KR101523291B1 - Method, system and computer-readable recording medium for integrated management of financial service - Google Patents

Abstract

According to another aspect of the present invention, there is provided a method for integrally managing a financial service by an intermediary institution server, the method comprising: receiving a financial service information inquiry request from a user terminal for a financial institution transmitted through a specific financial institution server; Accessing a server of the other financial institution using the user identification information stored in the cloud system according to the request; And collecting the requested information from the other financial institution server and providing the collected information to the user terminal through the specific financial institution server.

Description

[0001] METHOD, SYSTEM AND COMPUTER READABLE RECORDING MEDIUM FOR INTEGRATED MANAGEMENT OF FINANCIAL SERVICE [0002]

An embodiment of the present invention relates to a method, system and computer-readable recording medium for integrated management of financial services.

In recent years, the use of Internet banking, telebanking, etc., which can handle financial transactions such as payment settlement and transfer more safely and swiftly, has been rapidly increasing as compared with a visit processing method of visiting a financial institution by visiting a financial institution. Such an electronic financial system is used by many people because it is unnecessary to hold cash, and can escape from space and time constraints. Especially, in the case of Internet banking, it is spreading rapidly due to the development of information and communication technology and the increase of internet users.

A user who wishes to use the Internet banking is issued an ID and password for accessing the Internet banking server issued by a financial institution such as a bank and accesses the corresponding Internet banking server through a user security identification method such as an authorized certificate, do.

However, if a user wishes to use the financial service of another financial institution through Internet banking, it is necessary to regenerate the personal identification information for accessing the Internet banking server of the corresponding financial institution, and the Internet banking service .

In addition, even in the case of having individual identification information for Internet banking of each financial institution, in order to use the Internet banking service of another financial institution while using the Internet banking service of a specific financial institution, a new connection is made to the Internet banking server of another financial institution There was an inconvenience to log in.

SUMMARY OF THE INVENTION The present invention has been made to solve all the problems of the prior art described above.

An object of the present invention is to store personal identification information in a public cloud system and utilize it, so that a service for a plurality of financial institutions can be used anytime and anywhere.

Another object of the present invention is to allow information from each financial institution to be received without installing a separate program for collecting information for each use medium.

Another object of the present invention is to minimize traffic generation in collecting information from a plurality of financial institutions through a relay agency.

In order to achieve the above object, an embodiment of the present invention provides a method for managing an integrated financial service by an intermediary agency server, the method comprising: receiving, from a user terminal, financial service information Receiving a query request; Accessing a server of the other financial institution using the user identification information stored in the cloud system according to the request; And collecting the requested information from the other financial institution server and providing the collected information to the user terminal through the specific financial institution server.

According to another aspect of the present invention, there is provided an information processing system including an information inquiry request receiving unit for receiving a financial service information inquiry request for a financial institution transmitted from a user terminal through a specific financial institution server; And accessing the server of the other financial institution using the user identification information stored in the cloud system, collecting the requested information, and providing request information for transmitting the collected information to the user terminal through the specific financial institution server The present invention provides a financial service integrated management system,

According to another aspect of the present invention, there is provided an information processing system including an information inquiry request transmitting unit for transmitting a request for inquiring financial service information to another financial institution to a relay agency server through a specific financial institution server; And a display unit for receiving and outputting financial service information for the other financial institutions collected by the relay agency server.

Meanwhile, another embodiment of the present invention provides another method for integrally managing financial services from a plurality of financial institutions, and a computer-readable recording medium for recording a computer program for executing the method.

According to the present invention, it is possible to store and use personal identification information in a cooperative cloud system, so that a service for a plurality of financial institutions can be used anytime and anywhere.

In addition, according to the present invention, since the relay agency server collects necessary information and provides it to the user, it is not necessary to install a separate program for collecting information for each use medium.

In the meantime, according to the present invention, only new information is collected and provided to the user in the information collection of the relay agency, so that the traffic generation can be minimized.

It should be understood that the effects of the present invention are not limited to the above effects and include all effects that can be deduced from the detailed description of the present invention or the configuration of the invention described in the claims.

FIG. 1 is a diagram schematically showing the overall configuration of a financial service integrated management system according to an embodiment of the present invention.
2 is a detailed block diagram of a relay agency server according to an embodiment of the present invention.
3 is a detailed block diagram of a user terminal according to an embodiment of the present invention.
FIG. 4 is a diagram for explaining a process of inquiring a receipt account after transfer of another account according to an embodiment of the present invention.

The following detailed description of the invention refers to the accompanying drawings, which illustrate, by way of illustration, specific embodiments in which the invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention. It should be understood that the various embodiments of the present invention are different, but need not be mutually exclusive. For example, certain features, structures, and characteristics described herein may be implemented in other embodiments without departing from the spirit and scope of the invention in connection with an embodiment. It is also to be understood that the position or arrangement of the individual components within each disclosed embodiment may be varied without departing from the spirit and scope of the invention. The following detailed description is, therefore, not to be taken in a limiting sense, and the scope of the present invention is to be limited only by the appended claims, along with the full scope of equivalents to which such claims are entitled, if properly explained. In the drawings, like reference numerals refer to the same or similar functions throughout the several views.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, so that those skilled in the art can easily carry out the present invention.

[Preferred Embodiment of the Present Invention]

Configuration of the entire system

FIG. 1 is a diagram schematically showing the overall configuration of an Internet financial services integrated management system according to an embodiment of the present invention.

1, a system according to the present invention includes an intermediary institution server 100, a user access agency server 200, a first information provider server 300, a second information provider server 400, a user terminal 500 ). ≪ / RTI > The user access organization server 200 can communicate with the user terminal 500 via the first communication network 600 and the relay agency server 100 through the second communication network 700. In addition, the relay agency server 100 can communicate with the first information provider server 300 through the second communication network 700.

The relay agency server 100 according to an embodiment of the present invention provides a financial integrated management service to a user. Specifically, a storage space for personal identification information is allocated to each user in the cloud system 101 in response to a request from the user terminal 500, and a user is authenticated through the stored personal identification information, ) To access financial services of all financial institutions. To this end, the related information is received from the first information providing agency server 300 and the second information providing agency server 400, which are operated by financial institutions other than the specific financial institution server 200 accessed by the user, And stores it temporarily in the cloud system 101 so that the user can inquire desired information. The relay agency server 100 according to an embodiment of the present invention may be a financial institution that constructs and operates a financial joint network so that a user can receive various financial transaction services provided by each financial institution Or the like). The detailed role of the relay agency server 100 will be described later in more detail.

A specific financial institution server 200 according to an embodiment of the present invention is a server operated by a specific financial institution accessed by a user through a user terminal 500. [ The specific financial institution server 200 provides an interface for allowing a user to request a financial integrated management service according to an embodiment of the present invention. Accordingly, in the web page provided by the specific financial institution server 200, the user can allow the cloud system 101 to store the personal identification information to be used for authentication of the user for the use of the financial integrated management service, Financial services can be requested.

The first information providing organization server 300 according to an embodiment of the present invention may be a server operated by a financial institution participating in the financial integrated management service according to an embodiment of the present invention. The first information providing agency server 300 provides information related to the financial service to be provided to the user in response to a request from the relay agency server 100. [ The information exchange method between the relay agency server 100 and the first information provider server 300 can be achieved by a professional exchange method. Although the specific financial institution server 200 and the first information providing organization server 300 connected by the user through the user terminal 500 are shown as separate components for convenience of explanation in the drawings, You may. That is, both the specific financial institution server 200 and the first information providing agency server 300 are servers operated by a predetermined financial institution (for example, a bank, a financial investment company, a card company, an insurance company, a mileage company, etc.) have.

The second information provider server 400 according to an embodiment of the present invention may be a server operated by a financial institution that does not participate in the financial integrated management service according to an embodiment of the present invention. According to an embodiment of the present invention, even when a user connected to a specific financial institution server 200 requests a financial service for a financial institution that does not participate in the financial integrated management service, The financial service of the institution can be provided to the user. To this end, the screen scraping system 102 of the relay agency server 100 accesses the second information provider server 400 through a screen scraping scheme to obtain information to be provided to the user. The spreading engine is activated only by the screen scraping system 102 of the relay agency server 100 and the obtained information is provided to the user terminal 500 through the specific financial institution server 200, A module for scraping or a separate program need not be installed. Although the specific financial institution server 200 and the second information providing organization server 400 are shown as separate components for convenience of explanation, they may be replaced with each other.

The user terminal 500 according to an exemplary embodiment of the present invention allows a user to access a specific financial institution server 200. As described above, the user can apply for the integrated financial management service and use the corresponding service through the web page provided by the specific financial institution server 200. The user terminal 500 according to an exemplary embodiment of the present invention is a digital device including a wired / wireless communication function or other functions for realizing the functions as described above. The digital device includes a personal computer (e.g., a notebook computer), a tablet PC, Mobile phones, a navigation pad, a web pad, a PDA, a workstation, and the like, and includes a digital device having a computing ability by mounting a microprocessor.

The financial institution server 200 and the user terminal 500 can communicate with each other through the first communication network 600 according to an embodiment of the present invention. Also, the screen scraping system 102 managed by the relay agency server 100 and the second information provider server 400 may communicate through the first communication network 600 as well. According to one embodiment, the first communication network 600 may be configured without regard to its communication mode, such as wired and wireless, and may be a LAN (Local Area Network), a Metropolitan Area Network), a wide area network (WAN), and the like. Preferably, the first communication network 600 according to an embodiment of the present invention may be a known World Wide Web (WWW) or the like.

The relay agency server 100, the specific financial institution server 200, and the first information provider server 300 can communicate with each other through the second communication network 700 according to an embodiment of the present invention. The second communication network 700 may be a financial common network that connects the respective networks of the financial institutions to provide a common service, and may be established and operated by the relay agency server 100.

Hereinafter, the detailed configuration and role of the relay agency server 100 according to an embodiment of the present invention will be described.

Relay agency server

2 is a diagram illustrating a configuration of an intermediary institution server 100 according to an embodiment of the present invention.

2, the relay agency server 100 may include a storage space allocating unit 110, a personal identification information managing unit 120, an information inquiry request receiving unit 130, and a request information providing unit 140 have. According to an embodiment of the present invention, the storage space allocation unit 110, the personal identification information management unit 120, the information inquiry request receiving unit 130, and the request information providing unit 140 may include a program module Or hardware. Such program modules or hardware may be included in the relay agency server 100 or other devices capable of communicating with it in the form of an operating system, application program modules, and other program modules, and may be physically stored on various known storage devices have. Such program modules or hardware, on the other hand, encompass but are not limited to routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types in accordance with the invention.

Hereinafter, the detailed configuration of the relay agency server 100 will be described with reference to FIG. 1 and FIG.

The storage space allocating unit 110 according to an embodiment of the present invention allocates at least a part of the storage space managed by the relay agency server 100 according to a request from the terminal 500 of a user who desires a financial integrated management service And performs the function of allocating each user. The user can access a specific financial institution server 200 and request storage space allocation within a web page provided by the server 200. [ For example, a storage space allocation agreement can be concluded when registering the Internet banking use for the financial institution. At this time, the financial institution server 200 may provide a standardized agreement menu or the like. The storage space is managed by the relay agency server 100 and can be used even if the user connects to another financial institution server in the future. That is, the storage space is not allocated to each financial institution but is preferably allocated to each user. The storage space may be a storage space in the cloud system 101 managed by the relay agency server 100, i.e., a cloud space. In this space, personal identification information for each user can be stored, and financial service information collected by a user's request can be temporarily stored. The specific financial institution server 200 may request the user to consent to personal information collection in order to store the personal identification information in the cloud system 101. [

The personal identification information management unit 120 according to an exemplary embodiment of the present invention receives personal identification information from a user who desires a financial integrated management service, and stores and manages the personal identification information. The user can access the specific financial institution server 200 through the user terminal 500 and then transmit the financial integrated management service request through the interface provided by the specific financial institution server 200. [ At this time, the user can pre-register the personal identification information for accessing the Internet banking of the financial institution he / she is using, that is, the financial institution that wants to collect information. The personal identification information may be transmitted to the relay agency server 100 through the specific financial institution server 200 and the relay agency server 100 may store the information in the cloud space allocated to the user. The personal identification information may be, for example, an ID, a password, a resident registration number, an authorized certificate information, and the like necessary for accessing the Internet banking of each financial institution. Such information can be encrypted and stored with a private key, respectively. As the personal identification information for accessing the Internet banking of the financial institution in use is stored in the accessible cloud space at anytime and anywhere, the user can store such information in a storage medium such as a separate medium Media, etc.). Also, by storing each piece of information in a cryptosystem via a private key, encryption can be achieved over all intervals associated with the transmission of the information.

In the above description, the personal identification information is transmitted to the relay agency server 100 through the user terminal 500 and the specific financial institution server 200. However, the personal identification information may be transmitted to the user terminal 500 or the specific financial institution server 100 200 may be skipped and transmitted to the relay agency server 100. That is, the personal identification information may be transmitted to the relay agency server 100 in any manner.

The information inquiry request receiving unit 130 according to an embodiment of the present invention receives an information inquiry request for a financial service of another financial institution from a user connected to the specific financial institution server 200. [ Such a request may be input through the user terminal 500 and transmitted to the relay agency server 100 via the specific financial institution server 200. [

The request information providing unit 140 according to an embodiment of the present invention performs the function of providing the information based on the request of the user received by the information query request receiving unit 130. [ The request information providing unit 140 collects the requested information from the financial institution that is the information collection target requested by the user, and provides the collected information to the user. Items subject to financial service information inquiry to a financial institution (for example, a bank, a financial investment company, an insurance company, a credit card company, etc.) from a user connected to the specific financial institution server 200 include real account and virtual account balance information, Such as, but not limited to, information, point information, mileage information, retirement pension information, and Internet bills (utility bill bills).

As shown in FIG. 2, the request information providing unit 140 may include a first scheme information collection unit 141 and a second scheme information collection unit 142.

The first method information collecting unit 141 collects information from the institution in the first method when the financial institution to be collected of the request information is an institution participating in the financial integrated management service. That is, the first scheme information collection unit 141 collects information requested by the user from the first information provider server 300. The collection of the first method may be the collection of information in the specialized exchange method through the second communication network 700, that is, the financial common network. For example, it is possible to request the first information providing agency server 300 with necessary information in a specialized exchange manner, to temporarily store the received information in the cloud system 101 and then to provide the information to the user terminal 500 have.

On the other hand, when the collection target financial institution of the request information is a non-participating organization in the financial integrated management service, the second way information collecting unit 142 collects information from the relevant organization in the second way. That is, the second scheme information collection unit 142 collects information requested by the user from the second information provider server 400. [ The collection of the second scheme is performed by accessing the second information provider server 400 through the first communication network 600, i.e., the Internet, collecting necessary information in a screen scraping manner, 101, and then provide it to the user terminal 500. Information collection in a screen scraping manner can be done through the screen scraping system 102 managed by the relay agency server 100.

Since the collected information is stored in the cloud system 101, the user can inquire the relevant information anytime and anywhere through various media such as a plurality of terminals 500, for example, a personal computer, a smart phone, a tablet PC, . That is, an N screen (N screen) can be realized. On the other hand, the user can access the specific financial institution server 200 in this manner to inquire information on financial services of other financial institutions on a time basis, daily inquiry, and real time inquiry.

In addition, the request information providing unit 140 according to the embodiment of the present invention provides the information requested by the user, and when there is an additional information inquiry request from the user, the request information providing unit 140 compares the contents temporarily stored in the cloud system 101 Only the contents may be collected from the first information providing agency server 300 or the second information providing agency server 400. That is, it is possible to minimize the amount of traffic generated by using already collected information of the information requested from the user, and collecting only necessary additional information.

Hereinafter, a user terminal 500 according to an embodiment of the present invention will be described.

User terminal

3 is a diagram illustrating a configuration of a user terminal according to an embodiment of the present invention.

Referring to FIG. 3, the user terminal 500 may include an information inquiry request transmitting unit 510 and a display unit 520.

The information inquiry request transmission unit 510 according to an exemplary embodiment of the present invention transmits a financial service information inquiry request to another financial institution, which is input from a user, to the relay agency server 100 through a specific financial institution server 200. [

The user can access the specific financial institution server 200 through the terminal 500 to inquire about his or her own account existing in the relevant financial institution and receive the inquiry through the interface provided by the financial institution server 200 Request financial service information inquiry to the financial institution.

For example, the user can access the specific financial institution server 200 and request the transfer of funds to the account held by the other financial institution. After the transfer of the funds is completed, the user requests the information inquiry about the account of the other financial institution to the specific financial institution And can be connected to the server 200.

The display unit 520 according to an exemplary embodiment of the present invention performs a function of receiving information collected by the relay agency server 100 according to a user's request for inquiring financial service information and outputting the information. The display unit 520 may be implemented as a display unit included in a typical user terminal 500.

According to the embodiment of the present invention, the relay agency server collects the information requested by the user through the professional exchange system or the screen scraping system and provides the collected information to the user terminal, so that the user terminal itself has a separate program for information collection You do not have to do.

Hereinafter, a description will be made of a process of inquiring an account for receipt of money after transfer of money to another account of the same person as an example of financial integrated management service according to an embodiment of the present invention.

Others  Account Tracking Process

4 is a diagram for explaining the process of directly inquiring the account for receipt after transfer of the account of the same person on another account.

Referring to FIG. 4, a user accesses a specific financial institution server 200 corresponding to a bank of a remittance account through a user terminal 500. The user can request the transfer to the other account through the web page provided by the specific financial institution server 200 (S410). The transfer request is transmitted to the target institution server 300 of the receipt account through the relay agency server 100 (S420). In FIG. 4, the receiving account institution is exemplified as the first information providing agency server 300, which is an organization participating in the financial integrated management service of the present invention, but may be replaced with the second information providing agency server 400 which is a nonparticipating institution. The receiving account institution server 300 transmits the money transfer result to the specific financial institution server 200 accessed by the user through the intermediation institution server 100 in operation S430 and transmits the transfer result information to the user terminal 500 (S440).

If the receipt account is the account of the user, the user can request information inquiry about the account. First, the balance inquiry request for the account receivable can be transmitted to the specific financial institution server 200 currently connected through the user terminal 500 (S450). The specific financial institution server 200 transmits the request to the relay agency server 100 (S460), and the relay agency server 100 can confirm the transfer transaction details itself (S470). The relay agency server 100 relays the other transfer, so that the relaying details remain so that the transfer transaction details can be confirmed by itself. The intermediary institution server 100 may request the receipt account institution server 300 to inquire a balance (S480). At this time, the user can log in to the receiving account institution server 300 through the personal identification information of the user stored in advance in the cloud system 101 (see FIG. 1).

The receipt account server 300 receiving the balance inquiry request transmits the information corresponding to the balance inquiry request, that is, the transaction details or the balance information, to the relay agency server 100 (S490) Stores it temporarily in the cloud system 101 (see FIG. 1), and transmits it to the user terminal 500 through the specific financial institution server 200 (S490) (S500).

In step S480, the relay agency server 100 may use the professional exchange method when requesting information to the receiving account institution server 300. [ However, if the receiving account institution is an organization not participating in the financial integrated management service according to the embodiment of the present invention, the relay agency server 100 may collect information from a server of the corresponding financial institution through a screen scraping method.

The embodiments of the present invention described above can be implemented in the form of program instructions that can be executed through various computer components and recorded on a computer-readable recording medium. The computer-readable recording medium may include program commands, data files, data structures, and the like, alone or in combination. The program instructions recorded on the computer-readable recording medium may be those specially designed and constructed for the present invention or may be those known and used by those skilled in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those generated by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules for performing the processing according to the present invention, and vice versa.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, Those skilled in the art will appreciate that various modifications, additions and substitutions are possible, without departing from the scope and spirit of the invention as disclosed in the accompanying claims.

Therefore, the spirit of the present invention should not be construed as being limited to the above-described embodiments, and all of the equivalents or equivalents of the claims, as well as the following claims, I will say.

100: relay agency server
200: user access authority server
300: first information providing agency server
400: second information providing agency server
500: User terminal
600: First communication network
700: Second communication network

Claims (17)

A method for a relay agency server to manage integrated financial services,
Receiving a financial service information inquiry request from a specific financial institution server for a financial institution inputted from a user terminal through an interface provided by a specific financial institution server;
Accessing a server of the other financial institution using user identification information stored in a storage space of a user for the information inquiry request among the storage spaces allocated to each user in the cloud system according to the request; And
Collecting the requested information from the other financial institution server, collecting only information other than the contents temporarily stored in the storage space of the user in the cloud system, temporarily storing the information in the storage space of the user, To the user terminal,
Wherein the personal identification information is encrypted and stored and utilized with a private key. The method according to claim 1,
Wherein information collection from other financial institution servers is performed by a specialized exchange method or a screen scraping method. 3. The method of claim 2,
Wherein the specialized exchange method is performed through a financial joint network, and the screen scraping method is performed through the Internet. delete delete delete delete An information inquiry request receiving unit receiving a financial service information inquiry request from another financial institution inputted from a user terminal through an interface provided by a specific financial institution server from the specific financial institution server; And
Accessing the server of another financial institution using user identification information stored in a storage space of one user among the storage spaces allocated to each user in the cloud system, collecting the requested information, And a request information providing unit for collecting only information other than contents temporarily stored in the storage space of the user in the system, temporarily storing the information in the user's storage space, and transmitting the collected information to the user terminal through the specific financial institution server,
Wherein the personal identification information is encrypted and stored and utilized with a private key. 9. The method of claim 8,
The request information providing unit,
Financial service integrated management system that collects information from other financial institution servers through professional exchange method or screen scraping method. 10. The method of claim 9,
Wherein the specialized exchange method is performed through a financial joint network, and the screen scraping method is performed through the Internet. delete delete delete delete delete delete A computer-readable recording medium for recording a computer program for executing the method according to any one of claims 1 to 3.

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