Method, computer device, and computer program for managing joint accounts

Abstract

To provide a method for managing a joint account connected to a challenge issue, a system, and a computer program.SOLUTION: The method for managing a joint account includes the steps of: connecting group information to a joint account, the group information including at least one member and a challenge issue with an authentication purpose; and managing reward money of the member by the joint account on the basis of the challenge issue.SELECTED DRAWING: Figure 4

Description

[Technical Field]

[0001] The following description relates to techniques for managing joint accounts. [Background technology]

[0002] In recent years, various groups (social gatherings, social clubs, alumni associations, etc.) have become more active through social media channels, and there is a growing trend for these groups to manage the money they need in an account. Such accounts are called joint accounts.

[0003] As an example of joint account technology, Patent Document 1 (published on January 25, 2019) discloses a technology for processing banking functions by opening a virtual account as a joint account in conjunction with a bank server. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Korean Patent Publication No. 10-2019-0008602 Summary of the Invention [Problem to be solved by the invention]

[0005] An object of the present invention is to provide a method, a system, and a computer program that achieve at least one of the following effects.

[0006] A group of people with challenges can be linked together in a joint account to manage the challenges and associated rewards.

[0007] Based on the data transmitted in the chat room with each member, the challenge task of the relevant member can be automatically authenticated.

[0008] Penalties can be applied to unverified members of the challenge, and reward money can be deducted according to the penalty.

[0009] Incentives can be offered to members who meet the certification criteria of the challenge.

[0010] Rewards in a joint account can be managed separately from the account balance, and sub-accounts can be separated from the joint account and managed according to purpose.

[0011] The master can automatically send challenge authentication request notifications to each member. [Means for solving the problem]

[0012] A joint account management method is provided, which is executed by a computer device, the computer device including at least one processor configured to execute computer-readable instructions contained in a memory, the joint account management method including a step of linking, by the at least one processor, group information including at least one member and a challenge problem having an authentication purpose to a joint account, and a step of managing, by the at least one processor, reward money of the member in the joint account based on the challenge problem.

[0013] According to one aspect, the linking step may include creating the group information in a chat room including the members through linking with a messenger.

[0014] According to another aspect, the linking step may include, in the process of creating the joint account, setting the members and the challenge to the joint account.

[0015] According to another aspect, the joint account management method may further include processing, by the at least one processor, authentication of the challenge using data obtained from the member's device.

[0016] According to another aspect, the processing may include authenticating the challenge as having been completed when a predetermined keyword is received in a chat room with the member.

[0017] According to another aspect, the processing step may include a step of comparing data received in a chat room with the member with a target value set as the challenge task to determine whether the challenge task is authenticated.

[0018] According to another aspect, the joint account management method may further include a step of setting notification information associated with the challenge task by the at least one processor, and a step of providing a notification requesting authentication of the challenge task through a chat room with the member according to the notification information by the at least one processor.

[0019] According to another aspect, the managing step may manage the reward money separately from the account balance in the joint account.

[0020] According to another aspect, the managing step may include creating at least one sub-account within the joint account and managing the reward money through the sub-account.

[0021] According to another aspect, the joint account management method may further include imposing, by the at least one processor, a penalty on the member based on the authentication status of the challenge.

[0022] According to another aspect, the step of imposing the penalty may include deducting an amount determined in accordance with the penalty from the member's reward.

[0023] According to another aspect, the joint account management method may further include a step in which, when the execution period set for the challenge task expires, the at least one processor deposits the remaining reward amount, after the penalty has been levied, into the member's account.

[0024] According to another aspect, the joint account management method may further include providing, by the at least one processor, an incentive to a member who meets a certification standard condition for the challenge.

[0025] A computer program is provided that is recorded on a computer-readable recording medium to cause a computer to execute the joint account management method.

[0026] A computer device is provided, comprising at least one processor configured to execute computer-readable instructions contained in a memory, the at least one processor including a joint account linking unit that links group information including at least one member and a challenge problem having an authentication purpose to a joint account, and a reward money management unit that manages reward money for the members in the joint account based on the challenge problem. [Brief explanation of the drawings]

[0027] [Figure 1] FIG. 1 illustrates an example of a network environment in accordance with an embodiment of the present invention. [Figure 2] FIG. 1 is a block diagram illustrating an example of a computing device according to an embodiment of the present invention. [Figure 3] FIG. 2 illustrates example components that may be included in a processor of a computing device in accordance with one embodiment of the present invention. [Figure 4] 1 is a flowchart illustrating an example method that may be performed by a computing device in accordance with an embodiment of the present invention. [Figure 5]10 is an exemplary diagram illustrating a process of linking and managing a group including a challenge in a joint account according to an embodiment of the present invention. FIG. [Figure 6] 10 is an exemplary diagram illustrating a process of linking and managing a group including a challenge in a joint account according to an embodiment of the present invention. FIG. [Figure 7] 10 is an exemplary diagram illustrating a process of linking and managing a group including a challenge in a joint account according to an embodiment of the present invention. FIG. [Figure 8] 10 is an exemplary diagram illustrating a process of linking and managing a group including a challenge in a joint account according to an embodiment of the present invention. FIG. [Figure 9] 10 is an exemplary diagram illustrating a process of linking and managing a group including a challenge in a joint account according to an embodiment of the present invention. FIG. [Figure 10] 10 is an exemplary diagram illustrating a process of linking and managing a group including a challenge in a joint account according to an embodiment of the present invention. FIG. [Figure 11] 10 is an exemplary diagram illustrating a process of linking and managing a group including a challenge in a joint account according to an embodiment of the present invention. FIG. [Figure 12] 10 is an exemplary diagram illustrating a process of linking and managing a group including a challenge in a joint account according to an embodiment of the present invention. FIG. [Figure 13] 10 is an exemplary diagram illustrating a process of linking and managing a group including a challenge in a joint account according to an embodiment of the present invention. FIG. [Figure 14] 10 is an exemplary diagram illustrating a process of linking and managing a group including a challenge in a joint account according to an embodiment of the present invention. FIG. [Figure 15] 10 is an exemplary diagram illustrating a process of linking and managing a group including a challenge in a joint account according to an embodiment of the present invention. FIG. [Figure 16]10 is an exemplary diagram illustrating a process of linking and managing a group including a challenge in a joint account according to an embodiment of the present invention. FIG. [Figure 17] 10 is an exemplary diagram illustrating a process of linking and managing a group including a challenge in a joint account according to an embodiment of the present invention. FIG. DETAILED DESCRIPTION OF THE INVENTION

[0028] Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

[0029] A joint account management system according to an embodiment of the present invention may be realized by at least one computer device, and a joint account management method according to an embodiment of the present invention may be executed by at least one computer device included in the joint account management system. In this case, a computer program according to an embodiment of the present invention may be installed and executed in the computer device, and the computer device may execute the joint account management method according to an embodiment of the present invention under the control of the executed computer program. The computer program may be recorded on a computer-readable recording medium in combination with the computer device to cause the computer to execute the joint account management method.

[0030] FIG. 1 is a diagram showing an example of a network environment in one embodiment of the present invention. The network environment in FIG. 1 shows an example including multiple electronic devices 110, 120, 130, and 140, multiple servers 150 and 160, and a network 170. FIG. 1 is merely an example for explaining the invention, and the number of electronic devices and the number of servers are not limited to those shown in FIG. 1. Furthermore, the network environment in FIG. 1 is merely an example of an environment applicable to this embodiment, and environments applicable to this embodiment are not limited to the network environment in FIG. 1.

[0031] The electronic devices 110, 120, 130, and 140 may be fixed or mobile terminals implemented by computers. Examples of the electronic devices 110, 120, 130, and 140 include smartphones, mobile phones, navigation systems, personal computers (PCs), notebook PCs, digital broadcasting terminals, personal digital assistants (PDAs), portable multimedia players (PMPs), and tablets. While FIG. 1 illustrates a smartphone as an example of the electronic device 110, in embodiments of the present invention, the electronic device 110 may represent one of a variety of physical computer devices capable of communicating with the other electronic devices 120, 130, and 140 and / or the servers 150 and 160 via the network 170 using a substantially wireless or wired communication method.

[0032] The communication method is not limited, and may include not only communication methods using communication networks (for example, a mobile communication network, a wired Internet, a wireless Internet, and a broadcast network) that can be included in network 170, but also short-range wireless communication between devices. For example, network 170 may include any one or more of networks such as a personal area network (PAN), a local area network (LAN), a campus area network (CAN), a metropolitan area network (MAN), a wide area network (WAN), a broadband network (BBN), and the Internet. Furthermore, network 170 may include any one or more of network topologies including, but not limited to, a bus network, a star network, a ring network, a mesh network, a star-bus network, a tree or hierarchical network, etc.

[0033] Each of the servers 150, 160 may be realized by one or more computer devices that communicate with the multiple electronic devices 110, 120, 130, 140 via the network 170 to provide instructions, code, files, content, services, etc. For example, the server 150 may be a system that provides services (such as banking services, messaging services (messenger, SNS, etc.), search services, content provision services, map services, translation services, etc.) to the multiple electronic devices 110, 120, 130, 140 connected via the network 170.

[0034] 2 is a block diagram showing an example of a computer device according to an embodiment of the present invention. Each of the electronic devices 110, 120, 130, and 140 and each of the servers 150 and 160 described above may be realized by a computer device 200 shown in FIG.

[0035] As shown in FIG. 2 , such a computer device 200 may include a memory 210, a processor 220, a communication interface 230, and an input / output interface 240. The memory 210 is a computer-readable recording medium and may include random access memory (RAM), read-only memory (ROM), and a persistent mass storage device such as a disk drive. Here, a persistent mass storage device such as a ROM or a disk drive may be included in the computer device 200 as a separate persistent storage device distinct from the memory 210. The memory 210 may also store an operating system and at least one program code. Such software components may be loaded into the memory 210 from a computer-readable recording medium separate from the memory 210. Such separate computer-readable recording medium may include a computer-readable recording medium such as a floppy drive, a disk, a tape, a DVD / CD-ROM drive, or a memory card. In another embodiment, the software components may be loaded into the memory 210 through a communication interface 230, which is not a computer-readable recording medium. For example, the software components may be loaded into the memory 210 of the computing device 200 based on a computer program installed by a file received over the network 170 .

[0036] Processor 220 may be configured to process computer program instructions by performing basic arithmetic, logic, and input / output operations. The instructions may be provided to processor 220 by memory 210 or by communication interface 230. For example, processor 220 may be configured to execute instructions received according to program code stored in a storage device such as memory 210.

[0037] The communication module 230 may provide a function for the computer device 200 to communicate with other electronic devices (e.g., the above-mentioned storage device) via the network 170. For example, requests, instructions, data, files, etc. generated by the processor 220 of the computer device 200 in accordance with program code stored in a storage device such as the memory 210 may be transmitted to other devices via the network 170 under the control of the communication interface 230. Conversely, signals, instructions, data, files, etc. from other devices may be received by the computer device 200 via the communication interface 230 of the computer device 200 via the network 170. The signals, instructions, data, etc. received via the communication interface 230 may be transmitted to the processor 220 or the memory 210, and the files, etc. may be recorded on a storage medium (e.g., the above-mentioned permanent storage device) that the computer device 200 may further include.

[0038] The input / output interface 240 may be a means for interfacing with the input / output device 250. For example, the input device may include a device such as a microphone, keyboard, camera, or mouse, and the output device may include a device such as a display or speaker. As another example, the input / output interface 240 may be a means for interfacing with a device that integrates input and output functions into one, such as a touch screen. The input / output device 250 may be configured as a single device together with the computer device 200.

[0039] Also, in other embodiments, computing device 200 may include fewer or more components than those shown in Figure 2. However, most prior art components need not be explicitly shown in the figures. For example, computing device 200 may be implemented to include at least some of the input / output devices 250 described above, and may further include other components such as a transceiver, a database, etc.

[0040] Specific embodiments of a method and system for managing joint accounts linked to challenges are described below.

[0041] FIG. 3 is a block diagram illustrating example components that may be included in a processor of a computing device in accordance with an embodiment of the present invention, and FIG. 4 is a flowchart illustrating an example method that may be performed by a computing device in accordance with an embodiment of the present invention.

[0042] The computer device 200 according to the present embodiment may provide a joint account management service to a client by connecting to a dedicated application installed on the client or a web / mobile site associated with the computer device 200. A computer-implemented joint account management system may be configured in the computer 200. For example, the joint account management system may be implemented as an independently operating program, or may be implemented as an in-app for a specific application so as to be operable within the specific application. For example, a banking app dedicated to joint account management may be implemented as an in-app for a messaging app, or may be implemented as a separate, independent app linked to the messaging app.

[0043] The processor 220 of the computer device 200 may include a joint account linking unit 310, a reward management unit 320, a notification providing unit 330, and a challenge authentication unit 340 as components for executing the joint account management method according to Fig. 4, as shown in Fig. 3. Depending on the embodiment, the components of the processor 220 may be selectively included or excluded from the processor 220. Also, depending on the embodiment, the components of the processor 220 may be separated or combined to express the functions of the processor 220.

[0044] Such processor 220 and components of processor 220 may control computer device 200 to execute steps 410 to 450 included in the joint account management method of Fig. 4. For example, processor 220 and components of processor 220 may be implemented to execute instructions from operating system code and at least one program code included in memory 210.

[0045] Here, the components of the processor 220 may represent different functions executed by the processor 220 according to instructions provided by program code recorded in the computer device 200. For example, a joint account linking unit 310 may be used as a functional representation of the processor 220 that controls the computer device 200 according to the instructions described above so that the computer device 200 links a group to a joint account.

[0046] The processor 220 may read necessary instructions from the memory 210, which has loaded therein instructions related to the control of the computer device 200. In this case, the read instructions may include instructions for controlling the processor 220 to execute steps 410 to 450 described below.

[0047] Steps 410 to 450 described below may be performed in a different order than that shown in FIG. 4, and some of steps 410 to 450 may be omitted or additional steps may be included.

[0048] Referring to FIG. 4, in step 410, the joint account linking unit 310 may link challenge challenge information and a group including members to a joint account. A joint account refers to an account that uses a master personal account for joint use and can share transaction details with all members included in the group. The joint account linking unit 310 may link a challenge challenge for authentication purposes to the joint account. For example, the joint account linking unit 310 may link a joint account to a group created in a chat room on a messenger. The messenger may include a function for creating a group having a corresponding challenge challenge by setting challenge challenge information in the chat room and a function for linking a joint account to the corresponding group. When challenge challenge information is set in a chat room through linkage with the messenger and a group is created, the joint account linking unit 310 may create a joint account with the members included in the chat room and the challenge challenge information as group information. As another example, in the process of creating a joint account, the joint account linking unit 310 may set the challenge task information while setting the members of the group to be linked to the corresponding joint account as the members of the joint account. A new account may be created as the joint account to be linked to the group, or an existing account may be used as the joint account.

[0049] In this specification, a challenge is a type of mission for authentication, and an activity corresponding to the purpose of the group may be set. For example, the challenge may be a mission using banking services (e.g., paying monthly membership fees, saving 10,000 won every day, etc.), or a mission unrelated to banking services (e.g., reading every day, walking 10,000 steps every day, etc.). The challenge information may be set by the master who created the group, and may include the name of the challenge, a period for execution, authentication rules, authentication methods, rewards, penalties, incentives, etc.

[0050] Therefore, the joint account linking unit 310 links the group created by the master with the master's joint account.

[0051] In step 420, the reward management unit 320 may manage the reward associated with the challenge of the corresponding group using a joint account linked to the group. After the group is created, the reward management unit 320 may manage the reward transferred from each member of the group in the joint account linked to the corresponding group, and in this case, the reward in the account may be managed separately from the account balance.

[0052] In step 430, the notification providing unit 330 may provide a challenge challenge authentication request notification for the corresponding group through a chat room with each member of the group. The notification providing unit 330 may set notification information for requesting challenge challenge authentication for the corresponding group according to master settings in a joint account linked to the group. The master may set a notification transmission period, a notification transmission time, a challenge challenge authentication deadline, a non-authentication penalty, etc. as notification settings for requesting challenge challenge authentication.

[0053] In step 440, the challenge task authentication unit 340 may authenticate the challenge task of the corresponding group for each member of the group. The challenge task authentication unit 340 may authenticate the challenge task of the corresponding member based on data transmitted through a chat room with the member. For example, the challenge task authentication unit 340 may determine that the challenge task has been executed when a word matching a predetermined keyword is received in the chat room. For another example, when a photo is received in the chat room, the challenge task authentication unit 340 may determine the authentication of the challenge task by analyzing information included in the photo. For example, the challenge task authentication unit 340 may determine the authentication of the challenge task by comparing the time, location, tags, text extracted from the photo, etc. included in the photo with a target value set for the challenge task. For another example, when various sensing data measured by the member's device is received in the chat room, the challenge task authentication unit 340 may determine the authentication of the challenge task based on the sensing data. For example, if the challenge task is "walk 10,000 steps every day," authentication of the challenge task may be determined by comparing the number of steps taken, the amount of calories burned, etc. measured by the device with the target value set for the challenge task. Challenge task types may be classified in advance, and data used for authentication of the challenge task and apps that can be linked may be predefined for each type. The challenge task authentication unit 340 may acquire data required for authentication according to the group's challenge task from a chat room with members, and may determine authentication of the challenge task for the corresponding member based on the acquired data.

[0054] In step 450, the reward management unit 320 may provide a penalty or an incentive to each member of the group based on the member's authentication status for the challenge task. For example, the reward management unit 320 may impose a penalty on a member who has not authenticated the challenge task by deducting a certain amount from the member's reward. Such a penalty may be applied in various forms, such as a reward deduction or forced withdrawal from the group. For example, if a member fails to authenticate the challenge task a number of times determined by the master, the member may be forced to withdraw from the group. Meanwhile, the reward management unit 320 may provide an incentive to a member who has met a predetermined authentication standard condition after the expiration of the group's challenge task execution period by adding a certain amount to the member's reward. At least a portion of the penalty amount accumulated according to the master settings or service policy may be paid as an incentive. In addition to cash, such incentives may be provided in various forms, such as paid content available on the messenger (e.g., stamps), or additional interest in the case of groups linked to banking services.

[0055] 5 to 17 are exemplary diagrams illustrating a process of linking and managing a group including a challenge in a joint account according to an embodiment of the present invention.

[0056] First, the process by which the master creates a group and links the joint accounts will be described.

[0057] 5 to 8 show examples of user interface screens on the dedicated application installed on the master device.

[0058] 5, a chat room 500 including at least one member may include a "Challenge" menu 501 for group creation. When the master selects the "Challenge" menu 501 in the chat room 500, the processor 220 provides a group creation screen 510. The group creation screen 510 is an interface screen for setting a challenge and creating a group, and may include an interface for inputting challenge information such as the name of the challenge, the execution period (challenge start time and challenge end time), authentication rules (e.g., the number of authentications per unit time), authentication method (e.g., keywords), reward money, penalties, incentives, etc.

[0059] After the master inputs the challenge task information on the group creation screen 510, if the master selects the "joint account link" menu 511 for linking the master's account as a joint account, the processor 220 provides a joint account link screen 620 as shown in Fig. 6. Referring to Fig. 6, the joint account link screen 620 may include a "select existing account" menu 621 for linking an existing account as a joint account, and a "create new account" menu 622 for linking a new account as a joint account by creating it.

[0060] The processor 220 may, depending on the master's selection, create a new account or use an existing account as the joint account to link to the group, and may provide the master's account list 630 with a joint account 631 linked to the challenge.

[0061] When a joint account 631 linked to a challenge task is selected from the account list 630, the processor 220 provides an account details screen 740 as shown in Fig. 7. Referring to Fig. 7, the account details screen 740 may allow the user to check the account balance 741, a breakdown of deposits and withdrawals 742, a member list 743, etc., and may include a "reward" menu 744 for checking the reward details.

[0062] In the case of a joint account, the processor 220 may manage the account balance and the reward separately. In some embodiments, the two amounts may be displayed together on an account summary screen that provides account summary information, and the two amounts may be displayed separately on the account details screen 740.

[0063] When the "Reward" menu 744 is selected from the account details screen 740, the processor 220 provides a reward details screen 750. The reward details screen 750 may allow the user to check the current status of reward deposits and deductions for each member of the group.

[0064] The processor 220 may manage at least one sub-account separately from the joint account according to the purpose, based on the master settings. For example, sub-accounts may be created within the joint account for different purposes, such as rewards, travel expenses, and movie expenses, and managed for each purpose. This allows various sub-accounts to be created from a single account through logical separation, and rewards and the like can be managed as sub-accounts within the joint account.

[0065] When multiple sub-accounts exist in the joint account 631 linked to the challenge, the processor 220 may provide a list 845 of sub-accounts in the joint account 631 on the account details screen 740, as shown in Fig. 8. The list 845 of sub-accounts may include sub-accounts for each purpose, including rewards, and when a specific sub-account is selected, the user may be able to check the detailed current status of the corresponding sub-account.

[0066] Next, we will explain the process by which group members transfer their reward money.

[0067] 9 and 10 show examples of user interface screens on a dedicated application installed on a member device.

[0068] Once the creation of the group and the linking of the joint account are completed, the processor 220 provides a notification 902 for requesting group membership through the chat room 500 in which the group is created, as shown in FIG.

[0069] The processor 220 may create a group-only chat room 950 separate from the chat room 500 in which the group is created when the group creation and joint account linking are completed, and may provide a group joining request notification 951 in the group-only chat room 950.

[0070] When group joining request notification 902 is selected in chat room 500, entry to group-only chat room 950 becomes possible, but entry to group-only chat room 950 may also be achieved by directly selecting it from the chat room list.

[0071] The group joining request notification 951 in the group-only chat room 950 may include a link to a banking service page where reward money can be deposited.

[0072] When the group joining request notification 951 is selected in the group-only chat room 950, the processor 220 provides a remittance screen 1060 for remitting the reward requested by the group master in conjunction with the banking service, as shown in Fig. 10. Each member may remit the reward determined by the group master through the remittance screen 1060, and may be able to participate in the challenge of the corresponding group after remitting the reward.

[0073] Next, a process of providing a challenge authentication request notification will be described.

[0074] 11, when the menu button 1146 is selected on the account details screen 740 for the joint account 631 linked to the challenge challenge, the processor 220 provides a menu list 1170 associated with the joint account 631. The menu list 1170 includes an "Auto Settings" menu 1171 for setting notifications requesting challenge challenge authentication.

[0075] When the "Automatic Settings" menu 1171 is selected from the menu list 1170 on the account details screen 740, the processor 220 provides a notification settings screen 1270 for setting the challenge authentication request notification, as shown in FIG.

[0076] Referring to Figure 12, notification setting screen 1270 is an interface screen for setting notifications to request group members to authenticate a challenge task, and may include an interface 1271 for inputting request content related to the challenge task, an interface 1272 for selecting a message card to be sent when the request is made, an interface 1273 for setting the notification transmission period and notification transmission time, an interface 1274 for setting the challenge task authentication deadline, an interface 1275 for setting a penalty when the challenge task is not authenticated, and an interface 1276 for setting the challenge task execution period.

[0077] When the notification time arrives while the group master has set a challenge task authentication request notification on the notification setting screen 1270, the processor 220 provides a challenge task authentication request notification 1381 to the group members in a one-to-one chat room 1380 with each member, for example, in a chat room using an official account, as shown in Fig. 13. Each member of the group may perform challenge task authentication for the corresponding group based on the challenge task authentication request notification 1381. A penalty may be imposed on a member whose challenge task is not authenticated within the authentication deadline set by the master.

[0078] The challenge task authentication request notification 1381 may include an interface 1301 for immediately authenticating the challenge task, an interface 1302 for automatically setting up challenge task authentication, and an interface 1303 for providing group-related information such as penalties and incentives. For example, if the challenge task is "saving 10,000 won every day," each member may authenticate the challenge task by immediately transferring 10,000 won based on the challenge task authentication request notification 1381. In addition, the automatic setting interface 1302 in the challenge task authentication request notification 1381 may be used to set a challenge task automatic authentication time (e.g., an automatic transfer time) so that the challenge task authentication work is performed automatically. The processor 220 may exclude members who have set up automatic challenge task authentication from the recipients of the challenge task authentication request notification 1381.

[0079] Next, a process of providing the current status of the challenge authentication will be described.

[0080] If the authentication of the member's challenge is successful, the processor 220 provides an authentication result message 1482 including the current status of the challenge authentication through the one-on-one chat room 1380 with the corresponding member, as shown in Fig. 14. The authentication result message 1482 may include the cumulative authentication result for each period as the member's current status of the challenge authentication for the group's challenge.

[0081] In addition to the one-on-one chat room 1380 with members, in the case of a group linked to banking services, the processor 220 can also provide a challenge authentication status 1547 showing the accumulated authentications for each period through an interface screen 1540 associated with a joint account, as shown in FIG. 15.

[0082] When the challenge task execution period of the group expires, the processor 220 may calculate the authentication ranking based on the participation rate of each member through the authentication of the challenge task, and provide a challenge task result message 1652 including the authentication ranking through the group-only chat room 950 as shown in Fig. 16. The challenge task authentication ranking may be provided periodically during the challenge task execution period according to a master setting, in addition to when the challenge task execution period expires.

[0083] In addition, the processor 220 may provide incentives to group members who meet the authentication criteria set by the master. Referring to Figure 17, the processor 220 provides an incentive message 1783 containing details of the incentive payment to a member who is an incentive recipient through a one-on-one chat room 1380. In the case of a cash incentive, the incentive amount may be deposited into the personal account of the corresponding member by selecting the incentive message 1783 in the one-on-one chat room 1380.

[0084] Furthermore, the processor 220 may process the remaining reward amount of each member to be automatically transferred to the individual account of the member when the group's challenge task execution period expires.

[0085] As described above, according to an embodiment of the present invention, a group including a challenge task can be linked to a joint account, and rewards related to the challenge task can be managed. Furthermore, according to an embodiment of the present invention, a notification requesting challenge task authentication according to master settings can be automatically transmitted to each member, and the challenge task of the corresponding member can be automatically authenticated based on data transmitted in a chat room with each member. Furthermore, according to an embodiment of the present invention, a penalty can be applied to a member whose challenge task has not been authenticated and deducted from the reward, and an incentive can be provided to a member who meets the authentication criteria for the challenge task. Furthermore, according to an embodiment of the present invention, rewards in a joint account can be managed separately from the account balance, and sub-accounts can be separated and managed from the joint account according to the purpose.

[0086] The above-described devices may be implemented using hardware components, software components, and / or a combination of hardware and software components. For example, the devices and components described in the embodiments may be implemented using one or more general-purpose or special-purpose computers, such as a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate array (FPGA), a programmable logic unit (PLU), a microprocessor, or various devices capable of executing and responding to instructions. The processing device may execute an operating system (OS) and one or more software applications running on the OS. The processing device may also access, record, manipulate, process, and generate data in response to the execution of the software. For ease of understanding, a single processing device may be described. However, those skilled in the art will understand that a processing device may include multiple processing elements and / or multiple types of processing elements. For example, a processing device may include multiple processors or one processor and one controller. Other processing configurations, such as parallel processors, are also possible.

[0087] Software may include computer programs, codes, instructions, or a combination of one or more of these, which may configure a processing device to operate as desired or may independently or collectively instruct the processing device. The software and / or data may be embodied in any type of machine, component, physical device, computer storage medium, or device to be interpreted by the processing device or to provide instructions or data to the processing device. The software may be distributed and stored and executed in a distributed manner on computer systems connected by a network. The software and data may be stored on one or more computer-readable storage media.

[0088] Methods according to embodiments may be implemented in the form of program instructions executable by various computer means and recorded on a computer-readable medium. In this case, the medium may continuously record the computer-executable program or may temporarily record the program for execution or download. Furthermore, the medium may be various recording or storage means in the form of a single piece of hardware or multiple pieces of hardware combined together. It is not limited to media directly connected to a computer system, but may also be distributed over a network. Examples of media include magnetic media such as hard disks, floppy disks, and magnetic tapes; optical media such as CD-ROMs and DVDs; magneto-optical media such as floptical disks; ROMs, RAMs, flash memories, etc., configured to record program instructions. Other examples of media include recording media or storage media managed by application stores that distribute applications, or by sites or servers that provide or distribute various software.

[0089] Although the embodiments have been described above based on limited examples and drawings, those skilled in the art will appreciate that various modifications and variations may be made from the above description. For example, the described techniques may be performed in an order different from that described, and / or the described system, structure, device, circuit, or other element may be coupled or combined in a manner different from that described, or may be substituted or replaced by other elements or equivalents, and still achieve suitable results.

[0090] Therefore, different embodiments that are equivalent to the claims are within the scope of the appended claims. [Explanation of symbols]

[0091] 220: Processor 310: Joint Account Linking Department 320: Remuneration Management Department 330: Notification provision department 340: Challenge authentication unit

Claims

1. 1. A computer program product causing at least one processor of a computer device to execute a joint account management method, comprising: The joint account management method includes: linking the group information including at least one member and a challenge for authentication purposes to the joint account; managing the rewards of the members in the joint account based on the challenge; wherein the linking step includes a step of generating the group information in a chat room including the members by linking with a messenger.

2. The connecting step includes: In the process of creating the joint account, setting the members and the challenge to the joint account.

2. The computer program of claim 1, comprising:

3. The joint account management method includes: and processing authentication of the challenge using data obtained from the member's device. The computer program of claim 1 , further comprising:

4. The processing step comprises: When a predetermined keyword is received in a chat room with the member, the member is authenticated as having completed the challenge.

4. The computer program of claim 3,

5. The processing step comprises: a step of comparing data received in the chat room with the member with a target value set as the challenge to determine whether the challenge is authentic; 4. The computer program of claim 3, comprising:

6. The joint account management method includes: setting notification information associated with the challenge; and providing a notification requesting authentication of the challenge through a chat room with the member according to the notification information; The computer program of claim 3 further comprising:

7. The managing step includes: The reward money will be managed separately from the account balance in the joint account.

2. The computer program of claim 1,

8. The managing step includes: Creating at least one sub-account within the joint account, and managing the reward money in the sub-account.

2. The computer program of claim 1,

9. The joint account management method includes: imposing a penalty on the member based on the authentication status of the challenge; The computer program of claim 3 further comprising:

10. The step of imposing includes: and deducting an amount determined in accordance with the penalty from the member's remuneration.

10. The computer program of claim 9, comprising:

11. The joint account management method includes: When the execution period set for the challenge expires, the remaining reward amount after the penalty is transferred to the account of the member.

10. The computer program of claim 9, further comprising:

12. The joint account management method includes: Providing incentives to members who have met the certification criteria for the challenge. The computer program of claim 3 further comprising:

13. 1. A joint account management method executed by at least one processor of a computer device, comprising: linking the group information including at least one member and a challenge for authentication purposes to the joint account; managing the rewards of the members in the joint account based on the challenge; wherein the linking step includes a step of creating the group information in a chat room including the members by linking with a messenger.

14. 1. A computer device comprising: at least one processor configured to execute computer-readable instructions contained in the memory; wherein the at least one processor a joint account linking unit that links group information including at least one member and a challenge having an authentication purpose to the joint account; and A reward management unit that manages the rewards of the members in the joint account based on the challenge. wherein the joint account linking unit is configured to, when linking the group information to the joint account, generate the group information in a chat room including the members by linking with a messenger.

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