Bankbook management system and method for controlling bankbook management system

Abstract

A bankbook management system according to an embodiment of the disclosed invention comprises a processor that controls a user terminal configured to allow a user, who sets distribution of a salary such that money is automatically transferred from a salary account, in which the salary is received, to at least one purpose-set account by an amount set for each account, to input input information and check a screen displayed on a display, wherein the processor may: on the basis of a value of at least one expected transfer amount, which is an amount set for each purpose-set account to be automatically transferred from the salary account for each salary cycle corresponding to receipt of the salary, and a value of expected salary, which is an amount expected to be deposited into the salary account, determine a value of undistributed salary, which is an amount expected to remain in the salary account without being transferred to another account for each salary cycle; and control the display such that the value of the undistributed salary is displayed with respect to information of the salary account.

Description

Passbook management system and control method of the passbook management system

[0001] The present invention relates to a passbook management system capable of providing an application service for distributing salary.

[0002] Online banking technology has become widely used recently. Online banking technology allows banking transactions to be conducted online, allowing customers to conduct banking transactions from home or anywhere else.

[0003] Online banking technology allows customers to conduct banking transactions via a bank's website or mobile app over the Internet. Through online banking, customers can perform various banking services, such as checking account balances, viewing transaction history, transferring money, and applying for deposits and loans.

[0004] Online banking uses a variety of security technologies to protect customers' personal and financial information, including encryption, two-factor authentication, security questions, and biometrics.

[0005] The present invention provides a passbook management system and a control method of the passbook management system that enable a user to distribute his or her salary according to a purpose.

[0006] The present invention provides a passbook management system and a control method of the passbook management system that enable a user to easily transfer his or her salary to multiple accounts through automatic transfer according to the purpose.

[0007] In addition, the present invention provides a passbook management system and a control method of the passbook management system that can distribute salary according to purpose by taking into account the amount to be deposited into an account for which automatic transfer is set through a method other than the provided application.

[0008] In addition, the present invention provides a passbook management system and a control method of the passbook management system that can simultaneously manage a salary distribution and deposit amount management passbook according to a user's settings.

[0009] In addition, the present invention provides a passbook management system and a control method of the passbook management system that can distribute salaries according to purpose while taking into account fixed costs.

[0010] In addition, the present invention provides a passbook management system and a control method of the passbook management system that can improve performance, such as increasing data processing speed or reducing required memory capacity, compared to conventional systems.

[0011] A bankbook management system according to one aspect of the disclosed invention comprises a processor for controlling a user terminal configured to allow a user who sets a distribution of a salary to be automatically transferred from a salary account receiving the salary to at least one or more purpose-setting accounts in an amount set for the salary, to input input information and check a screen displayed on a display, wherein the processor: determines a value of an undistributed salary, which is an amount expected to remain in the salary account without being transferred to another account, for each of the purpose-setting accounts, based on a value of at least one expected transfer amount, which is an amount to be automatically transferred from the salary account for each pay period corresponding to the receipt of the salary, and a value of an expected salary, which is an amount expected to be deposited into the salary account; and controls the display so that the value of the undistributed salary is displayed with respect to information of the salary account.

[0012] In addition, the processor may further include a communication module configured to communicate with a bank server of a bank where the salary account is opened, and the processor may control the communication module to transmit automatic transfer request information to the bank server of the bank where the salary account is opened, requesting that money from the salary account be transferred to the purpose-setting account in an amount equivalent to an expected transfer amount corresponding to a preset date for each purpose-setting account for each salary cycle.

[0013] Additionally, the processor can control the display to display the value of the expected transfer amount corresponding to each information of the destination account.

[0014] In addition, when the input unit of the user terminal receives a transfer amount change command, which is input information for changing the expected transfer amount for a change target account, which is a purpose-setting account for which the user wishes to change the transfer amount, the processor may: determine the value of the expected transfer amount of the change target account based on the transfer amount change command; and control the display to display the value of the expected transfer amount of the change target account for the information of the change target account.

[0015] In addition, when the input unit of the user terminal receives the command to change the transfer amount, the processor may: change the value of the undistributed salary based on the value of the expected transfer amount of the change target account and the value of the expected salary; and control the display so that the changed value of the undistributed salary is displayed for information on the salary account.

[0016] In addition, the processor controls the display to display a slider area for each purpose setting account, which displays information about each purpose setting account; and controls the display to display an expected transfer amount display bar included in the slider area in a different area in the slider area, depending on the value of the amount to be automatically transferred for each pay period for the purpose setting account.

[0017] In addition, the processor may be configured to: control the display to display a slider included in the slider area, the end of the transfer expected amount display bar being connected to one end; and determine an amount corresponding to at least one of a position of the slider in the slider area and an area occupied by the transfer expected amount display bar in the slider area as the transfer expected amount for the target account.

[0018] In addition, the processor: controls the display to display an undistributed salary display area that displays information about the salary account; and controls the display to display an undistributed salary display bar included in the undistributed salary display area in a different area in the undistributed salary display area depending on the value of the undistributed salary.

[0019] In addition, the processor: when the input unit of the user terminal receives input information in the form of moving the slider along the slider area as a transfer amount change command, controls the display so that the slider is displayed at a position corresponding to the input information in the slider area; and when the position of the slider in the slider area is changed, controls the display so that an area of ​​an expected transfer amount display bar connected to one end of the slider is changed in the slider area to correspond to the changed position of the slider.

[0020] In addition, the processor may be configured to determine, as the expected transfer amount for the change target account, an amount corresponding to at least one of the changed position of the slider in the slider area and the area occupied by the changed expected transfer amount display bar in the slider area when the position of the slider in the slider area corresponding to the change target account, which is the account for which the user wishes to change the transfer amount, is changed.

[0021] In addition, the present invention further includes a communication module configured to communicate with a bank server of a bank where an external automatic transfer account is opened, wherein the processor: controls the display so that the value of the external transfer amount is displayed with respect to the information of the external automatic transfer account based on information of an external transfer amount to be periodically deposited into the external automatic transfer account received from the bank server of the bank where the external automatic transfer account is opened; and determines the value of the undistributed salary based on the value of the external transfer amount, the value of the expected transfer amount, and the value of the expected salary, wherein the external automatic transfer account may be an account preset to automatically receive a remittance from the salary account in the amount of the external transfer amount set for each salary cycle through a means other than the passbook management system.

[0022] In addition, the processor controls the display to display an external transfer amount display area that displays information about the external automatic transfer account; and controls the display to display an external transfer amount display bar included in the external transfer amount display area in a different area in the external transfer amount display area depending on the value of the amount to be automatically transferred for each pay period for the external automatic transfer account.

[0023] In addition, the processor further includes a communication module configured to communicate with a bank server of a bank where a balance inquiry account, which is an account preset as a target of a balance inquiry, is opened, and the processor can control the display so that the value of the amount deposited in the balance inquiry account is displayed for the balance inquiry account based on information on the amount deposited in the balance inquiry account received from the bank server of the bank where the balance inquiry account is opened.

[0024] In addition, the processor controls the display to display a balance display area for displaying information on the balance inquiry account; and, depending on the value of the amount deposited in the balance inquiry account, the processor can control the display to display a balance display bar included in the balance display area in a different area in the balance display area.

[0025] In addition, the processor: determines a value of a fixed cost, which is a cost fixedly spent for each pay period, based on the fixed cost information of the user received by the input unit of the user terminal; and controls the display so that, depending on the value of the fixed cost, the fixed cost display bar included in the undistributed pay display area displays the area occupied by the undistributed pay display area differently.

[0026] In addition, the processor: controls the display so that the fixed cost display bar covers part or all of the undistributed salary display bar; when the value of the fixed cost and the value of the undistributed salary are the same, controls the display so that the fixed cost display bar covers all of the undistributed salary display bar; and when the value of the fixed cost and the value of the undistributed salary are the same, controls the input unit of the display so that input of an increase in the transfer amount for the purpose-setting account is blocked, and the increase in the transfer amount input may be input information in the form of moving a slider along the slider area for the purpose of increasing the value of the expected transfer amount for the purpose-setting account.

[0027] A method for controlling a passbook management system according to one aspect of the disclosed invention is a method performed in a passbook management system having one or more processors and a memory storing one or more programs executed by the one or more processors, the method comprising: controlling a user terminal configured to allow a user who sets a distribution of a salary such that money is automatically transferred from a salary account receiving the salary in an amount set in at least one purpose-setting account to input input information and check a screen displayed on a display; determining a value of an undistributed salary, which is an amount expected to remain in the salary account without being transferred to another account in each pay period, based on a value of at least one expected transfer amount, which is an amount set for each purpose-setting account and is to be automatically transferred from the salary account in each pay period corresponding to the receipt of the salary, and a value of an expected salary, which is an amount expected to be deposited in the salary account; The method may include: controlling a communication module to transmit automatic transfer request information to a bank server of a bank where the salary account is opened, requesting that money from the salary account be transferred to the purpose-setting account in an amount equivalent to an expected transfer amount corresponding to a preset date for each purpose-setting account for each pay period; controlling the display so that the value of the undistributed salary is displayed for information on the salary account; and controlling the display so that the value of the expected transfer amount corresponding to each information on the purpose-setting account is displayed.

[0028] In addition, when the input unit of the user terminal receives a transfer amount change command, which is input information for changing an expected transfer amount for a change target account, which is a purpose-setting account for which the user wishes to change the transfer amount, a step of determining a value of an expected transfer amount of the change target account based on the transfer amount change command, and controlling the display so that the value of the expected transfer amount of the change target account is displayed for information of the change target account; a step of changing a value of the undistributed salary based on the value of the expected transfer amount of the change target account and the value of the expected salary when the input unit of the user terminal receives the transfer amount change command, and controlling the display so that the changed value of the undistributed salary is displayed for information of the salary account; a step of controlling the display so that a slider area is displayed for each purpose-setting account, for each purpose-setting account; a step of controlling the display so that an expected transfer amount display bar included in the slider area occupies a different area in the slider area, depending on the value of an amount to be automatically transferred for each pay period for the purpose-setting account; The method may further include: controlling the display to display a slider included in the slider area and having an end of the expected transfer amount display bar connected to one end; determining an amount corresponding to at least one of a position of the slider in the slider area and an area occupied by the expected transfer amount display bar in the slider area as the expected transfer amount for the purpose setting account; controlling the display to display an undistributed salary display area displayed for information on the salary account; and controlling the display to display an undistributed salary display bar included in the undistributed salary display area so that an area occupied by the undistributed salary display area is differently displayed depending on the value of the undistributed salary.

[0029] Also, based on information on an external transfer amount to be periodically deposited into the external automatic transfer account received from a bank server of a bank where an external automatic transfer account is opened, a step of controlling the display so that the value of the external transfer amount is displayed for information on the external automatic transfer account; a step of determining a value of the undistributed salary based on the value of the external transfer amount, the value of the expected transfer amount, and the value of the expected salary; a step of controlling the display so that an external transfer amount display area displayed for information on the external automatic transfer account is displayed; a step of controlling the display so that an external transfer amount display bar included in the external transfer amount display area occupies a different area in the external transfer amount display area depending on the value of the amount to be automatically transferred for each pay period for the external automatic transfer account; a step of controlling the display so that a value of the amount deposited in the balance inquiry account is displayed for the balance inquiry account based on information on the amount deposited in the balance inquiry account received from a bank server of a bank where a balance inquiry account is opened; A step for controlling the display to display a balance display area for displaying information of the balance inquiry account; A step for controlling the display to display a balance display bar included in the balance display area in a different area in the balance display area according to a value of an amount deposited in the balance inquiry account; A step for determining a value of a fixed cost, which is a cost fixedly spent for each pay period, based on fixed cost information of the user received by an input unit of the user terminal; A step for controlling the display to display a fixed cost display bar included in the undistributed payroll display area in a different area in the undistributed payroll display area according to the value of the fixed cost; A step for controlling the display to display the fixed cost display bar so as to cover part or all of the undistributed payroll display bar;If the value of the fixed cost and the value of the undistributed salary are the same, the step of controlling the display so that the fixed cost display bar covers the entirety of the undistributed salary display bar; and if the value of the fixed cost and the value of the undistributed salary are the same, the step of controlling the input unit of the display so as to block the input of an increase in the transfer amount for the purpose-setting account, wherein the external automatic transfer account is an account preset to automatically receive a remittance from the salary account by the external transfer amount, which is an amount set for each salary cycle, through a means other than the passbook management system, the balance inquiry account is an account preset as a target of a balance inquiry, and the transfer amount increase input may be input information in the form of moving a slider along the slider area for the purpose of increasing the value of the expected transfer amount for the purpose-setting account.

[0030] A computer program according to one aspect of the disclosed invention can be stored in a computer-readable, non-transitory recording medium to execute a control method of the above-described passbook management system.

[0031] According to one aspect of the disclosed invention, a user can distribute his / her salary according to a purpose.

[0032] Additionally, according to an embodiment of the present invention, a user can easily transfer his / her salary to multiple accounts through automatic transfer according to the purpose.

[0033] Additionally, according to an embodiment of the present invention, the salary can be distributed according to the purpose by taking into account the amount to be deposited into the account for which automatic transfer is set through a method other than the provided application.

[0034] Additionally, according to an embodiment of the present invention, salary distribution and deposit amount management accounts can be managed simultaneously according to the user's settings.

[0035] Additionally, according to an embodiment of the present invention, salaries can be distributed according to purpose, taking into account even fixed costs.

[0036] In addition, according to an embodiment of the present invention, performance such as an increase in data processing speed or a decrease in required memory capacity can be improved compared to a conventional system.

[0037] Figure 1 is a control block diagram of a passbook management system according to one embodiment.

[0038] Figure 2 is a drawing for explaining an embodiment in which a passbook management system is provided on a central server.

[0039] Figure 3 is a drawing showing a screen for entering the value of the expected salary.

[0040] FIG. 4 is a diagram illustrating a bankbook management application screen according to one embodiment.

[0041] FIG. 5 is a drawing for explaining an input for moving a slider according to one embodiment.

[0042] Figure 6 is a drawing showing a screen where information on an external automatic transfer account is displayed.

[0043] Figure 7 is a drawing showing a screen where information on a balance inquiry account is displayed.

[0044] Figure 8 is a drawing for explaining the process of entering information for an external automatic transfer account.

[0045] Figure 9 is a drawing showing a screen for entering fixed cost information.

[0046] Figure 10 is another drawing showing a screen for entering fixed cost information.

[0047] Figure 11 is a drawing showing a screen where a fixed cost display bar is displayed.

[0048] Figure 12 is a diagram illustrating a screen where a new slider area can be added.

[0049] Fig. 13 is a flowchart of a control method of a passbook management system according to one embodiment.

[0050] Like reference numerals refer to like elements throughout the specification. This specification does not describe all elements of the embodiments, and general information within the technical field to which the disclosed invention pertains or information that overlaps between the embodiments is omitted.

[0051] Additionally, when a part is said to "include" a component, this does not mean that it excludes other components, but rather that it may include other components, unless otherwise specifically stated.

[0052] As used herein, the term "~unit" refers to a unit that processes at least one function or operation, and may refer to, for example, software, an FPGA, or a hardware component. The function provided by the "~unit" may be performed separately by multiple components, or may be integrated with other additional components. The "~unit" of this specification is not necessarily limited to software or hardware, and may be configured to be in an addressable storage medium, or may be configured to reproduce one or more processors (110). According to embodiments, multiple "~units" may be implemented as a single component, or a single "~unit" may include multiple components.

[0053] The terms first, second, etc. are used to distinguish one component from another, and the components are not limited by the aforementioned terms.

[0054] Singular expressions include plural expressions unless the context clearly indicates otherwise.

[0055] The identification codes for each step are used for convenience of explanation and do not describe the order of each step. Each step may be performed in a different order than specified unless the context clearly indicates a specific order.

[0056] The operating principle and embodiments of the disclosed invention are described below with reference to the attached drawings.

[0057] FIG. 1 is a control block diagram of a passbook management system (100) according to one embodiment, and FIG. 2 is a drawing for explaining an embodiment in which a passbook management system (100) according to one embodiment is provided on a central server.

[0058] Referring to FIGS. 1 and 2, the account management system (100) may be a system used by a user who wants to distribute his or her salary and automatically transfer the amount set by the user to an account with a set purpose periodically.

[0059] A salary may be, but is not limited to, a monthly or weekly salary received periodically by a user. Any economic compensation that is periodically deposited into a user's account may be considered a salary. For example, economic benefits such as monthly rent received from a user's financial assets may also be considered a salary according to the present invention. Furthermore, a salary according to one embodiment is not necessarily limited to currency such as Korean Won or US Dollars. Any economic compensation that is periodically deposited, and any coin, stock, or marketable security that can be remitted, transferred, or delivered to an account with a set purpose may also be considered a salary according to one embodiment.

[0060] A salary account may be an account from which a user periodically receives their salary. Salary account information (402) may include a name assigned to the salary account or the logo of the bank that owns the account. For example, a user may preset the name "Monthly Salary" for the salary account.

[0061] A purpose-based account can be an account where a user manages deposits based on a specific purpose. The information (401) for a purpose-based account can include the name assigned to the purpose-based account, the logo of the bank for the purpose-based account, and the date on which funds are automatically transferred periodically to the purpose-based account. For example, a user can pre-name a purpose-based account used to accumulate 100 million won, "Saving 100 Million Won," or pre-name an account for depositing emergency funds for use in emergencies, "Emergency Fund." Furthermore, it is also possible to assign the same name to multiple purpose-based accounts with the same purpose.

[0062] A user may be someone who sets up a distribution of their salary so that money is automatically transferred from their salary account to at least one designated account in an amount set for the purpose.

[0063] The account management system (100) may be a system used when a user sets the account to which remittance is to be made, the amount to be distributed to each account, and the distribution period to be distributed to each account through an application that manages the account.

[0064] Referring to FIGS. 1 and 2, a passbook management system (100) is provided on a central server and can communicate with at least one user terminal (200) and a bank server (300) via wired or wireless means.

[0065] At this time, the passbook management system (100) may perform wired or wireless communication with the bank server (300) by directly transmitting and receiving information to and from the directly connected bank server (300), or may indirectly transmit and receive information to and from the bank server (300) through a completely different configuration. For example, the passbook management system (100) may perform wired or wireless communication with the bank server (300) by transmitting information to the bank server (300) through a deployment server provided in the middle, rather than directly transmitting information to the bank server (300).

[0066] The user terminal (200) may be a terminal through which a user can input input information and check the screen displayed on the display (210), and may be a terminal such as a PC or a smartphone, and is not limited to a single device or apparatus, but any terminal used by a user may be a user terminal (200).

[0067] The user can check the screen generated by the account management system (100) through the display (210) of the user terminal (200).

[0068] The processor (110) can control the display (210) and input unit (220) of the user terminal (200).

[0069] Data generated by the passbook management system (100) can be transmitted to the display (210) of the user terminal (200). At this time, the information to be transmitted to the display (210) of the user terminal (200) may be information on the passbook management application screen (400) generated by the processor (110). The user terminal (200) can control the display (210) so that the passbook management application screen (400) is displayed based on the information on the passbook management application screen (400). That is, the information generated by the passbook management system (100) can be displayed on the screen of the user terminal (200) as various UI screens.

[0070] Meanwhile, the passbook management system (100) according to one embodiment is not necessarily limited to being provided on a central server and transmitting information of the passbook management application screen (400) to the user terminal (200) through communication with the user terminal (200). For example, if the user terminal (200) downloads the passbook management system (100) by downloading the application from the central server, the passbook management system (100) may be provided on the user terminal (200). That is, as long as the user can check the application screen (400) through the user terminal (200) and input commands through the input unit (220) while viewing the application screen (400), the passbook management system (100) may be provided on any terminal or server and may be operated in any manner.

[0071] Referring to FIG. 1, the account management system (100) may include a processor (110), a communication module (120), and a memory (130).

[0072] When the account management system (100) is provided on a server, the communication module (120) can receive information entered into an input unit (220), such as a touch pad of the user terminal (200), or data stored in the user terminal (200), from the user terminal (200). The communication module (120) can transmit information entered into the input unit (220) to the processor (110).

[0073] When the account management system (100) is provided in the user terminal (200), the processor (110) can receive information input into the input unit (220) of the user terminal (200) from the input unit (220). That is, it does not matter in what way the processor (110) receives the data.

[0074] Figure 3 is a drawing showing a screen for entering the value of the expected salary.

[0075] Referring to FIG. 3, a user can input information such as the amount and receipt date of the salary received periodically through the input unit (220). For example, a user can input information such as the user's monthly salary after tax of 2.5 million won and the receipt date being the last day of each month through the input unit (220).

[0076] FIG. 4 is a diagram illustrating a bankbook management application screen according to one embodiment.

[0077] Referring to FIG. 4, a bankbook management application screen (400) according to one embodiment may display information (401) of a purpose-setting account, a value of an expected transfer amount, information (402) of a salary account, a slider area (410), an undistributed salary display area (420), and a value of an undistributed salary.

[0078] The value of the expected transfer amount may be set for each purpose-setting account and may be an amount to be automatically transferred from the salary account at each pay period corresponding to the receipt of salary.

[0079] For example, if a user spends 750,000 won per month on living expenses and sets a monthly salary distribution goal of saving 1 million won to save 100 million won, the expected transfer amount for the purpose-set account named "Living Expenses" may be 750,000 won, and the expected transfer amount for the purpose-set account named "Save 100 Million Won" may be 1,000,000 won. In this case, the number of purpose-set accounts may be multiple, and the expected transfer amount may also be set separately for each purpose-set account.

[0080] The expected salary value can be the amount expected to be deposited into the salary account. For example, the expected salary value for a user who receives a monthly salary of 2.5 million won might be 2,500,000 won.

[0081] Undistributed benefits may be money that has not yet been distributed from a periodic expected salary. In other words, the value of undistributed benefits may be the amount expected to remain in the payroll account each pay period without being transferred to another account.

[0082] The processor (110) can determine the value of the undistributed salary based on the value of at least one expected transfer amount and the value of the expected salary.

[0083] For example, if the value of the expected salary is 2.5 million won and the sum of the values ​​of the expected transfer amounts of each purpose-setting account is 2.125 million won, the processor (110) can determine 375,000 won, which is obtained by subtracting 2.125 million won from 2.5 million won, as the value of the undistributed salary.

[0084] The processor (110) can control the display (210) so that the value of the undistributed salary is displayed for the salary account information (402). For example, if the value of the undistributed salary is 375,000 won, the processor (110) can control the display (210) so that 375,000 won is displayed for the salary account information (402) including the name "salary" and the logo of the bank where the salary account is opened.

[0085] The processor (110) can control the display (210) to display the expected transfer amount corresponding to each piece of information (401) of the purpose-setting account. For example, if the pay cycle is one month and the expected transfer amount to be distributed to the purpose-setting account named "emergency fund" every month is 250,000 won, the processor (110) can control the display (210) to display 250,000 won for the information (401) of the purpose-setting account that includes the name "emergency fund" and the bank logo of the bank where the purpose-setting account is opened.

[0086] In the process of transferring money between bank accounts online, various types of information can be sent and received between the smartphone and the bank server (300).

[0087] The communication module (120) can communicate with the bank server (300) of the bank where the salary account is opened, the bank where the purpose-setting account is opened, the bank where the external automatic transfer account is opened, the bank where the balance inquiry account is opened, and other banks. In this case, the bank where the salary account is opened, the bank where the purpose-setting account is opened, the bank where the external automatic transfer account is opened, the bank where the balance inquiry account is opened, and other banks may be different banks, or all or some of the banks may be the same bank.

[0088] The automatic transfer request information may be request information requesting that money from the salary account be transferred to the purpose-setting account in the amount of the expected transfer amount corresponding to the preset date for each purpose-setting account.

[0089] The processor (110) may control the communication module (120) to transmit automatic transfer request information to the bank server (300) of the bank where the payroll account is opened for each payroll cycle. For example, the processor (110) may control the communication module (120) to transmit automatic transfer request information to the bank server (300) of the bank where the payroll account is opened every 15th day of each month, requesting an automatic transfer to a designated purpose account named "Collect 100 Million Won."

[0090] At this time, the payroll account that received the automatic transfer request information and the transfer target account can exchange information including at least one of personal information, remittance information, security information, session information, encryption, and a security key. Personal information may be the user's personal information for verifying the sender's identity, such as name, resident registration number, and account information. Remittance information may be remittance-related information, such as the remittance amount, the recipient's account information (account number, bank information), and the remittance purpose. Security information may be user authentication information for maintaining security, such as the user's ID, password, and biometric information (fingerprints, facial recognition, etc.). Session information may be information such as a session token or cookie to manage the remittance session, which maintains the user's remittance session and maintains the connection between the user and the server during the remittance process. Encryption and security keys may be information for safely transmitting data and preventing it from being leaked or tampered with.

[0091] Meanwhile, the fact that the communication module (120) can transmit automatic transfer request information while communicating with the bank server (300) may not only occur when the passbook management system (100) is directly connected to the bank server (300) and information is immediately transmitted and received, but may also occur when the passbook management system (100) transmits a command or request to another server, and the other server that receives it transmits automatic transfer request information to the bank server (300). For example, the passbook management system (100) may not directly transmit automatic transfer request information to the bank server (300), but may be a system that connects to the open banking platform API of the Korea Financial Telecommunications and Clearings Institute to ensure that transfers between banks are made on the scheduled date when the transfer must be made. Specifically, the account management system (100) may transmit automatic transfer request information to the bank server (300) by having the batch server, which has received information or a command from the account management system (100), retrieve the amount, transfer cycle, transfer date, and account information registered in open banking that the user has preset from the database and transmit the automatic transfer request information to the bank server (300) through the open banking platform API, which includes the amount to be transferred on a specific date.

[0092] Meanwhile, a simple algorithm for the data exchanged and the order of automatic transfer settings according to one embodiment may be as follows.

[0093] At the user request stage, users can set up automatic transfers through the application. At this time, users can pre-enter information about the account to transfer (salary account), the recipient bank (the bank where the designated account is opened), the transfer frequency (monthly, weekly, etc.), and the transfer amount.

[0094] At the application request stage, based on the user's request, the application may send a transfer request to the server of the bank where the salary account is opened, and the data sent may include transfer information entered by the user (salary account, information on the bank where the purpose-setting account is opened, transfer cycle, transfer amount, etc.).

[0095] During the server processing stage at the bank where the payroll account is opened, the bank's server receives the transfer request, verifies the account's validity, and schedules automatic transfers. At this point, the bank's server can independently verify the recipient bank's information (the bank where the designated account is opened). Rather than sending the transfer request to the recipient bank's server, the transfer is typically processed through a central management system or the bank's own system.

[0096] During the automatic transfer execution phase, the server at the bank where the payroll account is opened can execute the automatic transfer according to the established transfer cycle. At this time, the server at the bank where the payroll account is opened can deduct the amount to be transferred from the account (the payroll account) according to preset information and transfer the funds to the recipient bank's account (the designated destination account).

[0097] In the transfer result confirmation step, if the transfer is successfully completed, the server of the bank where the payroll account was opened can send a notification to the user terminal (200). Additionally, the server of the receiving bank can deposit the amount transferred to the account and send a notification to the user terminal (200).

[0098] Meanwhile, the processing time for these automatic transfers can generally be based on a set transfer cycle. Typically, transfers are processed on a set date (e.g., the 15th of every month).

[0099] For example, if you set up an automatic transfer on the 15th of each month for a specific account, the server at the bank where your payroll account is opened will process the transfer on that day. The server will deduct the set transfer amount and transfer that amount to the account you set.

[0100] Once automatic transfers are set up, the transfers will be automatically processed on the same date each month, and this can be repeated according to a cycle set by the user through the application. The bank where the payroll account is opened can process the transfer according to the set automatic transfer schedule (e.g., the 15th of each month). To achieve this, the bank's system can be programmed to identify the set transfer schedule and execute the transfer on that date. The bank can then automatically execute the set transfer on the 15th of each month. The bank's server can deduct the amount to be transferred from the account based on preset information and transfer it to the recipient bank's account (the designated destination account). Through this process, the bank can accurately identify the transfer schedule and process the automatic transfer accordingly.

[0101] FIG. 5 is a drawing for explaining an input for moving a slider according to one embodiment.

[0102] Referring to FIG. 5, it can be confirmed that the screen displayed on the display (210) changes when the input unit (220) of the user terminal (200) receives a transfer amount change command.

[0103] A transfer amount change command can be input information that allows a user to change the expected transfer amount for a target account. The target account can be the account for which the transfer amount is to be changed.

[0104] For example, if a user inputs input information to change the expected transfer amount of a certain purpose-setting account named 'Collect 100 million won' from 0 won to 250,000 won as a transfer amount change command, the account to be changed at this time may be that certain purpose-setting account named 'Collect 100 million won'.

[0105] When the input unit (220) of the user terminal (200) receives a transfer amount change command, the processor (110) can determine the value of the expected transfer amount of the change target account based on the transfer amount change command.

[0106] The processor (110) can control the display (210) to display the expected transfer amount value of the target account for the change with respect to the information of the target account for the change. For example, if the input unit (220) of the user terminal (200) receives a transfer amount change command with input information to change the expected transfer amount of a certain purpose-setting account named "Collect 100 Million Won" from 0 won to 250,000 won, the display (210) can change the expected transfer amount value of the purpose-setting account named "Collect 100 Million Won" from 0 won to 250,000 won and display it.

[0107] When the input unit (220) of the user terminal (200) receives a command to change the transfer amount, the processor (110) can change the value of the undistributed salary based on the value of the expected transfer amount and the value of the expected salary of the account to be changed. At this time, the processor (110) can control the display (210) so that the changed value of the undistributed salary is displayed for the information (402) of the salary account.

[0108] For example, if the input unit (220) of the user terminal (200) receives a command to change the transfer amount of input information to change the expected transfer amount of a certain purpose-set account named 'Collect 100 Million Won' from 0 won to 250,000 won, the value of the undistributed salary is changed from 375,000 won to 125,000 won, and the display (210) can display the value of the undistributed salary by changing it from 375,000 won to 125,000 won.

[0109] Referring to FIGS. 4 and 5, the processor (110) can control the display (210) to display a slider area (410) for each purpose setting account, which displays information (401) of each purpose setting account.

[0110] The slider area (410) is an area that visually displays a shape of a size or length that has a positive correlation with the amount to be distributed to the corresponding purpose-setting account. It may be an area on the screen where a user can intuitively check the amount to be distributed to each purpose-setting account or adjust the amount to be distributed through input such as sliding or dragging after touching or clicking. The slider area (410) may include an expected transfer amount display bar (411) and a slider (412).

[0111] The processor (110) may control the display (210) to display at least one of the area occupied by the expected transfer amount display bar (411) in the slider area (410) and the length of the expected transfer amount display bar (411) differently depending on the value of the amount to be automatically transferred for each pay period for the purpose-setting account. For example, when the expected transfer amount of a certain purpose-setting account named 'Collect 100 million won' is 0 won, 250,000 won, and 1 million won, the area occupied by the expected transfer amount display bar (411) in the slider area (410) and the length of the expected transfer amount display bar (411) may be different from each other. At this time, when the expected transfer amount of a certain purpose-setting account named 'Collect 100 million won' is 0 won, the area occupied by the expected transfer amount display bar (411) in the slider area (410) may be 0, but is not limited thereto.

[0112] A slider (412) may be connected to an end of an expected transfer amount display bar (411) at one end. Depending on the position of the slider (412), the length of the expected transfer amount display bar (411) or the area occupied by the expected transfer amount display bar (411) in the slider area (410) may vary.

[0113] The processor (110) can control the display (210) to display the slider (412).

[0114] The user can adjust the automatic transfer amount to be distributed to the target account corresponding to each slider (412) by adjusting the position of the slider (412).

[0115] That is, the processor (110) can determine an amount corresponding to at least one of the position of the slider (412) in the slider area (410) and the area occupied by the expected transfer amount display bar (411) in the slider area (410) as the expected transfer amount for the target account.

[0116] The position of the slider (412) in the slider area (410) and the area occupied by the expected transfer amount display bar (411) in the slider area (410) also have the function of visually displaying the amount to be distributed to the target account, and can also function as an input means for the input unit (220) that receives a user's command.

[0117] The processor (110) can control the display (210) to display an undistributed salary display area (420) that is displayed for information (402) of a salary account. The undistributed salary display area (420) is an area that visually displays a shape of a size or length that has a positive correlation with the value of the undistributed salary, and can be an area on the screen where a user can intuitively confirm the amount of the undistributed salary.

[0118] The undistributed salary display area (420) may include an undistributed salary display bar (421).

[0119] The processor (110) can control the display (210) to differently display at least one of the length of the undistributed salary display bar (421) and the area that the undistributed salary display bar (421) occupies in the undistributed salary display area (420) depending on the value of the undistributed salary.

[0120] Referring to FIG. 5, when the input information of moving the slider (412) along the slider area (410) is received by the input unit (220) of the user terminal (200) as a transfer amount change command, a change in the screen can be confirmed.

[0121] At this time, the processor (110) can control the display (210) so that the slider (412) is displayed in a position corresponding to the input information in the slider area (410). For example, if the user touches the slider (412) of a goal setting account named 'Collect 100 Million' and then slides it to change the position and releases the finger, or if the user clicks the slider (412) with the mouse and then changes the position and releases the mouse click, the position of the slider (412) on the screen can be changed to the position where the slider (412) is located at the time the user lifts the finger.

[0122] In this way, when the position of the slider (412) in the slider area (410) is changed, the processor (110) can control the display (210) to change the area occupied by the expected transfer amount display bar (411) connected to one end of the slider (412) in the slider area (410) or the length of the expected transfer amount display bar (411) to correspond to the changed position of the slider (412).

[0123] When the position of the slider (412) in the slider area (410) corresponding to the target account for change is changed according to a command input to the user's input unit (220), the processor (110) can determine an amount corresponding to at least one of the changed position of the slider (412) in the slider area (410) and the area occupied by the changed expected transfer amount display bar (411) in the slider area (410) as the expected transfer amount for the target account for change.

[0124] Meanwhile, if a user sets up an automatic transfer from his or her own salary account to an external automatic transfer account with a set purpose, not through the application screen displayed by the account management system (100), there may be a problem with the display or reflection of information on the amount of this external transfer.

[0125] Figure 6 is a drawing showing a screen where information on an external automatic transfer account is displayed.

[0126] Referring to FIG. 6, the account management application screen (400) according to one embodiment may further display information (403) of an external automatic transfer account, a value of an external transfer amount, and an external transfer amount display area (430).

[0127] An external automatic transfer account may be an account that is preset to automatically receive a transfer amount equal to the external transfer amount set for each pay period from a payroll account through a means other than the passbook management system (100).

[0128] The external transfer amount may be an amount periodically deposited from a salary account to an external automatic transfer account. Information regarding the external transfer amount may include the value of the external transfer amount, the automatic transfer period, etc., received from the bank server (300) of the bank where the external automatic transfer account is opened.

[0129] Multiple external automatic transfer accounts can be established. Furthermore, it doesn't matter if the name of one external automatic transfer account and the name of another designated account are the same.

[0130] The processor (110) can control the display (210) so that the value of the external transfer amount is displayed for the information (403) of the external automatic transfer account based on the information of the external transfer amount.

[0131] For example, if the payroll cycle is one month and the expected transfer amount to be distributed to an external automatic transfer account with the name ‘Collect 100 Million Won’ each month is 250,000 won, the processor (110) can control the display (210) to display 250,000 won for the information (403) of the external automatic transfer account including the name ‘Collect 100 Million Won’ and the bank logo of the bank where the external automatic transfer account is opened.

[0132] The processor (110) can determine the value of the undistributed salary based on the value of the external transfer amount, the value of the expected transfer amount, and the value of the expected salary.

[0133] For example, if the value of the expected salary is 2.5 million won and the sum of the values ​​of the expected transfer amounts of each purpose-setting account and the values ​​of the external transfer amounts of the external automatic transfer accounts is 2.125 million won, the processor (110) can determine 375,000 won, which is obtained by subtracting 2.125 million won from 2.5 million won, as the value of the undistributed salary.

[0134] The processor (110) can control the display (210) to display an external transfer amount display area (430) that is displayed for information (403) of an external automatic transfer account. The external transfer amount display area (430) is an area that visually displays a shape of a size or length that has a positive correlation with the value of the external transfer amount, and can be an area on the screen where a user can intuitively check the external transfer amount.

[0135] The external transfer amount display area (430) may include an external transfer amount display bar (431).

[0136] The processor (110) can control the display (210) to display at least one of the length of the external transfer amount display bar (431) and the area that the external transfer amount display bar (431) occupies in the external transfer amount display area (430) differently depending on the value of the amount to be automatically transferred for each pay period for the external automatic transfer account.

[0137] At this time, the processor (110) may control the display (210) to differently display at least one of the length of the undistributed salary display bar (421) and the area that the undistributed salary display bar (421) occupies in the undistributed salary display area (420) according to the value of the undistributed salary determined based on the value of the external transfer amount, the value of the expected transfer amount, and the value of the expected salary.

[0138] Meanwhile, users may wish to check the information on their installment account and the installment amount, regardless of whether automatic transfer is enabled, along with information on the amount to be distributed to the designated account or external automatic transfer account.

[0139] Figure 7 is a drawing showing a screen where information on a balance inquiry account is displayed.

[0140] Referring to FIG. 7, the account management application screen (400) according to one embodiment may further display information (404) of a balance inquiry account, the value of the amount deposited in the balance inquiry account, and a balance display area (440).

[0141] The balance inquiry account may be an account that has been preset as the target of the balance inquiry.

[0142] The processor (110) can control the display (210) so that the value of the amount deposited in the balance inquiry account is displayed for the balance inquiry account based on information on the amount deposited in the balance inquiry account received from the bank server (300) of the bank where the balance inquiry account is opened by the communication module (120).

[0143] For example, if the value of the amount deposited in a balance inquiry account with the name of ‘Collect 100 Million Won’ is 0 won, the processor (110) can control the display (210) so that 0 won is displayed for the balance inquiry account information (404) including the name of ‘Collect 100 Million Won’ and the bank logo of the bank where the balance inquiry account was opened.

[0144] The processor (110) can control the display (210) to display a balance display area (440) for information (404) of a balance inquiry account.

[0145] The balance display area (440) may include a balance display bar (441).

[0146] The processor (110) can control the display (210) to display at least one of the length of the balance display bar (441) and the area that the balance display bar (441) occupies in the balance display area (440) differently depending on the value of the amount deposited in the balance inquiry account.

[0147] At this time, the processor (110) can control the display (210) to differently display at least one of the length of the undistributed salary display bar (421) and the area that the undistributed salary display bar (421) occupies in the undistributed salary display area (420) according to the value of the undistributed salary determined based on the value of the external transfer amount, the value of the expected transfer amount, and the value of the expected salary, regardless of the value of the amount deposited in the balance inquiry account.

[0148] Figure 8 is a drawing for explaining the process of entering information for an external automatic transfer account.

[0149] Referring to FIG. 8, a user can input information such as the amount to be periodically deposited into an external automatic transfer account, the date to be periodically deposited, and the name through the display (210) and input unit (220).

[0150] Figure 9 is a drawing showing a screen for entering fixed cost information, and Figure 10 is another drawing showing a screen for entering fixed cost information.

[0151] If a user has fixed expenses that they regularly incur, there may be issues with the display of these fixed expenses or the possibility that the payroll that can be distributed may vary depending on these fixed expenses. Specifically, it is desirable for the input unit (220) to receive input information regarding the payroll distribution so that the amount corresponding to these fixed expenses is always left in the payroll account. In other words, it may be desirable to block the input of automatic transfer settings that would result in no fixed expenses remaining.

[0152] Referring to FIGS. 9 and 10, a user can input information on each fixed cost amount into the input unit (220) according to the type of his or her periodic fixed cost.

[0153] For example, a user can input information in the input section (220) such as that the monthly rent he or she pays is 500,000 won.

[0154] Of course, it may also be possible to input the total fixed cost amount, which is the sum of each fixed cost, into the input section (220).

[0155] Figure 11 is a drawing showing a screen where a fixed cost display bar is displayed.

[0156] Referring to FIG. 11, the account management application screen (400) according to one embodiment may further display information on fixed costs.

[0157] The processor (110) can determine the value of fixed costs, which are costs that are fixedly spent for each pay period, based on the user's fixed cost information received by the input unit (220) of the user terminal (200).

[0158] For example, the processor (110) may determine the value of fixed costs, which are costs that are fixedly spent for each pay period, as 350,000 won based on the sum of the amounts of mobile phone charges, monthly rent, transportation expenses, etc. entered by the user.

[0159] The undistributed salary display area (420) may further include a fixed cost display bar (422).

[0160] The processor (110) can control the display (210) to differently display at least one of the length of the fixed cost display bar (422) and the area that the fixed cost display bar (422) occupies in the undistributed salary display area (420) depending on the value of the fixed cost.

[0161] At this time, the processor (110) can control the display (210) so that the fixed cost display bar (422) covers part or all of the undistributed salary display bar (421). That is, the area or length of the fixed cost display bar (422) that covers the undistributed salary display bar (421) can vary depending on the value of the fixed cost.

[0162] If the value of the fixed cost and the value of the undistributed salary are the same, the processor (110) can control the display (210) to display the fixed cost display bar (422) so that it covers the entirety of the undistributed salary display bar (421). For example, if the value of the fixed cost is 350,000 won and the value of the undistributed salary is also 350,000 won, the fixed cost display bar (422) covers the entirety of the undistributed salary display bar (421), so that the user cannot see the undistributed salary display bar (421) and can only see the fixed cost display bar (422).

[0163] The input for increasing the transfer amount may be input information in the form of moving a slider (412) along a slider area (410) for the purpose of increasing the value of the expected transfer amount for the target account.

[0164] If the value of the fixed cost and the value of the undistributed salary are the same, the processor (110) can control the input unit (220) of the display (210) to block the input of an increase in the transfer amount for the purpose-setting account. That is, if the fixed cost display bar (422) is displayed so as to completely cover the undistributed salary display bar (421), the user cannot move the slider (412) for any one purpose-setting account in the direction of increasing the automatic transfer amount to be distributed to the corresponding purpose-setting account.

[0165] Accordingly, the account management system (100) can prevent salary distribution in advance in a way that leaves an amount in the salary account that is less than the fixed expenses to be paid each month.

[0166] Meanwhile, the expected transfer amount display bar (411), undistributed salary display bar (421), fixed cost display bar (422), external transfer amount display bar (431), and balance display bar (441) may have a bar shape as shown, but are not limited thereto.

[0167] Figure 12 is a diagram illustrating a screen where a new slider area can be added.

[0168] Referring to FIG. 12, the account management application screen (400) may display buttons that allow a user to add information and a slider area of ​​a new purpose-setting account to an existing savings goal or to add information and a slider area of ​​a new purpose-setting account to a new savings goal.

[0169] There may be multiple purpose-designated accounts, and the expected transfer amount may be set separately for each purpose-designated account. The multiple purpose-designated accounts may be for different purposes, or several may be for the same purpose. Users may additionally set up purpose-designated accounts for purposes other than the previously set purpose, or they may set up additional purpose-designated accounts for those purposes to achieve the previously set purpose.

[0170] In the account management application screen (400), the value of the fixed cost corresponding to the fixed cost display bar (422) may be displayed in the upper direction of the undistributed salary display area (420). This may be displayed next to the phrase 'My fixed cost'.

[0171] On the account management application screen (400), buttons can be displayed for adding information and slider areas of a corresponding purpose-setting account for each displayed savings goal. For example, a button labeled "Add Savings Rule" can be displayed for a savings goal phrase indicating "Save 100 million won", and a button labeled "Add Savings Rule" can be displayed for a savings goal phrase indicating "Happiness Funds", respectively, on the account management application screen (400). At this time, when the user presses the "Add Savings Rule" button corresponding to the savings goal phrase indicating "Save 100 million won," information and a slider area (410) of a new purpose-setting account can be added for the goal of "Save 100 million won." At this time, there can be two or more slider areas (410) that can be adjusted to save 100 million won.

[0172] The account management application screen (400) may display a button that allows users to add information and a slider area for a purpose-setting account for a completely new goal. For example, the account management application screen (400) may display a button labeled "+ Add Goal" at the bottom. When the user presses the "+ Add Goal" button, information and a slider area (410) for a new purpose-setting account can be added for a previously undisplayed goal, rather than for an existing goal, such as "Saving 100 Million Won" or "Happiness Funds."

[0173] At least one component may be added or deleted in response to the performance of the components described above. Furthermore, those skilled in the art will readily understand that the relative positions of the components may be altered in response to the performance or structure of the system.

[0174] Figure 13 is a flowchart of a control method for a passbook management system according to one embodiment. This is merely a preferred embodiment for achieving the purpose of the present invention, and it is understood that certain components may be added or deleted as needed.

[0175] Referring to FIG. 13, the input unit (220) can receive a command (1001) for changing the position of the slider (412) in the slider area (410). The input unit (220) can transmit information about the received command to the processor (110).

[0176] The processor (110) can determine an amount corresponding to at least one of the position of the slider (412) and the area occupied by the expected transfer amount display bar (411) as the expected transfer amount (1002).

[0177] The processor (110) can determine the value of the undistributed salary based on the value of at least one expected transfer amount and the value of the expected salary (1003).

[0178] The processor (110) can control the display (210) to display at least one of the length of the undistributed salary display bar (421) and the area occupied by the undistributed salary display bar (421) in the undistributed salary display area (420) differently depending on the value of the undistributed salary changed by the user input (1004).

[0179] The processor (110) can control the display (210) to display at least one of the area occupied by the transfer amount display bar (411) in the slider area (410) and the length of the transfer amount display bar (411) differently depending on the value of the amount to be automatically transferred for each pay period changed by user input (1005).

[0180] The processor (110) can control the communication module (120) to transmit automatic transfer request information to the bank server (300) of the bank where the payroll account is opened for each payroll cycle (1006).

[0181] The bank server (300) of the bank where the salary account is opened can perform automatic transfer for each purpose-set account based on automatic transfer request information (1007).

[0182] The control method of the passbook management system (100) according to the embodiments of the present invention described so far and the embodiments to be described in the future can be implemented in the form of a program that can be driven by a processor (110).

[0183] Here, the program may include program commands, data files, and data structures, either singly or in combination. The program may be designed and produced using machine language code or high-level language code. The program may be specifically designed to implement the control method of the aforementioned passbook management system (100), or may be implemented using various functions or definitions that are known and available to those skilled in the art of computer software. The program for implementing the control method of the aforementioned passbook management system (100) may be recorded on a recording medium readable by the processor (110). In this case, the recording medium may be a memory (130).

[0184] The memory (130) can store a program that performs the operations described above and the operations described below, and the memory (130) can execute the stored program. In the case where there are multiple processors (110) and memories (130), they can be integrated into one chip or provided in physically separate locations. The memory (130) can include volatile memory such as Static Random Access Memory (S-RAM) and Dynamic Random Access Memory (D-RAM) for temporarily storing data. In addition, the memory (130) can include nonvolatile memory such as Read Only Memory (ROM), Erasable Programmable Read Only Memory (EPROM), and Electrically Erasable Programmable Read Only Memory (EEPROM) for long-term storage of control programs and control data.

[0185] The processor (110) may include various logic circuits and operation circuits, process data according to a program provided from the memory (130), and generate a control signal according to the processing result.

[0186] The disclosed embodiments have been described with reference to the attached drawings as described above. Those skilled in the art will understand that the present invention can be implemented in forms other than the disclosed embodiments without altering the technical spirit or essential features of the present invention. The disclosed embodiments are illustrative and should not be construed as limiting.

Claims

1. A processor that controls a user terminal configured to allow a user to input input information and check a screen displayed on a display, wherein the user sets the distribution of the salary so that money is automatically transferred from the salary account receiving the salary to at least one purpose-setting account in an amount set for the salary. The above processor: Based on the value of at least one expected transfer amount, which is an amount to be automatically transferred from the salary account for each pay period corresponding to the receipt of the salary, and the value of the expected salary, which is an amount expected to be deposited into the salary account, for each of the above-mentioned purpose-setting accounts, the value of the undistributed salary, which is an amount expected to remain in the salary account without being transferred to another account for each of the above-mentioned pay periods, is determined; and A passbook management system that controls the display so that the value of the above undistributed salary is displayed for the information of the salary account.

2. In paragraph 1, Further comprising a communication module configured to communicate with a bank server of a bank where the above salary account is opened, The above processor, A passbook management system that controls the communication module to transmit automatic transfer request information to the bank server of the bank where the payroll account is opened, requesting that money from the payroll account be transferred to the purpose-setting account in the amount of the expected transfer amount corresponding to the preset date for each purpose-setting account for each payroll cycle.

3. In paragraph 1, The above processor, A passbook management system that controls the display to display the expected transfer amount corresponding to each information of the purpose setting account.

4. In paragraph 3, When the input unit of the user terminal receives a transfer amount change command, which is input information for changing the expected transfer amount for the change target account, which is the account for which the user wishes to change the transfer amount, the processor: Based on the above transfer amount change command, determine the value of the expected transfer amount of the change target account; and A passbook management system that controls the display to display the value of the expected transfer amount of the above-mentioned change target account for the information of the above-mentioned change target account.

5. In paragraph 4, When the input unit of the user terminal receives the above transfer amount change command, the processor: Change the value of the undistributed salary based on the value of the expected transfer amount of the account to be changed and the value of the expected salary; and A passbook management system that controls the display so that the value of the changed undistributed salary is displayed for the information of the salary account.

6. In paragraph 5, The above processor, Control the display to display a slider area for each purpose setting account, which displays information about each purpose setting account; and A passbook management system that controls the display so that the area occupied by the expected transfer amount display bar included in the slider area is displayed differently depending on the value of the amount to be automatically transferred for each pay period for the above-mentioned purpose-set account.

7. In paragraph 6, The above processor: Controlling the display to display a slider included in the slider area and having an end of the transfer amount display bar connected to one end; and A passbook management system configured to determine an amount corresponding to at least one of the position of the slider in the slider area and the area occupied by the expected transfer amount display bar in the slider area as the expected transfer amount for the purpose-setting account.

8. In paragraph 7, The above processor: Control the display to display the undistributed salary display area for the information of the above salary account; and A passbook management system that controls the display so that the area occupied by the undistributed salary display bar included in the undistributed salary display area in the undistributed salary display area is displayed differently depending on the value of the undistributed salary.

9. In paragraph 8, The above processor: When the input unit of the user terminal receives input information in the form of moving the slider along the slider area as a transfer amount change command, the display is controlled so that the slider is displayed at a position corresponding to the input information in the slider area; and A passbook management system that controls the display so that when the position of the slider in the slider area is changed, the area occupied by the expected transfer amount display bar connected to one end of the slider in the slider area is changed to correspond to the changed position of the slider.

10. In paragraph 9, The above processor, A passbook management system configured to determine, as the expected transfer amount for the change target account, an amount corresponding to at least one of the changed position of the slider in the slider area and the area occupied by the changed expected transfer amount display bar in the slider area when the position of the slider in the slider area corresponding to the target account for which the user wishes to change the transfer amount is changed.

11. In paragraph 8, Further comprising a communication module configured to communicate with the bank server of the bank where the external automatic transfer account is opened, The above processor: Controlling the display so that the value of the external transfer amount is displayed against the information of the external automatic transfer account based on information of the external automatic transfer amount to be periodically deposited into the external automatic transfer account received from the bank server of the bank where the external automatic transfer account is opened; and It is configured to determine the value of the undistributed salary based on the value of the external transfer amount, the value of the expected transfer amount, and the value of the expected salary, The above external automatic transfer account is, A passbook management system, which is an account preset to automatically receive a remittance from the payroll account for the external transfer amount set for each payroll period through a means other than the passbook management system.

12. In paragraph 11, The above processor, Control the display to display an external transfer amount display area for the information of the external automatic transfer account; and A passbook management system that controls the display so that the external transfer amount display bar included in the external transfer amount display area displays the area occupied by the external transfer amount display area differently according to the value of the amount to be automatically transferred for each pay period for the external automatic transfer account.

13. In paragraph 7, Further comprising a communication module configured to communicate with the bank server of the bank where the balance inquiry account, which is a preset account as the target of the balance inquiry, is opened, The above processor, A passbook management system that controls the display so that the value of the amount deposited in the balance inquiry account is displayed for the balance inquiry account based on information on the amount deposited in the balance inquiry account received from the bank server of the bank where the balance inquiry account is opened.

14. In paragraph 13, The above processor, Control the display to display the balance display area for the information of the balance inquiry account; and A passbook management system that controls the display so that the balance display bar included in the balance display area displays the area occupied by the balance display area differently depending on the value of the amount deposited in the balance inquiry account.

15. In paragraph 9, The above processor: Based on the user's fixed cost information received by the input unit of the user terminal, the value of the fixed cost, which is a cost that is fixedly spent for each pay period, is determined; and A passbook management system that controls the display so that the fixed cost display bar included in the undistributed salary display area displays the area occupied by the undistributed salary display area differently depending on the value of the fixed cost.

16. In paragraph 15, The above processor: Controlling the display so that the fixed cost display bar covers part or all of the undistributed salary display bar; If the value of the fixed cost and the value of the undistributed salary are the same, the display is controlled so that the fixed cost display bar covers the entirety of the undistributed salary display bar; and If the value of the above fixed cost and the value of the above undistributed salary are the same, the input section of the above display is controlled to block the input of the increase in the transfer amount for the above purpose-setting account, Enter the above transfer amount increase, A passbook management system, which is input information that moves a slider along the slider area to increase the value of the expected transfer amount for the above-mentioned purpose-setting account.

17. One or more processors, and A method performed in a bankbook management system having a memory storing one or more programs executed by one or more processors, A step of controlling a user terminal configured to allow a user who sets up distribution of the salary to automatically transfer money in an amount set in at least one purpose-setting account from a salary account receiving the salary, to input input information and check a screen displayed on a display; A step of determining a value of an undistributed salary, which is an amount expected to remain in the salary account for each pay period without being transferred to another account, based on the value of at least one expected transfer amount, which is an amount to be automatically transferred from the salary account for each pay period corresponding to the receipt of the salary, and the value of an expected salary, which is an amount expected to be deposited into the salary account; A step of controlling a communication module to transmit automatic transfer request information to the bank server of the bank where the salary account is opened, requesting that money from the salary account be transferred to the purpose-setting account in the amount of the expected transfer amount corresponding to the preset date for each purpose-setting account for each salary cycle; A step of controlling the display so that the value of the undistributed salary is displayed for the information of the salary account; and A control method of a passbook management system, comprising a step of controlling the display to display the value of the expected transfer amount corresponding to each information of the purpose setting account.

18. In paragraph 17, A step of controlling the display to display the value of the expected transfer amount of the change target account based on the transfer amount change command, when the input unit of the user terminal receives a transfer amount change command, which is input information for changing the expected transfer amount of the change target account, for the purpose of changing the transfer amount of the user; A step of changing the value of the undistributed salary based on the value of the expected transfer amount of the change target account and the value of the expected salary when the input unit of the user terminal receives the command to change the transfer amount, and controlling the display so that the changed value of the undistributed salary is displayed for the information of the salary account; A step of controlling the display to display a slider area for each purpose setting account, wherein information about each purpose setting account is displayed for each purpose setting account; A step of controlling the display so that the area occupied by the expected transfer amount display bar included in the slider area is displayed differently depending on the value of the amount to be automatically transferred for each pay period for the purpose-setting account; A step of controlling the display to display a slider included in the slider area and having an end of the transfer expected amount display bar connected to one end; A step of determining an amount corresponding to at least one of the position of the slider in the slider area and the area occupied by the expected transfer amount display bar in the slider area as the expected transfer amount for the purpose setting account; A step of controlling the display to display an undistributed salary display area for information on the salary account; and A control method of a passbook management system further comprising a step of controlling the display so that the area occupied by the undistributed salary display bar included in the undistributed salary display area is displayed differently in the undistributed salary display area depending on the value of the undistributed salary.

19. In paragraph 18, A step of controlling the display so that the value of the external transfer amount is displayed with respect to the information of the external automatic transfer account based on information of the external automatic transfer amount to be periodically deposited into the external automatic transfer account received from the bank server of the bank where the external automatic transfer account is opened; A step of determining the value of the undistributed salary based on the value of the external transfer amount, the value of the expected transfer amount, and the value of the expected salary; A step of controlling the display to display an external transfer amount display area for information on the external automatic transfer account; A step of controlling the display so that the external transfer amount display bar included in the external transfer amount display area displays the area occupied by the external transfer amount display area differently according to the value of the amount to be automatically transferred for each pay period for the external automatic transfer account; A step of controlling the display so that the value of the amount deposited in the balance inquiry account is displayed for the balance inquiry account based on information on the amount deposited in the balance inquiry account received from the bank server of the bank where the balance inquiry account is opened; A step of controlling the display to display a balance display area for information on the balance inquiry account; A step of controlling the display so that the balance display bar included in the balance display area displays the area occupied by the balance display area differently depending on the value of the amount deposited in the balance inquiry account; A step of determining the value of fixed costs, which are costs that are fixedly spent for each pay period, based on the user's fixed cost information received by the input unit of the user terminal; A step of controlling the display so that the fixed cost display bar included in the undistributed salary display area displays the area occupied by the undistributed salary display area differently according to the value of the fixed cost; A step of controlling the display so that the fixed cost display bar covers part or all of the undistributed salary display bar; If the value of the fixed cost and the value of the undistributed salary are the same, a step of controlling the display so that the fixed cost display bar covers the entirety of the undistributed salary display bar; and If the value of the fixed cost and the value of the undistributed salary are the same, the step of controlling the input unit of the display to block the input of the increase in the transfer amount for the purpose setting account is further included. The above external automatic transfer account is an account preset to automatically receive the external transfer amount set for each pay period from the above salary account through a means other than the above account management system. The above balance inquiry account is an account preset as the target of balance inquiry, A control method of a passbook management system, wherein the above transfer amount increase input is input information in a manner of moving a slider along the slider area for the purpose of increasing the value of the expected transfer amount for the above purpose-set account.

20. A non-transitory recording medium storing a computer-readable computer program to execute the control method of the account management system of Article 17.

Images