Method and apparatus for bank's providing saving account for small saver, method and apparatus for client's utilizing saving account for small saver

摘要

PURPOSE: A method for a bank server to provide a small savings plan and a bank server thereof, and a method for a terminal to use the small savings plan of a bank and a terminal thereof are provided to enable a customer to access an internet banking system by using the terminal and automatically deposit saved money or spare money in a small savings account on a daily basis. CONSTITUTION: A bank server receives a deposit request for small savings from a customer terminal (1010). If the bank server receives the deposit request during an accumulation period which is set by the unit of a pre-set number of months, the bank server withdraws deposit-requested money from the master account of a customer and accumulates the withdrawn money into a small savings account of the customer (1020). If the expiration date of the accumulation period for the small savings account arrives, the bank server automatically withdraws accumulated savings from the small savings account and transfers the withdrawn savings to the master account (1030). [Reference numerals] (1010) A bank server receives a deposit request for small savings from a customer terminal; (1020) A bank server withdraws deposit-requested money from the master account of a customer for saving periods and accumulates the withdrawn money into a small savings account of the customer; (1030) A bank server automatically withdraws accumulated savings from a small savings account and transfers the withdrawn savings to a master account; (AA) Start; (BB) End