KR100948162B1 - Integrated inquiry method for financial account through direct connection to financial institution, computer readable media storing program for method thereof, and integrated inquiry server - Google Patents

Abstract

PURPOSE: A banking account integration inquiry method through a direct banking institution connection, a recording medium in which a program for performing the method is recorded, and an integration inquiry server are provided to display the account information of target banking institutions on one screen simultaneously, thereby enabling a user to view various banking transaction information at one time. CONSTITUTION: A user computer(130) receives a relay module from an integration inquiry server(110). The user computer requests transaction data through the server gateways(150) of each co-operating banking institution. The user computer receives transaction documents. The relay module converts the transaction documents into data types which can be decoded. The converted documents are displayed simultaneously.

Description

Integrated Inquiry Method For Financial Account Through Direct Connection To Financial Institution, Computer Readable Media Storing Program For Method Thereof, And Integrated Inquiry Server}

The present invention relates to a financial account integration inquiry method through a direct connection of a financial institution, a computer-readable recording medium on which a program for performing the method is recorded, and an integrated inquiry server. Specifically, the present invention, a relay module installed on the user computer is directly connected to the financial institution in a professional exchange without passing through other servers, and how to query the financial account, the program for performing the method to read the computer recorded The present invention relates to a recording medium and an integrated inquiry server.

With the development of electronic banking technology, most financial institutions nowadays provide various online financial services including personal internet banking, corporate internet banking, and mobile banking. Furthermore, as the financial market has recently begun to change from physical channel-oriented growth to business channel-oriented growth, portal banking, groupware banking, and CMS for more customized and integrated financial services. Convergence banking or business banking, including Cash Management Service banking, is emerging. Screen scraping has been used as a key data extraction technology in such a conventional internet financial service.

Screen scraping, also called web scraping, refers to a program designed to extract only the data needed from the data displayed on the Internet screen. Screen scraping is the technology that collects data from each site, converts it into a format, and drives scraping. This has been common in developed countries such as the United States since the late 1990s, and has been widely used in financial institutions since finger companies, which was established in December 2000, developed the technology and started financial services.

The field of screen scraping is used to integrate financial assets scattered in each financial institution, to manage transactions such as inquiry and transfer at once, and to manage them, and to check them at once when using multiple web mails. A wide range of applications including integrated email tracking, hotel, airline, car rental, gas station mileage, and other reward programs, integrated auction progress tracking with e-commerce, logistics service tracking, and news and weather. Do.

However, because most web sites are not designed for screen scraping and are created for other functions and purposes, changes frequently occur and no notification of the changes is made. When the scraping target web site is changed, the screen scraping program must be modified to extract the desired data. Therefore, screen scraping should check whether the target web site has been changed. If changes to the target website are not reflected in the screen scraping program, the financial transaction service may be discontinued. For this reason, screen scraping technology has a problem that the maintenance cost is high without securing the system stability and the continuity of transaction service. In particular, the issue of system stability poses a significant obstacle to financial institution trading systems.

In order to solve the above problems, the present invention, instead of screen scraping to indirectly extract the necessary information from the website opened for other purposes, the integrated inquiry service provider and the affiliated financial institution have a clear purpose and mutually exchange the professional form of the data exchange rules. Determining and exchanging data in a specialized manner, which means that a financial institution can be viewed through a direct link to a financial institution that does not require frequent checks of changes to the target financial institution site, and a computer-readable record of the program that performs the method. It is an object to provide a recording medium and an integrated inquiry server.

Furthermore, a method of integrating a financial account through a direct connection to an easy-to-maintain financial institution that provides a more stable and continuous financial transaction service, a computer-readable recording medium and an integrated query server on which a program performing the method is recorded, It aims to provide.

In addition, it is an object to enable the user to grasp their various financial transaction information at a glance by collectively displaying the account information and the like of one or more target financial institutions on a single screen through the collective login using an authorized certificate.

In order to solve the above problems, a first aspect of the present invention provides a method for integrating a financial account using the Internet, the method comprising: receiving a relay module including a transaction specialized transmission / reception function for one or more affiliated financial institution servers from an integrated inquiry server; ; Directly connecting to each of the affiliated financial institution servers through authentication; Receiving a transaction message converted from transaction data from each of the affiliated financial institution servers; And converting, by the relay module, the transaction text and displaying them collectively on a screen through a display module.

Preferably, the step of receiving the relay module comprises: determining whether the relay module is installed and whether it is the latest version through authentication of the integrated inquiry server; And if the relay module is not installed or is not the latest version provides a financial account integration query method comprising the step of receiving the relay module from the integration query server.

Preferably, the step of connecting through the authentication, the step of receiving the authentication data through the authentication certificate and transmitting to each of the affiliated financial institution server; And directly connecting to each of the affiliated financial institution servers after checking the authentication data.

More preferably, the step of receiving the authentication data, provides a financial account integration query method, characterized in that for receiving the authentication data through each of the authorized certificates for each affiliated financial institution collectively.

More preferably, the step of receiving the authentication data, the financial account, characterized in that for each of the affiliated financial institutions collectively receive the authentication data through any one of the authentication certificate or its own security module of each affiliated financial institution. Provide an integrated query method.

Preferably, the step of receiving the full transaction, the step of requesting the transaction data to the ledger DB of each affiliated financial institution server through the gateway of each affiliated financial institution server; And receiving, by the gateway, the transaction message received and converted from the ledger DB by the gateway, from the gateway.

More preferably, in the step of receiving the transaction text, each specialized financial form is used for each of the affiliated financial institution servers, and the relay module provides a financial account integrated inquiry method capable of decoding all of the respective specialized transaction texts. to provide.

Preferably, the step of collectively displaying on the screen, the step of collecting the received full transaction transaction and converting the data into a form that can be read by the display module of the user computer; And transmitting the converted data to the display module and collectively displaying the converted data on a screen through the display module.

Preferably, the transaction text provides a financial account integration query method characterized in that the XML encryption.

In order to solve the above problems, a second aspect of the present invention provides a computer-readable recording medium having recorded thereon a program for performing the above-described method.

In order to solve the above problems, the third aspect of the present invention, the user information DB for storing the authentication information of the user; A program store for storing a relay module including a transaction specialized transmission / reception function for one or more affiliated financial institution servers; And a control unit for transmitting the stored relay module to a user computer.

Preferably, the program store further stores a display module for collectively displaying the converted transaction text on the screen, and the controller provides an integrated inquiry server for further transmitting the display module to the user computer.

Preferably, the relay module receives the authentication data through an authorized certificate and transmits the authentication data to each of the affiliated financial institution servers, and allows the user computer to be directly connected to each of the affiliated financial institution servers after checking the authentication data. Provide an integrated query server.

More preferably, the authentication data is provided, the integrated inquiry server, characterized in that the authentication data through the respective authorized certificates are collectively input to each affiliated financial institution.

More preferably, the authentication data is input to the integrated query server, characterized in that for each of the affiliated financial institutions, the authentication data through any one of the authentication certificate or its own security module of each affiliated financial institution is collectively input. to provide.

Preferably, in the transmission and reception of the transaction specialist, the user computer requests the transaction data from the ledger DB of each affiliated financial institution server through the gateway of each affiliated financial institution server, and the gateway sends the transaction data from the ledger DB. An integrated inquiry server, wherein the user computer receives a transaction message converted from a transaction data, is transmitted from the gateway.

More preferably, in the transformation of the received transaction specialization, each specialized form is used for each of the affiliated financial institution servers, and the relay module can decode all of the respective specialized transaction forms. Provide a server.

Preferably, the batch display on the screen causes the user computer to collect the received transaction text and convert the display module of the user computer into a readable data format, and transmit the converted data to the display module. It provides an integrated query server characterized in that the batch display on the screen through the display module.

Advantageously, the transaction text provides an integrated query server, characterized in that it is XML encrypted.

According to the present invention, it is not necessary to check whether the target financial institution site is changed from a system point of view from time to time, thereby enabling a more stable and continuous financial transaction service.

In addition, the need to change the relay module program in accordance with the target financial institution site changes from the developer side, there is an effect that the maintenance is simplified.

In addition, from the user's point of view, the account information and the like of one or more target financial institutions in the transaction are collectively displayed on one screen, so that the user can grasp his / her various financial transaction information at a glance.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, when it is determined that a detailed description of a known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, and may be changed according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the specification.

1 is a block diagram of a financial account integration inquiry system of the present invention. Referring to FIG. 1, the integrated inquiry server 110 and the user computer 130 are connected to the Internet 170, and the user computer 130 and each affiliated financial institution server 150 are also connected to the Internet 170.

The integrated inquiry server 110 includes a controller 115, a program repository 120, and a user information DB (database) 125. The integrated inquiry server 110 may be a server of a portal site, a commercial bank, a securities company such as a financial institution that provides Internet banking, or other various Internet service providers.

The controller 115 controls various kinds of information processed by the integrated inquiry server 110. The program store 120 stores the display module 122 and the relay module 124 to be transmitted to the user computer 130. Meanwhile, the user information DB 125 stores authentication information required for the user to access the integrated search server 110.

The display module 122 is a type of client application. The display module 122 collectively displays transaction data received and converted by each of the affiliated financial institution server 150 on one screen, and is displayed at a glance by the user. This program allows you to search on.

The relay module 124 is installed in the user computer 130 and serves to exchange transaction data with one or more affiliated financial institution servers 150 in a professional manner. Although different specialized forms are used for each affiliate financial institution server 150, the relay module 124 is pre-designed to decipher all of the respective specialized transaction forms. Unlike the conventional screen scraping technology, the relay module 124 is directly connected to the affiliated financial institution server 150 through the relay module 124 and stores transaction data on the integrated inquiry server 110 side. It can provide a fast and reliable financial account integration inquiry service without the need to make it work.

The user computer 130 includes a display unit 135 and a controller 140, and is connected to the integrated inquiry server 110 and each affiliated financial institution server 150 through the Internet 170. The Internet 170 may use a method such as HTTP (Hyper Text Transfer Protocol), and the user computer 130, the integrated query server 110, the user computer 130, and each affiliated financial institution server 150 may be used. Connect. In the present invention, the exchange of transaction data occurs between the user computer 130 and each affiliated financial institution server 150 directly connected through the relay module 124. This is different from the exchange of transaction data between the integrated query server 110 and each affiliated financial institution server 150 when conventional screen scraping techniques were used.

The controller 140 controls various types of information processed by the user computer 130, and may execute the display module 122, the relay module 124, and the client-side authentication module 142. In the present embodiment, the display module 122, the relay module 124, and the client side authentication module 142 are implemented as a computer program.

The display module 122 and the relay module 124 may be downloaded from the integrated inquiry server 110 and perform the same possibilities as provided by the same module of the integrated inquiry server 110.

The client side authentication module 142 interoperates with the server side authentication module 162 of each affiliated financial institution server 150 to check whether the connected user is a legitimate user of a registered account. In this embodiment, the authentication of each affiliated financial institution server 150 can be authenticated by simply inputting the user password once as many times as the number of authorized certificates used by using the authentication through the public certificate.

The display unit 135 collectively outputs transaction data of each affiliated financial institution server 150 received from the display module 122 on one screen. Through one screen output on the display unit 135, the user's balance and transaction history of each bank, the valuation amount of the securities company, holdings, trading status and CMA account, the amount and history of the credit card company, the insurance company Subscription history and monthly premiums can be viewed at a glance.

Each affiliate financial institution server 150 is a financial institution that provides Internet banking such as commercial banks, securities companies, card companies, insurance companies, etc. , and integrates financial accounts through a direct connection between the user computer 130 and the affiliated financial institution server 150. Refers to a server of a company that has entered into a separate contract for the provision of financial transaction information with an intermediary provider that provides inquiry services . Each affiliated financial institution server 150 includes a gateway 152, a controller 160, and a ledger DB 165.

The gateway 152 serves to enable each affiliated financial institution server 150 to communicate with an external network using a different communication scheme.

The controller 160 controls various types of information processed by each affiliated financial institution server 150, and executes the server-side authentication module 162 used for authentication of the user computer 130. In connection with the authentication, the controller 160 may use an authentication service through an official certificate used in a conventional internet banking or a WTS (Web Trading System) of a securities company.

The server side authentication module 162 verifies whether the user is a legitimate owner of an account registered with each affiliated financial institution server 150. Each affiliated financial institution server 150 authenticates the user computer 130 through an authorized certificate. In the authentication process, the client side authentication module 142 of the user computer 130 is linked.

The ledger DB 165 is a storage space in which all financial transaction information generated in a user's registered account is electronically recorded as all transactions are recorded in the ledger in accounting practice.

2 is a block diagram of a case in which a full text form is used for each affiliated financial institution server in the financial account integrated inquiry system of the present invention.

Referring to FIG. 2, affiliated financial institution servers A 210, B 220, and C 230 are relay modules 124 of the user computer 130, and specialized methods A 215 and B 225, respectively. , Data is exchanged with C (235).

The above preamble refers to data converted by a specific rule determined by a web server and a client based on a web servise. In this case, web service means providing a function to various clients regardless of operating system or implementation technology. Web services can be implemented in various ways, such as HTTP and XML technologies, and most modern financial institution Internet banking system is equipped with a web service layer. Accordingly, the professional data transmission and reception is a method of exchanging data according to a specific rule determined between the affiliated financial institution server 150 as a web server and the user computer 130 as a client.

Specialized rules A 215, B 225, and C 235, which are specific rules mutually determined with each of the affiliated financial institution servers A 210, B 220, and C 230, are implemented in advance in the relay module 124. In this case, the user computer 130 is directly connected to each of the affiliated financial institution servers A 210, B 220, and C 230, and through the relay module 124, respectively, the professional methods A 215 and B 225. , C (235) can exchange data. This eliminates the need to extract data indirectly from the target financial institution site with conventional screen scraping techniques.

While providing the service of the present invention, the specialized form may be changed by mutual agreement between the affiliated financial institution and the relay operator. In this case, the relay operator must change a corresponding part of the relay module 124 software and perform an update on the relay module 124 already installed in the user computer 130. In the specialized way, section-specific security is handled in the same level as the security level used in authentication-related modules such as existing Internet banking or WTS.

Meanwhile, the relay module 124, which has received various types of transaction texts such as the professional methods A 215, B 225, and C 235, converts the transaction texts into a certain form and sends them back to the display module 122. do. In this embodiment, the XML method is used, and other forms may be used.

Figure 3 shows a schematic flowchart of the financial account integration query method of the present invention.

First, the integrated inquiry server 110 transmits the relay module 124 to the user computer 130 (S1). The control unit 115 of the integrated inquiry server 110 checks whether the relay module 124 is installed and the latest version when the user connects to the integrated inquiry server 110, and transmits a relay module to the user computer 130. 124) can be sent and installed.

Then, the user computer 130 is directly connected to each affiliated financial institution server 150 through authentication (S2). Authentication is performed in conjunction with the client-side authentication module 142 and the server-side authentication module 162. By using the user side through the client-side authentication module 142, the public certificate or its own security module is used, and in the case of using the public certificate, all the affiliated financial institutions (by entering the user password once for each number of public certificates used) 150 may be completed.

After the authentication, each affiliated financial institution server 150 receives the transaction text converted from the transaction data, the user computer 130 is transmitted from each affiliated financial institution server 150 (S3). Here, the affiliated financial institution refers to a company that has made an alliance with the service provider of the present invention with a relay service provider among financial institutions supporting Internet banking. On the other hand, the transaction data is a regular account of the user name among the transaction data stored in each affiliated financial institution server 150 refers to an account registered in the relay module 124 by the user.

Thereafter, the relay module 124 converts the transaction text and displays them collectively on the screen through the display module 122 (S5). In this way, the user can view transaction data of various accounts of each affiliated financial institution at a glance on a single screen.

Figure 4 shows a detailed flowchart of the step of transmitting the relay module to the user computer of the integrated query server of the financial account integration query method of the present invention.

First, the user computer 130 makes an authentication request to the integrated inquiry server 110 (S1-1). In this embodiment, this corresponds to a process of logging in to a web site providing a financial account integration inquiry service. If the input user authentication information is correct, the integrated inquiry server 110 sends an authentication confirmation message to the user computer 130 (S1-2). Subsequently, the integrated inquiry server 110 checks whether the relay module 124 is installed in the user computer 130 (S1-3). If the relay module 124 is installed, it is again checked whether it is the latest version (S1-5). If the relay module 124 is not installed or is not the latest version, the user computer 130 sends a relay module transmission request message to the integrated inquiry server 110 (S1-4). In this case, the integrated query server 110 transmits the relay module 124 to the user computer 130.

5 is a detailed flowchart of a step in which a user computer is directly connected to each affiliated financial institution server through authentication in the financial account integration inquiry method of the present invention.

When the user selects the financial account integration inquiry service, the control unit 140 of the user computer 130 calls the relay module 124 and receives authentication data through the public certificate (S2-1). In this embodiment, a method of collectively inputting authentication data through each authorized certificate is provided for each affiliated financial institution. In this case, the user can collectively input user passwords for each authorized certificate through the user interface screen as shown in FIG. 6 and transmit them at once.

Authentication includes a method using a public certificate and a method using its own security module of each affiliated financial institution server 150. The method of using a certificate is a lot of customers who use WTS or HTS (Home Trading System), the security is relatively verified, and it is possible to provide safe and convenient service. Although there is an advantage, the certificate may be different for each financial institution, and since the certificate must be submitted every time, it is necessary to prepare a countermeasure for convenient use. On the other hand, the method using its own security module, for example, using a query-only ID has the advantage that it is easy to use in that only a query-only ID and a password are input. There is a development burden, and there is a disadvantage in that the method of using a query-only ID is different for each financial institution.

On the other hand, unlike the present embodiment, each affiliated financial institution may be configured to receive authentication data collectively through any one of its own security modules of each affiliated financial institution, such as an authorized certificate or a query-only ID.

The relay module 124 of the user computer 130 receives the authentication information through the authorized certificate and transmits it to each affiliated financial institution server 150 (S2-2).

Each affiliated financial institution server 150 that receives the authentication request determines whether it is legal, and when the authentication is confirmed, it is directly connected to the user computer 130 (S2-3). When the user computer 130 and each affiliated financial institution server 150 are directly connected, data exchange is directly performed through the relay module 124.

6 is a view showing a user interface screen of the authentication step through the public certificate of the financial account integration inquiry method of the present invention.

Referring to FIG. 6, there is a user interface screen called financial account integration inquiry service login 600 when using authentication through a public certificate. The user interface screen is composed of a menu space called a storage medium selection 610 and a certificate authentication data input 630 for each affiliated financial institution.

The storage medium selection 610 menu provides the user with information about where a certificate can be stored, such as a hard disk 612, a removable disk 614, a mobile phone 616, a smart card / standard security medium 618, and the like. Take input.

The official certificate authentication data input 630 menu for each affiliated financial institution is configured to list the public certificates to be used for each division 622 and input a certificate password 636 for each certificate name 634. The division 622 shows the type of business of the affiliated financial institution that can be integrated according to the present invention, such as securities, banks, and insurance. The certificate name 634 serves to distinguish different certificates according to the issuing authority. The certificate password 636 is a space for collectively inputting a user password for each authorized certificate once.

When the user inputs all certificate passwords 636 and sends an input completion message, the authentication information input by the user may be collectively transmitted to each affiliated financial institution server through an authorized authentication process.

FIG. 7 is a detailed flowchart illustrating a step in which a user computer receives a transaction text of a financial account integration inquiry method according to the present invention.

When the user selects an inquiry menu of the financial account integration inquiry service through the relay module 124 executed by the control unit 140 of the user computer 130, the relay module 124 may execute the selection of each affiliated financial institution server 150. The transaction data is requested to the gateway 152 (S3-1). The gateway 152 transmits a transaction data request to the ledger DB 165 connected to the same affiliated financial institution server 150 (S3-2).

The ledger DB 165 finds the transaction data of the stored user and transmits it to the gateway 152 (S3-3). The gateway 152 converts the received transaction data into a specialized form that meets a predetermined rule determined in advance with the relay module 124 (S3-4). When the conversion is completed, the gateway 152 of each affiliated financial institution server 150 directly transmits the full transaction text to the relay module 124 of the user computer 130, respectively (S3-5).

8 is a detailed flowchart illustrating a step in which a user computer receives a transaction message converted by a gateway from a gateway in the financial account integration inquiry method of the present invention.

The relay module 124 of the user computer 130 collects the full text of the transaction directly transmitted from each affiliated financial institution server 150 (S4-1). In addition, the relay module 124 converts the collected transaction text into a data form that the display module 122 of the user computer 130 can read (S4-2). In the present embodiment, the display module 122 uses the XML format as a decipherable data type, but other data types are possible. The relay module 124 transmits the converted transaction data to the display module 122 (S4-3). The display module 122 collectively displays the received transaction data on the screen through the display unit 135 of the user computer 130 (S4-4). As a result, the user can inquire at a glance the transaction data of all his accounts stored in each affiliated financial institution server 150.

Modules, functional blocks or means of the present embodiment may be implemented in a variety of known elements, such as electronic circuits, integrated circuits, ASICs (Application Specific Integrated Circuit), each may be implemented separately, or two or more may be integrated into one Can be.

Although the embodiments have been described for the understanding of the present invention as described above, it will be understood by those skilled in the art, the present invention is not limited to the specific embodiments described herein, but variously without departing from the scope of the present invention. May be modified, changed and replaced. For example, the technique of the present invention may be applied to a picture, an image, etc., which may be displayed by a display such as an LCD instead of a character. Therefore, it is intended that the present invention cover all modifications and variations that fall within the true spirit and scope of the present invention.

1 is a block diagram of a financial account integration inquiry system of the present invention.

2 is a block diagram of a case in which a full text form is used for each affiliated financial institution server in the financial account integrated inquiry system of the present invention.

Figure 3 shows a schematic flowchart of the financial account integration query method of the present invention.

Figure 4 shows a detailed flowchart of the step of transmitting the relay module to the user computer of the integrated query server of the financial account integration query method of the present invention.

FIG. 5 is a detailed flowchart of a step in which a user computer is directly connected to each affiliated financial institution server through authentication in the financial account integration inquiry method of the present invention.

Figure 6 shows a user interface screen of the authentication step through a public certificate of the financial account integration inquiry method of the present invention.

FIG. 7 is a detailed flowchart illustrating a step in which a user computer receives a transaction text of a financial account integration inquiry method according to the present invention.

FIG. 8 is a detailed flowchart of a step in which a user computer receives a transaction message converted by a gateway from a gateway in the financial account integration inquiry method of the present invention.

Claims (19)

In the financial account integration inquiry method using the Internet, Receiving, by the user computer, a relay module from the integrated inquiry server, the relay module including a function of transmitting and receiving a transaction text, which is a data exchange rule mutually determined with one or more affiliated financial institutions; Directly connecting the user computer receiving the relay module to a gateway of a server of each affiliated financial institution through authentication; Requesting, by the user computer, transaction data from the ledger DB of the server of each affiliated financial institution through the gateway; Receiving, by the gateway, the transaction message that the gateway receives and converts the transaction data from the ledger DB; Collecting, by the relay module, the received transaction message, and converting the received transaction message into a readable data form of the display module of the user computer; And Transmitting, by the relay module, the converted data to the display module and collectively displaying the converted data on a screen through the display module; The transaction text is used in each form for each affiliated financial institution server, The relay module may decode all of the respective transaction specialization forms, The full transaction is characterized in that the XML encrypted How to view financial account consolidation. The method of claim 1, Receiving the relay module, The integrated query server authenticating the user computer and determining whether the relay module is installed in the user computer and whether a newer version is installed; And If the relay module is not installed in the user computer or is not the latest version, the user computer receiving the relay module from the integrated inquiry server Financial account integration query method comprising a. The method of claim 1, The step of connecting through the authentication, Receiving, by the user computer, authentication data through a public certificate and transmitting the authentication data to each of the affiliated financial institution servers; And Directly connecting the user computer to each of the affiliated financial institution servers after confirming the authentication data. Financial account integration query method comprising a. The method of claim 3, wherein In the step of receiving the authentication data, the user computer is characterized in that for receiving each of the affiliated financial institutions collectively input the authentication data through the respective certificate. How to view financial account consolidation. The method of claim 3, wherein In the receiving of the authentication data, the user computer may receive the authentication data through any one of an authorized certificate or a security module of each affiliated financial institution for each of the affiliated financial institutions. How to view financial account consolidation. delete delete delete delete A program for performing the method according to any one of claims 1 to 5 is recorded. Computer-readable recording media. A user information DB for storing authentication information of the user; A program storage for storing a relay module including a function for transmitting and receiving a transaction text, which is a data exchange rule mutually determined with one or more affiliated financial institutions, and a display module for collectively displaying the converted transaction text on a screen; And A control unit for transmitting the stored relay module and the stored display module to a user computer, In the transmission and reception of the transaction message, the user computer requests the transaction data from the ledger DB of the server of each affiliated financial institution through the gateway of the server of each affiliated financial institution, and the gateway sends the transaction data from the ledger DB. Characterized in that the user computer is received from the gateway to convert the transaction message received and converted, In the conversion of the received transaction specialization, each specialized form is used for each of the affiliated financial institution servers, and the relay module may decode all of the respective transaction specialization forms. The collective display on the screen causes the user computer to collect the received transaction text and convert the display module of the user computer into a readable data format, and transmit the converted data to the display module to display the display module. Characterized in that the batch display on the screen, The full transaction is characterized in that the XML encrypted Integrated Query Server. delete The method of claim 11, The relay module receives authentication data through an authorized certificate and transmits the authentication data to each of the affiliated financial institution servers, and allows the user computer to be directly connected to each of the affiliated financial institution servers after checking the authentication data. Integrated Query Server. The method of claim 13, The authentication data is input, characterized in that the authentication data through each of the authentication certificate is collectively input to each affiliated financial institution Integrated Query Server. The method of claim 13, The authentication data is input, characterized in that for each of the affiliated financial institutions, the authentication data through any one of the authentication certificate or its own security module of each affiliated financial institution is collectively input. Integrated Query Server. delete delete delete delete

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