KR20020035820A - Synthesis property administration method to use portable save medium - Google Patents

Abstract

PURPOSE: A method of managing important personal information using portable storage medium is provided to use a portable storage medium to manage financial transaction and personal information safely and conveniently to manage important personal information. CONSTITUTION: The portable storage is to hold the financial transaction and personal information of the user. The personal computer is to be hooked up with portable storage medium then the personal information management program to be run. With the program linked to the internet, it is to be connected to the central personal information management system server to see if the program is the latest version. If the program is not the latest version, the system is to download and upgrade into the latest version of the program. Then the system is to be restarted in order to have the program be upgraded.

Description

Synthesis property administration method to use portable save medium}

The present invention relates to a comprehensive asset management method that can safely and conveniently manage financial transactions and personal information using a portable storage medium, and in particular, encrypts important information such as account information, personal information, transaction information, household account information, and the like. It can be managed through portable storage media, and can register and manage various types of assets such as banks, credit cards, debts, cash, etc. It relates to a comprehensive asset management method that can be safely performed.

We have seen how the Internet has changed our lives and cultures so rapidly and dramatically. The rapid proliferation and development of the Internet without time constraints is changing our lives and culture beyond our imagination. Now you don't have to go to the store to buy things, you don't have to spend a lot of time getting information, and you don't have to meet people in person for exchange. This is because a huge communication network that connects all the small networks that exist all over the world, the communication environment called the Internet, can replace this. If you can connect to the Internet, you can now buy and sell things anytime, anywhere, get information, and interact with strangers. The advantage of the Internet business is that it doesn't need a separate sales network, no space, and can be used 24 hours a day, 365 days a year.

Due to this internet environment, many websites were created in a short period of time, and each website operates as a free or paid member system to secure a competitive member. As a result, users are inevitably signing up to use the services or information provided by the corresponding site, and they are burdened with storing and managing their unique ID and password for each website. And often, consumers do not remember their ID and password that have not been used for a certain period of time, so they do additional activities such as signing up again or sending an e-mail requesting information to the site administrator. Therefore, each user has their own ID and password for each site they subscribe to or stored on their computer. In addition, users are required to log in by entering their ID and password every time they visit their favorite site, causing inconvenience.

Conventionally, the website automatic login-login system and automatic log-in processing method for solving such problems of personal ID and password management and log-in are disclosed by Korean Patent Application No. 2001-0023087 (filed date: 2001.04) .27). The website automatic log-in system and automatic log-in processing method disclosed in Korean Patent Application No. 2001-0023087 (filed date: April 27, 2001) manages communication ID and password and automatically logs-in. In particular, the personal information such as various IDs and passwords for logging in to the member system website is stored in a separate portable personal information storage medium which is connected to the USB port of the computer, and the portable personal is needed whenever necessary. After connecting the information storage media to the USB port of the computer, through the user identification and authentication process, the ID and password required for login when visiting the website are retrieved from the portable personal information storage media and automatically logged in. Disclosed is a technique for enabling it.

Meanwhile, in the age of the Internet, financial companies such as banks and credit cards are conducting financial transactions using the Internet for the convenience of customers. The most important thing here is, of course, the absolute security of customer information.

Therefore, each bank will issue a user certificate, and pays great attention to security to prevent theft of customer information such as certificate password and transfer password.

However, from the customer's point of view, this process in financial transactions is not uncomfortable. Of course, you know that this is a security measure to prevent your information from being leaked, but for those customers who are used to the convenience and simplicity of one-click, this process is very tricky, tedious and inconvenient.

However, in today's financial transaction environment and the Internet system environment, it must be necessary for maintaining security. If not, the situation may occur so easily that the customer's financial transaction information can be leaked to the outside.

Therefore, it would be good news for customers who use the Internet if a new way to make it simple, simple, and secure, such as surfing other free sites, would be a good thing.

In addition, each individual is faced with an environment where there is not only one bank or credit card. Most do business with a few banks, so they manage several bank accounts and carry several credit cards. Therefore, if you try to use your own bank or credit card using the Internet, you have to go through user authentication for each bank and each credit card company, so you do not have the environment for financial transactions with all banks and all credit card companies. .

In addition, there was a problem of leaving a trace in the memory provided in the computer itself when using the computer in relation to the personal information, and if the subject of personal information management becomes the management company of the website and not the user, there is a possibility of security problems. In addition, there is a risk that a website that manages personal information may be hacked or damages may occur that personal information is leaked to the outside.

Therefore, if an internet financial transaction method is devised that can solve all these problems or inconveniences, it will bring about a breakthrough in Internet financial transactions.

Accordingly, an object of the present invention is to provide a comprehensive asset management method using a portable storage medium that can easily and simply secure the security of personal information when the financial transaction using the Internet.

Another object of the present invention is to manage the important information such as account information, personal information, transaction information, household account information through encryption through a portable storage medium, register and manage various types of assets such as banks, credit cards, debt, cash, etc. In addition, the present invention provides a comprehensive asset management method using a portable storage medium that can quickly and securely perform online transactions such as banking and credit cards, such as the creation of the household account book.

In order to solve the above object, a comprehensive asset management method using a portable storage medium according to the first aspect of the present invention is:

Encrypting and storing various log-in information including a certificate password for automatic log-in of internet financial transactions through a plurality of banks and credit card companies in the portable storage medium, and connecting to a communication port of a computer if necessary ;

When the portable storage medium is connected to the computer, a comprehensive asset management program is executed to connect to the Internet, thereby automatically logging in to the servers of registered banks and credit card companies to automatically log in the Internet financial transactions stored in the portable storage medium. Automatically logging in to each registered bank and credit card server through various log-in information, including a certificate password for the user;

Executing a financial transaction screen for internet banking and credit card transactions after automatically logging in to the registered banks and credit card companies, and executing internet financial transactions according to user selection; And

And encrypting and storing online transaction details and changes such as account information and transaction information according to the user's internet financial transaction on the portable personal information storage medium.

In addition, in the comprehensive asset management method using a portable storage medium according to the second aspect of the present invention, when the portable asset storage medium is connected to the computer, a comprehensive asset management program is executed to access a comprehensive asset management server. And automatically downloading and updating the comprehensive asset management program, and then executing the updated comprehensive asset management program again.

In addition, the comprehensive asset management method using a portable storage medium according to the third aspect of the present invention is a user certificate issued through the authentication process with the authentication server of the new bank and credit card company connected through the Internet to the portable storage medium And encrypting and storing, and if an authenticated user certificate exists in the portable storage medium, an authentication process step of omitting a separate certificate issuing procedure and authenticating a user by verifying an authentication password;

In addition, the comprehensive asset management method using a portable storage medium according to the fourth aspect of the present invention, when the comprehensive asset management program is executed while the portable storage medium is connected to the computer, Internet banking, Integrated management of online transactions such as credit card, the user can directly input / modify / delete offline items, and executes the electronic account book function that allows simultaneous integration management with the Internet transaction function by user selection; It is characterized by.

In addition, the electronic account book function applied to the comprehensive asset management method using a portable storage medium according to the fifth aspect of the present invention;

An account book input mode which executes an account book input screen and provides it to the user, and encrypts and stores the final account book input data such as contents input / modified / deleted by the user directly on the portable personal information storage medium;

When the asset analysis screen is provided by executing the asset analysis screen, the entire asset / liability and asset / liability status by account are provided as a table or graph analysis screen, and detailed search by item, analysis unit, period, asset type, etc. , Household account analysis mode that provides a simple click screen,

It executes the household forecast screen, and has a household forecast mode that provides input and management of future expenditure details, alarm function for inputted items, well-known functions for card payment amount and settlement date, analysis of consumption status and expenses management screen. It is characterized by.

In addition, the communication port of the computer according to the sixth aspect of the present invention is characterized in that the USB port (USB) port, the portable storage medium is characterized in that the USB flash memory (USB).

In addition, the portable storage medium according to the eighth aspect of the present invention;

Database that stores other data such as comprehensive asset management installation program, management data,

A user information database for storing personal information such as user name, social security number, address, marital status, age, birthday, occupation, work address, contact information, hobby, etc.

Registered ID / password database that stores site name, site internet address, ID, password information,

An unregistered ID / password database that stores ID and password information for new subscriptions or changes,

Various logs, including digital certificates issued by the authentication server, account information of each bank or credit card, card information, personal information, transaction information, account book information, and certificate passwords for automatic login of financial transactions. And a security information database in which the personal information is stored.

1 is a view showing a comprehensive asset management system environment using a portable storage medium according to an embodiment of the present invention,

2 is a block diagram of automatic log-in processing according to an embodiment of the present invention;

3a illustrates a user initial authentication process according to a preferred embodiment of the present invention;

3B is a view illustrating a user authentication confirmation process according to a preferred embodiment of the present invention according to a preferred embodiment of the present invention;

Figures 4a to 4c is a flow diagram of the overall process for performing the electronic account book functions and Internet financial transactions of the comprehensive asset management system using a portable storage medium in accordance with a preferred embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

10: portable personal information storage device 20: computer

30: Internet 40: Server

50: financial institution server 60: certificate server

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First of all, in adding reference numerals to the components of each drawing, it should be noted that the same components have the same reference numerals as much as possible even if they are displayed on different drawings. Detailed descriptions of well-known functions and configurations that are determined to unnecessarily obscure the subject matter of the present invention will be omitted.

1 is a view showing a comprehensive asset management system environment using a portable storage medium according to a preferred embodiment of the present invention, largely portable storage medium (or portable personal information storage medium) 10, computer 20, Internet network 30, the server 40, the financial institution server 50, and the authentication server 60. The portable storage medium 10 includes a memory, for example, a flash memory, to store account information, personal information, transaction information, account book information, and a certificate password for automatic log-in of financial transactions. It encrypts and stores various log-in information, and stores the certificate issued by the site. The portable storage medium 10 is provided with a connection jack or cable 12 to be connected to the computer 20, preferably, directly to the Universal Serial Bus (USB) port provided in all computers Configured as USB flash memory for connectable USB port.

The computer 20 may access each financial institution server 50, the authentication server 60, and other web servers 40 through the Internet network 30 while the portable storage medium 10 is connected. As a computer capable of running a built-in environment, for example, a web browser, a comprehensive asset management program capable of executing Internet banking and electronic household accounting is installed by 21 and 22.

The server 40 may be any web server operating on the Internet, and provides comprehensive asset management according to the present invention, and is limited to a comprehensive asset management server that is responsible for providing comprehensive asset management information, downloading an installation program, and updating automatically. You may do it.

The financial institution server 50 is a server operated by each bank and each credit card company. The financial institution server 50 executes Internet banking such as inquiry, transfer, credit card, and the like to service financial transactions over the Internet.

The authentication server 60 is an authorized / private certification authority that issues and verifies a digital certificate based on a PKI (Public Key Infrastructure), and confirms user identification when a user is connected for Internet use. After issuing a certificate or, if the user has already issued a certificate, this server authenticates the user by checking the authentication password.

FIG. 2 illustrates the comprehensive asset management system environment of FIG. 1 in more detail. 2 is an automatic log-in processing configuration diagram of a comprehensive asset management system according to an embodiment of the present invention, wherein the database 11 provided in the portable storage medium 10 includes a plurality of databases. For example, user information DB 11A, registered ID / PWD (abbreviated PASSWORD, hereinafter referred to as PWD or password) DB 11B, unregistered ID / PWD DB 11C, and security information DB It consists of 11D. All information stored in the database 11 is stored encrypted. Although not shown, the database 11 may include a DB for storing other data such as a comprehensive asset management installation program and management data.

The user information DB 11A stores various pieces of information necessary for membership, such as a user name, social security number, address, marital status, age, birthday, job, work address, contact information, hobby, and the like. The registration ID / PWD DB 11B includes a site name, Url., And ID. PWD information is stored, and the unregistered ID / PWD DB 11C includes ID and PWD information to be used for new subscription or change. In addition, the security information DB (11D) stores a digital certificate issued by the authentication server, account information, card information, personal information, transaction information, account book information, and automatic log of financial transactions of each bank or credit card- Various log-in information is stored, including the certificate password for login.

The computer 20 has a USB port 24, a Log-In Driver 23, a network connection process 25, an authentication process 27, and a log-in process 29. The USB port 24 is a portion to which a terminal device or a portable personal information storage medium 10 according to the present invention can be connected and used by connecting to a USB port. The log-in driver 23 stores a plurality of log-in information of each bank or credit card company stored and managed in the portable personal information storage medium 10 connected to the USB port 24 of the computer 20. As a driver that performs the log-in process 29 to automatically perform the log-in of each bank and credit card company's internet financial transaction using a certificate, ID, PWD, certificate PWD, transfer PWD, etc.). If the log-in driver 23 is installed in the computer 20 according to the present invention, a log-in process 27 program is installed in the computer, and a comprehensive asset management program execution icon is displayed on the desktop of the computer monitor. Can be configured. The authentication process 27 stores a user certificate issued through an authentication process with an authentication server 60 connected through the internet network 30 in the authentication information DB 11D of the portable personal information storage medium 10. If an authenticated user certificate exists in the authentication information DB 11D of the portable personal information storage medium 10, a separate certificate issuance procedure is omitted and a program for authenticating a user through authentication password verification is performed. Is done through the processor.

3A is a diagram illustrating a user initial authentication process according to an embodiment of the present invention, which is an authentication process of a user computer (PC) 20, and FIG. 3B illustrates a user authentication confirmation process according to an embodiment of the present invention. One drawing. The authentication process 27 according to the invention plays an important role in security. In addition to verifying the identity of the user, authentication can guarantee accountability in security. The authentication process 27 may use a government-authorized certification body or directly authenticate the head office using the PKI scheme. In the initial procedure of the authentication process, as shown in FIG. 3A, in step A01, the user computer authentication process 20 stores a user stored in the user information DB 11A of the portable personal information storage medium 10. After accessing the identification information to the authentication server 60 and requesting (B01), the authentication server 40 receives the requested authentication request from the user in step C01 and retrieves the identification DB in step C02, and then in step C03. Check the certificate and issue a certificate according to the certificate issuing procedure in step C04. The user computer authentication process 20 then downloads the certificate in step A02 and confirms the user account according to the authentication confirmation (B02) from the authentication server 60. The downloaded certificate is encrypted and stored in the authentication information DB 11D of the portable personal information storage medium 10. Therefore, when the user himself uses it in the future, the certificate issue can be omitted again. As described above, since the authentication forms a PKI-based structure, a secret key is assigned to the user, so that the user can be identified as the user. Of course, if you lose your private key or there is a risk of theft, you can revoke the issued certificate and reissue it.

The user authentication confirmation process after the initial certificate issuance according to an embodiment of the present invention is stored in the authentication information DB 11D of the portable personal information storage medium 10 in the user computer 20 as shown in FIG. 3B. After verifying the certificate in step A04, it requests the authentication server 60 (B03). Then, the authentication server 60 receives the certificate (C05), searches the DB in step C06, if authentication is confirmed in step C07, and confirms the authentication (B04), the user computer 20 is authenticated in step A05.

4A to 4C are flowcharts illustrating the entire process for performing electronic account book function and Internet financial transaction of the comprehensive asset management system using a portable storage medium according to an exemplary embodiment of the present invention. ) Is connected to the USB port of the computer 20, for example, by running a comprehensive asset management program to connect to the Internet, one-click automatically to each bank and financial institution server 50 of each credit card company It shows how to perform comprehensive asset management that can log in and perform one-click financial transactions. 4a to 4c also support electronic account book functions additionally supported by the comprehensive asset management program to comprehensively manage online financial transaction details, perform calculations / analysis, and comprehensively plan expenses. It shows how to perform a comprehensive asset management method that can be managed.

First, in step 401 of FIG. 4A, the computer 20 examines whether the execution of the comprehensive asset program is selected by the user, and proceeds to step 405 when the execution of the comprehensive asset program is selected, and in step 403 when another function is selected. Proceed to perform the function.

In step 405, the computer 20 detects whether the portable personal information storage medium 10 is connected to a USB port (may be a Bluetooth wireless port, an infrared wireless port, or an RF wireless port). If the portable personal information storage medium 10 is connected to the USB port 24, the process proceeds to step 411, if not connected to step 409 to display an error message on the monitor screen.

In step 411, when the portable personal information storage medium 10 is connected to the computer 20, a request for inputting an ID and password for user identification is performed, and an ID and password for user identification are registered. If the ID and password match, the process proceeds to step 413.

If the user selects the Internet connection in step 413, the computer 20 accesses the Internet through the network access process 25, and then proceeds to step 415. If the Internet selection is not selected, the computer 20 proceeds to step 421.

In step 415, the computer 20 automatically accesses the comprehensive asset management server 40 to automatically update the comprehensive asset management program.

Thereafter, the computer 20 proceeds to step 417 and when the update of the comprehensive asset management program is completed, proceeds to step 419 to re-execute the comprehensive asset management program.

Thereafter, in step 421, the computer 20 checks whether the electronic account book function is selected by the user. If the electronic account book function is selected, the computer 20 proceeds to step 425. Check if internet financial transaction function is selected. If the electronic account book function is selected in step 421, the computer 20 proceeds to step 425 to perform a user selection mode according to the electronic book account function.

Electronic account book function according to the present invention is integrated management of online transaction history, such as Internet banking, credit card, the user can directly input / modify / delete offline items, simultaneous integration management with the Internet transaction function, in addition to household account book Input mode (step 427), account book analysis mode (step 433), and household prediction mode (step 439) are performed.

In step 427, in the account book input mode, the computer 20 executes the account book input screen in step 429 and provides the user with the account book input. In step 431, the final account book input data such as the contents / modifications / delete contents input by the user directly is provided. The data is encrypted and stored in the database 11 of the portable personal information storage medium 10.

In addition, in step 433, the computer 20 performs the step 435 to execute the asset analysis screen. When the asset analysis screen is provided, in step 437, the computer provides a table or graph analysis screen for the total assets / liabilities and assets / liabilities by account, and detailed search by item, analysis unit, period, asset type, etc. It provides one-click easy inquiry screen.

In addition, in the household prediction mode of step 439, the computer 20 executes the household prediction screen by performing step 441, and inputs, manages, an alarm function for an input item, a card payment date, etc. It provides well-known functions, analysis of consumption status, and expense management screen.

In step 443, the computer 20 checks whether there is a click for selecting an Internet financial transaction from the user, and proceeds to step 445 if the electronic account book function is performed.

On the other hand, if there is a click to select an internet financial transaction from the user in steps 423 and 443, the process proceeds to step 445 of FIG. 4C to check whether the computer 20 is connected to the Internet 30. If it is not connected to the Internet 30, the process proceeds to step 447 to display an Internet access error message on the screen and proceeds to step 467.

However, if the computer 20 is already connected to the Internet 30, the version of the comprehensive asset management program running in connection with the comprehensive asset management server 40 is compared with the final comprehensive asset management program version, and the version If it matches, the process proceeds directly to step 457, and if the lower version proceeds to step 451, the computer 20 automatically downloads the comprehensive asset management program from the comprehensive asset management server 40 and updates it automatically. Upon completion, proceed to step 455 to re-run the comprehensive asset management program, and then proceed to step 457.

In step 457, the computer 20 reads out the database 11 of the portable personal information storage medium 10 and checks the internet financial transaction of each bank and credit card company registered in the security information DB 11D of the database. Automatic log-in process proceeds based on registered security information. The automatic login-in process for each bank and credit card company's Internet financial transaction is performed by multiple banks through user authentication and automatic login of ID and password as shown in FIG. 3B for internet transactions of registered banks and credit card companies. Automatically and simultaneously perform user authentication and login on the server 50 of multiple credit card companies.

If the automatic log-in is completed in step 459, the process proceeds to step 461. In step 461, the computer 20 executes a financial transaction screen for internet banking and credit card transactions. The financial transaction screen is provided with a screen for trading by selecting a bank, a transaction account book, a credit card company.

In operation 463, the computer 20 encrypts online transaction details and changes, such as account information and transaction information, according to the financial transaction of the user in the security information DB 11D of the portable personal information storage medium 10. Save it.

If there is a click to end the Internet financial transaction from the user in step 465 or the click to end in step 467, the computer 20 proceeds to step 469 to recall the final data changed according to the execution of the comprehensive asset management program. After encrypting and storing in the database 11 of the portable personal information storage medium 10, the execution of the comprehensive asset management program according to the present invention ends.

On the other hand, the computer 20 is a site that requires a session only once the site is connected once the site to maintain the session automatically by periodically clicking on the website for the session to improve the speed when connected.

In addition, the computer 20 produces the click information and the input data information of the website into a library or a database so that the administrator can easily reconfigure and service the website when it is changed.

As described above, the comprehensive asset management method using the portable personal information storage medium according to the present invention can simultaneously manage various banks, credit cards, and multiple accounts through a single login, and is a portable storage medium such as a USB flash memory. It is possible to encrypt and store security information such as certificate, account information, transaction information, and carry using, so that simple and secure internet financial transaction can be performed.

On the other hand, in the detailed description of the present invention has been described with reference to specific embodiments, of course, various modifications are possible without departing from the scope of the invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined not only by the scope of the following claims, but also by the equivalents of the claims.

As described above, according to the present invention, a comprehensive asset management method using a portable personal information storage medium can simultaneously manage various banks, credit cards, and multiple accounts through a single log-in, and can carry a portable storage such as a USB flash memory. Security information such as certificates, account information, and transaction information can be encrypted and stored using a medium, so that the verification process is simple and simple during financial transactions using the Internet, and there is an advantage of ensuring the security of personal information.

In addition, the present invention can manage important information such as account information, personal information, transaction information, household account information through a portable storage medium through encryption, and register and manage various types of assets such as banks, credit cards, debt, cash, etc. In addition, there is an advantage that can be quickly and securely performed by the automatic log-in of the account book and online transactions such as banks, credit cards.

Claims (10)

In a comprehensive asset management method using a portable storage medium: Encrypting and storing various log-in information including a certificate password for automatic log-in of internet financial transactions through a plurality of banks and credit card companies in the portable storage medium, and connecting to a communication port of a computer if necessary ; When the portable storage medium is connected to the computer, a comprehensive asset management program is executed to connect to the Internet, thereby automatically logging in to the servers of registered banks and credit card companies to automatically log in the Internet financial transactions stored in the portable storage medium. Automatically logging in to each registered bank and credit card server through various log-in information, including a certificate password for the user; Executing a financial transaction screen for internet banking and credit card transactions after automatically logging in to the registered banks and credit card companies, and executing internet financial transactions according to user selection; And Encrypting and storing online transaction details and changes, such as account information and transaction information, according to the user's Internet financial transaction on the portable personal information storage medium; and a comprehensive asset using the portable storage medium. How to manage. The method of claim 1, If the computer is connected to the Internet by executing a comprehensive asset management program while the portable storage medium is connected to the computer, access the comprehensive asset management server to automatically download and update the final comprehensive asset management program, and then update the updated comprehensive asset management program. Re-executing; Comprehensive asset management method using a portable storage medium, characterized in that it further comprises. The method of claim 2, The user certificate issued through the authentication process with the new bank and credit card company's authentication server connected through the Internet is stored in the portable storage medium, and if the authenticated user certificate exists in the portable storage medium, a separate certificate issuing procedure The process of authenticating the user through the authentication password verification to omit; Comprehensive asset management method using a portable storage medium, characterized in that it further comprises. The method of claim 1, When the comprehensive asset management program is executed while the portable storage medium is connected to the computer, integrated management of online transactions such as Internet banking and credit card is managed in the Internet or non-Internet connection state, and the user directly inputs / modifies offline items. A method of comprehensive asset management using a portable storage medium, further comprising the step of executing, by user selection, an electronic account book function capable of deletion / deletion and simultaneous management with an internet transaction function. The electronic account book function according to claim 4; An account book input mode which executes an account book input screen and provides the user with the final account book input data such as contents / modifications / delete contents directly input by the user and stored in the portable personal information storage medium; When the asset analysis screen is provided by executing the asset analysis screen, the entire asset / liability and asset / liability status by account are provided as a table or graph analysis screen, and detailed search by item, analysis unit, period, asset type, etc. , Household account analysis mode that provides a simple click screen, It executes the household forecast screen, and has a household forecast mode that provides input and management of future expenditure details, alarm function for inputted items, well-known functions for card payment amount and settlement date, analysis of consumption status and expenses management screen. Comprehensive asset management method using a portable storage medium, characterized in that. The method of claim 1, Comprehensive asset management method using a portable storage medium, characterized in that the communication port is a USB port. The method of claim 6, The portable storage medium is a USB flash memory, characterized in that the comprehensive asset management method using a portable storage medium. 8. The method of claim 7, wherein the portable storage medium; Database that stores other data such as comprehensive asset management installation program, management data, A user information database for storing personal information such as user name, social security number, address, marital status, age, birthday, occupation, work address, contact information, hobby, etc. Registered ID / password database that stores site name, site internet address, ID, password information, An unregistered ID / password database that stores ID and password information for new subscriptions or changes, Various logs, including digital certificates issued by the authentication server, account information of each bank or credit card, card information, personal information, transaction information, account book information, and certificate passwords for automatic login of financial transactions. Comprehensive asset management method using a portable storage medium characterized in that it comprises a security information database that stores the information. The method of claim 8, The site once accessed by the computer only for the website requiring session maintenance further comprises the step of periodically clicking on the website for session maintenance so that the site automatically maintains the session. Comprehensive asset management method using storage media. The method of claim 9, And producing the click information and the input data information of the website by the computer into a library or a database.