KR100359695B1 - Financial portal service system and method - Google Patents

Abstract

The present invention relates to a financial portal server and a financial portal service system and method including the same, wherein a connection network of an automated terminal used for financial on-line transactions is established through a common communication network of a financial institution, and a host computer of each financial institution is established. Based on the application that can control the automated terminal on the basis, each financial institution to support financial services according to its own products and trading rules independently. A communication control unit and business logic centering on the host computer A financial institution (an institution of the first financial sector and / or the second financial sector) having a server, a communication server, a mass communication support means for simultaneously supporting a large amount of communication required from a subscriber through an information communication network, and an internet fire protection means; Or an automated terminal to a telecommunication network of a financial affiliate In the financial service system that supports financial services, the user receives the user information generated for the financial transaction with any one of a plurality of financial institutions by using the automated terminal, and is provided by a plurality of financial institutions. The user information is transmitted to the host computer of the financial institution through the common communication network and the common communication network established to support automatic on-line transactions according to the financial products (transactions and / or services) and the fee charging system. It is verified and confirmed, and the financial transaction and / or service provision of the financial institution is decided according to the verification result, and the integrated automation terminal is controlled according to the financial product and fee charging system of the financial institution, and then established in multiple financial institutions. Each financial institution and / or through the automated terminal along the common communication network The Financial Portal Services system and method include controls to support independent self-transactions with affiliated institutions.

Description

Financial portal service system and method {FINANCIAL PORTAL SERVICE SYSTEM AND METHOD}

The present invention relates to a financial portal service, and in particular, to build an automated terminal sales network through a common communication network of financial institutions, and to mount an application for each financial institution that can control it integrated, independent transaction for each financial institution through an automated terminal. The present invention relates to a financial portal server, and a financial portal service system and method including the same, by providing a financial institution, an affiliated agency, and a service provider providing an automated terminal installation location.

The conventional automated terminal for financial services is configured to operate by an application supported by a specific financial institution, and thus they are all configured to trade only financial products supported by their own financial institutions.

In addition, even if a bank uses a business alliance with a second financial institution, certain banks are configured to be subordinated to banking transactions instead of making their own transactions. There have been problems such as using the financial products used as they are or accepting all the unreasonable fee payment systems unilaterally set by the bank.

The current alliance method as described above can be broadly divided into two types, one of which is a method of notifying an affiliated bank of an affiliated bank's account system so that a customer of the affiliated institution uses only the automated terminal of the affiliated bank.

However, this method is the earliest model in which a second financial institution was introduced to use an automated terminal of a bank, and it was inconvenient to cooperate with several banks in the second financial institution.

The other is to inform the affiliated institution of the bank's account system, and record the fictitious account of the affiliated bank on its own card (for example, a securities card independently issued and used by a securities company). Almost all banks' automation terminals are used, not only affiliated banks.

However, this is another model used to use an automated terminal of a bank, which was already used by a particular bank, and recently introduced by other banks one after another. As a result, the inconvenience of having to cooperate with various banks was reduced for the second financial institution, but it had its own disadvantages.

In addition, since the account system of the affiliated bank is recorded and issued to the affiliated institution's card together with the affiliated institution's customers, it is difficult to terminate the contract when the number of cards issued increases. There was a concern.

Nevertheless, the reasons for being dependent on affiliated banks are the lack of its own sales network, the lack of the connection of its own automation terminals, and the enormous costs involved in expanding the expansion of the automation terminal network. There was a problem.

The present invention has been made to solve the above problems, the present invention is to connect the network of automation terminals used for financial on-line transactions financial institutions (including first financial sector and second financial sector, or other financial affiliates) It can be built through a communication network and equipped with an application that can control the automated terminal based on the host computer of each financial institution, so that each financial institution can independently support financial services according to its own products and trading rules. The purpose is to provide a portal server and a financial portal service system and method including the same.

In order to achieve the above object, an embodiment of the present invention provides a communication control unit, a business logic server, a communication server, and a large amount of communication required by a subscriber at the same time based on a host computer. Support financial services by connecting an automated terminal (ATM) through a telecommunication network to a financial institution (first financial sector and / or second financial sector and / or financial partner institution) having a mass communication support means and an internet fire protection means. In the financial service system, the financial terminal and / or affiliated institutions to determine whether to provide financial transactions and / or services provided by using the automated terminal according to the financial products and fee charge system of the financial institution and / or affiliated institution Characterized in that it is equipped with a financial integration application for controlling the automated terminal, the financial integration The application receives user information generated for a financial transaction with one of a plurality of financial institutions and / or affiliated institutions by using an automated terminal, and is provided by a plurality of financial institutions and / or affiliated institutions. The user information is transmitted to a host computer of the financial institution and / or affiliated institution through a common communication network established to support automatic on-line transactions in accordance with financial products (transactions and / or services) and fee charging system. It is verified and confirmed, and the financial institution and / or affiliated institution decides whether to provide financial transactions and / or services based on the verification result, and integrates the automated terminal according to the financial product and fee charge system of the financial institution and / or affiliated institution. To control the public by following the common communication network established in a number of financial institutions and / or affiliated institutions. It provides a financial portal server, characterized in that it supports independent transactions for each financial institution and / or affiliated institutions through the automated terminal installed in a predetermined place where the shop space is opened.

In order to achieve the above object, another embodiment of the present invention provides a communication control unit, a business logic server, a communication server, and a large amount of communication simultaneously required by a subscriber through a host computer. Support financial services by connecting automated terminals through information and communication networks to financial networks of financial institutions (institutions of the first and / or second financial sectors and / or financial affiliates) equipped with mass communication support means and internet fire protection means. In a financial service system, a user receives a user information generated for a financial transaction with one of a plurality of financial institutions by using the automated terminal, and provides a financial product (a transaction and And / or services) and fee-based schemes, which are built to support automated on-line transactions. The user information is verified and confirmed by transmitting to the host computer of the financial institution through the trust network and the common communication network, and the financial institution and financial service provider of the financial institution are determined according to the result of the verification to determine the financial institution. Integrated automated terminals are controlled according to the financial products and fee charging system of the company, and independent self-transaction is supported for each financial institution and / or affiliated institution through the automated terminal along the common communication network established in a plurality of financial institutions. It provides a financial portal service system comprising a control means.

Another embodiment of the present invention for achieving the above object is, at the same time to support a large amount of communication from the subscriber through the communication control unit, the business logic server, the communication server, and the information communication network centered on the host computer To communicate with a large number of financial institutions and / or affiliated institutions in a communication network of a financial institution (a first financial sector and / or a second financial sector and / or a financial partner institution) equipped with a mass communication support means and an internet fire prevention means. 1. A financial service method for establishing a communication network and connecting financial terminals by connecting an automated terminal (ATM) through a common communication network, wherein a plurality of financial institutions and / or affiliated organizations support the automated terminals connected through the common communication network. A first step of guiding each financial transaction and a service product; When a product to be financed or a product to be serviced is selected through the automated terminal, the financial institution and / or the partner institution receive user information necessary for financial transaction or service product support, and the corresponding financial institution through the common communication network. And / or a second step of directly verifying and confirming the user information by transmitting to a host computer of an affiliated institution; When the verification and confirmation of user information is accepted from the host computer, the financial transaction desired by the user through automatic on-line transaction in accordance with the financial products (transactions and / or services) and the fee charge system of the financial institution and / or affiliated institution. And it provides a financial portal service method comprising a third step of executing a service.

1 is a block diagram schematically showing an application state of a financial portal service system according to the present invention.

2 is a block diagram of the basic components that a financial portal server according to the present invention should have

3 is a signal processing flowchart illustrating the operation of the financial portal server according to the present invention.

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

TCP / IP: Transmission Control Protocol / Internet Protocol

10: financial portal server 11: host computer

12: communication control unit (CCU) 13: mass communication support means (M / B)

14: Business Logic Server (BLS) 15: Communication Server (C / S)

16: Internet fire protection means (F / W) 20: Public network (or common network)

30: integrated automation terminal (AMUG) 40: payment source (or financial settlement source)

50, 60: other banks or affiliated institutions

Hereinafter, with reference to the accompanying drawings a preferred embodiment of the financial portal server and a financial portal service system and method comprising the same of the present invention will be described in detail.

1 is a block diagram schematically showing the system configuration of the financial portal server is applied according to the present invention, the financial portal server 10 according to the present invention is a payment source 40 (for example, the financial settlement agency is preferred) It establishes a common communication network with other banks 50 and other financial alliance agencies 60 through the financial portal server 10. The financial portal server 10 is represented as a common network 20, but is actually a public network. It is preferable to implement it as an information communication network including both a communication network and a dedicated communication network, hereinafter referred to as a common network, so as to support the function of an automatic teller machine for many users group (AMUG) 30. One configuration example is shown.

In particular, the integrated automated terminal 30 is a predetermined place (for example, open 24 hours a day) open to the public along the common communication network established in a number of financial institutions and / or affiliated institutions Suitable, but not limited to, any place as long as the user's traffic is frequent and freely open) can be installed), which is a financial institution and / or affiliated institution desired by the user under the control of the financial portal server Implement financial transactions and services based on a host's transaction history to support independent financial transactions for each financial institution and / or affiliate.

2 is a block diagram of basic components that the financial portal server 10 according to the present invention should have in order to communicate with other financial institutions through a common communication network or to control the integrated automation terminal. The communication control unit (CCU) 12, the business logic server (BLS) 14, the communication server (C / S) 15, and a large amount of communication required from the subscriber through the common network 20 Financial institutions (Members of the first financial sector and / or the second financial sector and / or financial affiliates) having a mass communication support means (M / B) 13 and internet fire protection means (F / W) 16 supporting at the same time; In general communication network of the, through the common network 20 is shown a state capable of connecting an integrated automation terminal (AMUG) (30).

In particular, the financial portal server supports automatic on-line transactions of the integrated automation terminal 30 according to financial products (transactions and / or services) and fee charging systems provided by various financial institutions (or affiliated institutions). Financial integration application for the business logic server 14 can be mounted.

The financial integration application verifies user information, which is selectively input for financial transactions with one of the plurality of financial institutions and / or affiliated institutions, through the common communication network through a host computer of the financial institution and / or affiliated institutions. And confirming operation. The financial result and / or service provider of the financial institution and / or the partner institution are determined according to the result of the verification, and the integrated automation terminal is controlled according to the financial product and fee charging system of the financial institution and / or the partner institution.

These financial integration applications can be mounted in each financial institution and / or affiliated institutions that each want to use the integrated automation terminal jointly, and has established a common communication network that can communicate with multiple financial institutions and / or affiliates Can be run from

Therefore, the financial portal server is equipped with such a financial integration application, each through the automated terminal installed in a predetermined place that is open to the public along the common communication network established in a number of financial institutions and / or affiliated institutions Support independent financial transactions with financial institutions and / or affiliates.

3 is a signal processing flow diagram for explaining the operation of the financial portal server according to the present invention, a common communication network capable of communicating with a plurality of financial institutions and / or affiliated institutions in the communication network of the financial institution, the common communication network An example of a flow of a financial integration application supporting financial services of the integrated automation terminal (AMUG) connected to is shown.

Referring to FIG. 3, the financial integration application, in the first step, is a financial transaction and a service product supported by a plurality of financial institutions and / or affiliated institutions that are stored in advance in an integrated automation terminal connected through the common communication network. A screen and / or a message for guiding is output through the output device of the terminal.

Next, in the second step, the user checks whether the product to be financially traded or the product to be serviced is selected through the automated terminal, and when the user selects the product to be financially traded or serviced, the financial institution and / or affiliation. Re-enter user information necessary for financial transaction or service product support of the institution, and transmit the input user information to a corresponding financial institution and / or affiliated organization through a common communication network, so that the user information is correct information or financial The operation of verifying and confirming whether the transaction is possible information from the host computer of the financial institution and / or the affiliated institution is performed.

Finally, in the third step, if the verification and confirmation of user information is recognized from the host computer of the financial institution and / or the affiliated institution, the financial products (transactions and / or services) and the previously stored financial institution and / or the affiliated institution and In accordance with the fee charging system, the user performs the desired financial transactions and services through automatic on-line transactions based on the host transaction details of the financial institution and / or affiliated institutions.

According to the present invention constituted as described above, the automated terminal connection network is automatically formed by the financial on-line transaction is built to build its own sales network, the automated terminal network is connected to a financial institution (first financial sector and second financial sector, or other financial The automated terminal is built by using a common communication network, and each application is equipped with an application that can control an automated terminal connected through the common communication network based on a host computer of each financial institution. Each financial institution will be able to freely use it according to the financial products and trading rules provided by its own institution.

Therefore, according to the present invention, from the financial institution or affiliated agency side, it is possible to automatically attract the mother account for the settlement of funds of the affiliated institution by establishing its own network at a low cost, and the newly developed financial products and new customers It is easy to create, and by establishing a 24-hour service system, it is possible to provide high-quality financial services to customers. In addition, it is possible to purchase tickets or provide Internet services in the future, and has the advantage of automatically attracting the daily sales amount of the automated device installation store. In particular, financial institutions with a financial portal server have the advantage of increasing fee income.

On the other hand, from the standpoint of providing an integrated automated terminal installation place, it is possible to increase sales by attracting customers, and it is easy to enter the financial market when the financial barriers are removed in the future, and provide quality services to customers by establishing a 24-hour financial service system. can do. In addition, it is possible to purchase tickets and provide Internet services in the future, and have the convenience of automatically depositing deposits by depositing them in the integrated automated terminal without going to the bank.

Claims (3)

delete A financial institution having a communication control unit, a business logic server, a communication server, a mass communication support means for simultaneously supporting a large amount of communication required from a subscriber through a host computer, and an internet fire protection means mainly on a host computer. In a financial service system that supports financial services by connecting an automated terminal through an information communication network to a communication network of an institution of a first financial institution and / or a second financial institution and / or a financial partner institution, The user receives the user information generated for the financial transaction with one of a plurality of financial institutions by using the automated terminal, and charges the financial products (transactions and / or services) and fees provided by the plurality of financial institutions. A common network built to support automated on-line transactions, The user information is verified and verified by transmitting to the host computer of the financial institution through the common communication network, and the financial transaction and / or service provision of the financial institution is determined based on the result of the verification and the financial of the financial institution is determined. Control the integrated automated terminal according to the product and fee charging system, and support independent independent transactions for each financial institution and / or affiliated institution through the automated terminal along the common communication network established in a plurality of financial institutions. A financial portal system comprising means A financial institution having a communication control unit, a business logic server, a communication server, a mass communication support means for simultaneously supporting a large amount of communication required from a subscriber through a host computer, and an internet fire protection means mainly on a host computer. In the communication network of the first financial sector and / or the second financial sector and / or the financial partner institution, a financial network that establishes a common communication network capable of communicating with a plurality of financial institutions and connects an automated terminal through the common communication network to support financial services In the service method, A first step of guiding each financial transaction and service product supported by a plurality of financial institutions to an automated terminal connected through the common communication network; When a product to be financed or a product to be serviced is selected through the automated terminal, the user information necessary for financial transaction or service product support of the financial institution is input and transmitted to the host computer of the financial institution through the common communication network. A second step of directly verifying and confirming the user information; When the verification and confirmation of user information is accepted from the host computer, the user can execute the financial transactions and services desired by the user through automatic on-line transactions according to the financial products (transactions and / or services) and the fee charging system of the financial institution. A financial portal service method comprising the third step.