KR101848143B1 - Method and system for managing total financial information - Google Patents

Abstract

A method for integrally managing financial information includes the steps of a user device transmitting personal information and personal financial information to a plurality of financial service servers, a plurality of financial service servers transmitting personal information and member financial information, A step of setting a financial information to be provided to the user apparatus through a plurality of financial service servers, a step of requesting application of the integrated financial information providing service to a plurality of financial service servers by a user apparatus, The apparatus completing the application based on the authentication procedure through the authentication server and notifying the plurality of financial service servers of the completion of the application and the integrated financial information providing server receiving a plurality of financial information from each of the plurality of financial service servers, A plurality of financial information is transferred to the user device as integrated financial information And transmitting the data.

Description

METHOD AND SYSTEM FOR INTEGRATING MANAGEMENT OF FINANCIAL INFORMATION [0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and system for managing integrated user information, and more particularly, to a method and system for managing financial information in an integrated manner.

Since the mid-1990s, the Internet has emerged as one of the new online channels, and research on the Internet channel has become active. With the emergence and rapid spread of the Internet, a wide range of innovative changes have taken place from individual lifestyles to networked delivery channels in the industry. The Internet, which has emerged since the 1990s, is developing as a new financial service channel. The Internet banking service customers based on the development of the Internet are continuously increasing.

Specifically, as the development of the Internet and the smart phone, the banking service is performed based on the application, thereby greatly reducing the transaction cost and providing the financial service without time and space constraints.

As the financial market changes, financial institutions are dealing with various information of customers and pay attention to coping with accidents of customer information leakage. However, as non-face-to-face e-commerce using the Internet becomes more active, interest in security is increasing. In electronic financial services, it is not a problem for face-to-face transactions, but for non-face-to-face transactions, both directions can not be verified, and there is a high possibility of a change in the transaction history. Security, such as availability, integrity, confidentiality, and authentication and non-repudiation, should be considered.

KR 10-2009-0044244

One aspect of the present invention provides a method for integrally managing financial information.

Another aspect of the present invention provides a system for managing financial information in an integrated manner.

According to an aspect of the present invention, there is provided a method for integrally managing financial information, the method comprising: transmitting a personal information and personal financial information to a plurality of financial service servers by a user device; Performing a member information matching process and a member information update procedure based on the information, setting the financial information that the user device desires to receive through the plurality of financial service servers, integrating the plurality of financial service servers into a user device Requesting application of the financial information providing service and completing the application based on the authentication procedure through the authentication server by the user apparatus and informing the plurality of financial service servers of the completion of the application, A plurality of financial institutions And transmitting the plurality of financial information to the user device as integrated financial information.

Meanwhile, a method for integrally managing financial information may include receiving an authentication request message for a user from one of the plurality of financial service servers, receiving the authentication request message for the user from the one financial service server, Transmitting the information on the authentication procedure to the integrated financial information providing server and transmitting the information on the authentication procedure to the user equipment as the integrated financial information, .

A method for integrally managing financial information includes receiving a first authentication request message for a user from one of the plurality of financial service servers and requesting an authentication procedure to the integrated financial information providing server, The integrated financial information providing server transmits a second authentication request message to the user device, and the user device transmits a second authentication response message to the integrated financial information providing server in response to the second authentication request message Determining whether the integrated financial information providing server has succeeded in authentication based on the second authentication request message and transmitting the authentication success to the one financial service server; The financial service server of the financial service server transmits a first authentication completion message to the user device It may include a system.

In addition, the range of the integrated financial information provided by the integrated financial information providing server may be adaptively determined according to the user in consideration of whether the user has checked the existing integrated financial information.

In addition, if the range of the integrated financial information provided by the integrated financial information providing server is adaptively set according to the category of the integrated financial information, the category is general integrated financial information, and x information is not received, Wherein the range of the integrated financial information is adjusted when the range of the integrated financial information is adjusted and the category is the specific integrated financial information and y information is not received, y is larger than x, Information related to a financial event that does not affect a user's credit rating, and the integrated financial information may be information related to a financial event that affects the credit rating.

According to another aspect of the present invention, there is provided a system for managing financial information in an integrated manner, the system comprising: a server for transmitting personal information and personal financial information to a plurality of financial service servers, setting financial information to be provided through the plurality of financial service servers, A user device configured to complete the application of the integrated financial information providing service based on the authentication procedure through the authentication server and to notify the plurality of financial service servers of the completion of the application based on the personal information and the personal financial information, Perform information matching and membership information update procedures. A plurality of financial service servers configured to request the application of the integrated financial information providing service to a user device, and a plurality of financial information receiving units for receiving a plurality of financial information from each of the plurality of financial service servers, And an integrated financial information providing server configured to transmit the information as integrated financial information to the user apparatus.

Meanwhile, one of the plurality of financial service servers receives an authentication request message for a user, performs an authentication procedure based on the authentication request message, and transmits information on the authentication procedure to the integrated financial information providing server And the integrated financial information providing server may be configured to transmit information on the authentication procedure to the user device as the integrated financial information.

In addition, one of the plurality of financial service servers may be configured to receive a first authentication request message for a user and request an authentication procedure to the integrated financial information providing server, And transmit the second authentication response message to the integrated financial information providing server in response to the second authentication request message, wherein the integrated authentication information providing server transmits the second authentication request message to the integrated financial information providing server, Wherein the server is configured to determine whether the authentication is successful based on the second authentication request message and to transmit the authentication success or failure to the one financial service server when the authentication is successful, And transmit the first authentication completion message to the user device .

In addition, the range of the integrated financial information provided by the integrated financial information providing server may be adaptively determined according to the user in consideration of whether the user has checked the existing integrated financial information.

In addition, if the range of the integrated financial information provided by the integrated financial information providing server is adaptively set according to the category of the integrated financial information, the category is general integrated financial information, and x information is not received, Wherein the range of the integrated financial information is adjusted when the range of the integrated financial information is adjusted and the category is the specific integrated financial information and y information is not received, y is larger than x, Information related to a financial event that does not affect a user's credit rating, and the integrated financial information may be information related to a financial event that affects the credit rating.

The method and system for managing financial information according to an embodiment of the present invention can integrate and manage financial information of a user so that a user can more conveniently receive financial information generated by a user through a single application.

1 is a conceptual diagram illustrating a financial service system for providing integrated financial information according to an embodiment of the present invention.
2 is a conceptual diagram illustrating a membership procedure of a user apparatus according to an embodiment of the present invention.
3 is a conceptual diagram illustrating an integrated financial information providing procedure according to an embodiment of the present invention.
4 is a conceptual diagram illustrating an integrated financial information providing procedure according to an embodiment of the present invention.
5 is a conceptual diagram illustrating an operation of an integrated financial information application according to an embodiment of the present invention.
FIG. 6 is a conceptual diagram illustrating an operation of an integrated financial information application according to an embodiment of the present invention.
7 is a conceptual diagram illustrating an asset management method based on an integrated financial information application 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 more detail with reference to the drawings.

In the embodiment of the present invention, financial information (e.g., financial information) generated by an event of a user in each of a plurality of banks, a communication company, a credit card company, and a public institution based on a network with a plurality of bank servers, a communication company server, a card company server, For example, in-account deposit / withdrawal information, settlement information, etc.).

Hereinafter, in the embodiment of the present invention, a server providing financial related services such as a plurality of bank servers, a communication company server, a card company server, and a public institution server is represented by a financial service server.

1 is a conceptual diagram illustrating a financial service system for providing integrated financial information according to an embodiment of the present invention.

FIG. 1 illustrates a financial service system for integrally managing financial information related to a plurality of financial service servers based on a user device of a user.

Referring to FIG. 1, the financial service system may include a user device 100, an integrated financial information providing server 120, a financial service server 140, and an authentication server 160.

The integrated financial information providing server 120 may provide the integrated financial information application for the integrated financial information providing service to the user device and provide the integrated financial information to the user through the integrated financial information application.

When a user has undergone a membership registration procedure with a plurality of financial service servers 140 through an integrated financial information application installed in the user device 100, the integrated financial information providing server 120 may provide a plurality of financial service servers (E.g., account information, settlement information, etc.) provided to the respective users 140 through the integrated financial information application. A plurality of financial service information related to a plurality of financial service servers 140 provided by the integrated financial information providing server 120 may be expressed by the term integrated financial information.

The user device 100 receives and installs an integrated financial information application from the integrated financial information providing server 120 and performs a membership registration procedure with a plurality of financial service servers 140 based on the integrated financial information application for the integrated financial service can do. A membership registration procedure with a plurality of financial service servers 140 may be performed separately from a plurality of financial service servers, but a single membership registration procedure based on an integrated financial information application may be performed for a plurality of financial service servers 140 It may be valid.

The user device 100 may transmit personal information and personal financial information to the financial service server 140 for the membership procedure. For example, the personal information may include information such as a mobile phone number, a name, a date of birth, an e-mail address, and the like, and the personal financial information may include financial service server information, account information, and the like. The financial service server 140 may perform member information matching, member information update procedure, and notification target account setting procedure based on personal information and personal financial information.

When the membership process by the user device 100 is completed, the financial service server 140 may provide the integrated financial information to the user device 100 through the integrated financial information application. For example, when the account of the user who has completed the membership registration process is changed, the financial service server 140 transmits the user account change information to the integrated financial information application through the integrated financial information application installed in the user device 100 of the user As shown in FIG.

The authentication server 160 may be implemented to perform an authentication procedure for applying the integrated financial information providing service among the membership subscription procedures by the user apparatus. The membership subscription procedure may be completed based on an additional personal authentication procedure for applying for the integrated financial information providing service after the member information matching of the financial service server 140, the member information update procedure, and the notification account setting procedure. For example, the authentication server 160 may be a communication company server, and the user may complete the membership process by performing an authentication procedure based on the authentication information transmitted to the user device through the communication company server.

Hereinafter, the membership process of the specific user device is started.

2 is a conceptual diagram illustrating a membership procedure of a user apparatus according to an embodiment of the present invention.

2, a user registration process based on an integrated financial information application for providing integrated financial information is started.

Referring to FIG. 2, a user device may transmit personal information and personal financial information for a membership registration procedure (step S200).

For example, the personal information may include information such as a mobile phone number, a name, a date of birth, an e-mail address, and the like, and the personal financial information may include financial service server information, account information, and the like.

The financial service server can perform member information matching and member information update procedures based on personal information and personal financial information (step S210).

The financial service server can compare the personal information of the user received from the user device and the personal financial information with the existing user information stored in the database. If the user is already subscribed to the financial service, existing user information may be stored in the database of the financial service server. The financial service server receives the personal information and the personal financial information from the user device and confirms the authenticity of the user requesting the membership through the matching process with the existing user information. If the authenticity of the user is confirmed based on the matching procedure, the financial service server can update the existing user information based on the newly received personal information.

The user equipment can set financial information to be provided through the financial service server (step S220).

For example, the user device can select whether to provide account change information for an account among a plurality of accounts opened at a specific bank by a user as integrated financial information.

The financial service server may request the application of the integrated financial information providing service to the user device (step S230).

An application for an integrated financial information providing service by a user separately may be performed together with the membership process. For example, in the membership registration procedure, the financial service server may request the application of the integrated financial information providing service for a specific account to the user device. The user device can complete the application for the integrated financial information providing service through an authentication procedure based on a separate authentication server.

The user device performs the authentication procedure through the authentication server (step S240).

The user equipment can perform the authentication procedure through the authentication server (for example, the communication company server) for the application of the integrated financial information providing service. When the authentication procedure through the authentication server is completed, the application for the integrated financial information providing service can be completed.

If the authentication procedure is successful, the user equipment can inform the financial service server of the completion of the application for the integrated financial information providing service (step S250).

The user's membership process is completed (step S260).

The user's membership process is completed by notifying completion of the application for the integrated financial information providing service, and the user device can receive the integrated financial information from the financial service server. The integrated financial information may be provided directly to the user equipment from the financial service server, but the integrated financial information providing server may receive financial information from a plurality of financial service servers and transmit the received financial information to the user device as integrated financial information .

That is, the user device transmits personal information and personal financial information to a plurality of financial service servers. A plurality of financial service servers performing membership information matching and membership information update procedures based on personal information and personal financial information, setting financial information that a user device desires to receive through a plurality of financial service servers, The step of the financial service server requesting the application of the integrated financial information providing service to the user device and the step of completing the application based on the authentication procedure through the authentication server and informing the plurality of financial service servers of the completion of the application A method of integrally managing financial information based on a step of receiving a plurality of financial information from each of a plurality of financial service servers and transmitting a plurality of financial information to the user device as integrated financial information may be performed have.

3 is a conceptual diagram illustrating an integrated financial information providing procedure according to an embodiment of the present invention.

In FIG. 3, when a financial event occurs in the financial service server 340, the method of providing integrated financial information through the integrated financial information providing server 320 is disclosed. 3, when the user authentication process is performed for the specific financial event in the financial service server 340, the integrated financial information providing server 320 provides information indicating that the user authentication process has been performed as integrated financial information / RTI >

The user can perform the authentication procedure with the financial service server 340. For example, the user can request authentication to the financial service server 340 for a specific financial event (or to receive a financial service), the financial service server 340 performs an authentication procedure for the authentication request of the user It is possible to judge whether or not the authentication is successful.

If the authentication procedure is performed by the financial service server 340 and the user is a member who subscribes to the integrated financial information providing service by the procedure described above with reference to FIG. 2, the financial service server 340 transmits the integrated financial information providing server 320 ) To transmit the authentication procedure performing information of the user.

The integrated financial information providing server 320 receiving the authentication procedure execution information from the financial service server 340 may transmit an authentication procedure execution message including user authentication procedure execution information to the user device 300. [ The message may be delivered via short message service (SMS), application push (PUSH), or automatic response service (ARS). The user can confirm the authentication procedure execution message 350 transmitted to the user device 300 through the integrated financial information application.

The authentication procedure performing information disclosed in FIG. 3 is one example of the integrated financial information. When a user receives various financial services through the financial service server 340, information related to various financial services can be provided through the user device 300 as integrated financial information.

4 is a conceptual diagram illustrating an integrated financial information providing procedure according to an embodiment of the present invention.

FIG. 4 illustrates a method of providing integrated financial information through an integrated financial information providing server when a financial event occurs in a financial service server in which a membership registration procedure is completed. In particular, FIG. 4 discloses a method for performing an authentication procedure between a user equipment and a financial service server as well as between a user equipment and an integrated financial information providing server.

The user can perform the first authentication procedure with the financial service server. For example, a user may send a first authentication request message 400 to a financial services server to receive financial services.

When the financial service server receives the authentication request from the user device, the financial service server can inform the user of the authentication attempt to the integrated financial information providing server.

The integrated financial information providing server may proceed with the second authentication procedure with the user through the user apparatus based on the authentication attempt information received from the financial service server. That is, according to the embodiment of the present invention, the first authentication procedure between the user equipment and the financial service server can be completed based on the second authentication procedure between the integrated financial information providing server and the user equipment.

The integrated financial information providing server may transmit the authentication second authentication request message 410 to the user device through a medium such as SMS, APP PUSH, or ARS for the second authentication procedure.

The user device may receive the second authentication request message 410 and may transmit the second authentication response message 420 to the integrated financial information providing server in response to the second authentication request message 410. [

The integrated financial information providing server may receive the second authentication response message 420 and may transmit the second authentication completion message 320 to the financial service server when the authentication is successful. When the financial service server receives the second authentication completion message 320, the financial service server determines that the first authentication process is successful and transmits the first authentication completion message 440 to the user device.

When the above method is used, the integrated financial information providing server can serve as an authentication apparatus.

5 is a conceptual diagram illustrating an operation of an integrated financial information application according to an embodiment of the present invention.

5 illustrates a method of providing financial information to a user device through an integrated financial information application.

Referring to FIG. 5, the integrated financial information providing server may provide the integrated financial information adaptively to the user. The integrated financial information can be adaptively provided through the integrated financial information application based on information that is frequently identified to the user.

For example, a user performs a membership subscription procedure to each of a first financial service server, a second financial service server, and a third financial service server through a user device. The integrated financial information providing server includes a first financial service server, Information related to various financial services received by the user from each of the financial service server and the third financial service server may be transmitted to the user device as integrated financial information.

Hereinafter, the financial service information related to the first financial service server is referred to as first integrated financial information 510, the financial service information related to the second financial service server is referred to as second integrated financial information 520, The service information may be expressed by the term third integrated financial information 513.

The scope of each of the first integrated financial information 510, the second integrated financial information 520 and the third integrated financial information 530 may be adjusted by the setting of the user. For example, the user may select only the specific financial information among the various financial information related to the first financial service server, as the first integrated financial information 510, to receive the integrated financial information providing server and the integrated financial information Can be performed.

Also, according to the embodiment of the present invention, the integrated financial information providing server may adaptively set the integrated financial information to be provided through the user device, considering whether the user confirms the existing integrated financial information, . Specifically, the integrated financial information providing server may set the integrated financial information to be transmitted based on the integrated financial information application, considering whether the integrated financial information related to the user's specific financial service is confirmed or not.

For example, when the user pays the insurance premium, the first financial service server, which is a bank server, provides the payment history of insurance premiums to the user as first integrated financial information 510, It is possible to provide the details of the deposit of the insurance premium to the user as the second integrated financial information 520. The first integrated financial information 510 and the second integrated financial information 520 are integrated financial information generated by the same event. Accordingly, the user can confirm only the integrated financial information of one of the first integrated financial information 510 or the second integrated financial information 520. In this case, the integrated financial information providing server provides only the information confirmed by the user as integrated financial information, and the information not confirmed by the user is determined as information that is not important to the user, have. The setup procedure for such integrated financial information may be performed when the user does not confirm the specific integrated financial information more than the designated number of times. The set number of times may be different depending on the nature of the integrated financial information. For example, it is general integrated financial information related to the basic deposit and withdrawal history, information that partial payment is not possible due to insufficient balance that may cause a problem in the user's credit rating, loan information of a certain amount or more, Specific unified financial information such as withdrawal information and the like may be specific unified financial information. The number of times specified in the specific integrated financial information for the non-provision of the integrated financial information may be larger than the number of times set in the general integrated financial information for the non-provision of the integrated financial information.

That is, the range of the integrated financial information provided by the integrated financial information providing server may be adaptively set according to the category of the integrated financial information. If the category is general integrated financial information and x information is not received, the scope of the integrated financial information may be adjusted, the category may be uniquely integrated financial information, and the information may not be received. At this time, y may be a value larger than x. The general integrated financial information is information related to a financial event that does not affect the user's credit rating, and the specific integrated financial information may be information related to a financial event that affects a user's credit rating.

Alternatively, the user may request the user to confirm the integrated financial information that has not been confirmed by the user, and then request the user to decide whether or not to be provided as integrated financial information. If the user decides not to be offered as aggregate financial information, then the information may not be subsequently provided as aggregate financial information.

FIG. 6 is a conceptual diagram illustrating an operation of an integrated financial information application according to an embodiment of the present invention.

FIG. 6 shows a method for setting a plurality of financial service servers in the integrated financial information application.

Referring to FIG. 6, the configuration on the user interface of the integrated financial information application may be changed so that a financial event generated by a financial service server in which a user has a lot of financial events can be checked first.

For example, the user performs a membership registration procedure with the first financial service server, the second financial service server, and the third financial service server, and the first financial service server, the second financial service server, 3 Integrated financial information can be provided from each financial service server.

When the user's main bank and the first financial service server correspond to each other and the event generated by the first financial service server is relatively largest, the event generated by the first financial service server in the user interface of the integrated financial information application The position of the icon corresponding to the first financial service server can be adjusted to the top in order to check first.

Alternatively, according to another embodiment of the present invention, on the basis of the event that occurred most recently among the first financial service server, the second financial service server, and the third financial service server in time series of event occurrence, , The second financial service server, and the third financial service server, respectively.

Also, according to the embodiment of the present invention, an alarm can be given to the user in different ways according to the nature of the integrated financial information. For example, related to the basic deposit and withdrawal history can be transmitted to the user as general integrated financial information. However, the specific integrated financial information such as information that the payment is partially incomplete due to lack of balance, loan information of a certain amount or more, withdrawal information of a non-periodic setting amount, and the like can be informed to the user through a different alarm than general integrated financial information. For example, the specific integrated financial information may have a different color / method / frequency of alarms through the integrated financial information application. The specific integrated financial information can be determined differently according to the user's individual financial information such as the account balance of the user, the credit rating of the user, the current lending of the user, and the like.

7 is a conceptual diagram illustrating an asset management method based on an integrated financial information application according to an embodiment of the present invention.

7 illustrates an asset management method in which a plurality of pieces of bank information are integrated in an integrated financial information application.

Referring to FIG. 7, the integrated financial information application can integrally manage events generated from a plurality of financial service servers. Accordingly, the integrated financial information application can manage the user's assets by integrating them in consideration of the financial information of the user related to the plurality of financial service servers and the event information generated in the plurality of financial service servers.

For example, when the financial service server in which the user is a member is a first financial service server (bank server), a second financial service server (annuity product server) and a third financial service server (securities company server) The financial service server to the third financial service server may be integrated to provide information on the current total assets of the user.

That is, when a certain amount of money is withdrawn from the bank server and transferred to the pension commodity server, when a certain amount of money is withdrawn from the bank server and is transferred to the securities account, when a certain amount of money is withdrawn from the securities company server and transferred to the bank server There may be no change in total assets. However, if an increase in the user's stock settlement amount or an inflow of funds from the outside occurs, the user's total assets may be increased.

Through this integrated expenditure management, the user can confirm the increase / decrease of his / her total financial assets at once without any additional calculation.

Such a method for integrally managing financial information may be implemented in an application or implemented in the form of program instructions that can be executed through various computer components and recorded in 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 configured for the present invention and may be those known and used by those skilled in the computer software arts.

Examples of computer-readable 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 will be understood by those skilled in the art that various changes and modifications may be made therein without departing from the spirit and scope of the invention as defined in the appended claims. It will be possible.

Claims (10)

The way to manage financial information in an integrated way,
The user device transmitting personal information and personal financial information to a plurality of financial service servers;
Performing a member information matching and membership information update procedure based on the personal information and the personal financial information;
Setting financial information that the user device desires to receive through the plurality of financial service servers;
The plurality of financial service servers requesting a user equipment for an integrated financial information providing service;
The user device completing the application based on the authentication procedure through the authentication server and notifying the plurality of financial service servers of the completion of the application; And
Wherein the integrated financial information providing server receives a plurality of financial information from each of the plurality of financial service servers and transmits the plurality of financial information to the user device as integrated financial information,
Wherein the range of the integrated financial information provided by the integrated financial information providing server is adaptively set according to the category of the integrated financial information,
If the category is general integrated financial information and x information is not received, the range of the integrated financial information is adjusted,
When the category is the specific integrated financial information and the y-th information is not received, the range of the integrated financial information is adjusted,
Y is greater than x,
The general integrated financial information is information related to a financial event that does not affect the credit rating of the user,
Wherein the integrated financial information is information related to a financial event that affects the credit rating. delete delete delete delete delete delete delete delete delete

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