KR20020061092A - Method for operating mobile finance business using Personal Digital Assistants - Google Patents

Abstract

PURPOSE: A method for operating a mobile financial business is provided to process the mobile financial business in real time by installing financial business software to the PDA(Personal Digital Assistant) and linking with a server of the financial group. CONSTITUTION: The PDA initializes the entire works by reading a basic environment file(S1). For the user certification, the PDA asks an ID and a password to a user and judges the ID and the password inputted by the user(S2). In case that the ID and the password inputted by the user is equal, an initial form comprising the menus of the financial business software is loaded to a display in order to enable the user to select a menu(S4). The menu comprises a bank introduction form(S5), a mobile reception/payment form(S6), a subtraction design form(S7), a deposit and installment savings introduction form(S8), a loan guide form(S9), and an environment configuration and user information form(S10).

Description

Method for operating mobile finance business using Personal Digital Assistants}

The present invention relates to the operation of financial services. In particular, by installing financial business software on a personal information terminal, a personal business that enables real-time business processing without financial limitations in general at a specific place or time using a personal information terminal. The present invention relates to a mobile financial business operation method using an information terminal.

In general, personal digital assistants (hereinafter, referred to as PDA's) are miniature computers that can be referred to as personal portable computers.

Such personal information terminals include PDA, Paml-Size PC, Hand-PC, Pocket-PC, etc.

In the beginning, address book management, schedule management, memo pad, and multi-function calculator functions have recently been used for various applications such as internet, PC communication, e-mail function, and games.

PDA, as mentioned above, stands for Personal Digital Assistant, which is translated into a portable information terminal or personal information terminal.

Its features are smaller computers, much smaller than laptops, and have significantly more computing power than electronic notebooks.

Since the overall size is small, the size of the display device (LCD) is limited, and it is also based on a pen input for writing by using a pen to recognize characters.

Personal information management programs such as schedule management, address book, notepad, etc. are provided, and data can be exchanged freely through connection with a PC. In addition to the built-in programs, new programs can be installed and used.

Recently, with the development of wireless communication, Internet access through PDA is possible, and PDA is newly pioneering wireless internet field.

And PDAs can improve the inefficient way of managing personal information through built-in programs and additional applications. In addition, by providing personal information management program for PC corresponding to personal information management programs of PDA, it supports modification, addition, and backup of inputted information by connecting PDA and PC. Presenting.

Another advantage of PDAs is that they allow you to connect to your mobile phone and connect to the Internet wherever you are. In other words, the main functions of the Internet such as web page search, e-mail transmission, PC communication and stock trading are available in PDA.

Recently, PDAs can be used in specific fields to maximize work efficiency, away from the basic use of personal information management, and various researches are underway for use in sales management automation, transportation and inventory management, and financial industry.

It is an object of the present invention to develop and install financial business software on a PDA as described above, and to perform mobile financial services using a personal information terminal capable of real-time business processing as in the office of a financial service performed externally in conjunction with a server of a financial institution. It is to provide an operation method.

According to a feature of the present invention for achieving the above object, the first step of the personal information terminal with the built-in financial services software to run the financial services software to wirelessly connect to the financial services server that stores a plurality of financial services; And a second step in which the personal information terminal selects one of the plurality of financial sector tasks, and a third step in which the financial sector business server transmits detailed information about the selected financial instrument to the personal information terminal. .

1 is a block diagram illustrating a financial business operation system for explaining a financial business operation method using a personal information terminal according to the present invention.

2 is a flowchart illustrating a variety of financial business operation method using a personal information terminal according to the present invention

3 is a flowchart illustrating a financial business operation method using a personal information terminal according to the first embodiment of the present invention.

4 is a flowchart illustrating a financial business operation method using a personal information terminal according to a second embodiment of the present invention.

5 is a flowchart illustrating a financial business operation method using a personal information terminal according to the third embodiment of the present invention.

6 is a flowchart illustrating a financial business operation method using a personal information terminal according to a fourth embodiment of the present invention.

7 is a flowchart illustrating an environment setting method of a personal information terminal according to the present invention.

* Description of the symbols for the main parts of the drawings *

1 personal information terminal 2 mobile carrier network

3: public switched network 4: financial service providing server

Hereinafter, a configuration and an operation according to an exemplary embodiment of the present invention will be described with reference to the accompanying drawings.

1 is a block diagram showing a financial business operation system for explaining a financial business operation method using a personal information terminal according to the present invention.

The configuration of the operation system for executing the financial business operation method using the personal information terminal according to the present invention is a detailed purpose guide, interest rate guide, interest and principal when applying the interest rate and deposits and loan products commonly held in various financial sectors and By providing information such as tax notices and qualifications, information on insurance, deductions, and various profits, such as businesses that each financial sector is doing separately, is provided for each product, and the price or quotation is notified. A plurality of personal information terminals (1) with built-in software for enabling real-time banking and storage services for customers, and a server (4) for storing the business of each financial sector for each category, and the personal A mobile communication business providing a wireless data communication path between the information terminal 1 and the server 4 Consists of a foil (2) and the public switched telephone network (3).

Here, the plurality of PDAs 1 may be integrated with a communication module in order to exchange data with the server 4 or may include a mobile terminal (MOBILE TERMINAL) (for example, a personal digital assistant (PCS) and a digital cellular network (DCN). ), Etc.).

The personal information terminal 1 first connects to a communication line of the mobile communication provider network 2 provided by the mobile communication provider. Then, the service connected to the public switched telephone network 3 is selected. After that, the public telephone exchange network 3 is connected to the server 4.

The server 4 is connected to an internal or external modem (MODEM: MODulation DEModulation (not shown)) is finally connected to the DB (Data Base) (not shown) of the server. These operations are internally performed to perform data communication between the PDA 1 and the server 4.

2 is a flowchart illustrating various financial operations management methods using a personal information terminal according to the present invention.

In various financial business operation methods using the personal information terminal according to the present invention, as shown in FIG. 2, if any user starts the financial business operation software while the PDA is turned on, the PDA reads the basic environment files to complete the work. Initialize them (S1).

Then, before starting the mobile financial business in earnest, the user is asked an identifier (ID) and a password for user authentication, and it is determined whether the input identifier and the password are correct (S2).

As a result of determination (S2), if the ID and password of any user match, the first form (hereinafter referred to as "MENU") consisting of menus of the financial services software is ELD loaded (S3) so that the users can enter the menu. Allow selection (S4).

At this time, the menu is the first part (S5) to introduce the bank, the second part (S6) to carry out the storage, the third part (S7) to carry out the deduction design, the fourth, the part to introduce and calculate the savings ( S8), fifth, a portion S9 for guiding the loan, and sixth, a portion S10 for applying environment settings and user information, and the like.

The introduction of the bank is the introduction of the bank in Korea and abroad. The bank's capital, management status (such as the BIS or annual profit or loss), bank location, telephone number, The Internet address can be found (S11).

3 is a flowchart illustrating a financial business operation method using a personal information terminal according to the first embodiment of the present invention.

In FIG. 3, the flow from the menu selection D4 in FIG. 2 to the shed storage portion D6 is shown. When the shed storage D6 is selected, the internal database is checked (S13). Subsequently, the selection menu S14 is provided to any user, and when the user selects one of the input input form D15, the inquiry inquiry form S16 and the application counting form S17, the next situation is advanced.

In other words, if the blowout input form S15 is selected, it is determined what the next input selection is (S26).

It is determined whether there is an amount input (S27), a reception / send (S28) or a button operation (S29) for each determination result (S26), to determine whether to proceed (S30). At this time, in the input input, there is an amount input part for reading and storing data from an internal database, and a keyboard interface for receiving and transmitting the data to the server or reading new data, and up, down, and page change are provided. Then, it is determined whether to proceed with each amount input (S27), receive / transmit (S28) or button operation (S29) (S30).

Finally, if no further progress, the menu returns to the selection (S39).

However, when selecting the inquiry inquiry form (S24) in the discharge menu selection (S22) to let you choose which to query (S31).

One is inquired by the user course number (S32), the other is inquired by the account number (S33). At this time, the results of the inquiry, such as personal information about the customer and the current amount of expenditure is displayed.

Also in this case, it is determined whether to proceed continuously at the time of inquiry (S32, S33) (S34), and when it is not proceeded any more, it returns to the menu selection mode (S39).

However, in the case of selecting the discharge aggregation form (S25) in the discharge menu selection (S22), it is possible to select what to aggregate (S35).

Also in this case, it is determined whether to proceed with each inquiry (S32, S33) (S34), and when it is not proceeded any more, it returns to the menu selection mode (S39).

2-3) Discharge aggregation function is designed to find out at a glance how much discharging work has been carried out, the number of work performed by the employee relative to the total number is output (S36) by product type for each number It becomes (S37).

In this case, it is determined whether to continue or not (S38). If no further processing is made, it returns to the menu selection mode (S39).

4 is a flowchart illustrating a financial business operation method using a personal information terminal according to a second embodiment of the present invention.

Figure 4 shows the flow chart for the deduction design part, when the deduction design starts, the basic deduction design table is loaded into the PDA (S41), according to the deduction menu selection (S42), life deduction (S43) or damage deduction (S50) Preparations are made to provide the service.

If the user selects a life deduction, there are various products to be selected therein (S44), for example, health deduction (S45), a lot of deduction (S46), daughter son love deduction (S47) and membership bonus deduction (S48). . The kind of such a product can be changed as many as the user demands.

And even if the deduction of damages can be selected a variety of products (S51).

For example, the cash theft deduction (S52), identity guarantee deduction (S53), fire deduction (S54) and long-term fire deduction (S55) is that, and the type of goods can be changed at any time according to the user's request.

In such a deduction menu, it is asked whether or not to proceed with another product after the detailed progress of each deduction product (S49, S56) and accordingly returns to the menu selection at the end of the process (S57).

5 is a flowchart illustrating a financial business operation method using a personal information terminal according to the third embodiment of the present invention.

5 shows the types of deposits and deposits that are the bank's own business, details of product, interest rate, characteristics of the products, etc. and calculates them in various ways such as compounding, isolation, down payment, and payment. Give The types of products are designed to be modified and changed as much as possible.

When the basic database of deposits and savings products is loaded (S60), the user decides whether to view the product type service containing the details of the products (S62), and to select a deposit and savings calculation calculated by applying a direct interest rate (S69). ).

When the user selects a product type (S62), a detailed description of the product is posted. That is, the types of deposits and savings are disclosed (S64), the product is explained (S65), the interest rate is disclosed (S66), and the characteristics thereof are disclosed (S67).

If the user selects the deposit and deposit calculation (S69), it can be calculated in various ways such as down payment (S71), down payment (S72), compounding (S73) and isolation (S74). Can be added according to user needs.

In the example and the savings menu, the detailed information about each type or calculation is then asked whether or not to continue with other types or calculations (S68, S75), and accordingly, the menu returns to the menu selection at the end of the processing (S76).

6 is a flowchart for explaining a method for operating financial services using a personal information terminal according to a fourth embodiment of the present invention.

Fig. 6 is a routine for processing a loan operation, which is a bank-specific affairs, similar to deposits and deposits. The flowchart is similar to deposits and deposits.

First, if this function is selected, the basic database necessary for the lending operation is loaded (S81), and waits for the user's selection (S82).

In order to know the loan product in detail, the user must select a loan type (S83).

Selecting a kind provides a detailed description of the product, such as kind (S85), product contents (S86), interest rate (S87), and characteristics of the product (S88).

And the user selects the loan calculation in order to apply the interest rate and interest of the loan product (S90). If the correct interest rate is applied there, all information related to money, such as interest and tax, is disclosed (S91).

In such a loan menu, it is asked whether or not to proceed with the different types or calculations after the detailed progress for each type or calculation (S89, S92), and accordingly returns to the menu selection at the end of the process (S93).

7 is a flowchart for explaining a method for setting an environment of a personal information terminal according to the present invention.

7 is a part in charge of all the configuration of the mobile banking business, when this function is executed (S101), a database of basic forms and environment files is first loaded into the memory of the PDA (S102).

Here, the user can change and confirm various information. As shown in FIG. 7, the interest setting (S103), the mobile banking business (Mobile Bank)? (S104), the bank currently used and various information of the branch ( S105), ID and password information (S106) authenticating with the server, telephone number (S107) connected to the public switched telephone network (PSTN), identifier (ID) and password for authenticating the internal software of the personal information terminal. S108).

After checking and changing each piece of information, the user selects whether to proceed or return to the menu (S109).

Selection result (S109) Menu selection and return to menu (S110)

Mobile banking operation method using a personal information terminal according to the present invention is a detailed purpose guide, interest rate guide, interest rate and principal when applying the interest rate and the tax notice, qualifications, offices, etc. Information to guide customers internally to the data stored in the personal information terminal and guide the details of each business by each financial sector, such as insurance business, deduction business, various profit business, etc. by product, price or quotation In particular, it is possible to conveniently use the financial sector business by providing a notice, and it enables real-time banking and storage services that search and service current customers in a specific second financial sector.

Claims (9)

A first step in which a personal information terminal having a financial service software therein executes the financial business software and wirelessly connects to a financial business server that stores a plurality of financial business; A second step in which the personal information terminal selects one of the plurality of financial services; And a third step of transmitting, by the banking sector business server, detailed information about the selected financial product to the personal information terminal. The method of claim 1, further comprising: a fourth step of the personal information terminal authenticating the personal information terminal when the financial business software is executed in the first step; And a fifth step of loading menus related to the banking business on the display unit of the personal information terminal if the authentication is successful. The mobile finance according to claim 2, wherein the menu includes any one or more of a bank introduction, a bank account, a deduction design, a deposit, an introduction of a deposit, a loan guide or an environment setting, and user information application. How we do business. 4. The bank introduction menu of claim 3, wherein the bank introduction menu includes at least one of domestic or foreign bank capital, management status (e.g. capital ratio (BIS), yearly profit or loss), branch location of the bank, telephone number or internet address. Mobile banking business operation method using a personal information terminal comprising a. The method of claim 3, wherein if the outbreak storage is selected in the second step, Confirming, by the personal information terminal, an internal database storing the contents related to the selected outgoing storage; Requesting, by the personal information terminal, the user to select one of a launch input form, a dispatch query form, and a dispatch aggregation form; When the cashier input form is selected, an amount input menu for reading and storing data related to the banking from an internal database of the personal information terminal, a reception / transmission menu for receiving or transmitting data related to the banking to the financial service server, And providing a menu related to the movement or page change of the current cursor of the display unit of the personal information terminal, and determining whether the user selects the money input, reception / transmission, or button operation. under, Determining whether one of a user course number or an account number is selected when the dispatch menu form is selected; personal information and current expenditure amount for the authenticated corresponding customer as a result of the determination result; Including the steps shown in the display unit, When the dispatch aggregation form is selected, it indicates how much of the authorized user has proceeded with the dispatch operation, and the number of work performed by the employee relative to the total number associated with the dispatch is output to the display unit of the personal information terminal Mobile banking operation method using personal information terminal. The method of claim 3, wherein if the deduction design is selected in the second step, Loading, by the financial business server, a deduction design table on a display unit of the personal information terminal; Providing either a life deduction or a deduction service; If the user selects the life deduction, providing any one of a health deduction, a lot of deduction, daughter son love deduction or membership bonus deduction, And if the user selects the deduction, further comprising providing one of cash theft deduction, identity guarantee deduction, fire deduction and long-term fire deduction. The method of claim 3, wherein when the deposit and savings introduction is selected in the third step, Notifying, by the personal information terminal, a type, a product content, an interest rate, or a characteristic of the product of a deposit and a deposit product which is a bank's own business; Personal information terminal, characterized in that for calculating the deposit and savings products in various ways, such as compound, product content, interest rate, compounding according to the characteristics of the product, isolation, down payment, or payment-based payment to the personal information terminal Mobile banking operation method used. The method of claim 3, wherein if the loan business introduction is selected in the second step, Loading a basic database necessary for the loan service into the display unit of the personal information terminal; Selecting a loan type in order for the user to know the loan product in detail; Selecting the loan type, the personal information terminal further comprising displaying a detailed description of the corresponding product, such as a loan product type, a product content, an interest rate, or a characteristic of the product, related to the selected loan type; Financial business operation method. The method of claim 3, wherein if the introduction of preferences is selected in the second step, In the display unit of the personal information terminal, the interest setting, the mobile banking business, the bank and the branch offices currently used, the ID and password information for authenticating with the server, and the telephone connected to the banking business server A number, an identifier (ID) for authenticating (or changing) internal software of a personal digital assistant and a menu relating to a change of a password are displayed.