WO2024117308A1 - Multi-account integrated management device - Google Patents

Abstract

A multi-account integrated management device according to one embodiment of the present disclosure comprises: a communication module for communicating with each of a first bank server in which a first account of a user is registered, a second bank server in which a second account of the user is registered, and a user terminal of the user; a memory for storing at least a portion of data received through the communication module; and a processor for requesting, on the basis of the data stored in the memory, the second bank server to perform a first different-bank transfer from the second account to the first account, wherein the data stored in the memory includes transfer approval information of the first bank server, transfer approval information of the second bank server, and first target information of the first account, previously determined by means of the user terminal, and the processor can allocate, to the first target information, a deposit transferred to the first account through the first different-bank transfer.

Description

Multi-account integrated management device

This disclosure relates to a multi-account integrated management device.

Interest in systematic asset management through so-called ‘bank account splitting’ is increasing. This is because it becomes easier to understand the flow of assets when assets are managed according to individual purposes. However, in conventional financial services, users can simply identify assets based on accounts through open banking, so not only is it inconvenient to open a new account to manage assets according to purpose, but it also requires a systematic management system. It is difficult to build.

In order to solve the above-mentioned problem, the present disclosure provides a multi-account integrated management device configured to manage assets according to the user's purpose without opening an additional account.

The multi-account integrated management device according to an embodiment of the present disclosure is configured to communicate with each of the first bank server where the user's first account is registered, the second bank server where the user's second account is registered, and the user's user terminal. a communication module, a memory configured to store at least a portion of data received through the communication module, and a processor that requests a first interbank transfer from a second account to a first account to a second bank server based on the data stored in the memory. The data stored in the memory includes transfer approval information of the first bank server, transfer approval information of the second bank server, and first target information of the first account predetermined by the user terminal, and the processor The deposit transferred to the first account can be assigned to the first target information.

According to one embodiment, the processor may perform the first cross-border transfer in response to reaching the timing of the first cross-border transfer included in the first target information.

According to one embodiment, the processor may perform the first cross-bank transfer based on amount information of the first cross-bank transfer previously included in the first target information.

According to one embodiment, in response to determining that the balance of the second account is less than the amount of the first other bank transfer based on the amount information of the first other bank transfer previously included in the first target information, the processor sends a message to the user terminal. 1 You can send push notifications related to target information. In this case, the balance of the second account may consist of deposits that are not assigned to any target information in the second account.

According to one embodiment, the processor may perform the first cross-bank transfer in response to receiving a transfer request associated with the first target information from the user terminal through the communication module.

According to one embodiment, the processor may obtain information on the amount of the first cross-bank transfer included in the first target information in response to receiving the transfer request.

According to one embodiment, the processor may determine the amount of the first cross-bank transfer based on amount information of the first cross-bank transfer included in the transfer request.

According to one embodiment, when second target information associated with the second account exists, the processor performs the first interbank transfer using at least a portion of the balance of the second account that is not allocated to the second target information. can do.

According to one embodiment, in response to receiving a request to delete the first target information from the user terminal through the communication module, the processor transfers the deposit of the first account already assigned to the first target information to a deposit in the first account that has not been assigned to the first target information. It can be distinguished from deposits in the first account.

According to one embodiment, the communication module is configured to communicate with a third bank server where the user's third account is registered, and when the second target information determined by the user terminal is present in the first account, the processor stores the information stored in the memory. Based on the data, a second interbank transfer may be performed from at least one of the second account or the third account to the first account, and the deposit transferred to the first account may be allocated to the second target information.

According to one embodiment, the communication module is configured to communicate with a third bank server where the user's third account is registered, and the processor performs a second interbank transfer from the third account to the first account based on data stored in the memory. The deposit transferred to the first account can be assigned to the first target information.

According to one embodiment, the first target information (isn't it account information?) includes first sub-target information and second sub-target information, and the processor determines at least a portion of the deposit transferred to the first account through the first interbank transfer. may be respectively allocated to the first sub-goal information and the second sub-goal information based on a predetermined ratio.

According to one embodiment, if the amount of the deposit allocated to the first target information is less than the target amount of the first target information, the processor may, in response to the deposit allocated to the first target information being withdrawn, The fine can be withdrawn from at least one of the accounts.

According to an embodiment of the present disclosure, a user can manage deposits in multiple accounts opened through a multi-account integrated management service for various purposes.

According to an embodiment of the present disclosure, a user can manage multiple accounts on one platform without opening an additional account for deposit management.

According to an embodiment of the present disclosure, a user can intuitively check the status of deposits for each account or purpose.

1 is a schematic diagram of a multi-account integrated management system according to an embodiment of the present disclosure.

Figure 2 is a schematic diagram showing a configuration in which a multi-account integrated management device is connected to communicate with a plurality of user terminals in order to implement a multi-account integrated management method according to an embodiment of the present disclosure.

Figure 3 is a block diagram showing the internal configuration of the user terminal 210 and the multi-account integrated management device according to an embodiment of the present disclosure.

FIG. 4 is a first screen 400 of a user terminal showing an example of a deposit being allocated to target information by a multi-account integrated management device according to an embodiment of the present disclosure.

Figure 5 is a second screen and a third screen of a user terminal showing an example of target information according to an embodiment of the present disclosure.

Figure 6 is a fourth screen of a user terminal showing an example of accounts managed by a multi-account integrated management device according to an embodiment of the present disclosure.

Figure 7 is a fifth screen of a user terminal showing an example of target information managed by a multi-account integrated management device according to an embodiment of the present disclosure.

Hereinafter, specific details for implementing the present disclosure will be described in detail with reference to the attached drawings. However, in the following description, detailed descriptions of well-known functions or configurations will be omitted if there is a risk of unnecessarily obscuring the gist of the present disclosure.

In the accompanying drawings, identical or corresponding components are given the same reference numerals. Additionally, in the description of the following embodiments, overlapping descriptions of identical or corresponding components may be omitted. However, even if descriptions of components are omitted, it is not intended that such components are not included in any embodiment.

Advantages and features of the disclosed embodiments and methods for achieving them will become clear by referring to the embodiments described below in conjunction with the accompanying drawings. However, the present disclosure is not limited to the embodiments disclosed below and may be implemented in various different forms. The present embodiments are merely provided to ensure that the present disclosure is complete and that the present disclosure does not fully convey the scope of the invention to those skilled in the art. It is only provided to inform you.

Terms used in this specification will be briefly described, and the disclosed embodiments will be described in detail. The terms used in this specification are general terms that are currently widely used as much as possible while considering the functions in the present disclosure, but this may vary depending on the intention or precedent of a technician working in the related field, the emergence of new technology, etc. In addition, in certain cases, there are terms arbitrarily selected by the applicant, and in this case, the meaning will be described in detail in the description of the relevant invention. Therefore, the terms used in this disclosure should be defined based on the meaning of the term and the overall content of this disclosure, rather than simply the name of the term.

In this specification, singular expressions include plural expressions, unless the context clearly specifies the singular. Additionally, plural expressions include singular expressions, unless the context clearly specifies plural expressions. When it is said that a part 'includes' a certain element throughout the specification, this means that it does not exclude other elements, but may further include other elements, unless specifically stated to the contrary.

Figure 1 is a schematic diagram of a multi-account integrated management system 100 (hereinafter referred to as 'system') according to an embodiment of the present disclosure. As shown, the system 100 may include at least one of a multi-account integrated management device 110 that provides a multi-account integrated management service, a plurality of bank servers 120_1 to 120_N, and a user terminal 130. . Here, the plurality of bank servers 120_1 to 120_N may refer to servers of a plurality of different banks. Additionally, the multi-account integrated management device 110 may refer to a manager's server (or computing device) that provides a multi-account integrated management service.

The multi-account integrated management device 110 may perform account transfers between each of a plurality of bank servers 120_1 to 120_N. For example, the multi-account integrated management device 110 may register a user registered in the second bank server 120_2 from the first account of a user registered in the first bank server 120_1 (i.e., a user of the user terminal 130). A transfer to another bank may be requested from the first bank server 120_1 so that the account transfer is performed to the second account of the same user. To this end, the multi-account integrated management device 110 may pre-store transfer approval information issued by the user terminal 130 from the first bank server 120_1 and request a transfer to another bank based on the stored transfer approval information. . That is, when the user previously linked the first account of the first bank server 120_1 to the multi-account integrated management device 110 through the user terminal 130, the first bank server 120_1 is a multi-account integrated management device. After 110's request for transfer to another bank, user information required for account transfer (e.g., account password of the first account, security card information of the first bank server 120_1, account number of the second account, etc.) A cross-bank transfer from the first account to the second account can be performed without the process of requesting input from the user.

The multi-account integrated management device 110 can perform manual transfer based on target information. For example, the multi-account integrated management device 110 may perform a transfer to another bank in response to receiving a transfer request associated with target information from the user terminal 130. At this time, transfer amount information may be included in target information or transfer request. Additionally or alternatively, the multi-account integrated management device 110 may perform a transfer to another bank based on target information previously obtained from the user terminal.

The multi-account integrated management device 110 may obtain target information for managing account transfers of a plurality of bank servers 120_1 to 120_N from the user terminal 130. Here, the target information may include information entered by the user through the user terminal 130 in order to manage deposits deposited in accounts of different banks through the multi-account integrated management device 110 according to the user's individual purpose. You can. For example, target information includes the deposit account into which deposits for purposes such as living expenses, travel expenses, housing funds, etc. are deposited, the withdrawal account from which withdrawals are made, the timing of the account transfer, the timing (or cycle) of the account transfer, and the account transfer information. It may contain information related to at least one of the amounts.

The multi-account integrated management device 110 can manage account transfers of a plurality of bank servers 120_1 to 120_N based on target information. For example, the multi-account integrated management device 110 transfers a certain amount from the first account to the second account in response to the arrival of the corresponding period, based on the timing of the account transfer and/or the amount of the account transfer included in the target information. You can request a transfer to another bank from the first bank server 120_1 so that it can be transferred to your account.

The multi-account integrated management device 110 may allocate the transferred deposit to target information. For example, when a deposit is transferred from a second account to a first account based on multi-account target information, the multi-account integrated management device 110 may allocate the transferred deposit to the target information of the second account. That is, the deposit transferred from the second account to the first account is a deposit for the target information in the first account and can be distinguished from the remaining deposits in the first account.

Figure 2 is a schematic diagram showing a configuration in which the multi-account integrated management device 230 is connected to communicate with a plurality of user terminals 210_1, 210_2, and 210_3 in order to implement a multi-account integrated management method according to an embodiment of the present disclosure. am. Here, each of the plurality of user terminals 210_1, 210_2, and 210_3 may correspond to the user terminal 130 of FIG. 1. Additionally or alternatively, the multi-account integrated management device 230 may correspond to the multi-account integrated management device 110 of FIG. 1 .

The multi-account integrated management device 230 may include a multi-account integrated management system(s) via the network 220. According to one embodiment, the multi-account integrated management device 230 includes one or more server devices capable of storing, providing, and executing a computer-executable program (e.g., a downloadable application) and data and/or a multi-account integrated management method. Alternatively, it may be connected to a database, or one or more distributed computing devices and/or distributed databases 240 based on cloud computing services. For example, the multi-account integrated management device 230 may be connected to the database 240 for storing information and data used for multi-account integrated management (e.g., transfer request, transfer approval information, target information, etc.). You can. Meanwhile, in FIG. 2, the multi-account integrated management device 230 and the database 240 are shown as separate devices, but the present invention is not limited thereto. For example, the multi-account integrated management device 230 may include a database 240.

The multi-account integrated management program provided by the multi-account integrated management device 230 is installed on each of the plurality of user terminals (210_1, 210_2, 210_3) and manages the plurality of user terminals (210_1, 210_2, 210_3) through the like. It may be provided to users.

A plurality of user terminals 210_1, 210_2, and 210_3 may communicate with the multi-account integrated management device 230 through the network 220. The network 220 may be configured to enable communication between a plurality of user terminals 210_1, 210_2, and 210_3 and the multi-account integrated management device 230. Depending on the installation environment, the network 220 may be, for example, a wired network such as Ethernet, a wired home network (Power Line Communication), a telephone line communication device, and RS-serial communication, a mobile communication network, a wireless LAN (WLAN), It may consist of wireless networks such as Wi-Fi, Bluetooth, and ZigBee, or a combination thereof. The communication method is not limited, and includes communication methods that utilize communication networks that the network 220 may include (e.g., mobile communication networks, wired Internet, wireless Internet, broadcasting networks, satellite networks, etc.) as well as user terminals (210_1, 210_2, 210_3) ) Short-range wireless communication between each may also be included.

In FIG. 2 , a smartphone 210_1, a laptop 210_2, and a desktop 210_3 are shown as examples of different user terminals, but the present invention is not limited thereto. For example, the user terminals 210_1, 210_2, and 210_3 may be any computing device capable of wired and/or wireless communication and in which a program for controlling the user terminals 210_1, 210_2, and 210_3 may be installed and executed. . In addition, Figure 2 shows three user terminals (210_1, 210_2, 210_3) communicating with the multi-account integrated management device 230 through the network 220, but is not limited thereto, and a different number of user terminals ( 210_1, 210_2, and 210_3 may be configured to communicate with the multi-account integrated management device 230 through the network 220.

According to one embodiment, the multi-account integrated management device 230 may receive information and/or data from the user terminals 210_1, 210_2, and 210_3. Here, information and/or data may refer to information and/or data acquired by an input device such as a touch screen or physical button of the user terminals 210_1, 210_2, and 210_3.

According to one embodiment, the multi-account integrated management device 230 may receive information and/or data from a database (not shown). Here, the database 240 may refer to a database in which information and/or data used for integrated management of multiple accounts are stored. In this case, the database may be included in the multi-account integrated management device 230. Additionally or alternatively, the database may be provided as a separate configuration wirelessly connected to the multi-account integrated management device 230.

Figure 3 is a block diagram showing the internal configuration of the user terminal 210 and the multi-account integrated management device 230 according to an embodiment of the present disclosure. The user terminal 210 may refer to any computing device capable of executing a program for controlling a multi-account integrated management service and capable of wired/wireless communication, for example, the smartphone 210_1 of FIG. 2, It may include a laptop (210_2), a desktop (210_3), etc. As shown, the user terminal 210 may include a memory 312, a processor 314, a communication module 316, and an input/output interface 318. Similarly, the multi-account integrated management device 230 may include a memory 332, a processor 334, a communication module 336, and an input/output interface 338. As shown in Figure 3, the user terminal 210 and the multi-account integrated management device 230 can communicate information and/or data through the network 220 using the respective communication modules 316 and 336. It can be configured so that Additionally, the input/output device 320 inputs information and/or data (e.g., user information, goal information, etc.) to the user terminal 210 through the input/output interface 318 or inputs information generated from the user terminal 210. and/or output data.

Memories 312 and 332 may include any non-transitory computer-readable recording medium. According to one embodiment, the memories 312 and 332 are non-perishable mass storage devices such as random access memory (RAM), read only memory (ROM), disk drive, solid state drive (SSD), and flash memory. It may include a (permanent mass storage device). As another example, non-perishable mass storage devices such as ROM, SSD, flash memory, disk drive, etc. may be included in the user terminal 210 or the multi-account integrated management device 230 as a separate persistent storage device separate from memory. . Additionally, the memories 312 and 332 may store an operating system and at least one program code (eg, a code for executing a multi-account integrated management program installed and running on the user terminal 210).

These software components may be loaded from a computer-readable recording medium separate from the memories 312 and 332. Recording media readable by such a separate computer may include recording media directly connectable to the user terminal 210 and the multi-account integrated management device 230, for example, floppy drives, disks, tapes, DVD/ It may include computer-readable recording media such as CD-ROM drives and memory cards. As another example, software components may be loaded into the memories 312 and 332 through the communication modules 316 and 336 rather than computer-readable recording media. For example, at least one program is loaded into the memory 312, 332 based on a computer program installed by files provided through the network 220 by developers or a file distribution system that distributes the installation file of the application. It can be.

The processors 314 and 334 may be configured to process instructions of a computer program by performing basic arithmetic, logic, and input/output operations. Instructions may be provided to the processors 314 and 334 by memories 312 and 332 or communication modules 316 and 336. For example, processors 314 and 334 may be configured to execute received instructions according to program codes stored in recording devices such as memories 312 and 332.

The communication modules 316 and 336 may provide a configuration or function for the user terminal 210 and the multi-account integrated management device 230 to communicate with each other through the network 220, and the user terminal 210 and/or The multi-account integrated management device 230 may provide a configuration or function for communicating with other user terminals or other systems (for example, a separate cloud system, etc.). For example, the processor 314 of the user terminal 210 generates a request (e.g., target information creation request, account transfer request, etc.) or data (target Information) may be transmitted to the multi-account integrated management device 230 through the network 220 under the control of the communication module 316. Conversely, a control signal or command provided under the control of the processor 334 of the multi-account integrated management device 230 passes through the communication module 336 and the network 220 to the communication module 316 of the user terminal 210. It can be received by the user terminal 210 through .

The input/output interface 318 may be a means for interaction with the input/output device 320. Specifically, the input/output device 320 may include an input device such as a camera including an audio sensor and/or an image sensor, an Inertial Measurement Unit (IMU) sensor, a keyboard, a microphone, and a mouse. Additionally, the input/output device 320 may include an output device such as a display, speaker, or haptic feedback device. As another example, the input/output interface 318 may be a means for interfacing with a device that has components or functions for performing input and output, such as a touch screen, integrated into one.

In FIG. 3 , the input/output device 320 is shown not to be included in the user terminal 210, but the present invention is not limited to this and may be configured as a single device with the user terminal 210. In addition, the input/output interface 338 of the multi-account integrated management device 230 is connected to the multi-account integrated management device 230 or an input or output device (not shown) that the multi-account integrated management device 230 may include. ) may be a means for interfacing with. In FIG. 3, the input/output interfaces 318 and 338 are shown as elements configured separately from the processors 314 and 334, but the present invention is not limited thereto, and the input/output interfaces 318 and 338 may be configured to be included in the processors 314 and 334. there is.

The user terminal 210 and the multi-account integrated management device 230 may include more components than those shown in FIG. 3 . However, there is no need to clearly show most prior art components. According to one embodiment, the user terminal 210 may be implemented to include at least some of the input/output devices 320 described above. Additionally, the user terminal 210 may further include other components such as a transceiver, a global positioning system (GPS) module, a camera, various sensors, and a database. For example, if the user terminal 210 is a smartphone, it may include components generally included in a smartphone, such as an acceleration sensor, a gyro sensor, a microphone module, a camera module, and various physical devices. Various components such as buttons, buttons using a touch panel, and input/output ports may be implemented to be further included in the user terminal 210.

The processor 314 of the user terminal 210 may be configured to operate a program for controlling the user terminal 210 including a multi-account integrated management function. At this time, the code associated with the program may be loaded into the memory 312 of the user terminal 210. While the program is running, the processor 314 of the user terminal 210 receives information and/or data provided from the input/output device 320 through the input/output interface 318 or integrates multiple accounts through the communication module 316. Information and/or data may be received from the management device 230, and the received information and/or data may be processed and stored in the memory 312. Additionally, such information and/or data may be provided to the multi-account integrated management device 230 through the communication modules 316 and 336.

The processor 334 of the multi-account integrated management device 230 may be configured to manage, process, and/or store information and/or data received from a plurality of user terminals and/or a plurality of external systems. According to one embodiment, the processor 334 may manage, process, and/or store user input received from the user terminal 210 and data processed according to the user input. Additionally or alternatively, the processor 334 is configured to store and/or update a program for executing multi-account integrated management of the user terminal 210 from a separate cloud system, database, etc. connected to the network 220. It can be.

Figure 4 shows an example of a user terminal (e.g., user terminal 130) in which a deposit is assigned to target information by a multi-account integrated management device (e.g., multi-account integrated management device 110) according to an embodiment of the present disclosure. ) is the first screen 400. The multi-account integrated management device may communicate with each of the first bank server where the user's first account is registered and the server of the second bank where the user's second account is registered. Accordingly, the multi-account integrated management device may store at least some of the data received from the first bank server and/or the second bank server. Here, the first bank server and the second bank server may refer to the server of the bank where the first account of the same user is registered and the server of the bank where the second account of the same user is registered, respectively.

The multi-account integrated management device can receive target information from the user terminal. In this case, the target information may include information related to the name, target amount, deposit account, withdrawal account, transfer amount, and/or transfer time (or cycle). Accordingly, the multi-account integrated management device may perform a transfer to another bank according to the target information in response to reaching the transfer timing included in the target information. For example, the multi-account integrated management device is target information for financing 'summer overseas travel' expenses, such as the target amount of '5,000,000 won', 'Bank A deposit/withdrawal account', which is a deposit account, and a withdrawal account to which deposits are transferred from the deposit account. You can receive information about. In addition, you can receive information about the deposit amount '100,000 won' transferred from the relevant withdrawal account to Bank A's deposit/withdrawal account and the transfer cycle 'every Monday'. In this case, the multi-account integrated management device can transfer 100,000 won from the relevant withdrawal account to Bank A's deposit/withdrawal account every Monday.

Additionally, you can receive information about the deposit amount '500,000 won' transferred from the relevant withdrawal account to Bank A's deposit/withdrawal account and the transfer cycle '10th of every month'. That is, multiple withdrawal accounts may be provided for any deposit account for one goal. In addition, the multi-account integrated management device can also receive information about the 'B Bank deposit and withdrawal account', which is a deposit account, and the withdrawal account to which deposits are transferred from the deposit account, as other target information for financing 'summer overseas travel' expenses. That is, multiple deposit accounts may be provided for one goal.

5 is a second screen 510 and a third screen of a user terminal showing an example of target information received by a multi-account integrated management device (e.g., multi-account integrated management device 110) according to an embodiment of the present disclosure. It is (520). As shown, the multi-account integrated management device may receive information about the transfer cycle ('savings cycle'), transfer amount ('savings amount'), withdrawal account, and/or deposit account as target information from the user terminal. .

Referring to the first screen 510, the multi-account integrated management device may receive information related to the transfer period, transfer amount, and/or deposit account from the user terminal as target information. Next, referring to the second screen 520, the multi-account integrated management device can receive information related to the withdrawal account from the user terminal. At this time, if the deposit account and the withdrawal account are the same, the multi-account integrated management device may transmit a notification requesting to change the deposit account or withdrawal account to another account to the user terminal.

6 is a diagram of a user terminal (e.g., user terminal 130) showing an example of accounts managed by a multi-account integrated management device (e.g., multi-account integrated management device 110) according to an embodiment of the present disclosure. It is 4 screens (600). As shown, the multi-account integrated management device can manage multiple accounts of one user. For example, the multi-account integrated management device collects multiple target information 'dog hospital expenses' and 'summer overseas travel' for which 'A Bank deposit/withdrawal account' is selected as the deposit account by the user terminal. It can be managed by matching. In other words, the multi-account integrated management device divides '300,000 won' deposited from the account of other bank(s) according to the first target information out of the total deposit amount of '1,140,000 won' in 'Bank A deposit and withdrawal account' into '1,140,000 won' as the first target information. It can be managed by allocating it to ‘dog hospital expenses’. Likewise, the multi-account integrated management device divides '700,000' won deposited from accounts of other bank(s) according to the second target information out of the total deposit amount of '1,140,000 won' in 'Bank A deposit and withdrawal account' into '2nd target information'. It can be managed by assigning it to ‘summer overseas travel’. Accordingly, the multi-account integrated management device can classify and manage deposits that are not allocated to any target information out of the total deposit amount of '1,140,000 won' in 'Bank A deposit and withdrawal account' as 'extra money'.

Meanwhile, although not shown in FIG. 6, the multi-account integrated management device may receive a request for deletion of target information from the user terminal. For example, the multi-account integrated management device may receive a request to delete the target information 'summer overseas trip' of 'Bank A deposit/withdrawal account' from the user terminal. Accordingly, the multi-account integrated management device can manage the deposits of the deposit account already assigned to the target information by distinguishing them from the remaining deposits.

7 is a diagram of a user terminal (e.g., user terminal 130) showing an example of target information managed by a multi-account integrated management device (e.g., multi-account integrated management device 110) according to an embodiment of the present disclosure. This is the fifth screen 700. As shown, the multi-account integrated management device can manage a plurality of target information matched to one withdrawal account. In this case, the multi-account integrated management device may determine the withdrawal priority of a plurality of target information to be withdrawn from the corresponding withdrawal account based on the user input received from the user terminal.

When a deposit is withdrawn from one withdrawal account, the multi-account integrated management device first deducts the withdrawal amount from deposits that are not assigned to any target information among all deposits in the withdrawal account based on the withdrawal priority determined by the user terminal. can do. However, if the withdrawal amount is larger than the deposit not assigned to any target information, the multi-account integrated management device may deduct the withdrawal amount from the deposit assigned to the first priority target information according to the withdrawal priority. Meanwhile, if the withdrawal amount is greater than the deposit that is not assigned to any target information, the multi-account integrated management device may transmit a notification that the withdrawal has been detected to the user terminal.

Meanwhile, although not shown in FIG. 7, one goal information may include a plurality of sub-goal information. In this case, the multi-account integrated management device may reallocate the deposits allocated to the target information to each of the plurality of sub-target information based on the ratio information determined for each of the plurality of sub-target information. In addition, the multi-account integrated management device may withdraw a penalty from the user's account(s) in response to the deposit allocated to the target information being withdrawn if the amount of the deposit allocated to specific target information is less than the target amount of the target information. You can.

The preceding description of the disclosure is provided to enable any person skilled in the art to make or use the disclosure. Various modifications of the present disclosure will be readily apparent to those skilled in the art, and the general principles defined herein may be applied to the various modifications without departing from the spirit or scope of the present disclosure. Accordingly, this disclosure is not intended to be limited to the examples shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Although the present disclosure has been described in relation to some embodiments in the specification, it should be noted that various modifications and changes can be made without departing from the scope of the present disclosure as can be understood by those skilled in the art. something to do. Additionally, such modifications and changes should be considered to fall within the scope of the claims appended hereto.

Claims (13)

a communication module configured to communicate with each of a first bank server where the user's first account is registered, a second bank server where the user's second account is registered, and a user terminal of the user; a memory configured to store at least some of the data received through the communication module; and A processor that performs a first cross-bank transfer from the second account to the first account in the second bank server based on data stored in the memory. Including, The data stored in the memory includes transfer approval information of the first bank server, transfer approval information of the second bank server, and first target information of the first account predetermined by the user terminal, The multi-account integrated management device wherein the processor allocates a deposit transferred to the first account through the first third-party transfer to the first target information. According to paragraph 1, The processor performs the first cross-bank transfer in response to reaching the timing of the first cross-bank transfer included in the first target information. According to paragraph 2, The multi-account integrated management device wherein the processor performs the first cross-bank transfer based on amount information of the first cross-bank transfer previously included in the first target information. According to paragraph 2, In response to determining that the balance of the second account is less than the amount of the first other bank transfer based on the amount information of the first other bank transfer previously included in the first target information, the processor sends the user terminal Send a push notification related to the first target information, The balance of the second account consists of deposits that are not assigned to any target information in the second account. According to paragraph 1, The processor performs the first cross-bank transfer in response to receiving a transfer request associated with the first target information from the user terminal through the communication module. According to clause 5, The multi-account integrated management device, wherein the processor acquires amount information of the first inter-bank transfer included in the first target information in response to receiving the transfer request. According to clause 5, The processor determines the amount of the first other bank transfer based on the amount information of the first other bank transfer included in the transfer request. According to paragraph 1, When second target information associated with the second account exists, the processor performs the first inter-bank transfer using at least a portion of the balance of the second account that is not allocated to the second target information. A multi-account integrated management device. According to paragraph 1, The processor not allocates the deposit of the first account already assigned to the first target information to the first target information in response to receiving a request to delete the first target information from the user terminal through the communication module. A multi-account integrated management device that distinguishes from deposits in the first account. According to paragraph 1, When the communication module is configured to communicate with a third bank server where the user's third account is registered, and second target information determined by the user terminal is present in the first account, The processor performs a second interbank transfer from at least one of the second account or the third account to the first account based on the data stored in the memory, and transfers the deposit transferred to the first account to the first account. 2 Multi-account integrated management device that assigns target information. According to paragraph 1, The communication module is configured to communicate with a third bank server where the user's third account is registered, The processor performs a second cross-bank transfer from the third account to the first account based on data stored in the memory and allocates the deposit transferred to the first account to the first target information, multi-account integration. Management device. According to paragraph 1, The first goal information includes first sub-goal information and second sub-goal information, The processor allocates at least a portion of the deposit transferred to the first account through the first third-party transfer to the first sub-target information and the second sub-target information based on a predetermined ratio, respectively, for multi-account integrated management. Device. According to paragraph 1, If the amount of the deposit allocated to the first target information is less than the target amount of the first target information, the processor is configured to operate the first account or the second in response to the deposit allocated to the first target information being withdrawn. A multi-account integrated management device that withdraws fines from at least one of the accounts.

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