; a step of determining whether to select the user as a profit contributed customer according to frequency of financial transactions of the user; and a step of providing a financial benefit for the profit contributed customer to the user if the user is selected as a profit contributed customer. Therefore, the present invention selects a user as a profit contributed customer and provides financial benefits based on a contributed profit and loss and transactions with the financial corporate regardless of assets of the user so that the financial corporate can increase good assets.

Description

METHOD OF PROVIDING FINANCIAL FAVOR AND SERVER PERFORMING THE SAME,

Embodiments of the present invention relate to a method for providing financial benefits and a financial server for executing the method.

Financial institutions are providing various financial benefits by preempting the best customers among those who execute financial transactions. Generally, financial institutions are providing financial benefits such as exemption of fees, preferential loan interest, etc., by preempting customers with a certain amount or more of the amount deposited by the customer in the company as a good customer.

However, if a customer preempts a high-quality customer with only the amount deposited in the company's own account, it often happens that a customer who frequently uses financial institutions can not provide sufficient financial services, and consequently a customer must be conceded to another financial institution do.

Therefore, financial institutions need to provide comprehensive financial services to their customers to increase their assets and provide customized products suitable for their customers.

The present invention relates to a method of providing a financial benefit that can increase a good asset by providing a financial benefit by selecting a corresponding user as a profit contribution customer based on the contribution contribution profit and transaction amount regardless of a user's asset and a financial server The purpose is to provide.

In addition, the present invention provides a method of providing a financial benefit that enables a user to be prevented from being deviated from another by providing additional financial benefits by confirming that the user continues to be a revenue-contributing customer in providing financial benefits to the user, and And it is an object of the present invention to provide a financial company server that executes this.

The problems to be solved by the present invention are not limited to the above-mentioned problem (s), and another problem (s) not mentioned can be clearly understood by those skilled in the art from the following description.

Among the embodiments, a financial benefit providing method executed in a server of a financial company includes a step of checking a financial transaction frequency based on a financial transaction history associated with a user, a step of determining whether a user is a profit contribution customer according to the financial transaction frequency of the user And providing the financial benefit to the user when the user is selected as a profit contribution customer.

Among the embodiments, the financial service server reads the financial transaction details associated with the user in the financial transaction history DB, in which the financial transaction details are stored for each user, the financial transaction history DB, and confirms the financial transaction frequency based on the financial transaction details A profit contribution customer selecting unit for determining whether to select the user as a profit contribution customer according to the financial transaction frequency of the user and a financial benefit providing unit for providing the financial benefit to the user when the user is selected as a profit contribution customer do

The details of other embodiments are included in the detailed description and the accompanying drawings.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and / or features of the present invention, and how to accomplish them, will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. It should be understood, however, that the invention is not limited to the disclosed embodiments, but is capable of many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

According to the present invention, there is an advantage that a good user can be selected as a profit contribution customer based on the contribution contribution profit and transaction amount, regardless of the user's asset, and the financial benefit can be provided.

Also, according to the present invention, in the process of providing the financial benefit to the user, it is confirmed that the user is continuously maintained as the profit contribution customer, and further the additional financial benefit is provided, so that the user can be prevented from falling into the other way.

1 is a network configuration diagram illustrating a financial benefit providing system according to an embodiment of the present invention.
2 is a block diagram illustrating an internal structure of a financial company server according to an embodiment of the present invention.
FIG. 3 is a flowchart illustrating an embodiment of a method for providing financial benefits according to the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

As used herein, the term " revenue contribution customer " means a customer who contributes to the creation of a bank's profit. Here, the activities contributing to the generation of profits include the transfer of salaries, automatic transfer of apartment management fees, automatic transfer of utility bills, automatic transfer of credit card, automatic transfer of premium payment, loan, financial products (for example, , Signing up for a fund, etc.).

1 is a network configuration diagram illustrating a financial benefit providing system according to an embodiment of the present invention.

Referring to FIG. 1, a financial benefit providing system includes a financial company server 100 and a user terminal 200.

The financial company server 100 selects the user as a revenue contribution customer based on the financial transaction frequency based on the financial transaction history associated with the user, and selects a financial contribution company (for example, Woori Bank). In one embodiment, the financial company server 100 may provide a user with an account for a revenue-contributing customer and provide financial benefits (e.g., fee exemption, commission fee, etc.) at the transaction via a revenue-contributing customer account .

In another embodiment, the financial company server 100 issues and provides a profitable customer card to the user, and provides a financial benefit (e. G., Point payment, A three-month interest-free installment, an additional service, etc.).

In yet another embodiment, the financial services server 100 may provide a lending service to the user.

In this embodiment, the financial institution server 100 does not require the user to check the income of the maritime user when the user is a US income earner (for example, a student, a housewife, etc.) The user can provide the loan service within a predetermined limit. For example, a 0.1% weight corresponding to the user's credit rating may be assigned to each of the user's income, credit card usage history, premium transfer history, and health insurance fee transfer history.

Here, a weight corresponding to the user's credit rating and the user's financial pattern may be assigned to each of the user's income and financial transaction history. Here, the user's financial pattern can be determined according to the user's financial transaction history by a consumption-oriented pattern, a savings-oriented pattern, an investment-oriented pattern, a long-term profit-oriented pattern, or a short-term profit- For example, if the customer has no savings, funds, etc., but only uses the card, the user's financial pattern can be determined as a consumption-oriented pattern. For another example, if the user's savings and savings are one-year products, the user's financial pattern may be determined as a short-term profit-oriented pattern.

In addition, in another embodiment, the financial service server 100 may provide a loan service within a predetermined limit if the user is an employee, and provide a preferential rate to the user if the user's work is a main business, can do.

Also, in another embodiment, the financial service server 100 may provide an automatic transfer loan service for a communication fee, an apartment management fee, etc. according to transaction performance of a user. In other words, for a user who meets certain requirements such as transaction performance, he / she can pay for the communication expenses (SKT, KT, LG and other major communication companies, The withdrawal of the corresponding amount may be made through automatic lending to the set payment date. In other words, if the transaction performance of the user satisfies the requirements, payment service through automatic lending can be provided in the form similar to a normal negative account, etc. However, in this case, the amount automatically loaned is used only for the prescribed purpose It may be desirable to be configured such that the use of a use other than a prescribed use (for example, a service such as a user's cash withdrawal) is not allowed.

Here, the certain requirements such as the above transaction performance may be the transfer result of salary or pension, the automatic transfer performance such as the apartment management fee or utility bills, and the card usage result, etc., A determination can be made to be made.

At this time, it is natural that the automatic loan for the communication cost or the apartment management fee can be made within a predetermined limit (for example, one million won), and the loan period or the loan interest rate can be applied preferentially so as to correspond to the requirements of the transaction performance It is also natural.

As described above, the financial company server 100 selects a user as a revenue-contributing customer based on the financial transaction frequency based on the financial transaction details associated with the user regardless of the user's asset, and provides the profit- Credit cards, loan services, etc. to provide new customers and to expand existing customer transactions.

The terminal 200 of the user may be a mobile terminal, a smart phone, a notebook computer, a personal digital assistant (PDA), or the like, which is held by a user who accesses the financial company server 100 and executes a financial transaction.

When the user terminal 200 is selected as a revenue contribution customer by the financial company server 100, the user terminal 200 can receive the financial benefit provided by the financial company.

2 is a block diagram illustrating an internal structure of a financial company server according to an embodiment of the present invention.

Referring to FIG. 2, the financial company server 100 includes a profit contribution customer selecting unit 110, a financial benefit providing unit 120, a financial transaction history DB 130, and a control unit 140.

The revenue contribution customer selecting unit 110 reads the financial transaction history associated with the user in the financial transaction history DB 130, confirms the frequency of financial transaction based on the financial transaction history, It is selected as profit contribution customer.

In one embodiment, the revenue contributing customer choosing unit 110 may determine whether the user is transferring salaries, automatically transferring apartment management fees, automatically transferring utility bills, automatically transferring the card based on the financial transaction details associated with the user, The frequency of the financial transaction can be confirmed according to whether at least one of whether or not the user has a loan, whether it is a loan, whether a financial product (for example, insurance, savings, deposit, etc.) is set.

In such an embodiment, the revenue contribution customer preference 110 may select a user as a revenue contribution customer if there are more than a predetermined number of predetermined financial transactions based on the financial transaction history associated with the user.

The financial benefit provider 120 opens and manages a profit contribution customer account associated with a user selected as a profit contribution customer. The type of account may include at least one of free deposit and withdrawal, deposit, trust and deposit.

The financial benefit provider 120 may additionally receive the additional information of the account from the user terminal 200 and apply it to the account. The additional information of the account may include at least one of a transfer limit amount for the account and a withdrawal limit amount. If the account is an account linked to an investment grade financial instrument, that is, if the account is at least one of a deposit, a trust, and a deposit, it may include financial instrument attribute information associated with the account.

The financial benefit providing unit 120 may store the account opening history when the account for the profit contribution customer is completed. The account opening history may include information about a user associated with the account. The information about the user may include at least one of a country code, a customer classification, a customer name, a customer address, a region identification code, a telephone number, a company address, a business telephone number, an account number, an initial transaction date and a final transaction date.

The financial benefit provider 120 provides the number of preferential transfer fees on a monthly basis based on the number of predetermined financial transactions based on the financial transaction details associated with the user. For example, the financial benefit offerer 120 may provide five transfer fares preferential rates if the number of predetermined financial transactions is one based on the financial transaction details associated with the user, Dogs.

The financial benefit offerer 120 carries forward the number of transfer fees not used for the month to the next month. At this time, the financial benefit offerer 120 accumulates an unlimited number of preferential transfer fees regardless of the number of preferential transfer fees associated with the user.

As described above, according to the present invention, since the number of preferential transfer fees is carried over to the next month, it is possible to prevent the user from departing into another bank.

The financial benefit provider 120 issues and manages a profit contribution customer card associated with a user selected as a profit contribution customer.

The financial benefit offerer 120 pays a card point for a certain period of time if a passbook for profit contribution customers is used during a specific period. For example, the financial benefit offerer 120 may pay 15,000 points as a card point if a passbook for a profit contributor is used for six months.

When the user uses the profit contribution customer card at the merchant, the financial benefit provider 120 accumulates part of the card payment amount as card mileage.

In one embodiment, the financial benefit offerer 120 may credit a specific percentage of a specific amount of money to a credit card amount when the payment for the revenue contribution customer card is approved. For example, the financial benefit offerer 120 can accumulate 200 mileage, which is 1%, as card mileage if the card payment amount is 20,000 won.

In another embodiment, the financial benefit offerer 120 may accumulate specific card mileage for each card payment amount. For example, if 1 mileage per 1,000 won is accumulated and the card payment amount is 10,000 won, the financial benefit provider 120 can accumulate 10 mileage credit.

The financial benefit provider 120 accumulates mileage of different ratios of the card payment amount according to the type of the profit contribution customer card at the merchant by the user.

In one embodiment, the financial benefit offerer 120 may accumulate a certain percentage of the card settlement amount into card mileage if the card used by the user at a particular merchant is a credit card. For example, the financial benefit provider 120 may accumulate 1% of the amount of the card payment to the card mileage upon payment with the credit card.

In another embodiment, the financial benefit offerer 120 may accumulate a certain percentage of the check card settlement amount to the card mileage if the card used by a particular merchant by the user is a check card. For example, the financial benefit provider 120 may accumulate 0.3% of the amount of the card payment as a card mileage when paying with the check card.

The financial benefit providing unit 120 does not execute the card mileage accumulation according to the card payment amount.

In one embodiment, the financial benefit offerer 120 may not accumulate card mileage if the card payment amount is below a certain amount. For example, if the amount of the card payment is less than 10,000 won, the card mileage accumulation may not be executed.

The financial benefit provider 120 converts the card mileage to another kind of mileage at the request of the user.

In one embodiment, the financial benefit offerer 120 may convert card mileage to airline mileage upon user request. In one embodiment, the financial benefit offerer 120 may convert per-user card mileage to domestic airline mileage. For example, the financial benefit provider 120 can convert 10000 points of card mileage per user to 10,000 points of domestic airline mileage.

In another embodiment, the financial benefit offerer 120 may convert the per-user card mileage to the overseas airline mileage based on the exchange rate corresponding to the mileage conversion date.

The financial benefit provider 120 accumulates bonus mileage for each user in the card mileage.

In one embodiment, the financial benefit offerer 120 may accumulate bonus mileage in the card mileage according to the user's card usage record. For example, the financial benefit offerer 120 may accumulate 10,000 bonus miles in the card mileage if the user's card usage amount is over 30,000,000 won. In another example, the financial benefit offerer 120 may accumulate 20,000 bonus mileage on the card mileage if the user's card usage amount is over 50,000,000 won.

The financial benefit provider 120 may apply an interest-free service to the installment item of the card usage history of the user so that the installment fee is not charged. For example, the financial benefit offerer 120 may apply an interest-free service for the settlement of accounts for 2 to 3 months so that the installment fee is not charged.

The financial benefit provider 120 may provide different supplementary services depending on the annual fee of the user's card and the card usage result of the previous month.

In one embodiment, the financial benefit offerer 120 may provide a greater number of additional services as the user's previous month's card usage is greater than a certain amount and the annual fee of the user's card is higher. For example, when the power card usage result is over 300,000 won and the annual fee for the card is 20,000 won, the financial benefit offerer 120 can provide supplementary services such as movie discount, amusement park discount, coffee discount, etc. Financial The benefit provider 120 provides a loan service at a specific interest rate within a predetermined limit when the user is an employee. For example, the financial benefit offerer 120 can provide a loan service of up to 3.22% within a maximum of 200 million won.

In one embodiment, the financial benefit offerer 120 may check whether the user's workplace is a main business if the user is an employer and provide a lending service by providing a preferential rate to the user if the user's workplace is a mainstream company. have.

In this case, the main business enterprise is a company that has a certain number or more of employees (for example, 300 or more) belonging to a company, a credit rating of a certain grade or higher (for example, BBB + it means. The criteria for selecting a main business enterprise are whether or not they have a fixed amount of deposits above a certain amount, whether they are carrying out automatic deposit of deposits over a certain amount, whether they hold foreign currency deposits with a certain amount or more, Whether or not the fund has a deposit fund of a certain amount or more, and the like.

The financial benefit providing unit 120 does not require the user to confirm the user's income in the case where the user is a US income earner (for example, a housewife, a student, etc.) To provide a loan service at a specific interest rate. Here, the estimated income of the user may be calculated by assigning weights corresponding to the user's credit rating and the financial pattern of the user to each of the user's income and financial transaction details.

For example, the financial benefit offerer 120 can provide a loan service of up to 5.32% within a maximum of 5 million won. In general, a housewife and a student who do not have an income can not receive a credit loan from a bank. However, in the present invention, when a user is set as a profit contribution customer, loyalty can be expected by providing a loan service regardless of a user's income, Can be prevented.

In one embodiment, the financial benefit offerer 120 may provide the user with a loan service within a predetermined limit without requiring the user to obtain a certificate verifying the user's income.

The financial benefit provider 120 provides the user with a loan and checks whether or not a predetermined number of financial transactions are maintained over a predetermined period based on the financial transaction history associated with the user, Part of the interest is paid in cash back.

In one embodiment, if the financial benefit offerer 120 determines that a predetermined number of financial transactions have been maintained for more than a predetermined number of financial transactions based on the financial transaction history associated with the user, the financial benefit provider 120 may provide a certain percentage (e.g., 1% .

Thus, if the profit contribution customer maintains the predetermined financial transaction even after receiving the loan service, the user can prevent the user from deviating to the other party by paying a certain percentage of the loan interest amount to the cash back.

The financial benefit offerer 120 provides the user with a loan and increases the loan limit of the user if the user is a profit-contributing customer after a predetermined period of time has elapsed. Thus, the loyalty of the user can be expected by increasing the loan limit after a certain period of time has elapsed since the profit contribution customer receives the loan service.

In one embodiment, the financial benefit offerer 120 may provide an automatic transfer loan service for a communication fee, an apartment management fee, etc. according to the transaction performance of the user. In other words, even if the user's bankbook balance is insufficient for the communication expenses (mobile communication fee or Internet fee, etc.) and the apartment management fee that have been automatically settled for the users meeting certain requirements such as transaction performance, So that the withdrawal of the amount of money can be performed. Here, with certain requirements such as the above transaction performance, automatic transfer setting such as the transfer result of salary or pension, apartment management fee or utility bills, and the transfer result and card use result through such transfer may be used. It has been described above that the determination as to whether or not the customer is available for lending can be made.

The financial transaction history DB 130 stores financial transaction details for each user. Herein, the financial transaction details include the user's salary transfer, the automatic transfer of the apartment management fee, the automatic transfer of utility bills (for example, water and electricity), and the automatic transfer of the credit card. Here, the card amount includes a card amount of a card company (e.g., our card) associated with the banking business, and a card amount of a card company (e.g., Shinhan card, etc.)

The control unit 140 may control the other components of the financial service server 100 to provide a financial benefit providing procedure.

FIG. 3 is a flowchart illustrating an embodiment of a method for providing financial benefits according to the present invention.

Referring to FIG. 3, the financial company server 100 checks the financial transaction frequency based on the financial transaction details associated with the user (step S310).

In one embodiment of the step S310, the financial institution server 100 determines whether the user's salary transfer, the automatic transfer of the apartment management fee, the automatic payment of the utility bill, the automatic transfer of the credit card amount, The financial transaction frequency can be confirmed according to whether or not at least one of the transfer status, the loan status and whether or not the financial products (for example, insurance, savings, deposit, etc.) is set.

The financial company server 100 selects the user as a profit contribution customer according to the financial transaction frequency of the user (step S320).

In one embodiment of the step S320, the financial institution server 100 may select a user as a profit contribution customer when a predetermined number of financial transactions are present based on a financial transaction history associated with the user.

The financial company server 100 provides a financial benefit to the user when the user is selected as a profit contribution customer (step S330).

In one embodiment of the step S330, the financial service company server 100 confirms whether the user's workplace is a main business if the user is an office worker, provides a preferential rate to the user if the user's workplace is a main business enterprise, can do.

In another embodiment of the step S330, the financial service company server 100 may provide the user with a loan service within a predetermined limit to the user without requesting the user to obtain a certificate for confirming the user's income when the user is a US- have.

In yet another embodiment of step S330, the financial services company server 100 provides a loan to the user and determines whether or not a predetermined number of financial transactions have been maintained based on the financial transaction history associated with the user at a point in time when a specific period elapses And can pay out part of the interest on the loan service as a cash back according to the confirmation result.

In another embodiment of the step S330, the financial company server 100 may provide an automatic transfer loan service for a communication fee, an apartment management fee, etc. according to a transaction performance of a user. In this case, it has been described that the loan service can be performed in a manner similar to a normal negative account, and the loan amount can be restricted to be used only for a designated purpose, such as automatic transfer of communication charges or automatic transfer of apartment management expenses.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the scope of the appended claims and equivalents thereof.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, Modification is possible. Accordingly, the spirit of the present invention should be understood only in accordance with the following claims, and all equivalents or equivalent variations thereof are included in the scope of the present invention.

100: Financial company server
110: Revenue Contribution
120: Financial Benefit Offering
130: Financial transaction history DB
140:
200: User terminal

Claims (28)

In a method for providing a financial benefit to be executed on a server of a financial institution,
Confirming the frequency of financial transactions based on the financial transaction details associated with the user;
Determining whether the user is to be selected as a revenue contribution customer according to the financial transaction frequency of the user; And
And providing the financial benefit to the user if the user is selected as a revenue contribution customer
How to provide financial benefits.
The method according to claim 1,
The step of verifying the financial transaction frequency based on the financial transaction details associated with the user
Based on the financial transaction details related to the user, whether or not the user transfers the salary, whether the apartment management fee is automatically transferred, whether the automatic payment of the utility bill is automatically made, whether the automatic transfer of the credit card money is made, whether the insurance money is automatically transferred, And checking whether the financial transaction frequency is based on whether or not one of the financial transaction frequencies is set
How to provide financial benefits.
The method according to claim 1,
The step of determining whether to select the user as a profit contribution customer according to the financial transaction frequency of the user
Determining whether the user is to be selected as a profit contribution customer when a predetermined number or more of the predetermined financial transactions are present based on the financial transaction details associated with the user
How to provide financial benefits.
The method according to claim 1,
Providing the financial benefit to the user when the user is selected as a main customer
And providing a loan service to the user
How to provide financial benefits.
5. The method of claim 4,
The step of providing a loan service to the user
Confirming whether the user's workplace is a main business when the user is an employee;
Providing the user with a preferential rate to provide a loan service if the user's workplace is a mainstream company; And
And providing the user with a loan service within a predetermined limit to the user if the user's workplace is not a mainstream company
How to provide financial benefits.
6. The method of claim 5,
The main business
The number of employees belonging to the company is more than a certain number, the credit rating of the company is higher than a specific grade,
The conditions for selection of the above-mentioned main enterprise are
Whether you have a deposit on a certain amount of money or not, whether you are carrying out automatic deposit of a deposit over a certain amount, whether you have a foreign currency deposit of a certain amount or more, a history of exchange of money over a certain amount, And whether or not the investor has a deposit-type fund having a specified amount or more.
How to provide financial benefits.
5. The method of claim 4,
The step of providing a loan service to the user
And providing the loan service within a predetermined limit to the user according to the estimated income of the user without requesting the user to confirm the income of the user when the user is an US income earner To
How to provide financial benefits.
8. The method of claim 7,
The estimated income of the user is
And a weight corresponding to the credit rating of the user and the financial pattern of the user are assigned to the user's income and the financial transaction details of the user,
How to provide financial benefits.
5. The method of claim 4,
The step of providing a loan service to the user
Providing a loan to the user and confirming whether a predetermined number or more of predetermined financial transactions are maintained based on a financial transaction history associated with the user at a point in time when a specified period elapses; And
And paying a portion of the interest for the loan service as a cash back in accordance with the result of the check
How to provide financial benefits.
5. The method of claim 4,
The step of providing a loan service to the user
Automatically charging the user for the communication fee or the apartment management fee set for the automatic transfer by providing the loan service within a predetermined limit on the transfer date when the account balance is insufficient
How to provide financial benefits.
The method according to claim 1,
When the user is selected as a main customer, providing the user with a financial benefit for a profit contribution customer
And providing a benefit associated with the account for the profit contribution customer by opening an account for the profit contribution customer to the user
How to provide financial benefits.
12. The method of claim 11,
The step of providing benefits associated with the account for the revenue contribution customer
Providing a preferential frequency of transfer fees based on the number of financial transactions settled on a monthly basis based on the financial transaction details associated with the user; And
And transferring the number of transfer fee incentives not used for the month to the next month
How to provide financial benefits.
The method according to claim 1,
When the user is selected as a main customer, providing the user with a financial benefit for a profit contribution customer
And issuing a revenue contribution customer card to the user to provide benefits associated with the revenue contribution customer card
How to provide financial benefits.
14. The method of claim 13,
The step of providing benefits associated with the revenue contribution customer card
Paying the card point corresponding to the specific period if the passbook for the profit contribution customer is used during a specific period;
Charging a portion of the card payment amount through the profit contribution customer card to a card point; And
And providing an additional service associated with the card for revenue contribution customers
How to provide financial benefits.
A financial transaction history DB storing financial transaction details for each user;
The financial transaction details related to the user are read out from the financial transaction history DB, the financial transaction frequency is checked based on the financial transaction details, and whether the user is selected as a profit contribution customer according to the financial transaction frequency of the user is determined Revenue Contribution Customer Government; And
And a financial benefit providing unit for providing the user with a financial benefit for a profit contribution customer when the user is selected as a revenue contribution customer
Financial services server.
16. The method of claim 15,
The revenue contribution customer selection section
Based on the financial transaction details related to the user, whether or not the user transfers the salary, whether the apartment management fee is automatically transferred, whether the automatic payment of the utility bill is automatically made, whether the automatic transfer of the credit card money is made, whether the insurance money is automatically transferred, The financial transaction frequency is checked based on whether or not one of the financial transaction frequencies is set
Financial services server.
16. The method of claim 15,
The revenue contribution customer selection section
And the user is selected as a profit contribution customer when a predetermined number or more of predetermined financial transactions are present based on the financial transaction details associated with the user
Financial services server.
16. The method of claim 15,
The financial benefit provider
And provides a loan service to the user
Financial services server.
19. The method of claim 18,
The financial benefit provider
And providing a lending service within a predetermined limit to the user, checking whether the user's workplace is a main business if the user is an employee, providing a preferential rate to the user if the user's workplace is a mainstream business, Characterized by providing a service
Financial services server.
20. The method of claim 19,
The main business
The number of employees belonging to the company is more than a certain number, the credit rating of the company is higher than a specific grade,
The conditions for selection of the above-mentioned main enterprise are
Whether you have a deposit on a certain amount of money or not, whether you are carrying out automatic deposit of a deposit over a certain amount, whether you have a foreign currency deposit of a certain amount or more, a history of exchange of money over a certain amount, And whether or not the investor has a deposit-type fund having a specified amount or more.
Financial services server.
19. The method of claim 18,
The financial benefit provider
When the user is a US income earner, provides a loan service within a predetermined limit for the user according to the estimated income of the user without requesting the user to obtain a certificate verifying the income of the user
Financial services server.
22. The method of claim 21,
The estimated income of the user is
And a weight corresponding to the credit rating of the user and the financial pattern of the user are assigned to the user's income and the financial transaction details of the user,
Financial services server.
19. The method of claim 18,
The financial benefit provider
Providing a loan to the user and confirming whether a predetermined number of financial transactions are maintained or not based on a financial transaction history associated with the user at a point of time when a specific period elapses; Characterized in that a portion is paid out as a cashbag
Financial services server.
19. The method of claim 18,
The financial benefit provider
When the account balance is insufficient for the communication fee or the apartment management fee of the user who is set to be automatically settled, the fee is automatically paid through provision of the loan service within a predetermined limit on the transfer date
Financial services server.
16. The method of claim 15,
The financial benefit provider
And providing a benefit associated with the account for the profit contribution customer by opening an account for the profit contribution customer to the user
Financial services server.
26. The method of claim 25,
The financial benefit provider
Providing the number of preferential rates of the transfer fees in accordance with the number of predetermined financial transactions based on the financial transaction details related to the user and transferring the number of preferential transfer fees not used for the month to the next month
Financial services server.
16. The method of claim 15,
The financial benefit provider
The user may be issued a revenue-contributing customer card to receive the benefit associated with the revenue-contributing customer card
And providing a benefit associated with the account for the profit contribution customer by opening an account for the profit contribution customer to the user
Financial services server.
28. The method of claim 27,
The financial benefit provider
If the passbook for the profit contribution customer is used during a specific period, the card point corresponding to the specific period is paid out, a portion of the card payment amount through the profit contribution customer card is accumulated in the card point, To provide an additional service associated with < RTI ID = 0.0 >
Financial services server.
KR1020150123168A 2015-02-26 2015-08-31 Method of providing financial favor and server performing the same KR20160105273A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20210011526A (en) * 2019-07-22 2021-02-02 갤럭시아머니트리 주식회사 Method for processing settlement using electronic code and system therefor

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20210011526A (en) * 2019-07-22 2021-02-02 갤럭시아머니트리 주식회사 Method for processing settlement using electronic code and system therefor

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