TWI639098B - System and method for personal finance information integration - Google Patents

Abstract

The personal financial information integration method and system of the present invention provides a user interface to a user communication device, comprising: a selection bank module, providing a bank list including a plurality of bank online banking websites, and selecting according to the user interface The bank online banking website provides an input field, and a field data for storing the input field, and generates a bank pattern of one of the bank online banking websites associated with the selection; and a new function module provides association a function list of a bank online banking website, in the user interface, providing necessary input fields according to the selected function, and field data storing the necessary input fields, and generating a function pattern associated with the selection function for use Interface.

Description

Personal financial information integration system and method

The present invention relates to a system and method for information integration, and more particularly to a system and method for personal financial information integration.

With the development of the Internet, bank financial operators have provided online banking services, so that financial transactions, inquiries and other services are not restricted by location to facilitate rapid use by users. However, for the individual user, it is quite troublesome to manage the online banking provided by many bank financial institutions at the same time.

Please refer to the first figure, which illustrates that the traditional user communication device 10 repeatedly logs in between different online banking websites 30 and 30a to grasp personal financial information. After the user communication device 10 enters the A bank online banking website 30 and performs the login 101, the user communication device 10 receives the return login information 102 and displays the login screen of the A bank online banking website 30. However, when the user communication device 10 wants to operate the B-bank online banking website, and must enter the B-bank online banking website 30a and perform the login 103, the user communication device 10 receives the B-bank online banking website 30a and returns the login information 104 and displays it. Since the user interface of the A bank online banking website 30 and the B bank online banking website 30a is different, it can be understood from the above operation process that the user has to enter different bank online banking websites to adapt to different user interfaces to log in or execute other financial services, and the process is repeated. And time consuming.

In addition, most users perform similar financial services in different online banks. However, it is limited by the user interface, and must be repeatedly logged in, verified, clicked and other operational steps, especially in the current mobile network usage habits, install and operate different online banking on the mobile communication device. Mobile application software makes implementing financial services more slow and complex.

In view of this, if a system or method capable of integrating personal financial information is more important, the present invention provides an industry with the ability to simultaneously manage and quickly operate multiple online banks under the same system or the same user interface. Utilization.

The object of the present invention is to provide a personal financial information integration method and system, which enable a user communication device to achieve financial information of an individual who manages a plurality of online banking at the same time through the agent server through the agent server. The agent server agent user quickly performs the steps of login, verification, and selection of multiple online banking for the same financial service, and provides users with new function modules for users to select for multiple online banks. Establish the required financial services functions.

The present invention provides a personal financial information integration system for achieving the above-mentioned purposes. The user communication device is implemented in a user communication device having a display. The user communication device includes an interface module, a selection bank module, and a new function module. The interface module provides a user interface to the display and receives input data from the user interface. The selection bank module uses the interface module to provide a bank list including a plurality of bank online banking websites on the user interface, and receives the selected bank online banking website; and selects the bank module according to the selected banking online banking website login condition. The interface module is provided by the interface module to be located in the user interface; the bank module is selected to store the field data of the input field, and one of the bank online banking websites of the selected selection is generated in the user interface. In addition, the new function module provides an association with a bank online banking website through an interface module. Can be listed in the user interface and receive a selection function; the new function module is based on the selection function of the bank online banking website, and the necessary input field is provided in the user interface through the interface module; the new function module The necessary input field of the input field is stored, and the field information is a necessary condition for the bank online banking website to provide personal financial information, and a function pattern of the related selection function is generated in the user interface.

The present invention provides a method for integrating personal financial information, which comprises: accepting at least one user communication device connection login; downloading a login screen from a bank online banking website in response to a bank login request sent by the user communication device And obtaining a verification code image from the login screen; providing a verification code image to the user communication device display; receiving a login request information and an input verification code from the user communication device, and providing the bank online banking website to request login; The bank online banking website receives a login result. If the login result allows access to the bank online banking website, the user communication device is allowed to request a banking function, and in response to the banking function request, the personal financial information is received from the bank online banking website, and personal financial information is provided to A user interface is preset by the user communication device; and if the login result is not allowed to log into the bank online banking website, the login result is provided to the user communication device display.

The present invention provides a method for integrating personal financial information, which is implemented in a user communication device having a display, the method comprising: connecting to an agent server, and displaying the preset by the user communication device A user interface performs the following steps, the step includes: issuing a bank login request associated with a bank online banking website to the agent server, and receiving a verification code image from the agent server, and displaying the verification code image in the user interface Providing a login request information and an input verification code to the agent server, requesting login by the agent server item bank online banking website; and issuing a banking function associated with the bank online banking website Can request to the agent server, and receive personal financial information from the affiliate bank's online banking website from the agent server, and display personal financial information on the user interface.

The invention may be understood by those skilled in the art without departing from the scope of the invention.

1‧‧‧Agent Server

2‧‧‧ Included storage unit

10, 10a, 10b‧‧‧ user communication device

30, 30a, 30b‧‧‧ Bank online banking website

101~104, 901~908‧‧‧Information

701~703, 1201~1203, 1301~1304, 1501~1506, 1701~1704, 1901~1906‧‧

The first figure illustrates the traditional user communication device repeatedly logging in to different online banking websites.

The second figure is an architectural diagram of the integrated personal financial information system of the present invention.

The third figure is a webpage architecture diagram of the online banking website of the A bank.

The fourth figure is a block diagram of a system function module implemented by the integrated personal financial information system implemented in a user communication device.

The fifth figure is an illustration of a user interface for selecting a bank in the integrated personal financial information system of the present invention.

The sixth figure is an illustration of the user interface of the integrated personal financial information system of the present invention to provide a new K bank.

The seventh figure is a flow chart of adding a bank pattern by integrating the personal financial information method of the present invention.

The eighth figure is an illustration of the user interface of the integrated personal financial information system bank of the present invention providing a login to the bank A.

The ninth figure is a message flow chart of the method for integrating personal financial information according to the present invention.

The tenth figure is provided by the user interface of the integrated personal financial information system of the present invention. An illustration of the Bank's financial services function.

The eleventh figure is a flow chart of the bank login and execution of the financial service by the method for integrating the personal financial information of the present invention.

The twelfth figure is a flow chart of a new functional pattern of the method for integrating personal financial information of the present invention.

The thirteenth figure is a flow chart of another new functional pattern of the method for integrating personal financial information of the present invention.

The fourteenth figure is an illustration of the user interface display balance inquiry of the integrated personal financial information system of the present invention.

The fifteenth figure is a message flow chart of the invention for providing a balance inquiry service by integrating the personal financial information method.

The sixteenth figure is an illustration of the user interface of the integrated personal financial information system of the present invention for displaying labor insurance data inquiries.

The seventeenth figure is a message flow chart of the invention for integrating the personal financial information method to provide the labor insurance data inquiry service.

The eighteenth figure is an illustration of the user interface of the integrated personal financial information system of the present invention showing the interest rate inquiry of each bank.

The nineteenth figure is a flow chart of the present invention for integrating the personal financial information method to provide the interest rate inquiry service of each bank.

The personal financial information integration provided by the present invention can be implemented by means of systems, methods, and the like. Therefore, the general knowledge in this field can understand that the connection monitoring mechanism can be implemented and combined in software. Software and hardware are implemented, or are implemented entirely in hardware.

In addition, those of ordinary skill in the art should understand that the same module/function often has different calling styles, such as "click script" or "automatic script", so it is similar to the same field mentioned in the description. Groups/functions are of course included within the scope of this description.

Please refer to the second figure, which shows an architectural diagram of the integrated personal financial information system of the present invention. In a preferred embodiment of the present invention, the agent server 1 can connect to the bank's online banking websites 30, 30a, 30b, and includes a data storage unit 2 for storing users at banks A, B, and C. Personal financial information of the online banking website, such as login information, system settings, and various bank online banking websites, to correspond to the connection information and system function modules, wherein an integrated personal financial information system of the present invention may include different user communication devices, such as A smart phone, a personal computer, a laptop, etc., for the user to establish a connection with the agent server 1 through different user communication devices 10a, 10b, and through the agent server 1 and then with A, B, C, etc. The bank online banking website establishes a connection.

Therefore, in the preferred embodiment of the present invention, the user communication devices 10a, 10b establish a connection with the agent server 1 and obtain a bank interface from the single user interface provided by the agent server 1. Personal financial information provided by the online banking website. Therefore, under the system architecture, most of the displayed and processed data content is processed by the agent server 1, and the user communication device 10, 10a only needs to process the collated data sent by the agent server 1, this field Generally, the knowledger can understand that under the system architecture, the data processing burden of the user communication device 10, 10a can be greatly reduced.

In addition, the agent server 1 of the present invention integrated with the personal financial information system may also include a dedicated line connection with each bank, and the dedicated line connection will be directly provided by the agent server 1 and each bank of silver. The online system of the line establishes a connection, and the connection mode can be applied to the current network connection mode, and the connection of the dedicated line further improves the security of the network connection.

Please refer to the third figure, which shows a webpage architecture diagram of the A-bank online banking website of the present invention. In order to further reduce the data processing burden of the user communication device 10, 10a, the integrated personal financial information system proposed by the present invention will be processed by the proxy server 1, so that the user interface retains only part of the necessary information and can complete the online banking. The function and execution process.

The data storage unit 2 of the system of the present invention stores the web page structure of the online bank in advance to establish the necessary input fields required by the online bank when logging in and obtaining various financial information services. For example, when the user enters the online banking of the bank A, the home page of the bank A requires the input field of the account number, password and verification code. Some online banks further require the input field of the identity card number. . Once the login is successful, the user can click on multiple function option services, such as balance inquiry, interest rate inquiry, password change, transfer and other functions. For example, when the user clicks the balance inquiry service in the user interface of Bank A, before the query result is obtained, the input field of "Account Selection" must be entered, and then the user obtains the financial information of the deposit balance; After the user clicks the transfer service, some input fields of "Transfer Settings" must be entered before the transfer is performed, and then the user can perform the transfer. As described above, the user can switch the financial services of different online banks under the single user interface through the integrated personal financial information system of the present invention. The necessary execution process for obtaining the financial information by each online banking website has been previously stored in the data storage unit 2. Therefore, the system and method of the present invention can integrate the various online banking websites to obtain the necessary execution flow of personal financial information through a single user interface, and is convenient for the user to operate.

Please refer to the fourth figure, which is a block diagram showing the system function module of the integrated personal financial information system implemented in a user communication device of the present invention. Integrated personal finance financing proposed by the present invention The system function module implemented in a user communication device includes at least an interface module, a selection bank module, a new function module, a login module and a logout module to execute the financial of the online banking websites of various banks. Service or new financial services features. The function modules including but not limited to transfer, payment, payment of loans, balance inquiry, labor insurance data inquiry, interest rate inquiry, password change, etc. are generated by the user performing a new function module.

In addition, the interface module provides a display, including but not limited to the fifth, sixth, eighth, tenth, fourteenth, sixteenth, and eighteenth views, displayed on the display of the user communication device 10, and is available from the user. The input field displayed by the interface receives the input field data. Selecting the bank module to execute the process of adding a bank pattern as shown in Figure 7, where the new bank pattern will include login information for logging into a designated online banking website. The new function module performs the process of adding a new function pattern as shown in the twelfth or thirteenth figure, wherein the newly added function pattern will include an input field data or a click script associated with a designated online banking to obtain personal financial information.

In the user interface provided by the present invention, when the user clicks on a bank pattern, the login module performs: issuing a bank login request to the agent server 1 and receiving a verification code image from the agent server 1; The interface module provides the verification code image displayed on the user interface, as shown in FIG. 8; and provides a login requirement information of the designated online banking website and the input verification code to the agent server 1. In the user interface of the bank A provided by the present invention, in the tenth figure, when the user clicks to log out, the logout module will issue a bank logout request to the agent server 1, so that the agent server 1 Log out of Bank A's online banking website.

Please refer to the fifth figure, which is an illustration of a user interface selection bank of the integrated personal financial information system of the present invention, and a sixth diagram showing an example of the user interface of the integrated personal financial information system of the present invention providing a new K bank. . When the user communication device displays as shown in the fifth figure In the user interface shown, the user clicks on the "add" icon to execute the bank selection module, and the bank module selects the bank module to provide a bank list containing a plurality of bank online banking websites to the user interface and receives the use. The selected bank online banking website, in which the bank module is selected according to the selected banking online banking website, the bank banking website of K Bank is taken as an example, and the input panel shown in the sixth figure is provided by the interface module. The interface, and the selection of the bank module to store the field information of the input field, and generate one of the selected bank banking websites, the K Bank pattern is shown in the user interface shown in the fifth figure.

For the steps of the new bank in the above fifth and sixth figures, please refer to the seventh figure, which shows a flow chart of adding a bank pattern to the method for integrating personal financial information according to the present invention. When the user communication device displays the user interface as shown in FIG. 5, the user clicks the "add" graphic to execute the bank selection module. First, in step 701, the bank module is selected by the interface module to provide a bank list. The user interface. After the user selects K Bank, the interface module receives the selected K Bank and then notifies the selected bank module. In step 702, the bank module is selected according to the login condition of the selected K Bank online banking website, and the input field for providing login through the interface module is located in the user interface, as shown in the sixth figure. The interface module receives the field data provided by the user and transmits the data to the selected bank module, and the field information is the login information of the user logging in to the bank. Step 703: The bank module is selected to store the user-provided field data in the user communication device or the data storage device unit 2 uploaded to the agent server 1, and generate a K-bank pattern on the user interface.

When the user selects the bank pattern generated by the process of the seventh figure in the user interface shown in FIG. 5, the user enters the user interface of the login bank A. Please refer to the eighth figure, which shows an example of the user interface of the integrated personal financial information system bank of the present invention providing a login to the bank A. After the user interface of the present invention displays the input field of the login bank A, the login module will be in the input field. The stored login information is automatically typed in the location, and the login information is the field information entered in step 702. The user interface of the login A bank includes a verification code field and a verification code graphic, wherein the verification code graphic is provided by the agent server 1 downloading a login screen from the A bank online banking website. The user interface enters the verification code in the verification code field and clicks the "login" pattern. The login information and the input verification code are provided through the proxy server 1 to request login from the Bank A website.

Please refer to the ninth figure for showing a message flow chart of the method for integrating personal financial information according to the present invention. After the user selects the bank pattern in the user interface, the user communication device 10 sends a message 901 of the bank login request to the bank A to the agent server 1, and the agent server 1 receives the message 901 and then transfers to the bank A. The online banking website 30 sends a message 902 requesting to log in to the A bank. When the agent server 1 downloads the login screen 903, it scans, and then retrieves a verification code graphic from the login screen and transmits it to the user communication device 10 display 904, and then the interface module is assembled into the A bank online banking website. The screen, as shown in the eighth figure, is displayed on the user communication device 10.

Therefore, the user communication device 10 will automatically input the login input field such as an account number, a password, etc. through the stored login information of the interface module, and wait for the user to input the verification code information. The interface module receives the verification code information from the verification code field. After the "login" pattern is clicked, the user communication device 10 provides the login information and the verification code and the like 905 to the agent server 1, and the agent server 1 is logged in. The information and verification code message 906 requests registration from the A bank online banking website 30 and receives the download login result information 907. The proxy server 1 intercepts a part of the screen by the interface module and creates a login screen of the user communication device 10, and then returns the login screen 908 to the user communication device 10.

The login screen includes at least the login result. If the login result allows login to the A bank online banking website, the user communication device is allowed to further issue a banking financial service. Can request and receive personal financial information from Bank A's online banking website in response to A bank function request, and provide personal financial information to the user interface preset by user communication device 10; conversely, if the login result does not allow login to Bank A The online banking website provides the login result to the user communication device 10 for display. Therefore, the user communication device 10 can perform the login operation on the online banking website of Bank A or other bank through the agent server 1.

In particular, the screen of the user communication device 10 established by the agent server 1 according to the information downloaded by the bank's online banking website 30 is configured at least in relation to the display of the user communication device, such as screen size and resolution. Wait.

After the integrated personal financial information system provided by the present invention is logged into the Bank A, please refer to the tenth figure to show an example of the user interface of the integrated personal financial information system of the present invention for providing the Bank A financial service function. The user interface will display the function request of the established financial service, including but not limited to the financial service functions such as balance inquiry, transfer, interest rate inquiry, password change, labor insurance data inquiry and function addition. Preferably, after the login to the bank A, the system can perform the data synchronization update. Therefore, if the system function module performs the update, and the update may cause the user to re-update the input data corresponding to the corresponding financial service function or click the script, etc. Mark the function pattern to prompt the user to update the input data or click on the script.

For the login and execution of financial services at Bank A, please refer to Figure 11 for a flow chart of bank login and financial services for integrating the personal financial information method of the present invention. After the user communication device 10 selects the bank in the user interface as shown in FIG. 8 and enters the verification code through the process of FIG. 9, the login pattern is selected, and the user communication device 10 issues a bank login request to the agent servo. Device 1. The agent server 1 performs login to the bank online banking website 30, and transmits the received login result to the user communication device 10 for display, and the user communication device 10 performs the determination. If If the login fails, the user can select the bank and log in again through the user interface on the user's communication device. If the login is successful, the user can select the function pattern of the financial service function through the user interface as shown in FIG. The functional pattern of the financial service function provides personal financial information to a user interface display preset by the user communication device, and the user device provides the necessary information to the agent server 1 and is sent by the agent server 1 to the A. The bank online banking website performs the information exchange and retrieves the exchange result, and returns it to the user communication device to judge the success and the law or continue to select other financial service functions, or select the execution logout on the user interface of the service function.

The aforementioned financial service function can also be added by the user. The integrated personal financial information system of the present invention includes two new functions. Please refer to the twelfth figure to show a new method for integrating personal financial information according to the present invention. Flow chart of the enhanced function pattern. When the user clicks the function added as shown in the tenth figure, the agent server 1 will provide the function list of the bank A (step 1201) for the user to select, and the agent server 1 is added according to the user's expectation. The function provides the necessary input fields (step 1202), and these necessary input fields have been previously stored in the data storage unit 2. After the user inputs, the agent server 1 stores the user-provided field data in the data storage unit 2, and displays the newly added function pattern of the bank A in the user interface (step 1203), wherein the stored field The information can be further stored as personal financial information to facilitate the integration of personal financial information into the system to avoid repeated input by users.

The integrated personal financial information system of the present invention also provides another function addition method. Please refer to the thirteenth figure, which is a flow chart showing another new function pattern of the method for integrating personal financial information of the present invention. After the user clicks the function added as the function of the tenth figure, the agent server 1 provides the function list of the bank A (step 1301), and after receiving a selected function, according to the function that the user expects to add. The web page of the bank A performing this function (step 1302) is displayed on In the user communication device, the user performs a click operation of the function on the web page screen, and the agent server 1 records a click script of the web page screen of the user performing the function at the bank A (step 1303).

It is generally understood by those skilled in the art that the click script will record the user's operation process on the Bank A website, including at least the cursor movement process and the click item and location, and in any operating system or display device of various sizes and resolutions. All are within the scope of the ordinary knowledge of the present invention.

In particular, when performing the click script recorded by the function, the agent server 1 needs to further estimate the time when the online banking website switches the screen and the current network bandwidth to insert an appropriate delay time between the clicks, and the estimation method further includes an evaluation. The network speed or record the influence of different users on the delay time of the proxy server 1 switching screen before the online banking website. For example, estimating the appropriate delay time may include the round-trip time of the message when requesting access to the bank.

Please continue to refer to the thirteenth figure. After the user clicks on the script, the agent server 1 stores the click script in the data storage unit 2, and displays the function pattern of the bank A in the user interface to complete the function. Added. The click script is a necessary operating condition for the personal financial information of the online banking website of Bank A, and a function pattern associated with the selection function is generated in the user interface. In addition, the user clicks on the function pattern to issue a request for association with the selected financial service function to the agent server 1, and the agent server 1 executes a click script on the bank online banking website to obtain personal financial information.

The integrated personal financial information system of the present invention also provides an integrated balance inquiry function, when the user clicks on the "balance inquiry" pattern in the user interface of the tenth figure, and from the list of currency accounts provided by the agent server 1. After selecting the account of bank A to be inquired, please refer to In the fourteenth figure, the user interface of the integrated personal financial information system of the present invention displays an example of a balance inquiry. Preferably, the balance inquiry function may be used by the user to directly display the commonly used currency account.

Please refer to the fifteenth figure for the balance inquiry function provided by the integrated personal financial information system of the present invention. The fifteenth figure is a message flow chart of the balance inquiry service provided by the integrated personal financial information method of the present invention. When the user communication device 10 transmits the point selection inquiry function 1501 to the agent server 1, the agent server 1 assembles the account number of the bank A memorized by the system function module of the inquiry balance and displays it by the interface module to display 1502. . Preferably, the account of the bank A remembered by the system function module for checking the balance is updated after the user communication device 10 logs in to the bank.

The user communication device 10 sends the account 1503 for the user to click on the estimated inquiry. After receiving the inquiry request 1504 to the bank A bank website 30, the agent server 1 receives the return account balance information 1505, and the received information will be After the agent server 1 retrieves and establishes the query result screen of the user communication device 10, it returns the query result screen 1506 to the user communication device 10.

In addition, the integrated personal financial information system of the present invention further provides a service for inquiring about the labor insurance data of the bank A. When the user clicks on the labor insurance information in the user interface of the tenth figure, please refer to the invention of the invention in the sixteenth figure. The user interface of the information system displays an illustration of the labor insurance data query.

In addition, the integrated personal financial information system of the present invention can also directly query the labor insurance information from the website of the labor insurance bureau. When the user clicks the labor insurance policy option as shown in the fifth figure, the agent server 1 receives the user communication device 10 After the inquiry request, and enter the Labor Insurance Bureau's enquiry website to inquire about relevant information, please refer to the seventeenth figure is a message flow chart of the invention of the integrated personal financial information method to provide the labor insurance data inquiry service.

The user communication device 10 selects the request message 1701 for the labor insurance information, and the message is transmitted to the agent server 1. After the agent server 1 receives the information, the labor insurance data query function module uses the necessary storage in the storage unit 2. The login information is directly entered into the Labour Insurance Bureau's inquiry website 40, and the returned result 1703 is received and scanned, and then the necessary information is captured by the interface module and assembled into the query result screen of the user communication device 10, and the query result screen is returned to use. The user communication device 10 displays the query result screen 1704.

The integrated personal financial information system of the present invention not only provides the financial services of various banks, but also integrates the public information of each bank including but not limited to the interest rate inquiry of each bank and the foreign exchange rate of each bank. Therefore, the user interface of the fifth figure may further include a home bank interest rate inquiry option. Please refer to the eighteenth figure for the user interface of the integrated personal financial information system of the present invention to display an example of the interest rate inquiry of each bank.

Please refer to the nineteenth figure. The method for integrating the personal financial information of the present invention provides a message flow chart for each bank's interest rate inquiry service. When the user communication device 10 sends a request message for selecting the bank interest rate inquiry 1901, the agent server 1 will issue a query request to each bank in order. For example, the agent server 1 first sends a query request message 1902 to the bank A bank website, and downloads the interest rate query result 1903 from the bank bank online banking website 30; further sends a query request 1904 to the bank B online banking website 30a, and downloads it by The B Bank online banking website 30a obtains the interest rate inquiry result 1905.

If the interest rate inquiry result of the online banking websites of the banks obtained by the agent server 1 is obtained by the interface module, the necessary information of the interest rate inquiry results of the banks is obtained, and assembled into the query result screen of the user communication device 10. And returning the interest rate inquiry result screen 1906 to the user communication device 10. Preferably, the agent server 1 can simultaneously send to various bank online banking websites. The inquiry request is made, and the interface module forms a query result screen of the user communication device 10, and the interest rate inquiry result screen 1906 is returned to the user communication device 10.

Those skilled in the art will understand that the aforementioned financial service functions are for illustrative purposes only, but are not limited to the aforementioned financial service functions. The financial service functions that can be provided by the online banking website are within the scope of the present invention.

Claims (5)

A personal financial information integration system is implemented in a user communication device having a display, comprising: an interface module, providing a user interface to the display, and receiving input data from the user interface; and selecting a bank module And a new function module; wherein the bank module is selected by the interface module to provide a bank list including one of a plurality of bank online banking websites, and receives the selected bank online banking website; According to the login condition of the selected bank online banking website, the input module is provided by the interface module at the user interface; and the selected bank module stores the field information of the input field, and generates a bank associated with the selected bank. One of the online banking websites is displayed on the user interface; wherein the new function module provides a function list associated with a bank online banking website through the interface module, and receives a selection function; The function module is provided according to the selection function associated with the bank online banking website, and the necessary input field is provided by the interface module. a user interface; and the new function module stores the field data of the necessary input field, and the field data is a necessary condition for the bank online banking website to provide personal financial information, and generates a function associated with the selection function. The pattern is on the user interface. A personal financial information integration method is implemented in a user communication device having a display, comprising: connecting to an agent server, and the user communication device displays a preset user interface to perform the following steps: Correlating a bank login request of a bank online banking website to the agent server, and receiving a verification code image from the agent server, and displaying the verification code image on the user interface; Providing a login requirement information and an input verification code to the agent server, requesting login by the agent server item of the bank online banking website; and issuing a bank function request associated with the bank online banking website to the agent server And receiving personal financial information associated with the bank online banking website from the agent server, and displaying the personal financial information on the user interface; wherein the user communication device displays the preset user interface, in association The operation of the bank online banking website performs the following steps: displaying a function list and receiving a selection function; displaying the necessary input fields according to the selection function associated with the bank online banking website; and storing the necessary input field fields Information, and the field information is a necessary condition for the bank online banking website to provide personal financial information, and generates a function pattern associated with the selection function on the user interface, wherein the function pattern is triggered to issue a bank associated with the selection function Feature request to the proxy server. A personal financial information integration method is implemented in a user communication device having a display, comprising: connecting to an agent server, and the user communication device displays a preset user interface to perform the following steps: Correlating a bank login request of a bank online banking website to the agent server, receiving a verification code image from the agent server, and displaying the verification code image on the user interface; providing a login request information and an input Verification code to the proxy server, by The agent server item requests the bank online banking website to log in; and issues a banking function request associated with the bank online banking website to the agent server, and receives personal financial information associated with the bank online banking website from the agent server, and Displaying the personal financial information on the user interface; wherein the user communication device displays the preset user interface, and performing the following steps in the operation associated with the bank online banking website: displaying a function list and receiving a selection function According to the selection function associated with the bank online banking website, displaying a webpage screen associated with the selection function; recording a click script of the webpage screen; and storing the click script, wherein the click script is the bank online banking website providing personal finance a necessary operating condition of the information, and generating a function pattern associated with the selection function in the user interface, wherein triggering the function pattern may issue a bank function request associated with the selection function to the agent server, and the agent serves the server Execute the click script on the bank's online banking website to obtain People financial information. For the method of integrating personal financial information as described in claim 2 or 3, the user communication device displays the preset user interface and performs the following steps: displaying a bank list including one of a plurality of bank online banking websites and Receiving the selected bank online banking website; displaying the input field according to the login condition of the selected bank online banking website; and storing the field information of the input field, and generating a bank pattern (100) of the bank online banking website associated with the selection In the user interface, wherein the field information of the input field is the board Into the demand information. The method for integrating personal financial information as described in claim 4, comprising: triggering the bank pattern to issue a bank login request associated with the selected bank online banking website to the agent server; and from the agent server The device receives a verification code image and displays the verification code image on the user interface.