KR20080034360A - Integrated financial service system for using internet network and method thereof - Google Patents

Abstract

A system and a method for providing an integrated financial service on the Internet are provided to offer a financial transaction service quickly/conveniently by displaying financial transaction services of a plurality of financial companies in one screen through one program executed in a client environment. An integrated financial service server(30) supports an integrated financial service by connecting to a user terminal(10) through the Internet(20) and connecting to more than one financial company server(40) directly. The user terminal includes an integrated financial service program providing the integrated financial service in one screen through one program. The integrated financial service program analyzes a current earning rate, a purchase expense, and details of accounts of each financial company based on an inquiry time point by using total asset, deposit, an available withdrawal amount, a before-tax evaluation amount, and an after-tax evaluation amount, and provides an analysis result to the user terminal. The integrated financial service server includes financial transaction programs/applications of the cooperated financial companies, and an authentication module performing an authentication procedure of a connected user.

Description

Integrated financial service system using internet network and its method {INTEGRATED FINANCIAL SERVICE SYSTEM FOR USING INTERNET NETWORK AND METHOD THEREOF}

1 is a schematic configuration diagram of an integrated financial service system using the Internet network according to an embodiment of the present invention.

2 is a diagram illustrating a detailed configuration of the integrated financial service system server shown in FIG. 1 and a connection relationship with a sales company server.

3 is a flowchart illustrating the operation of the integrated financial service system using the Internet network according to an embodiment of the present invention.

4 is a flow chart showing the operation of the account integrated service of the integrated financial service system using the Internet network according to an embodiment of the present invention.

5 is a diagram illustrating an integrated login screen of an integrated financial service system using an internet network according to an embodiment of the present invention.

6 is an example of a screen for buying a fund product of any securities company as an operation example of an integrated financial service system using the Internet network according to an embodiment of the present invention.

7 is an example of the operation of the integrated financial service system using the Internet network according to an embodiment of the present invention, an example of a screen of a comprehensive account search service.

<Explanation of symbols for the main parts of the drawings>

10: user terminal 20: Internet network

30: integrated financial service system server 40: financial company server

The present invention relates to an integrated financial service system and method using an internet network that can be integrated with the financial services provided by each financial company using a program operating in a client system (user terminal) environment.

In general, financial firms, including securities firms, banks, fund managers, and insurance companies, sell financial products online through the development of information and communication network technology.

Each financial company sells a number of financial products developed by them, and sells financial products developed by affiliated financial companies in partnership with other financial companies.

However, a plurality of financial products are sold at a plurality of financial companies, not all at one financial company, and are sold at a plurality of financial companies affiliated with one financial product.

Therefore, in order to purchase various financial products or any one financial product from each financial company, it is necessary to open an account with each of the plurality of financial companies.

In addition, since a single financial product is sold by a plurality of financial companies, and each financial company shows a different rate of return, it is necessary to find a financial company that shows a higher profit for the purpose of recovering high investment profits and purchase the financial product.

In other words, if you want to buy financial products from a plurality of financial companies, you can use the terminal (hereinafter referred to as "user terminal") connected to the Internet network to provide financial transaction programs (including homepages) provided for each financial company individually. After running and logging in, you should compare the financial products offered on the screens of each financial transaction program and then buy the financial products you need.

A buyer who purchases financial products sold by a plurality of financial companies must use a financial transaction program for each financial company set in the user terminal in order to verify his account information.

In addition, if a user wants to use other financial services in addition to the purchase of a specific financial product and the inquiry of account information, each financial transaction program provided by each financial company is executed by using a user terminal, which is provided on the screen of each financial transaction program. You must use the service.

In other words, each independent financial transaction program provided by each financial institution can be executed individually on one screen, so that buyers who want to view financial assets in an integrated manner can receive the desired number of financial products, account inquiries and other financial services. There are drawbacks to failing to meet expectations.

In addition, most of the financial transaction programs installed in the user terminal used by the buyer are not directly connected to the financial institution's server, but are connected to the financial institution's homepage to display information received from the financial institution's server on the screen of the financial transaction program. I'm applying the way.

That is, a client scripting method is used in which a user terminal, which is a client environment, and a homepage of a financial company, which is a client environment, are connected, and a homepage, which is a client environment, receives financial transaction and management information from a server of a financial company and displays the information on a user terminal.

This slows down the speed of financial transaction services, causing buyers' dissatisfaction and providing anxiety in financial transactions.

In addition, when the homepage (client) of a financial company is modified, the online transaction program set in the user terminal does not immediately reflect the modification, and thus the user may not use the desired financial service.

The present invention has been invented to solve the above problems, the object of which is to display a financial transaction services provided by a plurality of financial companies at the same time through a single program running in a client environment at the same time faster and more convenient financial transactions The service is provided.

Another object of the present invention is to compare the return and purchase costs of the same or similar financial products sold by a plurality of financial companies on a single screen through a program running in a client environment to recover the maximum return on investment with a minimum cost It is to buy financial products that can be bought.

It is still another object of the present invention to provide a fast financial transaction service through online exchange of substantial data related to financial transaction service by directly connecting a program operating in a client environment and a server of each financial institution. Even if the program is modified, the program operates normally so that the financial transaction service can be used normally.

Another object of the present invention is to search for and compare detailed information on a plurality of financial products sold by a plurality of financial companies on one screen through a program when a user constructs a new portfolio or modifies an existing portfolio. It is to be able to buy or sell in a batch.

A financial service system using an internet network according to a feature of the present invention for realizing the above object is a financial service system for connecting a user terminal and at least one financial company server to the internet network, wherein the user terminal is connected through an internet network. And a server of an integrated financial service system that is directly connected to the one or more financial company servers to support integrated financial services.

In addition, the integrated financial service method using the Internet network according to another aspect of the present invention, executing the integrated financial service program installed in the user terminal to display the initial screen as a login screen; Selecting one or more financial companies on the login screen and executing an integrated login for the selected one or more financial companies; The server of the integrated financial service system according to the integrated login, accessing each selected financial institution server and performing an authentication procedure for confirming whether a legitimate user is present; Displaying a screen of an integrated financial service program on a screen of a user terminal to select a desired financial transaction menu; Switching to a corresponding menu screen according to a selection of a financial transaction menu, and transmitting the selected financial transaction to a server of a corresponding financial institution according to selection and execution of the financial transaction; And receiving the execution result of the financial transaction and displaying the result on the screen of the user terminal.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention.

As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention.

In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention.

In addition, when a certain component is "included" in a certain part, it means that it may further include other components, except to exclude other components unless otherwise stated.

Now, the integrated financial service system using the Internet network according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a schematic configuration diagram of an integrated financial service system using the Internet network according to an embodiment of the present invention.

As shown in FIG. 1, the present invention includes a user terminal 10, a server 30 of the integrated financial service system, and a plurality of financial company servers 40.

The user terminal 10 is connected online with the server 30 of the integrated financial service system through the Internet network 20, and the integrated financial service that can receive integrated financial services on one screen through a program in a client environment. The program is set.

The user terminal 10 is composed of a personal PC or PDA, a mobile phone is inserted into the banking chip (Banking Chip), the integrated financial service program is provided from the server 40 of the integrated financial service system is installed or provided when opening an account It is installed using the CD title.

The integrated financial services program installed in the user terminal 10 includes the current rate of return, purchase cost, and details of the accounts held by the user for each financial company on the basis of the inquiry point for one financial product sold by each financial company. Is provided by analyzing total holdings, deposits, possible withdrawals, pre-tax valuation, and post-tax valuation.

The integrated financial service program installed in the user terminal 10 automatically checks and updates the version at the beginning of the program, so that the latest version of the program is always maintained.

As shown in FIG. 2, the server 30 of the integrated financial service system is configured with an online financial transaction program and an application of each affiliated financial company, and executes an authentication procedure in the process of connecting the corresponding financial company's server 40. An authentication module is included.

The server 30 of the integrated financial service system connects one or more servers 40 of affiliated financial institutions according to the selection of the user terminal 10 to provide a screen of the integrated financial service program provided on the screen of the user terminal 10. Through this, we can compare the profit rate and purchase cost of each financial company for the same financial product.

The server 30 of the integrated financial service system generates an actual financial transaction at the corresponding financial company server through the HTS (Home Trader System) or the Web according to the selection execution of the user terminal 10, and the result of the generated financial transaction. To be recorded in the ledger system provided in the financial institution server.

The execution of the financial transaction using the present invention including the function as described above will be described in more detail.

First, in order to receive an integrated financial service using the user terminal 10, an integrated financial service program provided as a CD title or a download service from the server 30 of the integrated financial service system is installed.

The integrated financial services program is an HTS program operated in a client environment of the user terminal 10, and is directly connected to a plurality of financial company servers 40 through an authentication process through the server 30 of the integrated financial services system. Provides faster screen processing by providing data transmission and reception only.

When a person who wants a financial transaction executes an integrated financial service program installed in the user terminal 10, a login screen as shown in FIG. 5 is provided on the screen of the user terminal 10 (S101). .

Since the login screen is provided with a button for selecting information of a plurality of affiliated financial institutions (securities) and the financial institutions (securities), the input of the mouse pointer or touch panel to the financial company (securities) that you want to log in on the displayed screen Next, the integrated login procedure for simultaneously accessing two or more affiliated financial institution servers is performed (S102).

The integrated login process is performed by a plurality of logins, and the user does not need to log in again to use the financial services of other affiliated financial institutions by simultaneously accessing two or more affiliated financial institution servers. Perform multiple logins using either or more than one method.

First, a plurality of logins are performed by inputting an ID and password of affiliated financial institutions and a public certification number (hereinafter, referred to as "login information") or automatically inputting a method.

The automatic input method is applied only when the user selects the automatic input in advance in the integrated financial service program, and the login information is information set in the process of pre-member registration or opening an account at each financial institution, but is not limited thereto. It can be changed by changing the user's information during the execution of the integrated financial services program.

Secondly, the user encrypts and stores one or more of login information of affiliated financial institutions in the user terminal, inputs only login information that is not stored at the time of re-login, and then performs a plurality of logins.

Third, after the user inputs one or more of the login information and clicks the apply button collectively, the user applies the same to the login information input items of other affiliated financial institutions and performs multiple logins.

Fourth, the user may designate a password representing each of the login information for each affiliated financial institution and store the encrypted password in the user terminal, or specify a password including all the login information of the affiliated financial institutions and encrypt the stored password in the user terminal. If the corresponding password is entered, login information is automatically input and multiple logins are performed.

The integrated financial service program set in the user terminal 10 by the integrated login procedure is connected to the server 30 of the integrated financial system through the Internet network 20 of one or more financial companies (securities) that the user has selected to log in. Only download and install the latest files.

Then, when the user completes the download of the latest files of one or more financial companies (securities) that the user has selected to log in, the server 30 of the integrated financial system connects to one or more financial companies (securities company) server selected by the user terminal 10. (S104).

Subsequently, the server 30 of the integrated banking system of the corresponding financial company (the securities company) through an authentication module corresponding to each financial company (the securities company) that is one or more selected login information provided from the user terminal 10 through the integrated financial service program. The authentication procedure is performed by transmitting to the server 40 (S105).

If the login information is not correct in the authentication process, a message for the message is provided on the screen of the user terminal 10 to notify that normal service cannot be provided.

However, if the login information is correct in the authentication process, the screen of the integrated financial service program is displayed on the monitor of the user terminal 10, thereby allowing the user to select a financial service menu such as trading, transfer, and account information in financial transactions. (S106).

In this case, when a desired transaction menu is selected from the financial service menus provided using the user terminal 10 (S107), the corresponding financial service screen of the selected financial company is displayed (S108).

For example, FIG. 6 is an inquiry screen for buying and ordering financial products sold by A securities company in a financial service menu, and a product name, a manager for a product, a purchase price, a reference price, and a return rate compared to a corresponding financial product. Detailed information of is displayed.

Thereafter, the selection information of the financial transaction selected through the user terminal 10 is transmitted to the server 40 of the corresponding financial institution where the normal authentication procedure is completed through the server 30 of the integrated financial service system, and the corresponding financial transaction is executed. The executed result is recorded in the ledger system of the financial institution server 40 (S109).

Then, by receiving the result of the transaction execution provided from the server 40 of the financial company and displayed on the screen of the user terminal 10, so that the user can check the financial transaction selected by the user (S110). .

FIG. 4 is a step-by-step flowchart of an integrated account service that displays financial assets of users distributed in a plurality of financial companies in a single screen in a method of operating an integrated financial service system using an internet network according to an embodiment of the present invention. .

 When the integrated financial service program installed in the user terminal 10 is executed, a login screen as illustrated in FIG. 5 is provided on the screen of the user terminal 10 (S201).

Therefore, in the displayed screen, select one or more financial institutions (securities) that you want to log in using a mouse pointer or a touch panel input (S202), and enter login IDs, passwords, and authentication numbers for each selected financial institution, or The integrated login procedure for automatic input is performed (S203).

The integrated login procedure is the same as or similar to the above description, and a detailed description thereof will be omitted.

The integrated financial service program set in the user terminal 10 by the integrated login procedure is connected to the server 30 of the integrated financial system through the Internet network 20 of one or more financial companies (securities) that the user has selected to log in. Only download and install the latest files.

Then, when the user completes the download of the latest files of one or more financial companies (securities) that the user has selected to log in, the server 30 of the integrated financial system connects to one or more financial companies (securities company) server selected by the user terminal 10. (S204).

Subsequently, the server 30 of the integrated banking system of the corresponding financial company (the securities company) through an authentication module corresponding to each financial company (the securities company) that is one or more selected login information provided from the user terminal 10 through the integrated financial service program. The authentication procedure for confirming whether or not a legitimate user is transmitted to the server 40 is performed (S205).

If it is not confirmed as a legitimate user in the authentication procedure, a message about it is provided on the screen of the user terminal 10 to notify that a service cannot be provided.

However, if the user is identified as a legitimate user in the authentication process, the screen of the integrated financial service program is displayed on the monitor of the user terminal 10 so that the user can select a financial service menu such as trading, transfer, and account information inquiry in financial transactions. (S206).

At this time, if the desired account inquiry menu is selected from the financial service menu provided by using the user terminal 10 (S207), the server 30 of the integrated financial service system is the ledger of each corresponding financial institution server 40 The system reads the financial asset information of the user and provides it to the user terminal 10.

Therefore, as shown in FIG. 7, information on financial assets distributed among a plurality of financial companies currently owned by the user, account information for each financial company (seller), brand name (fund name), pre-tax evaluation amount, post-tax evaluation amount, The yield, total deposit, total withdrawable amount, etc. are displayed as detailed information (S208).

The embodiments of the present invention described above are not implemented only through the apparatus and the method, but may be implemented through a program for realizing a function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded. Implementation may be easily implemented by those skilled in the art from the description of the above-described embodiments.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

As described above, the present invention is provided with a single screen of a financial service provided by a plurality of financial companies through one program, and thus, it is possible to use a more convenient and rapid integrated financial service.

In addition, the integrated financial program operating in the client environment and the servers of each financial company are directly connected to provide financial services through the actual exchange of data, so that the integrated financial program can receive normal financial services even if the financial company's homepage is modified. have.

Claims (10)

In a financial service system connecting a user terminal and at least one financial company server to the Internet network, And a server of an integrated financial service system connected to the user terminal through an internet network and directly connected to the one or more financial company servers to support integrated financial services. The method of claim 1, The user terminal is an integrated financial service system using an internet network in which an integrated financial service program for providing an integrated financial service through one program is provided. The method of claim 2, The integrated financial services program set in the user terminal displays the current rate of return, purchase cost, and the details of the accounts held by each financial company owned by the user on the basis of the inquiry point for the financial products sold by one or more financial companies. Integrated financial service system using the internet network which analyzes and provides total holdings, deposits, withdrawable amounts, pre-tax valuation, and post-tax valuation. The method of claim 2 Integrated financial services system installed in the user terminal is the version check and update is automatically made at the beginning of the program execution, integrated financial services system using the Internet network is downloaded and installed the latest file information for each financial company. The method of claim 1, The server of the integrated financial service system is integrated financial service system using the Internet network is set up, the financial transaction program and the application of one or more affiliated financial institutions, the authentication module for executing the authentication process of the login user. In the method for providing a financial service to the user terminal using the Internet, Displaying an initial screen as a login screen by executing an integrated financial service program installed in a user terminal; Selecting one or more financial companies on the login screen and executing an integrated login for the selected one or more financial companies; The server of the integrated financial service system according to the integrated login, accessing each selected financial institution server and performing an authentication procedure for confirming whether a legitimate user is present; Displaying a screen of an integrated financial service program on a screen of a user terminal to select a desired financial transaction menu; Switching to a corresponding menu screen according to a selection of a financial transaction menu, and transmitting the selected financial transaction to a server of a corresponding financial institution according to selection and execution of the financial transaction; Receiving the execution result of the financial transaction and the integrated financial service method using the Internet network comprising the step of displaying on the screen of the user terminal. The method of claim 6, Downloading the latest financial transaction information file of the financial company that is connected by the integrated login from the server of the integrated financial service system further comprising the step of installing in the user terminal integrated financial services using the Internet network. The method of claim 6, The execution result of the financial transaction is integrated financial service method using the Internet network recorded in the ledger system of the financial institution server. The method of claim 6, In the Financial Transactions menu, one financial product sold by one or more financial institutions is displayed on the basis of the time of inquiry. An integrated financial service method using the internet network provided by analyzing deposits, possible withdrawals, pre-tax valuation, and post-tax valuation. The method of claim 6, The integrated financial services program installed in the user terminal is directly connected to one or more financial company server that is integrated login, the integrated financial services method using the Internet network to send and receive data of financial transaction information only.

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