KR20000058005A - Application system of total finance using the internet - Google Patents

Abstract

PURPOSE: An integrated banking information management system is provided to perform a reference of a withdrawal, a deposit or a balance of a bank account with respect to the all the banking organizations, and additional services such as a reference of dishonored check and an exchange rate by installing an operation system at a general PC. CONSTITUTION: An integrated banking information management system comprises a personal computer, an operation system(30), a banking card(10), a card reader(20), a middleware system(40) and a payment approval solution(60). The PC includes a printing module, a communication module and a key input module. The operation system(30), installed at the PC, offers services such as a withdrawal/deposit/balance reference with respect to a corresponding bank account, a check reference, a bill printing or a reservation setting. The banking card(10) includes a plurality of bank account numbers, and secret codes corresponding the bank accounts. The card reader(20), connected to the facsimile system(30), includes a security module checking an input password and encrypting the password. The middleware system(40) offers a financial information to a portable terminal or a cellular phone by using a database storing additional information.

Description

Integrated financial information management system using the Internet {APPLICATION SYSTEM OF TOTAL FINANCE USING THE INTERNET}

The present invention relates to an integrated financial information management system using the Internet, and more particularly, the deposit and withdrawal / balance for all financial institution accounts by serially connecting a common institution connected with a financial institution and a general PC connected to the Internet. The present invention relates to services such as inquiry and check inquiries, exchange rate inquiry, reservation setting, payment confirmation service for electronic commerce, service for transmitting information wirelessly, and financial information service system that provides various additional information in real time.

There is an internet banking system in a conventional manner.

However, the above method requires the use of a separate access program for each financial institution, and the account number and password must be entered one by one, and if an error occurs during input, the account number and password must be re-entered again. .

The present invention has been made to solve the problems described above, the purpose is to use the financial information in real time only by mounting the operating system in a general PC without installing a separate equipment.

Another object of the present invention is to enable the use of a financial card without inputting the account number and password of each financial institution with a single password input.

The present invention also aims to provide not only services related to financial information, but also additional services such as check inquiries and exchange rate inquiries, and the provision of wireless communication services and deposit information on electronic commerce.

Integrated financial information management system using the Internet to achieve the above object,

A middleware system for mobile communication and wireless communication service that provides information to a mobile phone or a wireless terminal, and has an additional information database unit that manages a variety of additional services in addition to financial information in connection with the financial common network. Section 40; A payment confirmation solution 60 for supporting checking the deposit information on the electronic commerce system through the Internet; A general PC having a printing and communication function and a key input unit, comprising: a financial card (10) storing account numbers of a plurality of banks, passwords of the account numbers, and passwords for use of the card; A card reader device (20) having a security system for verifying a password input from the financial card (10) to secure information with an encryption processing program, and connected to a general PC; Equipped with the general PC, the bank account number and password input from the card reader device 20, input / withdrawal inquiry, balance check, check inquiry, exchange rate inquiry of each country, simple tax It consists of an operating system 30 for controlling the issue of the bill, the additional information service, and the provision of the reservation setting service.

The present invention is also characterized in that all service provision in the operation system unit 30 is processed and provided in real time.

The present invention is also characterized in that the operating system unit 30 allows the user to receive services for multiple accounts with a single password input.

The present invention is also characterized in that the operating system 30 automatically provides the designated information every predetermined time as a reservation setting function.

In another aspect, the present invention is characterized in that the operation system unit 20 can directly enter an account number or password without using a financial card.

1 is an overall configuration diagram of an integrated financial information management system using the Internet according to the present invention.

Figure 2 is a flow chart of the operation of the integrated financial information management system using the Internet according to the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of an integrated financial information management system using the Internet according to the present invention.

As shown, an existing general PC having a communication function, a transmission and reception function, an output function and a key input unit; In / Out inquiry for checking the deposit and withdrawal of the account, balance inquiry for checking the balance of the account, check inquiry for checking whether the check is defective, exchange rate inquiry for checking the exchange rate of each country, In the case of corporations, it provides issuance of a simple tax invoice for issuing a simple tax invoice, a reservation setting for automatically providing predetermined information at predetermined time intervals, and additional information services for providing various services such as weather and securities information other than financial information. An operating system unit 30; A financial card 10 for inputting an account number, a password, and a password of an individual or a corporate financial institution; A card reader device 20 connected to the general PC and having a security system unit for checking information of a card using a password inputted from the financial card to secure information; A middleware system having a separate additional information database system unit for providing additional information to a user by providing a database on its own server, and wirelessly transmitting financial information by text or voice to a wireless terminal or a mobile communication telephone. 40; It consists of a payment confirmation solution 60 to support the technology to check the payment information from the e-commerce system, the system provides a service in connection with the financial common network and the Internet.

2 is a flowchart of an integrated financial information operating system using the Internet according to the present invention.

As shown, when the customer manually enters data directly on the Internet (R110) or enters the financial card to the card reader device (R120), and passes through the step of entering a password or password (R130), The password and password entered from the card are compared with the information entered in the system. If there is no error, the process continues. At this time, the security system operates the decryption program to secure it (20). Then select the desired account (R140) to select what information is to be provided (R150), withdrawal and retrieval check / balance inquiry / check inquiry / exchange rate inquiry / additional information service, financial joint according to the service provision Information may be provided by the network or by a supplementary information database system.

In addition to the services provided above, in order to query the payment information on the e-commerce, access the e-commerce payment confirmation solution while connected to the Internet (R210) and enter the password used for the e-commerce (R220). The system receives information from the financial common network and provides it to the user. (R10)

In addition, when the information is provided to the user wirelessly, the middleware system controls the information to transmit the financial information by text or voice to the wireless terminal or the mobile communication telephone (R10 ').

In all the above systems, the user decides whether or not to output the provided service and view it on the screen or output it.

Referring to the operation of the integrated financial information management system using the Internet according to the present invention made as follows.

All users and individuals who have transactions with financial institutions can receive financial information of each customer's account by linking the financial institution's common network, and receive transaction details generated in bulk, partially or in real time from a general PC. It prints on the screen and the printer, and provides other information such as exchange rate information, stock information, and weather forecast information in real time on its own server.

In addition, unlike the conventional method, the present invention manually inputs a trading account for each financial institution, or receives financial information of a desired account using a financial card in which a trading account for each financial institution is input, and a separate account number or password. You can search for each account just by entering the first password without inputting.

In addition, the reservation setting function is added to automatically provide predetermined information at a predetermined time, and when checking a check, the information is received from the common financial network in real time, so that the check can be immediately notified and a separate check for the system buyer is made. The company information is also provided according to the issue of the general simple tax receipt by supporting the system that manages corporate information in real time by establishing a customer network server.

In addition, it is possible to query not only general financial information but also deposit information on an e-commerce, and wireless communication services can be received in the form of text or voice from a wireless terminal or a mobile communication telephone.

As described above, the integrated financial information management system using the Internet can query and process the financial information of the customer accounts distributed in each bank through the Internet in association with the bank common network. As it can receive in real time, not only can provide fast information, but also can provide information in the form of text or voice wirelessly to wireless terminal or mobile communication phone, so that users can receive the information conveniently, and e-commerce system It is also linked to, so you can check the deposit information on the Internet.

Claims (5)

A middleware system unit 40 for managing a variety of additional services provided in addition to financial information in connection with a financial common network and separately providing a mobile communication service and a wireless communication service for providing information to a portable telephone or a wireless terminal; A payment confirmation solution 60 for supporting checking the deposit information on the electronic commerce system through the Internet; In the general PC (30) having a printing and communication function and a key input unit, A financial card (10) storing account numbers of a plurality of banks, passwords of the account numbers, and passwords for use of cards; A card reader device (20) having a security system for verifying a password input from the financial card (10) to secure information with an encryption processing program, and connected to a general PC; Equipped with the general PC, the bank account number and password input from the card reader device 20, input / withdrawal inquiry, balance check, check inquiry, exchange rate inquiry of each country, simple tax Integrated financial information management system using the Internet consisting of; operating system section for controlling the issue of the bill, the provision of additional information services, and the service of reservation setting. The method of claim 1, All services provided by the management system unit 30 is processed and provided in real time integrated financial information management system using the Internet. The method of claim 1, The operation system unit 30 is an integrated financial information management system using the Internet, characterized in that the user can receive services for multiple accounts with a single password input. The method of claim 1, The operation system 30 is an integrated financial information management system using the Internet, characterized in that to automatically provide the specified information every predetermined time as a reservation setting function. The method of claim 1, The operation system unit 20 is integrated financial information management system using the Internet, characterized in that it is possible to manually enter the account number or password directly without using a financial card.