KR20140008615A - Method for internet banking assets information and recording medium - Google Patents

Abstract

 The present invention relates to an internet banking asset information providing method and a recording medium, comprising: a financial server for providing financial and asset information to a customer and storing the information; Receiving a comprehensive asset information of the customer when sent to the server, and confirming the validity of the information received through the validation server including the server of the real estate and financial companies, and the process of linking the information of the real estate and financial assets Checking the information on the real estate and financial assets periodically or in real time; and if the information on the real estate and financial assets is confirmed to be changed, calculating information on the real estate and financial asset information, adding and subtracting information on the real estate and financial assets; Calculating the added / decreased status information and storing the information on the storage medium in association with the comprehensive asset information; Upon receiving a request for inquiry of the aggregate asset information from the user network terminal, checking the validity of the aggregate asset information stored in the storage medium through the validation server including the server of the real estate and financial company; Calculating a loanable amount according to the size of the asset excluding an asset whose validity is not included among the real estate and financial assets included in the information; and the comprehensive asset information, the real estate and financial asset depreciation information, and the loanable amount. And transmitting to the user network terminal.

Description

Method for providing Internet banking asset information and recording medium {Method for Internet Banking Assets information and Recording Medium}

  Due to the development of ICT and financial industry, modern society provides financial transaction service in various ways without directly visiting financial institutions such as banks.

 Accordingly, the present invention relates to a method and a recording medium which can provide financial services by managing real estate assets and financial assets of customers using internet banking which is commonly used in modern society. The information will be grasped so that customers can receive customized financial services.

  Internet banking refers to a system in which a customer accesses the Internet through a personal computer and connects to a bank's host computer to receive financial services. The path to receive financial services is known as CD (Cash Dispenser) / In addition to the Automatic Teller Machine (ATM), telephone, and PC (PC) communication, the Internet adds one more type. Here, PC (PC) banking using PC (PC) communication is a customer using an Internet service provider (ISP: Internet Service Provider) (for example, Hitel, Unitel, etc.) or using a dedicated software and modem provided by the bank This system differs from Internet banking in that it connects its own personal computer with a bank host computer and provides financial services.

 The characteristics of internet banking are that financial transactions can be carried out beyond local and time constraints, thereby facilitating the globalization of financial services, diversifying the convenience of customers and the choice of the use path, and reducing fees. , Bank visits and business hours

The reduction in transaction costs can be achieved.

 As described above, since it is not possible to provide a specialized service other than the existing banking using the Internet banking, it is possible to provide customized services for individual customers using customer information, and receive specialized customized financial services.

 As described above, the present invention manages and registers the real estate and financial assets of the customer through the Internet banking service that can be easily used without limitation of time and space, and further manages the assets comprehensively. The amount of loans available according to the real estate and financial asset's depreciation status as well as providing asset information providing method and recording media using internet banking that can identify and provide real-time and real-time information on real estate and financial assets. In addition to calculating and providing the service periodically or in real time, customers can receive specialized customized financial services using an internet banking service that can process loans when a customer requests a loan.

 Internet banking asset information providing method and recording medium according to the present invention for achieving the above object is a financial server for providing information of the financial and assets to the customer and stores the information, the financial server is a customer network terminal When the information of the asset is sent to the financial server through the step of receiving the comprehensive asset information of the customer, and checking the validity of the information received through the validation server including the server of the real estate and financial company, and the real estate and financial Linking the information of the asset, checking the information of the real estate and the financial asset periodically or in real time, and if the information of the real estate and the financial asset is changed, the addition / decrease status of the real estate and the financial asset information Calculating information, and calculating the added / decreased status information, and receiving the information by linking with the comprehensive asset information. Storing in the medium and checking the validity of the comprehensive asset information stored in the storage medium through the validation server including the server of the real estate and financial company when receiving the request for inquiry of the comprehensive asset information from the user network terminal. Calculating a loanable amount according to the size of the asset excluding an asset whose validity is not included among the real estate and financial assets included in the comprehensive asset information; and the comprehensive asset information, the real estate and financial asset deduction status And transmitting the information and the loanable amount to the user network terminal.

 The method may further include receiving loan request information requesting a loan for the loanable amount provided to the user network terminal.

 The method may further include processing and sending a loan to the network terminal user in response to the received loan request information.

 According to the Internet banking asset information providing method and the recording medium according to the present invention, whether the real estate and financial assets registered by the customer, that is, whether the comprehensive asset information changes or not periodically or in real time through the server, the information on the added and subtracted status information of the comprehensive asset information By providing it to the customer through the calculated value, the customer can easily check the value according to the increase or decrease of the customer's assets through the Internet banking service, as well as the amount of loans available according to the size of the customer's real estate and financial assets. When the customer requests the loan and confirms it, the loan can be processed within the limit of the loanable amount according to the change in the real estate and financial assets.

1 is a view illustrating a process of registering asset information in a non-face-to-face manner in an asset information providing system using an internet banking service according to an embodiment of the present invention.
2A and 2B are diagrams illustrating a process of registering asset information in an internet banking asset information providing method and a recording medium registration server according to the present invention.
3 is a diagram illustrating a process of registering asset information in a face-to-face manner in an asset information providing system using an internet banking service according to another method of providing asset information and an internet banking asset according to an embodiment of the present invention.
4 is a diagram illustrating a process of further providing loanable amount information according to another internet banking asset information providing method and a recording medium embodiment of the present invention.
5 is a diagram illustrating a process of processing a loan in the information providing server shown in FIG. 9 of another method of providing internet banking asset information and a recording medium of the present invention.

In accordance with the present invention, the method for providing internet banking asset information according to the present invention comprises the steps of: receiving, by the financial server, the customer's comprehensive asset information when the customer sends the asset information to the financial server through a network terminal; Checking the validity of the information received through a validation server including a real estate and financial company server, linking and processing the information of the real estate and financial assets, and periodically or real time information of the real estate and financial assets; Confirming, and if the information on the real estate and financial asset is changed, calculating the declining status information of the real estate and financial asset information, calculating the declining status information, and then linking with the comprehensive asset information. Receiving and storing in the storage medium; and the comprehensive asset information from the user network terminal. Upon receiving the inquiry request, checking the validity of the comprehensive asset information stored in the storage medium through the validation server including the server of the real estate and financial company, and validity among real estate and financial assets included in the comprehensive asset information. Calculating a loanable amount according to the size of the asset excluding the non-authenticated asset, and transmitting the comprehensive asset information, the real estate and financial asset depreciation status information, and the loanable amount to the user network terminal. It is done by

 The method may further include receiving loan request information requesting a loan for the loanable amount provided to the user network terminal.

 The method may further include processing and sending a loan to the network terminal user in response to the received loan request information.

 Hereinafter, with reference to the accompanying drawings will be described in detail and preferred embodiments.

 1 is a view for explaining a comprehensive asset information providing system using an Internet banking service according to an embodiment of the present invention. More specifically, FIG. 1 is an information registration server for storing comprehensive asset information by receiving comprehensive asset information when a customer inputs comprehensive asset information in a comprehensive asset information providing system using an Internet banking service according to an embodiment of the present invention.

It is a figure for demonstrating 100. FIG.

 In order to efficiently explain the essential technical features of the present invention, the following embodiments will appropriately modify, integrate, or separate terms to be understood by those skilled in the art to which the present invention belongs , And the present invention is by no means thereby limited. That is, each means constituting the present invention is a server (or terminal) provided on the system shown in the following embodiments, or a predetermined functional configuration provided in at least one or more servers (or terminals), or at least It may be an association of at least two or more functional components provided in one or more servers (or terminals). In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

 The customer includes at least one of real estate information, financial asset information, debt information, stock information, fund information to receive the comprehensive asset information using the Internet banking service to the information registration server 100 through a predetermined information registration interface When providing the comprehensive asset information, the information registration server 100, the real estate information, financial asset information, debt information, stock information, fund information contained in the provided comprehensive asset information is processed in association with the predetermined storage medium 140 and stored As a system configuration of the present invention, those skilled in the art to which the present invention pertains can refer to and / or modify FIG. 1 to infer various implementation methods for the configuration of a comprehensive asset information providing system using an Internet banking service. As will be appreciated, the invention includes, but is not limited to, the method of inference.

 1, an information registration terminal 145 (or an information request terminal) including a wired terminal or a wireless terminal of a customer is connected to a communication channel with the information registration server 100 through a predetermined network means.

 The customer may access the information registration server 100 using at least one information registration terminal 145 of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. Accordingly, the information registration server 100

Inputting (or selecting) comprehensive asset information for providing comprehensive asset information using an internet banking service through at least one user interface provided by the user, the information registration server 100 through a predetermined network means in the information registration terminal 145. ) Can be transmitted to the information registration server 100 provided on.

 In this case, the wired / wireless terminal is connected to a customer's PC, that is, a wired terminal connected to a wired communication network, connected to a communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) or User Datagram Protocol / Internet Protocol (UDP / IP). As a generic term for all terminal devices 145, a desktop computer and / or notebook connected to the TCP / IP or UDP / IP based communication network, or a home appliance terminal connected to the TCP / IP or UDP / IP based communication network. Or at least one kiosk connected to a TCP / IP or UDP / IP based communication network, and the portable terminal is a generic term for a device connected to a wireless communication network. All terminal devices 145 connected to a mobile communication network of Code Division Multiple Access (CDMA) based (and / or High-Speed Downlink Packet Access (HSDPA) based), and / or IEEE A generic term for all terminal devices 145 connected to the 802.16x-based mobile Internet and / or all terminal devices 145 connected to the IEEE 802.11x-based wireless LAN, the CDMA based (and / or HSDPA based) mobile communication network. Connected Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or a wireless LAN connected to the IEEE 802.11x based wireless LAN. It is preferable to include at least one or more WLAN terminal.

 In addition, when the information registration terminal 145 is a financial automation device, the financial network that connects the financial automation device and the financial automation device with the information registration server 100 is integrated to provide comprehensive asset information by the customer using the Internet banking service. Performs a function of an information registration interface for registering asset information, and / or the information registration terminal 145 is a call terminal (not shown).

In this case, the wired telephone network and / or the wireless telephone network connecting the information registration server 100 performs a function of an information registration interface for registering the comprehensive asset information for the customer to provide comprehensive asset information using the Internet banking service, and And / or a network in which the information registration terminal 145 connects a terminal provided in an institution affiliated with a financial institution and the information registration server 100 to provide comprehensive asset information for the customer to provide comprehensive asset information using an internet banking service.

Performs the function of an information registration interface for registering a beam.

 The storage medium 140 provided on the system is a predetermined storage medium by linking the real estate information, financial asset information, debt information, stock information, fund information included in the comprehensive asset information provided from the information registration terminal 145 The comprehensive asset information, which may be stored in the storage medium 140 and includes at least one of real estate information, financial asset information, debt information, stock information, and fund information stored in the storage medium 140, provides comprehensive asset information using an internet banking service. To be used. Here, the storage medium 140 may be provided in the DBMS on the financial system provided on the system (or associated with the information registration server 100), wherein the storage medium 140 is provided in the DBMS on the financial system. Ledger D / B and / or any database associated with ledger D / B.

  In addition, when the information registration terminal 145 is a terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 100 is a predetermined wireless banking server provided on the wireless banking system or And / or a program provided in the wireless banking server, and / or a predetermined server (or device) accessible to the foreign system of the financial system through the wireless banking system, a program provided in the server (or device), and And / or a server (or device) provided in the external world on the financial system accessible through the wireless banking server (and / or server (or device)), and / or a program provided in the external world on the financial system.

 In addition, when the information registration terminal 145 is a financial automation device connected to a predetermined financial network, the interface providing unit 110 generates a predetermined user interface that can be provided by a financial transaction related program included in the financial automatic device (or And a user interface generated (or extracted) through the interface unit 105 to the automatic teller machine, and the information registration terminal 145 includes a wireless terminal connected to a predetermined wireless communication network. In this case, the interface providing unit 110 is a predetermined use that can be provided to the browser program and / or communication program provided in the information registration terminal 145

The user interface may be generated (or extracted) and the user interface generated (or extracted) through the interface unit 105 may be provided to the information registration terminal 145.

 The information receiving unit 115 inputs (or selects) comprehensive asset information including at least one of real estate information, financial asset information, debt information, stock information, and fund information through a user interface at the information registration terminal 145. And transmits through the network means, and receives the comprehensive asset information in conjunction with the interface unit 105). In addition, the received comprehensive asset information is provided to the validity confirmation unit 120.

 The validity confirming unit 120 checks whether the comprehensive asset information received from the information registration terminal 145 satisfies the validity for providing comprehensive asset information using the Internet banking service.

 That is, the comprehensive asset information including one or more of real estate information, financial asset information, debt information, stock information, fund information or other information registered by the customer calculates the loanable amount when the customer wishes to obtain a loan service in the future. It can be used as a basic data, and the loan can be processed according to the loan amount calculated accordingly. Therefore, it is necessary to check whether real estate information registered by the customer is real estate or stock in the name of the customer, so that the loan can be processed.

 The validity verification unit 120 through at least one validation server of the registration server 10, real estate information providing server 20, financial server 30, securities company server 40 associated with the information registration server 100 Check the validity. For example, if a customer has registered real estate information that he owns a building of 5 billion won, the registered office server 10 (or the registrar system) associated with the information registration server 100 determines whether the building is in the name of the customer. You can check it. In addition, it is possible to check whether the market value of the building is 1 billion won through the real estate information providing server 20 (or the real estate information providing system) associated with the information registration server 100. The financial comprehensive asset information and debt information registered by the customer can be confirmed through the financial server 30 (or the financial system) associated with the information registration server 100, and the stock information and the fund information are the securities company server 40. (Or the securities firm system). Of course, if the customer has registered expensive art and ceramics as a comprehensive asset information, through the art auction server (not shown) (or art auction system), it can be confirmed whether the name and value of the customer.

 The information storage unit 125 stores and stores the real estate information, financial asset information, debt information, stock information, and fund information included in the comprehensive asset information in the storage medium 140, and the storage medium 140. ) Is provided in the information registration server 100, or on the network associated with the information registration server 100, the information storage unit 125 is the real estate information, financial asset information, Debt information, stock information, fund information may be stored in the storage medium 140 by linking.

The storage medium 140 may associate and store real estate information, financial asset information, debt information, stock information, fund information, and the like included in the comprehensive asset information. Of course, the total asset information other than the above-mentioned comprehensive asset information may be further included and stored (for example, information that may be referred to as comprehensive asset information such as bond information, golf course membership information, and art information).

The information change confirmation unit 130 checks in real time or periodically whether the change of the total asset information stored in the storage medium 140. For example, the price of a building (real estate information) owned by the customer among the total asset information input by the customer was 1 billion won when first registered, but may be 1.1 billion after one year. Therefore, the customer determines in real time or periodically the price of the building (real estate) in connection with the real estate information providing server 20 (or real estate information providing system). In addition, the customer may have already sold the building. Therefore, the information change confirming unit 130 (or the information change checking means) can check whether the building is still in the name of the customer in association with the registration server 10 (or the registry system). In addition, the financial assets registered by the customer may be transferred to another account, the deposit may be made by transferring from another account, the customer may make a deposit / withdrawal, or interest may occur, and the debt information registered by the customer may also be Changes can occur such as adding debt, accruing interest or repayment. Such changes in the financial asset information and debt information can be confirmed through the financial server 30 (or the financial system) associated with the information registration server 100. The stock information registered by the customer may increase or decrease the stock price of the stock owned by the customer, or may buy or sell the stock. In addition, the principal and rate of return of the funds the client subscribes to may also change. Therefore, whether the stock information and the fund information changes can be confirmed through the securities firm server 40 (or securities firm system). The method of confirming whether there is a change in the comprehensive asset information through the information change checking unit 130 (or the information change checking means) may be modified by another person skilled in the art, and the present invention includes all such examples.

 When the information change unit 130 confirms whether the change in the customer's comprehensive asset information is confirmed by the information change confirming unit 130, the information calculating unit 135 calculates the added / decreased status information of the customer's comprehensive asset information.

 When the information change checking unit 130 checks whether the comprehensive asset information is changed, and the information calculating unit 135 calculates the subtraction status information of the comprehensive asset information, the information storage unit 125 confirms the new comprehensive asset information. The information of status

It is stored in the storage medium 140 together with the confirmed date and time (query date and time).

 Here, the information calculating unit 135 may be provided in the information providing server to be described later to calculate the addition or deduction of the comprehensive asset information when providing the comprehensive asset information to the customer.

 In addition, as described above, the information change confirmation unit 130 may check whether there is a change in the comprehensive asset information registered by the customer, but the customer again provides the comprehensive asset information to the information registration server 100 or changes the information. It may be provided to the aggregate asset information, it may be processed to store the variable asset information provided in the storage medium 140.

 In the meantime, the customer may request a loan service using Internet banking in the future. At this time, the comprehensive asset information of the customer registered by the customer is a source for determining the loan limit. That is, the amount of loans available depending on the size of the customer's total asset information.

The process of calculating the loanable amount may be performed when the customer requests a loan service, but when the customer registers the comprehensive asset information, when the comprehensive asset information is stored, or when the comprehensive asset information is received. It may be made at the time of checking and storing the change of the. Therefore, the information registration server 100 according to the present embodiment further includes a loanable amount calculating unit (or loanable amount calculating means), when the comprehensive asset information is registered, when storing the comprehensive asset information, or when the comprehensive asset information. The amount of loanable amount according to the size of the customer's total asset information at the time of storing and checking the change may be calculated, and the amount of loanable amount information may be stored in the storage medium 140. The loanable amount information stored in this way may be provided when the customer checks the comprehensive asset information, and provides the comprehensive asset information and the depreciation status information of the comprehensive asset information in the future.

 2A and 2B are diagrams for explaining a process of registering aggregate asset information in a non-face-to-face manner to provide aggregate asset information using an Internet banking service according to an embodiment of the present invention.

 More specifically, FIGS. 2A and 2B show information in a case where the information registration server on the comprehensive asset information providing system using the Internet banking service shown in FIG. 1 has a web server function to which an information registration terminal can be connected through a network means. After the registration terminal connects to the information registration server and connects a communication channel for registration of comprehensive asset information according to the present invention, the real estate information, financial asset information, debt information, stock information, and fund information are transferred to the information registration server through the communication channel. When the comprehensive asset information is included, the real estate information, financial asset information, debt information, stock information, and fund information included in the comprehensive asset information received from the information registration server are processed and stored in a storage medium. For those of ordinary skill in the art to which the present invention pertains, information and the like may be referred to and / or modified with reference to FIGS. 2A and 2B. It is possible to infer various implementation methods for registering the comprehensive asset information from the lock terminal to the information registration server, but is not limited thereto.

 2A and 2B, when the information registration terminal shown in FIG. 1 is a predetermined network means (eg, when the information registration terminal is a wired terminal, a TCP / IP based wired communication network, and the information registration terminal is a wireless terminal, Comprehensive assets for connecting to a server through a CDMA-based mobile communication network, and / or IEEE 802.16x-based portable Internet, etc., connecting a predetermined communication channel for registering the composite asset information, and providing comprehensive asset information using the Internet banking service Upon requesting information registration (205), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the comprehensive asset information (210), and the web page generated (or extracted) through a communication channel. Transmit and output to the terminal (215).

 The information registration interface may include a user interface for inputting (or selecting) comprehensive asset information including at least one of real estate information, financial asset information, debt information, stock information, and fund information.

 In addition, the web page transmission and / or output process may be performed at least once in accordance with the comprehensive asset information registration procedure, whereby the present invention is not limited.

 Thereafter, the terminal inputs (or selects) comprehensive asset information including at least one or more real estate information, financial asset information, debt information, stock information, and fund information through the information registration interface.

 If the terminal inputs (or selects) comprehensive asset information including real estate information, financial asset information, debt information, stock information, and fund information through the information registration interface (225), the terminal inputs (or selects) through the communication channel. ) Comprehensive asset information including one or more of real estate information, financial asset information, debt information, stock information, fund information to the server

 Transmitting comprehensive asset information, including one or more of real estate information, financial asset information, debt information, stock information, and fund information, which is input (or selected) through a communication channel to the server, is input (or selected) through an information registration interface. The method may further include transmitting the aggregated asset information to the server by digitally signing and / or encrypting the information through the security module provided in the terminal.

 Thereafter, the server receives and reads real estate information, financial asset information, debt information, stock information, and fund information through a communication channel to check the validity of the comprehensive asset information (235).

 Checking the validity of the aggregate asset information further includes decrypting the aggregate asset information and / or decrypting the aggregate asset information when the aggregate asset information is electronically signed and / or encrypted through a security module provided in the terminal. It can be made, including.

 Validation of the comprehensive asset information may be made through a validation server linked to the information registration server. In other words, the customer's real estate information and financial assets through a validation server such as a registry server (or a registry system), a real estate information providing server (or a real estate information providing system), a financial server (or a financial system), a brokerage company server (a securities company system). It can be done by checking the name and value of information, debt information, stock information, fund information, etc.

 If the validity of the comprehensive asset information is not authenticated (240), the server generates a web page including the predetermined information registration error information and transmits it to the terminal (250), and performs an information registration procedure corresponding to the comprehensive asset information. I never do that.

 On the other hand, if the validity of the comprehensive asset information is verified (240), the server performs an information registration procedure corresponding to the comprehensive asset information, thereby including one or more of real estate information, financial asset information, debt information, stock information, fund information Comprehensive asset information is stored in storage media.

 The storage medium may be provided in a DBMS on a financial system provided on (or associated with) an information registration server, wherein the storage medium is a ledger D / B provided in a DBMS on the financial system, and / or It may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

 The storage medium may also be connected to a DBMS on at least one banking system of (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. It is possible to be provided, by which the present invention is not limited.

 Thereafter, the server generates a web page including the predetermined information registration history information and transmits it to the terminal (255). Then, the server checks in real time (or periodically) whether the comprehensive asset information stored in the storage medium is changed (260). ).

 That is, when a customer registers comprehensive asset information, for example, he registered 500 million won of real estate, 100 million won of financial assets, 200 million won of debt, 80 million won of stock, and 30 million won of fund. Transfers / deposits / withdrawals / interests on bank accounts, additional accruals or interest on debts, repurchases and repurchases, additional purchases or fluctuations in stocks and stocks, additional accumulation of funds or repurchases and changes in returns. The change of the comprehensive asset information can be confirmed through a real estate information providing server (or a real estate information providing system), a registry server (or a registry office system), a financial server (or a financial system), a securities company server (or a securities company system).

 When the server determines whether the comprehensive asset information stored in the storage medium is changed in real time (or periodically), if the comprehensive asset information is confirmed (265), the addition / decrease status information of the comprehensive asset information is calculated (270). That is, the depreciation status information of each item of the comprehensive asset information or the deduction status information of all the comprehensive asset information is calculated, and it is stored in the storage medium in connection with the comprehensive asset information. Such addition / decrease status information may be provided later when a customer requests inquiry of comprehensive asset information.

 Another exemplary embodiment will be described with reference to the accompanying FIG. 5, a method of registering comprehensive asset information in a method of providing an internet banking asset information and a recording medium in a face-to-face manner in an asset information system.

 More specifically, FIG. 3 is an Internet banking service according to another embodiment of the present invention, in which a customer provides comprehensive asset information to a window of a financial institution, receives the comprehensive asset information through a window terminal, and stores the received comprehensive asset information. A diagram for describing an information registration server 300 on a comprehensive asset information providing system using a service.

 The comprehensive asset information providing system using the internet banking service for providing comprehensive asset information using an internet banking service may include an information registration terminal 345 including a window terminal provided at at least one financial institution branch. The information registration terminal 345 is connected to the communication channel and the information registration server 300 provided on the comprehensive asset information providing system using the Internet banking service through a predetermined financial network.

 According to the present embodiment, a customer visits a financial institution branch to receive comprehensive asset information using an internet banking service, and uses a comprehensive asset using an internet banking service through a window (or a cashier) provided at the financial institution branch. Fill out a prescribed application form for providing information (e.g., a document with a form for filling in at least one information item for providing comprehensive asset information using an Internet banking service), and submit the completed application form to the counter staff. The employee inputs (or selects) the information entered in the application through a predetermined counter terminal, and the counter terminal inputs (or selects) the information registered on the information registration server 300 through the financial network. 300).

 Here, the teller terminal preferably comprises an administrator terminal used by a teller employee provided at a financial institution branch, and the information registration server 300 connected to the teller terminal includes a ledger server provided on a predetermined financial system. Preferably, the financial network that connects the teller terminal and the information registration server 300 comprises a branch network connecting the communication channel between the teller terminal and the information registration server 300.

The financial network connecting the application form prepared by the customer and the teller terminal and the teller terminal used by the teller and the information registration server 300 is for the customer to register the comprehensive asset information in order to receive the comprehensive asset information using the Internet banking service. Performs the function of the information registration interface.

 The storage medium 340 provided on the system is a predetermined storage medium by linking the real estate information, financial asset information, debt information, stock information, fund information included in the comprehensive asset information provided from the information registration terminal 345 The comprehensive asset information stored in the storage medium 340 and including at least one of real estate information, financial asset information, debt information, stock information, and fund information stored in the storage medium 340 may provide comprehensive asset information using an internet banking service. To be used.

 Here, the storage medium 340 may be provided in the DBMS on the financial system provided on the system (or associated with the information registration server 300), and the storage medium 340 is provided in the DBMS on the financial system. Ledger D / B, and / or any database associated with ledger D / B, whereby the invention is not limited.

 In addition, the storage medium 340 may be housed in a DBMS on at least one banking system, such as an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the system. The present invention is not limited thereby.

 The information registration server 300 may be implemented by including at least one server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium included in a predetermined server (or device). The present invention is not limited by this.

 When the information registration terminal 345 is a teller terminal connected to a predetermined financial network, the information registration server 300 is a ledger server provided on a financial system connected to the teller terminal via a predetermined financial network, and / or finance It may be a server (or device) provided in the external system on the system, and / or a program provided in the external system on the financial system, and the present invention is not limited thereto.

 The information registration server 300 is characterized by comprising an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal 345 through a financial network.

 When the information registration terminal 345 is a teller terminal connected to a predetermined financial network, the interface unit 305 connects the teller terminal with a predetermined communication channel based on a protocol stack defined in the financial network, and is provided at the teller terminal. It is possible to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the financial transaction related program.

 The information registration server 300 is a predetermined information registration terminal 345 connects the communication channel with the information registration server 300 through the interface unit 305, and then in conjunction with the interface unit 305 information registration terminal 345 Interface providing unit 310 and interface unit 305 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined comprehensive asset information to the information registration terminal 345. An information receiving unit 315 for receiving predetermined aggregate asset information input and transmitted from the information registration terminal 345 through a user interface, and a validity confirming unit 320 for checking whether the received comprehensive asset information is valid; In addition, the information storage unit 325 for processing the real estate information, financial asset information, debt information, stock information, fund information included in the received comprehensive asset information in a predetermined storage medium 340, and in real time or periodically The information change checking unit 330 confirms whether or not the comprehensive asset information stored in the storage medium 340 changes, and the addition / decrease information of the comprehensive asset information according to whether the comprehensive asset information stored in the storage medium 340 changes. An information calculating unit 335 is included.

 The interface providing unit 310 corresponds to a functional configuration provided in the information registration terminal 345 after the predetermined information registration terminal 445 connects the communication channel with the information registration server 300 through the interface unit 305. Generate (or select) comprehensive asset information to generate a predetermined user interface that can be transmitted to the information registration server 300 through a financial network, and / or extract it from a predetermined database (not shown), 305 is provided to the information registration terminal 345 through the user interface financial network generated (or extracted) in conjunction with.

 When a predetermined information registration program having at least one user interface for inputting (or selecting) comprehensive asset information to the information registration terminal 345 and transmitting the information to the information registration server 300 through a financial network is provided, information registration is performed. The interface providing unit 310 for providing a user interface to the terminal 345 may be omitted, and the present invention is not limited thereto.

 Thereafter, the information registration terminal 345 inputs (or selects) and inputs (or selects) comprehensive asset information including at least one of real estate information, financial asset information, debt information, stock information, and fund information based on a user interface. The comprehensive asset information is transmitted to the information registration server 300 through the financial network.

 When the information registration terminal 345 is a teller terminal connected to a predetermined financial network, the interface provider 310 generates (or extracts) a predetermined user interface that can be provided by a financial transaction related program included in the teller terminal, It is preferable to provide a user interface generated (or extracted) through the interface unit 305 to the window terminal.

 The information receiving unit 315 inputs (or selects) the comprehensive asset information including at least one of real estate information, financial asset information, debt information, stock information, and fund information through a user interface at the information registration terminal 345. When transmitting through, it is characterized in that for receiving the comprehensive asset information in conjunction with the interface unit 305, and provides the received comprehensive asset information to the validity verification unit 320.

 The validity confirming unit 320 confirms whether the comprehensive asset information received from the information registration terminal 345 satisfies the validity for providing the comprehensive asset information using the Internet banking service.

 That is, the comprehensive asset information including one or more of real estate information, financial asset information, debt information, stock information, fund information or other information registered by the customer calculates the loanable amount when the customer wishes to obtain a loan service in the future. It can be used as a basic data, and the loan can be processed according to the loan amount calculated accordingly. Therefore, it is necessary to check whether the comprehensive asset information registered by the customer is real estate or stock in the name of the customer, so that the loan can be processed properly.

 The validity verification unit 320 is provided through at least one validation server of the registry server 10, real estate information providing server 20, financial server 30, securities company server 40 associated with the information registration server 300 Check the validity. For example, if a customer has registered real estate information that he owns a building of 5 billion won, the registration server 10 (or the registrar system) connected with the information registration server 300 to determine whether the building is in the name of the customer. You can check it. In addition, it is possible to check whether the market value of the building is 5 billion won through the real estate information providing server 20 (or the real estate information providing system) associated with the information registration server 300. The financial comprehensive asset information and debt information registered by the customer can be confirmed through the financial server 30 (or the financial system) associated with the information registration server 300, and the stock information and the fund information are the securities company server 40. (Or the securities firm system). Of course, if a customer has registered expensive art or ceramics as a comprehensive asset information, it is possible to check whether the name and value of the customer fit through the art auction server (not shown) (or art auction system). The method of verifying the validity of the validation unit 320 in conjunction with the validation server will be inferred by those skilled in the art in various ways, and the present invention includes all the cases.

 Of course, checking whether the customer's comprehensive asset information is valid may not be necessary in the process of registering this information because it may be performed when the customer applies for a loan service in the future.

In addition, the customer may simply use the service to check the size and change of the customer's own asset information. Therefore, in this case, the process of checking the validity by the validity confirming unit 320 may be omitted.

 The information storage unit 325 stores and stores the real estate information, financial asset information, debt information, stock information, and fund information in the storage medium 340 in connection with the comprehensive asset information, and the storage medium 340. Is provided in the information registration server 300 or on the network associated with the information registration server 300, the information storage unit 325 is the real estate information, financial asset information, debt included in the received comprehensive asset information The information, stock information, and fund information may be cooperatively processed and stored in the storage medium 340.

 The storage medium 340 may link and store real estate information, financial asset information, debt information, stock information, and fund information included in the comprehensive asset information. Of course, in addition to the comprehensive asset information listed above, the total asset information may be further included and stored.

 The information change checking unit 330 checks whether the comprehensive asset information stored in the storage medium 340 changes in real time or periodically. For example, the market price of a building (real estate information) owned by the customer among the total asset information entered by the customer was 5 billion won at the first registration, but may be 5 billion won after one year. Therefore, the customer determines in real time or periodically the price of the building (real estate) in connection with the real estate information providing server 20 (or real estate information providing system). In addition, the customer may have already sold the building. Therefore, the information change confirming unit 330 can confirm whether the building is still in the name of the customer in association with the registry server 10 (or the registry system). In addition, the financial assets registered by the customer may be transferred to another account, the deposit may be made by transferring from another account, the customer may make a deposit or withdrawal, or the interest may occur, and the debt information registered by the customer may also be Changes can occur such as adding debt, accruing interest or repayment. Whether the financial comprehensive asset information and the debt information changes can be confirmed through the financial server 30 (or the financial system) associated with the information registration server 300. The stock information registered by the customer may increase or decrease the stock price of the stock owned by the customer, or may buy or sell the stock. In addition, the principal and rate of return of the funds the client subscribes to may also change.

 Therefore, whether the stock information and the fund information changes can be confirmed through the securities firm server 40 (or securities firm system). The method of confirming whether there is a change in the comprehensive asset information through the information change checking unit 330 (or information change checking means) may be modified by another person skilled in the art, and the present invention includes all such examples.

 The information calculating unit 335 calculates the added / decreased status information of the customer's comprehensive asset information when it is confirmed by the information change confirming unit 330 whether or not the customer's comprehensive asset information changes.

 When the information change checking unit 330 confirms whether the comprehensive asset information is changed, and the information calculating unit 335 calculates the subtraction status information of the comprehensive asset information, the information storage unit 325 confirms the new comprehensive asset information. It stores in the storage medium 340 with the date and time (query date and time) confirmed by connecting the addition and subtraction status information.

 Here, the information calculating unit 335 may be provided in the information providing server to be described later to calculate the addition or deduction of the comprehensive asset information when providing the comprehensive asset information to the customer.

 As described above, the information change checking unit 330 (or the information change checking means) may confirm whether or not the comprehensive asset information registered by the customer changes, but the customer returns the comprehensive asset information to the information registration server 300. In addition, it may be provided, or the changed comprehensive asset information may be provided, or the changed comprehensive asset information may be processed to be stored in the storage medium 340.

In the meantime, the customer may request a loan service using Internet banking in the future. At this time, the comprehensive asset information of the customer registered by the customer is a source for determining the loan limit. That is, the loanable amount should be calculated according to the size of the customer's comprehensive asset information. The process of calculating the loanable amount may be performed when the customer requests a loan service, but the comprehensive asset information is registered from the customer. When receiving, it may be made when storing the aggregate asset information, or when confirming and storing the change of the aggregate asset information. Therefore, the information registration server 300 according to the present embodiment further includes a loanable amount calculation unit, when the comprehensive asset information is registered, when storing the comprehensive asset information, or when checking and storing whether the comprehensive asset information changes or not. The loanable amount information may be calculated according to the size of the customer composite asset information, and the loanable amount information may be stored in the storage medium 340. The loanable amount information stored in this way may be provided in the future when the customer checks the comprehensive asset information, and provides the comprehensive asset information and the depreciation status information of the comprehensive asset information.

 4 and 5 is a method for providing a comprehensive asset information using the Internet banking service according to an embodiment of the present invention, the process for providing to the customer, including the total asset information, deduction status information and the amount of loan available It is a figure for demonstrating.

 Referring to FIG. 4, after confirming the customer's comprehensive asset information and the subtraction status information, the validity of the customer's comprehensive asset information stored in the storage medium is checked (405).

 Validation of the comprehensive asset information may be made through a validation server associated with the information providing server. In other words, the customer's real estate information and financial assets through a validation server such as a registry server (or a registry system), a real estate information providing server (or a real estate information providing system), a financial server (or a financial system), a brokerage company server (a securities company system). It can be done by checking the name and value of information, debt information, stock information, fund information, etc. If the validity of the comprehensive asset information is not authenticated (410), the server calculates a loanable amount according to the size of the comprehensive asset information excluding the asset that is not validated (420). On the other hand, if the validity of the comprehensive asset information is authenticated (410), the server calculates the loanable amount according to the size of the customer's comprehensive asset information (415).

 After that, referring to FIG. 5, when a customer requests a loan by inputting (selecting) a loan amount from the terminal (505), the server receives the loan and checks whether the loan amount requested by the customer is less than the loanable amount. (510).

 If the loan request amount input (selected) by the customer exceeds the loanable amount calculated according to the size of the customer's comprehensive asset information (515), the terminal generates a web page including the loan amount error information (extracts). 525. If the loan request amount input (selected) by the customer is less than the loanable amount calculated according to the size of the customer's comprehensive asset information (515), the loan is processed according to the customer's loan request (520).

 Here, when the loan is processed, the customer's comprehensive asset information changes. In other words, if the loan was processed to deposit the amount of the loan requested by the customer's bank account according to the loan request of the customer, the customer's financial assets would have increased by the loan amount, and the customer's debt would have increased by the loan amount. Accordingly, the server calculates the change and the addition / decrease status information and stores it in the storage medium (530).

 When the loan is completed, the server generates a web page including the loan processing completion information, the changed comprehensive asset information, and the deduction / decrease status information and transmits the web page to the terminal (535), thereby terminating the service provision.

300: information registration server 305: interface unit
310: interface providing unit 315: information receiving unit
320: validation unit 325: information storage unit
330: information variation check unit 335: information calculation unit

Claims (3)

A financial server that provides financial and asset information to customers and stores the information;
Receiving, by the financial server, the customer's comprehensive asset information when the customer sends information of the asset to the financial server through the network terminal;
Verifying validity of the information received through a validation server including a real estate and financial company's server;
Linking and processing information about the real estate and financial assets;
Checking information on the real estate and financial assets periodically or in real time;
If the information on the real estate and the financial asset is confirmed to be changed, calculating step-down / decrease information of the real estate and financial asset information;
Calculating the added / decreased status information and storing the information on the storage medium in association with the comprehensive asset information;
Checking the validity of the comprehensive asset information stored in the storage medium through the validation server including the server of the real estate and financial company when receiving the request for inquiry of the comprehensive asset information from the user network terminal;
Calculating a loanable amount according to the size of the asset excluding an asset whose validity is not verified among real estate and financial assets included in the comprehensive asset information; And
And transmitting the comprehensive asset information, the real estate and financial asset addition / decreasing status information, and the loanable amount to the user's network terminal. The method of claim 1,
Internet banking asset information providing method and recording medium further comprising the step of receiving loan request information requesting a loan for the loanable amount provided to the user network terminal. 3. The method of claim 2,
And processing the loan to the network terminal user in response to the received loan request information, and transmitting the loan to the network terminal user.

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