KR20020043404A - Financial management system and method for using a network - Google Patents

Abstract

PURPOSE: A system and a method for managing financial affairs using a network are provided to enable a member to manage financial affairs of a property easily by performing a financial management as an evaluation, an enlarging method, and a keeping of a property through a network. CONSTITUTION: In a network system connected to a network terminal of a network user, a plurality of bank servers(11), a plurality of security corporation servers(12), and a CP(Contents Provider) corporation server(13) for performing a financial management, a web provision unit(110) charges an interface to the network terminal and performs a log-in process, a supply of various kinds of web pages, a member management function, a cyber household account book supply function, and a property information supply function of a member. A financial managing unit(120) charges an interface with the bank servers(11), the security corporation server(12), and the CP corporation server(13), receives property movement information from the bank server(11), receives the current stock state information from the security corporation server(12), receives the current real estate state information from the CP corporation server(13), and performs a classification and management. A property database has a predetermined memory area allocated according to members, stores property information of a member per each memory area, and supplies the store information to a web page by the web provision unit(110). A property clinic unit(130) performs an analysis function with respect to a property of a member using information stored in the property database, and performs a clinic of a property of a member.

Description

FINANCIAL MANAGEMENT SYSTEM AND METHOD FOR USING A NETWORK}

The present invention relates to a network system, and more particularly, to a financial management system and method using a network that manages member assets using a network.

In general, an asset can be divided into a real estate and real estate. A real estate refers to a fixed amount of money, such as a salary, and funds generated through a stock or financial company, and real estate refers to funds generated by land, apartments or buildings.

In general, corporations manage these assets by specific persons or teams to achieve their conservation, growth and long-term, and short-term financial goals. Individuals organize and manage their own assets.

However, in the case of a corporation, there is a problem such as a cost incurred by requiring one or a large number of people for financial management, and in the case of an individual, it takes a lot of effort and time to evaluate or increase the property owned There is a problem.

Accordingly, an object of the present invention is to enable the member to easily manage the financial of the asset by managing the financial management, such as the evaluation, augmentation scheme, maintenance of the holding assets registered by the member through a network.

1 is a conceptual diagram schematically showing a financial management method using a network according to an embodiment of the present invention.

2 is a block diagram of a financial management system using a network according to an embodiment of the present invention.

3 is a flowchart illustrating an operation of a financial management system using a network according to an embodiment of the present invention.

Financial management system using a network according to a feature of the present invention, to achieve the above technical problem,

i). In conjunction with commercial banks, securities firms and content providers (CP providers), the company checks and provides changes in real-time on the assets held by its members. Here, the CP company provides information on real estate, that is, the price of the land where the member's real estate is located or the price information of the apartment or building. The change value information of the held asset is referred to as asset change information below. In other words, the asset change information is information on the movement of funds generated for the business (input / withdrawal, bank transfer, loan, securities) processed by the bank, stock price change information, stock item information, and real estate price change information.

ii). The household's household funds, namely income and expenditure details, are provided from commercial banks, and the cyber household book is prepared and provided to the members.

iii). Provide financial products or re-taking products provided by commercial banks, securities companies, and CP companies to members, and analyze and present re-taking products corresponding to the members' own assets and cyber households to increase their assets.

iv). Diagnose and prescribe the members' assets, and provide services such as retirement design, tax treatment, and profit analysis to increase the assets.

To this end, the financial management system using a network according to the characteristics of the present invention,

In the network system connected to the network terminal of the network user, a plurality of bank server, a plurality of securities company server and CP company server to perform financial management,

A web providing unit which is in charge of the interface with the network terminal and performs a login, various web pages, a member management function, a cyber account book providing function, and a member asset information providing function;

It is in charge of the interface between the bank server, the securities company server and the CP company server to receive the money transfer information of the member from the bank server, the stock quote information of the member from the broker company server and real estate price information from the CP company server Financial management department to receive and classify and manage by the members;

An asset database having a predetermined memory area allocated for each member, wherein each member's asset information received by the asset management unit is stored and the stored information is provided as a web page for providing asset information by the web providing unit;

An asset clinic unit that performs a function of analyzing a member's assets using the information stored in the asset database and clinics the members' assets; And

And a product providing unit providing various financial products provided by the bank server, investment item information provided by the securities company, and investment information provided by the CP company server, and providing an investment product suitable for the member asset type.

Financial management method using a network according to another feature of the present invention for achieving the above technical problem,

In the network system connected to the network terminal of the network user, a plurality of bank server, a plurality of securities company server and CP company server to perform financial management,

A first step of registering asset holding information from a network user;

A second step of determining the registered asset holding information and notifying the corresponding asset holding information of the member to the bank server, the securities company server, or the CP company server;

A third step of receiving asset change information of a member from the bank server, the securities company server, or the CP company server;

A fourth step of classifying and storing the received asset change information of the member for each corresponding network user;

And a fifth step of providing the member's asset details based on the updated member's held asset information at the member's request.

Hereinafter, a financial management system and a method using a network according to an embodiment of the present invention with reference to the accompanying drawings.

1 is a conceptual diagram schematically illustrating a financial management method using a network according to an embodiment of the present invention. As shown in FIG. 1, the financial management method using the network of the present invention includes a bank server 11, a securities company server 12, a CP company server 13, and a financial management system 100 connected to a network (local line). I use it.

Financial management system 100 before receiving the member's financial information from each bank server 11, securities company server 12, CP company server 13, personal information of the member and bank account information to the bank server (11) The securities firm server 12 provides the stock account information, and the CP company server 13 provides the information of the real estate held by the member.

Thereafter, each bank server 11, securities company server 12 and CP company server 13, if there is an element that changes the financial state of the member occurs in real time, that is, information about the asset change information of the financial management system ( 100).

Financial management system 100 is a member of the asset change information received from the bank server (11), securities company server (12), and CP company server (13 balance changes in bank accounts, changes in history, changes in stock quotes, real estate quotes) Use changes to create and provide a table, chart or graph that allows a member to know his or her financial position at a glance, where a table, chart or graph created using the member's asset change information is called a book. do.

The financial management system 100 uses the financial information provided by the bank to create a cyber household book (provided when the member is an individual) and allows the member to check it through the Internet. Here, the financial information provided by the bank is information that the member notifies the banking of the utility bill payment, bank transfer, deposit / withdrawal, deposits, loans, securities quotes, etc. in the bank.

In addition, the financial management system 100 performs an asset clinic function according to a user's request in a state in which the financial state of the member is understood. In other words, it performs the asset clinic functions such as the status of member's asset holding and how it can be maximized if it is managed or how it can be used to pay off debt quickly.

In addition, the financial management system 100 provides information on the financial products provided by the bank server 11 so that members can easily access the financial products newly created by each bank at any time, and meet the financial status of the members. Analyze and provide financial products.

More specifically, with reference to Figures 2 and 3 will be described in the financial management system and method using a network according to an embodiment of the present invention.

Figure 2 is a block diagram of a cyber account book providing system according to an embodiment of the present invention. As shown in FIG. 2, the financial management system 100 using the network according to the embodiment of the present invention includes a web providing unit 110, a financial management unit 120, an asset clinic unit 130, and a product providing unit 140. , Cyber household book providing unit 150, custom product providing unit 160, Web DB 181, member DB 172, product DB 173, household book DB (174), and financial DB (175) .

The web provider is responsible for the interface with the user terminal 20 to read and provide a web page file corresponding to the request signal received from the user from the web DB 171 and manage the member DB 172 to log in.

The financial management unit 120 is in charge of the interface with the bank server 11, securities company server 12, and CP company server 13 to receive or inquire the member's asset change information from each server (11, 12, 13) Stored in the financial DB (174).

The asset clinic unit 130 reads the financial information of the member stored in the financial DB 174, diagnoses and prescribes the assets held by the member, and performs functions such as tax treatment, retirement, and profit analysis.

The product providing unit 140 reads information about the financial product provided by the bank server 11 from the product DB 173 and provides the information to the user.

The cyber account book providing unit 150 uses cyber transfer information (transfer information of funds generated by banking operations such as deposit, withdrawal, account transfer, utility bill payment, and loan) provided by the bank server 11. Create an account book and provide it to the user. At this time, the money movement information of each member is stored in the account book DB (174). Here, the account book DB 174 may be included in the financial DB 175.

The customized product processing unit 160 analyzes the financial state of the member at the request of the Internet user and presents a financial product of the bank corresponding to the financial state.

Hereinafter, the operation of the financial management system using the network according to an embodiment of the present invention with reference to FIG.

When the Internet user transmits the URL resource request signal through the terminal 20, the web provider 110 in charge of the interface with the user terminal receives the URL resource request signal transmitted from the user terminal 20 and After connecting with the terminal 20, the home page file information or login file information is read from the web DB 151 and transmitted to the user terminal 20 (S310).

Then, the user checks the home page window or the login window through the monitor of the terminal 20 and requests a member registration window if the user is not an existing member in order to obtain access approval. Fill in. The ID and password entered by the user are received by the web providing unit 110, and the web providing unit 110 compares the information with the contents stored in the member DB 152 to approve access (S311 and S312).

If the user is a non-member, the user requests a member registration window, and the web providing unit 110 transmits the member registration file from the web DB 181 to the user terminal 20 to provide personal information, a bank, and a bank account number. After receiving and storing the trading securities company, the securities account number, the real estate information, etc., and authenticate the member (S313).

When a new member is registered, the web provider 110 may provide new member information and financial information (bank, bank account number, securities company, securities account number, real estate information) to the bank server 11, the securities company server 12, and the CP. The company server 13 transmits the corresponding information.

Then, the bank server 11 reads the member's financial information and personal information received from the web provider 110 to determine whether the member is a trader, and if the member is a trader, each time the member performs banking operations thereafter. Money transfer information and transaction history information is transmitted to the system 100 (S315).

The securities firm server 12 reads the financial and personal information of the member received from the web providing unit 110 to determine whether the member is a trader, and if it is a trader, changes in the stock price of the stock held by the member and information on the amount of money held. Etc. are transmitted to the system 100 (S315).

In addition, the CP company server 13 reads the financial and personal information of the member received from the web provider 110 to determine the real estate information (apartment, building, or land) held by the member, Whenever the price information changes, it is transmitted to the system 100 (S315).

The financial management unit 120 receives information such as the member's entry / exit history, utility payment history, loan information, interest generation information, and securities quotes from the bank server 11, and the stock held by the member from the securities company server 12. Receives information on the current price of the company, holdings and quantity, balance, and the like, and receives information on the changing price of the real estate held by the member from the CP company server (13). At this time, each server (11, 12, 13) is added to the code signal to know the information of the member to transmit the signal.

As a result, the financial management unit 120 classifies the financial information received from the servers 11, 12, and 13, that is, asset change information by members, and stores them in the memory area of the corresponding member in the financial DB 175. Here, the financial DB 175 stores the memory classified by members and stores the financial information provided by the bank server 11, the securities company server 12, and the CP company server 13.

The content stored in the financial DB 175 is provided to the member as a web page representing the financial information as a schedule table.

Meanwhile, the money movement information provided by the bank server 11 is stored in the account book DB 174 together with the financial DB 175, and the information stored in the account book DB 174 serves as basic data for creating a cyber account book.

Therefore, the asset change information of the member provided by the bank server 11, the securities company server 12, and the CP company server 13 is automatically transferred to the system 100 when there is a change in real estate and stock quotes or financial activity of the member. Received and stored in the financial DB 175 or the account book DB 174, the stored information is linked to a web page with the financial management book content or a web page with the cyber household book content to the member's request according to the member's request. Provide the member with the financial status or the web page of the cyber household account (S316, S317).

This enables members to know, without personal effort, how much value their assets currently have and their financial status through the system 100 of the present invention.

Here, if a member requests a financial clinic to the system 100 of the present invention in order to know whether his or her financial state, that is, the form of investment of the asset is appropriate, the asset clinic unit 130 is a member of the member in the financial DB (175) Read, analyze, diagnose and prescribe financial information. That is, the asset clinic unit 130 notifies the member whether or not the current member's asset investment form is appropriate. In addition, the asset clinic unit 130 is responsible for a function such as a savings plan for retirement, advice on various financial products, tax advice, financial product simulation (S318).

When the member who grasps his or her financial status by the asset clinic unit 130 requires an appropriate investment form for his or her financial status, the personalized product processing unit 160 reads the financial status information of the member stored in the financial DB 175. After indenting and analyzing the financial product information stored in the product DB 173, a financial product corresponding to the financial state of the member is found and provided to the member (S319).

Meanwhile, the financial product information stored in the product DB 173 may be a financial product provided by one bank or a financial product provided by a plurality of banks.

Then, the member can check the financial status of the household (or corporation) that changes at any time through the financial management unit 120 of the system of the present invention in real time or on demand, and the household (or corporation) through the asset click nick unit 130 You will receive analytical information and advice on the financial position of the financial position of the).

In addition, the member can quickly check the financial products provided by each bank through the product providing unit 140 of the present invention, the investment strategy to meet the financial status of the household (or corporation) through the custom product processing unit 160 Can be provided.

Although the above has been described with reference to a preferred embodiment of the present invention, those skilled in the art will be able to variously modify and change the present invention without departing from the spirit and scope of the invention as set forth in the claims below. It will be appreciated.

According to the embodiment of the present invention through the above description, the present invention has the effect that the financial state of the household or corporation is automatically created and managed in consideration of the change value, so that the network user can easily check his or her financial state. In addition, the present invention is effective to determine the financial status of the member by analyzing and advise the financial status of the member. In addition, the present invention has the effect of providing a wealth increase opportunity by providing an asset investment product appropriate for the financial status of the member.

Claims (10)

In the network system connected to the network terminal of the network user, a plurality of bank server, a plurality of securities company server and CP company server to perform financial management, A web providing unit which is in charge of the interface with the network terminal and performs a login, various web pages, a member management function, a cyber account book providing function, and a member asset information providing function; It is in charge of the interface between the bank server, the securities company server and the CP company server to receive the money transfer information of the member from the bank server, the stock quote information of the member from the broker company server and real estate price information from the CP company server Financial management department to receive and classify and manage by the members; An asset database having a predetermined memory area allocated for each member, wherein each member's asset information received by the asset management unit is stored and the stored information is provided as a web page for providing asset information by the web providing unit; And A financial management system using a network including an asset clinic unit for performing an analysis function of a member's assets using the information stored in the asset database to clinic the member's assets. In claim 1, Further comprising a product providing unit for providing a variety of financial products provided by the bank server, investment item information provided by the securities company and investment information provided by the CP company server, and provides an investment product suitable for the member asset type Financial management system using network. In claim 1, The asset clinic department, Analyzing the financial state of the member stored in the asset database, the financial management system using a network, characterized in that to perform asset management, tax treatment, or revenue analysis on retirement. In claim 1, The cyber account book, Financial management system using a network, characterized in that the funds movement information of the member provided by the bank server is automatically recorded. In claim 1, The financial management unit, After classifying the financial information of the member provided by the bank server, the securities company server and the CP company server for each member, the financial information of the classified member is processed to calculate the current financial status of the member, and the calculated financial status is recalled. A financial management system using a network, characterized in that the member's real-time financial status to be stored in the household database to inform the member in a web page by the web provider. In the network system connected to the network terminal of the network user, a plurality of bank server, a plurality of securities company server and CP company server to perform financial management, A first step of registering asset holding information from a network user; A second step of determining the registered asset holding information and notifying the corresponding asset holding information of the member to the bank server, the securities company server, or the CP company server; A third step of receiving asset change information of a member from the bank server, the securities company server, or the CP company server; A fourth step of classifying and storing the received asset change information of the member for each corresponding network user; 5. A financial management method using a network comprising the fifth step of providing a member's asset details based on updated membership information of the member. In claim 6, The third step, Financial management method using a network, characterized in that the asset change information of the member received from the bank server or the securities company or the CP company server is real-time information. In claim 6, And analyzing a member's owned asset information stored by the fourth step to clinics the member's financial status. In claim 6, And storing the financial product information provided by the bank server and providing the same to a network user. In claim 6, Analyzing the asset information of the member stored by the fourth step and presenting a financial product or a real estate product in accordance with the financial status of the member.