KR20000058024A - Unified banking system by personal computer - 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 dishonoured check and an exchange rate by connecting serially a personal computer to a banking network. CONSTITUTION: An integrated banking information management system comprises an additional information database(50), a banking card(10), a card reader(20) and an operation system(40). The additional information database(50) stores various services. 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 PC, includes a security module checking an input password and encrypting the password. The operation system(50) 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.

Description

Unified Financial Information Management System using PC Communications {UNIFIED BANKING SYSTEM BY PERSONAL COMPUTER}

The present invention relates to an integrated financial information management system using PC communication, and more particularly, to deposit and withdraw funds / balances on accounts of all financial institutions by serially connecting a common network with a financial institution and a general PC equipped with a management system. The present invention relates to a financial information service system that provides a check failure inquiry / exchange rate inquiry and various additional information in real time.

There is a PC banking system according to the conventional method, but the above method should be registered by using a separate access program for each financial institution, and after accessing for each bank, the authentication process must be performed, and the account number and password must be entered. If an error occurs during input, it is inconvenient to re-enter the account number and password again.

The present invention has been made to solve the problems described above, the purpose is to use the financial information in real time in conjunction with the financial common network by installing the operating system on a general PC without installing additional 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 has an object to provide an additional service such as check bad check, exchange rate check, as well as services related to financial information.

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

An additional information database unit 50 for separately managing a variety of additional services provided in addition to the financial information; 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 security system that checks the password inputted from the financial card 10 and secures the information with an encryption processing program, and is connected to a general PC with a card reader device 20; Equipped with a general PC, the bank account number and password inputted from the card reader device, the deposit and withdrawal inquiry, the balance inquiry of the deposit, the check inquiry, the exchange rate inquiry of each country, issuing a simple tax invoice, And an operation system unit for controlling provision of additional information service and service of reservation setting.

The present invention is also characterized in that all service provision in the operation system unit 40 is processed and provided in real time.

The present invention is also characterized in that the operating system 40 allows a user to receive services for multiple accounts with a single password input.

The present invention is characterized in that the operating system 40 automatically provides the designated information every predetermined time by the reservation setting function.

The invention also. The operation system unit 40 is characterized in that it is possible to manually enter the account number or password, without using a comprehensive financial card.

1 is an overall configuration of the integrated financial information management system using PC communication in accordance with the present invention.

Figure 2 is a flow chart of the operation of the integrated financial information management system using PC communication in accordance with 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 PC communication 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 companies, the operation of providing a simple tax invoice for issuing a simple tax invoice, an additional information service for providing various services other than financial information, and a reservation setting service for automatically providing predetermined information at a predetermined time period A system unit 30; A comprehensive financial card 10 in which an account number, a password, and a password of an individual or a corporate financial institution are inputted; 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; It consists of a separate additional information database system unit 50 to provide additional information to the user by providing a database on its own server, the system provides a service in connection with the financial common network (60) .

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

As shown, when the customer manually enters the data directly into the general PC (R10) or enters the financial card to the card reader device (R20), and passes through the step of entering the password or password (R30) If there is no error, the password and password received from the card are compared with the information already entered in the system. At this time, the security system operates the decryption program to secure it (20). Then select the desired account (R40) to select what information will be provided (R50), withdrawal and retrieval / balance inquiry / check inquiry / exchange rate inquiry / additional information services, financial co-operation according to the service provision The information may be provided by the network (60), or provided by the additional information database system (5).

Finally, the user decides whether to output the provided service, whether to view it on the screen or output it (R60).

The operation of the integrated financial information management system using the PC communication according to the present invention made as described above is 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 receives financial information of a desired account by manually inputting a trading account for each financial institution into a general PC or using a comprehensive financial card in which a trading account for each financial institution is input. You can search for each account just by entering the first password without entering an account number or password.

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.

As described above, the integrated financial information management system using PC communication can inquire and process the financial information of the customer accounts distributed in each bank through the fax system in association with the bank common network. All can be received in real time can provide convenient and fast information.

Claims (5)

An additional information database unit 50 for managing a variety of additional services provided in addition to the financial information in a separate database; In general PC with printing and communication function and 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 a general PC, the bank account number and password inputted from the card reader device 20, the deposit and withdrawal inquiry, the balance inquiry of the deposit, the check inquiry, the exchange rate inquiry of each country, the simple tax invoice Integrated financial information management system using a PC communication consisting of; issuing, additional information service, and operation system unit 40 for providing reservation setting service. The method of claim 1, All services provided by the management system unit 40 is processed and provided in real time integrated financial information management system using a PC communication. The method of claim 1, The operating system unit 40 is integrated financial information management system using a PC communication, characterized in that the user can receive services for multiple accounts with a single password input. The method of claim 1, The operating system 40 is integrated reservation information management system using a PC communication, characterized in that for automatically providing the specified information every predetermined time as a reservation setting function. The method of claim 1, The operation system unit 40, the integrated financial information management system using PC communication, characterized in that it is possible to manually enter the account number or password directly without using a financial card.