KR102054812B1 - System and method for managing personal information based on private finanacial code - Google Patents

Abstract

The present invention discloses a system for managing personal information. More specifically, the present invention relates to the system providing financial identification code, which is private and unique identification means for natural and juridical person, who becomes a subject of a financial transaction, and managing personal information using the same. According to an embodiment of the present invention, by issuing the financial identification code, which is the unique identification means for subject of the financial transaction, and replacing the issued financial identification code, which is not exposed to the outside when a financial transaction having the subject as a person directly involved occurs to store and manage the issued financial identification code, the subject of the financial transaction may not be identified even if information is leaked, thereby enabling more safe personal information management.

Description

System and method for personal information management based on financial identification code {SYSTEM AND METHOD FOR MANAGING PERSONAL INFORMATION BASED ON PRIVATE FINANACIAL CODE}

The present invention relates to a personal information management system, and more particularly, to a system for assigning a financial identification code, which is a private means of identification, to a subject that is a subject of a financial transaction, such as an individual, a corporation, and managing personal information using the same.

In modern society, financial transactions must identify and proceed with personal information on the basis of personal information, so that the personal information is tangible and intangible goods in the service providers of financial transactions, i.e. financial institutions such as banks, or many other fields. Service providers, such as telecommunication service providers, long-term rental companies of water purifiers or printers, must secure personal information about the parties in advance, and store the transaction details for the transactions that occur.

For example, in order for an individual or a corporation to perform online-based financial transactions, a real name verification and an account may be provided to a financial institution such as a bank by providing personal information such as name or corporation name, social security number or corporation number, address, and contact information. As a result, the financial institution stores the personal information provided in its own database.

Thereafter, when an individual or a corporation wants to transfer funds from one account to another account, the individual authenticates that the owner of the account is his / her own through an authentication method such as an accredited certificate, and performs the transfer by specifying a target.

Therefore, each financial institution should have personal information that is very sensitive to individuals or companies, such as name and social security number, as well as accounts for the subjects of financial transactions, and according to the security policy operated by financial institutions in accordance with related laws. Information is managed.

However, accidents such as personal information leakage occur frequently due to leaks generated from outside hackers or financial institutions, and there is a limit to the risk of leakage even if any security policy is applied.

In addition, employees or counterparties within the responding financial institution may directly or indirectly grasp detailed personal information of a specific person, and may be abused. In other words, even if the personal information is agreed with the transaction party, there is a limit that the personal information is exposed due to the specific party.

Registered Patent Publication No. 10-0982253 (Announcement Date: September 15, 2010)

The present invention has been made to overcome the above limitations, the present invention proposes a 'financial identification code' that can identify the subject, such as individuals or corporations in financial transactions, and the financial transaction details collected through this There is a problem to provide a new concept system that can prevent the exposure of personal information by the storage and management.

In addition, the present invention provides a personal information management system and method that collects and databases the transaction information generated based on the financial identification code so that each individual or corporation can utilize it to derive meaningful information according to its financial transaction details. There are other challenges.

In order to solve the above-mentioned problems, the financial identification code-based personal information management system according to a preferred embodiment of the present invention, issuing a financial identification code for a plurality of users, the user registered with the financial identification code is generated as a transaction subject Collecting a plurality of financial transaction details from at least one financial institution server, and storing the financial transaction code and a data collection server for generating a financial transaction code by linking and encoding the financial transaction details using the financial identification code as an identifier. And a database server, wherein the data collection server may search for and extract a plurality of financial transaction codes stored in the database server through the financial identification code.

The data collection server performs a procedure of generating a financial account according to a user's request for membership, and generates and assigns a unique financial identification code to a member registered user and a member registered user to perform a login procedure using the financial account. And a financial identification code manager for matching a financial identification code associated with the financial account, a member information database for storing member information including the financial identification code for each financial account, and the financial transaction generated in real time from the financial institution server. A transaction information collecting unit for collecting the details, a transaction subject determining unit for determining a financial identification code of a trading subject of each financial transaction history by using party information included in the collected financial transaction details, and encoding the financial transaction details; The financial transaction code is combined with a financial identification code to generate the financial transaction code, and the generated financial transaction code is It may include a financial transaction registration code provided by the server's.

The transaction information collecting unit may collect the financial transaction details from a financial institution server in which financial transaction details are provided based on a personal information provision agreement submitted by a user.

The data collection server is based on the financial institution register and the personal information provision agreement submitted by the user to register the financial institution server of the at least one financial institution, the financial transaction history of the user defined in the registered financial institution server It may include a transaction information request unit for requesting the provision of.

At the request of the user terminal, the database server is searched through the identified user's financial identification code to extract one or more financial transaction codes of which the user is a trading subject, and the records are returned to the user terminal after processing. The request unit may further include.

In addition, the financial identification code-based personal information management method according to an embodiment of another aspect of the present invention for solving the above-described problems, as a financial identification code-based personal information management method by the data collection server, the user request for membership Performing a user account creation procedure and a login procedure using a financial account, generating and assigning a unique financial identification code for a registered user, and matching a financial identification code associated with the financial account; Storing the member information including the financial identification code for each financial account, collecting the financial transaction history generated in real time from the financial institution server, and using each party's information included in the collected financial transaction history. Determining a financial identification code of a transaction subject, encoding the financial transaction details, and the financial identification code And a step of generating a financial transaction code and providing the generated financial transaction code to a database server.

Collecting the financial transaction history generated in real time from the financial institution server, collecting the financial transaction history from the financial institution server, the financial transaction history providing function is preset based on the personal information provision agreement submitted by the user Can be.

Collecting the financial transaction history generated in real time from the financial institution server, the step of registering the financial institution server of the financial institution defined by the personal information provision agreement submitted by the user and the user in the registered financial institution server It may include the step of requesting the provision of the financial transaction history.

After providing the generated financial transaction code to the database server, at the request of the user terminal, at least one financing to search the database server via the identified user's financial identification code as a transaction subject The method may include extracting a transaction code and returning the extracted financial transaction code to the user terminal after processing.

According to an embodiment of the present invention, by issuing a financial identification code, which is the only means of identification for the financial transaction subject, and storing and managing it by replacing it with an issued financial identification code that is not exposed to the outside when a financial transaction occurs as a subject. However, even if the information is leaked, it becomes impossible to identify the transaction subject, thereby enabling safer personal information management.

In addition, according to an embodiment of the present invention, by collecting and database the financial transaction details based on the financial identification code, it is possible to build a data that can be used by individuals or corporations to derive meaningful information according to their financial transaction details It has an effect.

In addition, the system operating side can accurately calculate statistics for a specific classification without specifying a person based on the financial identification code.

1 is a view showing the overall structure of a financial identification code-based personal information management system according to an embodiment of the present invention.
2 is a view showing the structure of a data collection server of a financial identification code based personal information management system according to a first embodiment of the present invention.
3 is a diagram showing the structure of a data collection server of a financial identification code based personal information management system according to a second embodiment of the present invention.
4 is a view showing the structure of a database server of the financial identification code-based personal information management system according to an embodiment of the present invention.
5 is a view showing a personal information management method according to an embodiment of the present invention.
6A and 6B are diagrams illustrating a work process for implementing a financial identification code based personal information management method according to the first and second embodiments of the present invention, respectively.

Prior to the description, when any part of the specification to "include" or "include" any component, unless otherwise stated, it may further include other components, not to exclude other components. It means to be. In addition, terms such as "unit", "... module", "... device" described in the specification mean a unit that processes at least one function or operation. And may be implemented in hardware, software, or a combination of hardware and software.

In addition, the term "embodiment" herein is meant to serve as an example, example or illustration, but the subject matter of the invention is not limited by such an example. In addition, "comprising", "comprising", "having" and other similar terms are used, but as used in the claims do not exclude any additional or other components as "transition word." It is used generically in a manner similar to the term Comprising.

The various techniques described herein may be implemented with hardware or software, or where appropriate, with a combination of both. As used herein, the terms "... Unit", "... Module", "... System", etc., likewise refer to computer-related entities, ie hardware , A combination of hardware and software, software, or software at runtime. In addition, each function driven in the system of the present invention may be configured in a module unit, and may be recorded in one physical memory or distributed and recorded between two or more memories and a recording medium.

Hereinafter, a financial identification code based personal information management system and method according to an embodiment of the present invention will be described with reference to the accompanying drawings.

1 is a view showing the overall structure of a financial identification code-based personal information management system according to an embodiment of the present invention.

Referring to FIG. 1, the personal information management system 100 according to an embodiment of the present invention issues a financial identification code unique to a plurality of users, and collects and provides information on financial transactions generated in association with a user. It is characterized by processing the information based on the issued financial identification code, rather than using an account, name or social security number as the identification means of the user.

To this end, the personal information management system 100 according to the embodiment of the present invention issues a financial identification code for a user, and stores, provides, and processes transaction information on the transaction details that occur, the financial institution server 20 It may include a data collection server 200 for requesting the user to collect transaction information for each user, and a database server 500 for storing the collected transaction information by establishing an association relationship with the financial identification code.

Here, the financial institution server 20 is a server 20 which is operated by financial institutions such as banks, insurance companies and securities companies that perform direct financial transaction procedures in which actual cash, such as transfer of deposits, is used. It is a concept that encompasses servers operated by public agencies that perform expenses-related tasks such as tax offices, tax offices, etc., including individuals who can process financial transactions.

The Financial Code (FC) defined in the present invention refers to a unique identification code issued through the system of the present invention for storing and processing transaction information about an individual or a corporation, and indicates a predetermined hashing function. It can be composed of a combination of numbers and alphabet generated through.

In particular, the aforementioned financial identification code is characterized in that it is not duplicated and managed so as not to be exposed to the outside including the user.

In other words, since the financial identification code is not disclosed to anyone outside, including the user, even if a security problem occurs due to hacking, the financial identification code alone does not automatically identify the user with the personal information security effect. You can expect it.

Hereinafter, the technical idea of the present invention will be described through an aspect in which a user uses a personal management system based on a financial identification code according to an embodiment of the present invention.

Referring to FIG. 1, when a user having an account or a credit card in a financial institution wants to manage information on financial activities such as remittance and payment, and wants to transfer or deposit a foreign currency or a foreign currency to another user, or When a user wants to perform various financial activities such as when purchasing a product through an e-commerce site, a user runs a web browser or a financial management application by using a user terminal 10 including his or her mobile terminal or a PC. The personal information management system 100 is connected through a communication network. In addition, a user account is created and registered by performing a member registration procedure.

At this time, the user approves the submission of the consent for the use of personal information to the personal information management system 100, and sets the personal information management system 100 to share the financial transaction details from each of the contracted financial institutions. To be provided.

In addition, the personal information management system 100 generates and registers a financial identification code which is a unique identification means for the user. Here, the financial security code should be applied with the highest security policy that is not provided to the user.

Then, when the user performs a financial activity such as remittance or purchase of goods through his account or credit card, the financial institution server 20 in charge of the account or credit card processes the transaction process according to the contents and finances. Create a transaction history. The financial transaction history generated at this time is generated and stored based on a Bank User Identifier (BID) registered by the user in the financial institution server 20.

In addition, the generated financial transaction history is provided to the personal information management system 100 in real time at the time of creation.

Accordingly, the data collection server 200 of the personal information management system 100 transmits the collected financial transactions with the financial identification code to the database server 300, but the user account, for example, the data collection server 200 Extract the financial identification code through the Financial User Identifier (FID) assigned to the user, code the financial transaction history, generate a Financial Transaction Code (TC) that combines the financial identification code, and then generate the database server (300). To provide.

Then, when the user wants to utilize his transaction records accumulated in the system for his financial management, etc., he accesses the personal information management system 100 using his user terminal 10, and goes through the authentication procedure. You will be asked to provide a transaction record by logging in.

Accordingly, the data collection server 200 requests a cumulative financial transaction code TC of the user from the database server 500 using the financial identification code FC. The database server 500 identifies and extracts the financial identification code FC through the financial identification code FC and returns the data to the data collection server 200 as a transaction record of the corresponding user. ) May provide a transaction record to the user terminal 10.

On the other hand, the data collection server 200 and the database server 500 can be built not only in the form of a server system directly operated by the operating entity, but also on a cloud system for the operation of computing resources from the outside. Do.

As described above, according to the personal information management system according to an embodiment of the present invention, the financial institution server uses a transaction account (BID) corresponding to the party in the financial transaction, and thus, except for the data collection server 200 It is not possible to identify the transaction subject for any financial transaction details, and even if an information leakage event occurs in any one of the servers of each financial institution, it is only partial information of the individual and is not aggregated transaction information. Since the data cannot be derived, more than a certain level of information protection is possible.

 Hereinafter, the structure of a data collection server of a personal information management system according to an embodiment of the present invention with reference to the drawings in detail.

2 is a view showing the structure of a data collection server of a financial identification code based personal information management system according to a first embodiment of the present invention.

2, the data collection server 200 of the personal information management system according to the first embodiment of the present invention performs the procedure of creating a financial account (FID) in accordance with the user's request to join, the financial account ( The member management unit 210 that performs the login procedure using the FID, generates and assigns a unique financial identification code (FC) to the registered user, and assigns a financial identification code (FC) associated with the financial account (FID). Financial transactions generated in real time from the matching financial identification code management unit 220, the member information DB 230 for storing the member information including the financial identification code (FC) for each financial account (FID), the financial institution server 20 Transaction information collecting unit 260 for collecting the details, the transaction subject determining unit 270 for determining the financial identification code (FC) of the transaction subject of each financial transaction using the information of the parties included in the collected financial transaction history and Code the financial transaction details, and use the financial identification code ( It may include a financial transaction code register unit 280 to generate a financial transaction code (TC) in combination with the FC, and provides the generated financial transaction code (TC) to the database server 500.

The member manager 210 may receive a personal information such as a name, a resident registration number, and the like for the user and process a member login and registration process. In order to use the personal information management system according to an embodiment of the present invention, a user must first generate a first financial account (FID) and receive a financial identification code (FC), and the member management unit 210 first accesses a user terminal ( 10) can receive personal information, membership registration, account creation and login can be performed.

Alternatively, the user may directly visit the operation center of the personal information management system and provide a known personal information for identifying an individual such as a name, a social security number and an address, and receive a financial account.

Here, the financial account name, password, etc. of the registered user can be stored in the member information DB 230, the member manager 210 stores the personal information in the member information DB 230 and the above-described login procedure, etc. Can be done.

In addition, the member management unit 210 agrees to the Terms of Service in the member registration process, the purpose of collecting and using personal information, the items and methods of collecting personal information, the retention and use period of personal information, the destruction procedure of personal information, and Receive comprehensive consent for personal information usage agreement including destruction method, collection of personal information, purpose of use, etc. After that, transaction information collection unit 260 is based on the agreement, each financial institution server 20 You can collect financial transactions from.

Meanwhile, according to the first embodiment of the present invention, a user who wants to use the service of the present invention personalizes his or her financial transaction history to a target person who wants to manage data on his or her financial activities, such as each financial institution or e-commerce company. You should ask the information management system directly. Accordingly, the user terminal 10 is previously submitted to each financial institution server 20, which is a data provider, separately from the system.

The financial identification code management unit 220 may issue a financial identification code FC for the user to whom the financial account FID is assigned, and then use the financial identification code FC to identify any user.

The financial identification code FC is a unique code given to the user, and may be arbitrary text in the form of a combination of numbers, letters, and special characters, and the financial identification code management unit 220 generates such a financial identification code. It may include a predetermined hashing function.

In addition, the financial identification code management unit 220 allows the financial identification code FC to be matched with the financial account FID and stored. In particular, the financial identification code (FC) should be guaranteed to be the only value excluded from the duplication, the financial identification code management unit 220 can verify this exclusion, if there is a duplicate code discards the current code and re-exist The creation procedure can be performed.

The member information DB 230 may store personal information such as a user's name and resident registration number, a financial account (FID) and a financial identification code (FC) in the member information DB 230, and a dual financial account (FID). ) And the financial identification code (FC) have a one-to-one relationship with each other, so that the financial account (FID) can be determined through additional information on the trading entity included in the financial transaction history, and the financial account (FID) The identification code FC can be identified.

The transaction information collecting unit 260 may collect financial transaction details provided from each financial institution server 20 in real time. The financial institution server 20 generates a financial transaction history when the financial act is performed by the users based on the personal information utilization agreement submitted from the user terminal 10, and collects the generated financial transaction history in real time. It may be provided to the server 200.

The transaction subject determination unit 270 may determine a transaction subject for the collected financial transaction details. The financial transaction details may include a trading party and a counterparty, a transaction date, a transaction amount, and a transaction content, and the transaction subject determining unit 270 is a member registered user stored in a member information DB using party information on the trading party. By searching the personal information of, and extracting the financial account (FID) included in the personal information to determine the trading party and the counterpart, that is, the trading subject of the collected financial transaction history. In addition, the transaction subject determining unit 270 may extract the financial identification code (FC) matched with the extraction as the financial account (FID).

The financial transaction code register 280 may generate a financial transaction code TC in combination with the financial identification code FC for the financial transaction history in which the transaction subject is identified. As described above, the financial transaction history may include information on transaction date, transaction amount, transaction content, etc., in addition to the party information, and the financial transaction code register 280 may convert the information into a text original form or a text original text or number. Can be converted into a text code according to combinations, combinations, or substitutions of symbols, symbols, and the like. In addition, the financial transaction code register 280 may generate a financial transaction code TC by combining the financial identification code FC for the transaction subject of the financial transaction history.

Therefore, the financial transaction code TC may be a code consisting of a transaction entity substituted with the financial identification code FC and the actual transaction details.

The financial transaction code register 280 may provide the generated financial transaction code TC to the database server 500 and store the generated financial transaction code TC.

On the other hand, the data collection server 200 according to an embodiment of the present invention may further include a function for providing a member to the user can utilize their financial records in addition to the data collection function.

As a configuration for this, the recording requesting unit 290 may provide the user's own financial transaction history accumulated and stored at the request of the user terminal 10.

In detail, the record request unit 290 searches the database server 500 through the identified user's financial identification code (FC) in response to a request of the user terminal 10, and searches the user as a transaction subject. One or more financial transaction code TC may be extracted and returned to the user terminal 10 after processing.

Here, the processing procedure for the financial transaction code (TC) is deleted or masked (masking) so that the financial transaction code (TC) is not exposed to the outside, and, if coded, converted to a text original text through decoding the user terminal 10 ).

According to the above-described structure, the data collection server according to the embodiment of the present invention can give the user a financial identification code (FC) which is the only means of identification, and through this, can store and manage all the financial transactions of the user. .

Hereinafter, a structure of a data collection server of a personal information management system according to a second embodiment of the present invention will be described in detail with reference to the drawings.

3 is a view showing the structure of a data collection server of the financial identification code-based personal information management system according to a second embodiment of the present invention. In the following description, the description of the same or similar components as the data collection server according to the first embodiment of the present invention described above may be omitted.

Referring to FIG. 3, the data collection server 300 of the financial identification code based personal information management system according to the second embodiment of the present invention performs a procedure of generating a financial account (FID) according to a user's request to register, The member management unit 310 performs a login procedure using a financial account (FID), generates and assigns a unique financial identification code (FC) to a registered user, and a financial identification code associated with the financial account (FID) ( Financial identification code management unit 320 matching the FC, member information DB (330) for storing the member information including the financial identification code (FC) for each financial account (FID), the financial institution server of the at least one financial institution Financial institution registration unit 340 for registering (20), the transaction information request to provide the financial transaction history of the user defined in the registered financial institution server 20 based on the personal information provision agreement submitted by the user Department 350, financial institution server (20) Transaction information collecting unit 360 to collect financial transaction details generated in real time from the real-time, and to determine the financial identification code (FC) of the transaction subject of each financial transaction using the party information included in the collected financial transaction details Code the transaction subject determining unit 370 and the financial transaction details, combine with the financial identification code (FC) to generate a financial transaction code (TC), and the generated financial transaction code (TC) to the database server 500 At the request of the financial transaction code register 380 and the user terminal 10 to provide, the database server 500 is searched through the identified financial identification code (FC) of the user to make the corresponding user a transaction subject. It may include a recording request unit 390 to extract one or more financial transaction code (TC), and to return to the user terminal 10 after processing.

The member manager 310 may receive a personal information such as a name, a resident registration number, etc. for the user and process a member login and registration process. The member manager 310 may receive personal information through the user terminal 10 that is initially connected, and perform a member registration procedure, account creation, and login procedure.

Here, the financial account name, password, etc. of the registered user can be stored in the member information DB 330, and the member manager 310 stores the personal information in the member information DB 330 and performs the above-described login procedure. Can be done.

In addition, when the member management unit 310 agrees to the service terms and conditions in the member registration process, the member management unit 310 may receive a comprehensive consent for the use of personal information, and then the transaction information request unit 350 based on each financial institution server 20 ) May request financial transaction details, and transaction information collection unit 360 may collect financial transaction details provided.

The financial identification code management unit 320 may issue a financial identification code FC for the user to whom the financial account FID is assigned, and then use the financial identification code FC to identify any user. In addition, the financial identification code management unit 320 may store the financial identification code FC is matched with the financial account (FID).

The member information DB 330 may store personal information such as a user's registered name, social security number, a financial account (FID) and a financial identification code (FC), and a dual financial account (FID) and a financial identification code (FC). ) Has a one-to-one relationship with each other, so you can determine the financial account (FID) through additional information on the subjects included in the financial transaction history, and identify the financial identification code (FC) through the financial account (FID). Can be.

The financial institution registration unit 340 may register a financial institution server 20 operated by a financial institution that is in agreement with the personal information management system of the present invention. According to the second embodiment of the present invention, the personal information management system requests the financial institution server 20 to provide the financial transaction details based on the personal information utilization agreement submitted by the user.

In addition, the financial institution registration unit 340 determines the financial transaction details to be requested from each financial institution server according to the scope of the personal information utilization agreement submitted with reference to the member information DB 330.

The transaction information requesting unit 350 may request the provision of financial transaction details for the user who has submitted a utilization agreement to the financial institution server 20 of the registered financial institution. The transaction information requesting unit 350 provides a part of personal information such as a user's name and social security number stored in the member information DB 330, so that the contracted financial institution server 20 checks whether the user's transaction account (BID) exists. If it is present, all financial transaction details generated by the transaction account BID are provided to the data collection server 300.

The transaction information collecting unit 360 may collect financial transaction details provided from each financial institution server 20 in real time. The financial institution server 20 generates a financial transaction history when the financial act is performed by the users based on the personal information utilization agreement submitted from the user terminal 10, and collects the generated financial transaction history in real time. It may be provided to the server 300.

The transaction subject determination unit 370 may determine a transaction subject for the collected financial transaction details, and extract a financial identification code FC matched with the financial account FID.

The financial transaction code register 380 may generate a financial transaction code TC in combination with the financial identification code FC for the financial transaction history in which the transaction subject is identified, and finance the transaction subject of the financial transaction history. The financial transaction code TC may be generated by combining the identification code FC. In addition, the financial transaction code register 380 may provide the generated financial transaction code TC to the database server 500 and store the generated financial transaction code TC.

In response to a request of the user terminal 10, the recording request unit 290 searches the database server 500 through the identified user's financial identification code (FC), and at least one user as a transaction subject. After the financial transaction code TC is extracted and processed, the financial transaction code TC may be returned to the user terminal 10.

Hereinafter, a database server of a financial identification code based personal information management system according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

4 is a view showing the structure of a database server of the financial identification code-based personal information management system according to an embodiment of the present invention.

Referring to FIG. 4, when the database server 500 according to an embodiment of the present invention receives a transaction record of a user requested from a data collection server, the database server 500 transmits a request to the database 530 via a financial identification code FC. Data extraction unit 510 for extracting and returning the stored financial transaction code (TC), a data storage unit 520 for sequentially storing the financial transaction code transmitted from the data collection server and a database for storing a plurality of financial transaction codes 530 may be included.

The data extracting unit 510 may search the database server 500 via the financial identification code FC as the member registered user requests his / her transaction records accumulated so far. . The financial transaction code (TC) may include at least two parties participating in a transaction, such as a transaction entity for each transaction, for example, a sender-recipient, a buyer-seller, or a payer-payee. FC) may be included. Accordingly, the data extracting unit 510 may extract all financial transaction codes TC including the queried financial identification code FC from the database 530 and return the data to the data collection server.

The data storage unit 520 may sequentially store the financial transaction code TC transmitted by the data collection server. The data collection server generates a financial transaction code (TC) for the financial activity of the registered user in real time, the data storage unit 520 receives all the financial transaction code (TC) generated and to the database 530 Can be stored.

The database 530 stores the financial transaction code TC under the control of the data storage unit 520. Here, one financial transaction code TC may be composed of a first financial identification code column T1, a second financial identification code column T2, a transaction date column T3, and other transaction details column T4.

Also, the financial identification codes stored in the first and second financial identification codes (T1, T2) may be random codes generated by eliminating duplication through a predetermined random function or a hash function. Preferably, the combination may be generated by a combination of six or more letters, numbers, and symbols, but is not limited thereto.

For example, when the financial identification code FC of the user A is 'FC1', the second financial identification code is not only a financial transaction code TC in which 'FC1' is recorded in the first financial identification code field T1. All financial transaction codes (TC) recorded as 'FC1' in (T2) will be extracted.

In addition, in the transaction date column TC3, 'YYMMDD' corresponding to the transaction date and 'HHMMSS' corresponding to the transaction time may be recorded.

In addition, the transaction information is the end of the code. In the transaction details column (T4), the currency code for the currency type such as dollar, won, yen, etc., which is the basis of the amount of the financial transaction, the transaction amount, and the specific contents, such as remittance, purchase of goods, etc. It may contain a transaction content consisting of text about the transaction. The data recorded in the transaction content field T4 may be not only text original but also coded text.

Hereinafter, a financial identification code based personal information management method by a personal information management system according to an embodiment of the present invention will be described with reference to the drawings.

5 is a view showing a personal information management method according to an embodiment of the present invention. In the following description, each step execution subject is a data collection server of the above-described personal information management system and a component thereof, unless otherwise described.

Referring to Figure 5, the personal information management method according to an embodiment of the present invention, the step of performing a login procedure using the financial account creation procedure and the financial account according to the user's request for membership (S100), registered user Generating and assigning the only financial identification code for the user, matching the financial identification code associated with the user account (S110), storing the member information including the financial identification code for each user account (S120), financial institutions Collecting the financial transaction details generated in real time from the server (S130), determining the financial identification code of the transaction subject of each financial transaction using the information of the parties included in the collected financial transaction history (S140) Encoding the transaction details and combining the financial identification code to generate a financial transaction code (S150) and providing the generated financial transaction code to a database server (S160); It may include.

In detail, in step S100, a financial account creation procedure and a login procedure using a user account are performed according to a user's request for joining a user. In response to a request of an initially accessed user terminal, personal information of a corresponding user is received. And create a financial account (FID) for use in the system. At this time, the user will submit his personal information utilization agreement.

Next, generating and assigning a unique financial identification code for the registered user, and matching the financial identification code associated with the financial account (S110), the only identification code for the user for which the financial account (FID) was created By creating a financial identification code (FC) and establishing a linkage with the financial account (FID), so that the user can be identified by either of them, and the dual financial account (FID) can be disclosed to the user, The code FC is intended to be used only at the data collection server for user identification purposes.

In the step of storing the member information including the financial identification code for each user account (S120) by storing the associated financial account (FID) and financial identification code (FC) in the member information DB, to prepare for providing personal information management services do.

In the step of collecting financial transaction details generated in real time from the financial institution server (S130), the financial transaction details are collected in real time from each financial institution server based on the personal information utilization agreement submitted by the user. The negotiated financial institution server provides the data collection server with all the financial transactions generated by the user's financial activities.

Determining the financial identification code of the trading subject of each financial transaction history by using the party information included in the collected financial transaction history (S140) by analyzing the collected financial transaction history transaction account (BID), name or account number The user's financial account (FID), which is the transaction subject of the financial transaction history, is extracted, and the financial identification code (FC) is determined.

Subsequently, the financial transaction code is encoded, and the financial transaction code is generated by combining with the financial identification code (S150). The financial transaction code is identified and the financial transaction code is determined and combined with the financial identification code (FC). To generate a new financial transaction code (TC).

In operation S160, the generated financial transaction code is transmitted to the database server so that the database server stores the financial transaction code TC.

Thereafter, although not shown, if the user wants to check his or her transaction records, the data collection server determines the financial identification code (FC) through the financial account (FID), and the database through the financial identification code (FC) as a medium. Search the server to extract and provide the financial transaction code (TC) of the user.

On the other hand, the above-described personal information management method, there is a difference in the procedure according to the manner in which the financial transaction history is provided, between the terminal and the server constituting the personal information management system according to the first and second embodiments of the present invention The financial identification code based personal information management method by the working process will be described in detail.

6A and 6B are diagrams illustrating a work process for implementing a financial identification code based personal information management method according to the first and second embodiments of the present invention, respectively.

First, referring to FIG. 6A, as a first embodiment, a user who wants to use the personal information management service of the present invention attempts to initially access the personal information management system 100 through the user terminal 10 and registers as a member. Upon request (S300), the personal information management system 100 receives the member information according to the member registration procedure, generates a financial account (FID), and generates a financial identification code (FC), which is the only identification key, and the user. Granted to prepare for service provision (S310).

In addition, the registered user terminal 10 submits the personal information utilization agreement to the financial institution server 20 (S320). Here, step S320 may be performed at the time of creating a transaction account (BID) between the user and the financial institution before the membership registration process (S300).

Thereafter, the financial institution server 20 generates the financial transaction history according to the user's financial activity and provides it to the personal information management system 100 (S330).

Accordingly, the personal information management system 100 determines the financial account (FID) and the financial identification code (FC) through the transaction account (BID) or party information included in the financial transaction history, and identifies the party (S340). . In addition, the financial transaction code is encoded to generate and store the financial transaction code in combination with the financial identification code FC (S350). At this time, the financial transaction code may be stored in a separate database server and continuously accumulates and manages the financial transaction code.

After that, if the user who wants to utilize his / her accumulated transaction records requests the provision of his / her financial records through the user terminal 10 (S360), the personal information management system 100 receives the financial account (FID). Determining the financial identification code (FC) through, and extracts the financial transaction code by searching the database using the financial identification code (FC) (S370).

Subsequently, the personal information management system 100 processes the extracted financial transaction code and provides it to the user terminal 10 (S380).

In addition, referring to FIG. 6B, as a second embodiment, a user who wants to use the personal information management service of the present invention attempts to initially access the personal information management system 100 through the user terminal 10 and registers as a member. Upon request (S200), the personal information management system 100 receives the member information according to the member registration procedure, generates a financial account (FID), and generates a financial identification code (FC), which is the only identification key, and the user. Granted (S210).

In addition, the registered user terminal 10 submits a personal information utilization agreement (S220), and the personal information management system 100 is a personal information utilization agreement to each financial institution server 20 operated by the contracted financial institutions Based on the request to provide a financial transaction history for the user (S230).

Thereafter, the financial institution server 20 generates a financial transaction history according to the user's financial activity and provides it to the personal information management system 100 (S240).

Accordingly, the personal information management system 100 determines the financial account (FID) and the financial identification code (FC) through the party information included in the financial transaction history, and codes the financial transaction history and the financial identification code (FC) and In combination, the financial transaction code is generated and stored (S250). At this time, the financial transaction code may be stored in a separate database server and continuously accumulates and manages the financial transaction code.

After that, if the user who wants to utilize his / her accumulated transaction records requests the provision of his or her financial records through the user terminal 10 (S260), the personal information management system 100 receives the financial account (FID). Determining the financial identification code (FC) through, and extracts the financial transaction code by searching the database using the financial identification code (FC) (S270).

Subsequently, the personal information management system 100 processes the extracted financial transaction code and provides it to the user terminal 10 (S280).

Many details are set forth in the foregoing description but should be construed as illustrative of preferred embodiments rather than to limit the scope of the invention. Therefore, the invention should not be defined by the described embodiments, but should be defined by the claims and their equivalents.

10: user terminal 20: financial institution server
100: personal information management system 200: data collection server
210, 310: member information management unit 220, 320: financial identification code management unit
230, 330: Member Information DB 340: Register of Financial Institutions
350: transaction information requesting unit 260, 360: transaction information collecting unit
270, 370: Determining the trading entity 280, 380: Financial transaction code register
290, 390: recording request unit 500: database server

Claims (9)

Collects a number of financial transactions generated by multiple users as a transaction entity from one or more financial institution servers, and issues non-overlapping financial identification codes that are not duplicated as the only means of identification for multiple users. A data collection server for encoding the collected financial transaction details and generating a financial transaction code by combining the financial identification codes and the encoded financial transaction details for the two transaction entities; And A database server for storing the financial transaction code,
The data collection server,
Search and extract a plurality of financial transaction codes stored in the database server through the financial identification code;
A member manager for performing a procedure of generating a financial account according to a user's request for membership and performing a login procedure using the financial account;
A financial identification code manager for generating and assigning a financial identification code for a user registered as a member and matching the financial account and the issued financial identification code of the user;
A member information DB for storing member information including a financial identification code for each financial account;
A transaction information collecting unit which collects the financial transaction details generated in real time from the financial institution server;
A transaction subject determining unit which extracts the financial accounts of the two trading subjects for each financial transaction history using the party information included in the collected financial transaction details, and determines the financial identification codes matched to the extracted two financial accounts, respectively; And
A financial transaction code register for generating the financial transaction code by combining the financial identification codes of the two transaction entities with the contents of the encoded financial transaction details for the financial transaction history identified by the two transaction entities.
Financial identification code-based personal information management system comprising a. delete The method of claim 1,
The transaction information collecting unit,
A financial identification code-based personal information management system that collects the financial transaction details from a predetermined financial institution server in accordance with the provision of financial transaction details based on a personal information provision agreement submitted by a user. The method of claim 1,
The data collection server,
A financial institution register that registers financial institution servers of one or more financial institutions; And
The transaction information request unit requesting the provision of the financial transaction details of the user defined in the registered financial institution server based on the personal information provision agreement submitted by the user.
Financial identification code based personal information management system comprising a. The method of claim 1,
At the request of the user terminal, the database server is searched through the identified user's financial identification code to extract one or more financial transaction codes of which the user is a trading subject, and the records are returned to the user terminal after processing. Request
Financial identification code based personal information management system further comprising. A financial identification code based personal information management method by a data collection server,
Performing a user account creation procedure and a login procedure using a financial account according to a user's request for membership; as a unique identification means for a plurality of registered users, non-overlapping, meaningless text, and not being exposed to the outside Generating and assigning an identification code and matching a financial identification code associated with the financial account;
Storing member information including a financial identification code for each financial account;
Collecting financial transaction details generated by a plurality of users as a trading entity in real time from one or more financial institution servers;
Extracting the financial accounts of the two trading entities for each financial transaction history by using the party information included in the collected financial transaction details, and determining a financial identification code matched with each of the extracted two financial accounts;
Generating a financial transaction code by combining the financial identification codes of the two transaction entities and the contents of the encoded financial transaction details for the financial transaction details identified by the two transaction entities; And
Providing the generated financial transaction code to the database server
Financial identification code-based personal information management method comprising a. The method of claim 6,
Collecting the financial transaction history generated in real time from the financial institution server,
A financial identification code-based personal information management method comprising collecting the financial transaction details from a financial institution server in which a financial transaction history providing function is preset based on a personal information provision agreement submitted by a user. The method of claim 6,
Collecting the financial transaction history generated in real time from the financial institution server,
Registering a financial institution server of the financial institution defined by the personal information provision agreement submitted by the user; And
Requesting the registered financial institution server to provide the financial transaction history of the corresponding user;
Financial identification code-based personal information management method comprising a. The method of claim 6,
After providing the generated financial transaction code to the database server,
At the request of a user terminal, searching the database server through the identified user's financial identification code and extracting one or more financial transaction codes for the user as a transaction subject;
Returning the extracted financial transaction code to the user terminal after processing
Financial identification code-based personal information management method comprising a.

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