KR20060086131A - Cyber financial business system and method, media for recording a program for performing the method - Google Patents

Abstract

The present invention stores user information necessary to perform e-commerce and financial transactions using the Internet in a storage module that is portable and accessible to an Internet access terminal, and performs e-commerce and financial transactions using the information stored in the storage module. Disclosed are a cyber financial transaction system, a financial transaction method for carrying out procedures necessary for electronic commerce and financial transaction using the system, and a recording medium storing a program for performing the financial transaction method.

The cyber financial transaction system of the present invention performs a financial transaction through the Internet, accesses the Internet through a modem, browses a web page operated on a site on the Internet by driving a browser, and analyzes the browsed web page. And an internet access terminal for substituting information stored in a storage unit into a variable included in an interface provided at the site provided for cyber electronic financial transaction. And a storage module for storing and providing the user information corresponding to the access of the Internet access terminal by having the storage unit storing at least user information including financial related information.

Description

Cyber financial business system and method, media for recording a program for performing the method}

1 is a block diagram illustrating a preferred embodiment of a cyber financial transaction system in accordance with the present invention.

2 is a block diagram illustrating another embodiment of a cyber financial transaction system in accordance with the present invention.

3 is a flow chart illustrating a login method according to the present invention.

4A to 4C are exemplary views of windows executed upon login.

5 is a flow chart illustrating a fill-in method in accordance with the present invention.

6A and 6B show exemplary windows provided for drag-and-drop.

7 is a flow chart illustrating a preferred embodiment of a financial transaction method in accordance with the present invention.

8A to 8H are exemplary views of a window executed by performing the method of FIG.

9A to 9C are exemplary views of a window for explaining another embodiment of a financial transaction method using a system according to the present invention.

The present invention relates to a cyber financial transaction system, and more particularly, to store user information necessary to perform e-commerce and financial transactions using the Internet in a storage module that is portable and accessible to an Internet access terminal, and stored in the storage module. A cyber financial transaction system for performing e-commerce and financial transactions using information, a financial transaction method for performing e-commerce and financial transactions using the system, and a program for performing the financial transaction method A recording medium.

Recently, the Internet has been widely used and widely used, and various web sites and various contents are provided on the Internet.

Therefore, Internet users usually use multiple shopping mall sites, community sites, and electronic financial transaction sites, and users log in by entering their ID and password or enter personal information to use the site. You need to sign up, enter your shipping information, or enter your electronic financial information.

In order for a user to register as a member on a specific site operated on the Internet, it is cumbersome to input a lot of personal information every time. In addition, the user must remember and enter the login ID and password for each site in order to log in to the site to which the user has subscribed. However, as more and more sites are used, there is a limit in that a user remembers and uses a large number of IDs and passwords. In addition, the user must enter a lot of information necessary for the authentication process and the account transfer process for electronic financial transactions, it is difficult to proceed with the procedure by inquiring this one by one.

On the other hand, the user can use the Internet for the use of the above-mentioned sites or electronic financial transactions in various places such as a company, home, or PC room, and if necessary, log in or execute e-commerce by entering personal information. At this time, there is a problem that the user information is leaked due to the login information or management error.

Therefore, as described above, a method of easily and securely managing personal information for using various sites provided on the Internet, and suggesting a method of easily using personal information in executing cyber transactions such as electronic commerce or electronic financial transaction is suggested. It is necessary.

An object of the present invention for solving the above problems is to manage user information such as login information, personal information, financial information and URL information of a site used by a user in a storage unit, and the storage unit can be easily used in a terminal that can use the Internet. To make it accessible.

Another object of the present invention is to store details such as the user's login, e-commerce and electronic financial transaction in the storage unit while the storage unit storing the user information is connected to the terminal which can use the Internet. By managing, user information is managed at the storage unit level.

Still another object of the present invention is to ensure the security by using the user information as the storage range of the user information stored in the storage unit is limited to the storage unit.

Still another object of the present invention is to allow user information stored in the storage unit to be linked to login, electronic commerce, and electronic financial transaction to be conveniently used for automatic login, filling, and authentication.

Still another object of the present invention is to provide convenience for managing the user information on an electronic chip using a smart card while connecting the electronic chip to an internet access terminal which can be wired or wirelessly connected through a USB port or the like. .

The cyber financial transaction system according to the present invention for achieving the above object performs a financial transaction via the Internet, accessing the Internet through a modem, and browses the web page running on the site by running a browser An internet access terminal; And a storage unit storing at least user information including financial related information, analyzing the browsed web pages, and storing the user information in a variable included in an interface provided at the site provided for cyber electronic financial transactions. And a storage module for substituting the stored information.

Here, the storage module analyzes the web page accessed by the browser, extracts variables included in the interface provided by the site, and operates the web page by filling the tag and variable information with data stored in the storage unit. An analysis module for transmitting to the corresponding server; A manager for controlling the filling of variables contained in the interface of data stored in the storage unit; A history database for storing a history of the history performed by the manager; And a storage unit storing at least user information including financial related information.

The cyber financial transaction system according to the present invention performs financial transactions through the Internet, accesses the Internet through a modem, browses a web page operated on a site on the Internet by driving a browser, and browses the browsed web page. An internet access terminal for analyzing and substituting information stored in a storage unit into variables included in an interface provided at the site provided for cyber electronic financial transactions; And a storage module for storing and providing the user information corresponding to the access of the Internet access terminal by having the storage unit storing at least user information including financial related information.

The user information may include login information, personal information, financial information, and URL information. The financial information may include card related information, deposit related information, accredited authentication related information, transfer related information, and security code related information. have.

The Internet access terminal is preferably configured to be able to access the Internet using at least one of wired and wireless.

The storage module may be configured as one of a smart card, a semiconductor memory chip, and a removable storage device using a hard disk or a compact disk, and may be any one of a USB port, a serial port, a parallel port, and contactless wireless communication. It may have a configuration that is connected to the Internet access terminal.

The storage unit is dedicated for signature, encryption, and additional information having a separate identifier corresponding to an access authenticated by the master file, an internal basic file which is a password file, an authentication using the internal basic file, and the master file. A file may be provided, and additional information may be stored in the remaining space of the memory map.

The storage module may be used for chip authentication and path verification when the Internet access terminal of the storage unit accesses while managing the identifier as data link information.

In addition, the storage unit stores the interface for a predetermined financial transaction to include the data of the storage unit matched to the interface in either of the storage module or the Internet access terminal in the interface to approve the financial transaction. It can be transmitted through the Internet as data for.

In addition, the cyber financial transaction method according to the present invention, using the storage unit having at least the user information including the financial information to perform the electronic financial transaction corresponding to the web page on the Internet, browsing and analyzing the web page ; Driving a manager to perform the electronic financial transaction in response to the analyzed web page, and performing matching by filling some user information stored in the storage unit with a variable for the electronic financial transaction; And completing the electronic banking transaction by transmitting the web page on which the filling is performed through at least the encryption step including authentication, through the Internet.

In addition, the cyber financial transaction method according to the present invention comprises the steps of performing an electronic financial transaction using a storage unit having at least user information including financial related information, and selecting a function for performing the electronic financial transaction; Performing authentication using the user information stored in the storage unit at least in accordance with the function selection, including authentication for use in the storage unit; Providing an interface corresponding to the function stored in the storage unit when the authentication is completed; And filling the variable included in the interface using the user information stored in the storage unit and confirming the state, and performing the electronic financial transaction through the Internet to obtain a result.

An interface for performing each step may be provided stored in the storage unit, and the function may include at least one or more of bank transfer, transaction history inquiry, balance inquiry, and online bank account confirmation.

In addition, the present invention can be implemented by storing a program for performing the above method in a storage medium.

DESCRIPTION OF THE PREFERRED EMBODIMENTS A preferred embodiment of a cyber financial transaction system according to the present invention, a financial transaction method using the same, and a recording medium storing a program for performing the method will be described in detail with reference to the accompanying drawings.

1 is a cyber financial transaction system according to the present invention, and illustrates a state connected to the Internet 10 by wire. The internet 10 is connected to the shopping mall server 12, the bank server 14, the authentication server 16 and the community server 18. Among them, the shopping mall server 12 has a function for shopping a specific product to a user connected through the Internet 10 and includes login, e-commerce, and delivery related functions. In addition, the bank server 14 provides a function for a user's financial transaction. The authentication server 16 performs electronic authentication for shopping malls or bank transactions. The community server 18 provides contents for forming a community between users using the Internet, and has a function such as login required for this process.

As described above, the present invention preferably includes a program for using user information stored in an Internet access terminal connected to the Internet 10. When the Internet access terminal includes the modem 30 and the browser 28 as the first embodiment, the analysis module 26 and the manager 22 are further provided in the first embodiment as the second embodiment. , And the third embodiment may further be divided into a case in which the second embodiment further includes a history database 24. In the case of the first embodiment, the analysis module 26, the manager 22, the history database 24, and the storage unit 40 are connected to the Internet access terminal as a storage module. In the case of the second embodiment, the history database 24 is connected. And the storage unit 40 is connected to the Internet access terminal as a storage module, and in the third embodiment, the storage unit 40 is connected to the Internet access terminal as a storage module. The above embodiment may be selected in consideration of the memory capacity and the efficiency of the storage module according to the intention of the manufacturer.

Here, the Internet access terminal may be generally configured as a personal computer that the user uses to access the Internet by wire, but may include any device such as a PDA or a mobile phone that can be wirelessly connected to the Internet. That is, in the present invention, an Internet access terminal capable of accessing the Internet wirelessly as well as wired may be used. In this case, the Internet access terminal may be connected to the Internet 10 through the wired / wireless network 32 as shown in FIG. 1 and 2, the configuration and operation of the present invention are the same except via the wired / wireless network 32.

The Internet access terminal basically includes a modem 30 and a browser 28 for internet access. Here, the modem 30 includes a physical layer and middleware while having a function of communicating with the Internet 10. In addition, the browser 28 browses the web pages provided by the servers 12, 14, 16, and 18 connected to the Internet 10 through the modem 30, and provides information required by the web pages to the modem 30. It transmits through). That is, the browser 28 serves as an application tool having a function of browsing a web page, receiving and inputting information transmitted from the web page.

The analysis module 26 analyzes the web page of the URL accessed by the browser 28, extracts tag information and variable information, and controls the data stored in the storage unit 40 under the control of the manager 22. Fill in the variable information. At this time, the information filled by the analysis module 26 is transmitted by the browser 28 to the specific server that operates the site through the Internet (10).

Then, the manager 22 uses the information analyzed in the analysis module 26 and the information stored in the storage unit 40 to log in, fill in, and perform an electronic financial transaction described below.

The history database 24 stores login or financial transaction history information performed by the manager 22, and the storage unit 40 stores user information while making an interface with the analysis module 26 and the manager 22. .

In this case, the user information includes login information, personal information, financial information, and URL information. The login information includes an ID and password for each site. The personal information includes a user address, a contact number, a social security number, and the financial information includes a bank. The account number includes a password and an authentication number associated with the account number, and the URL information includes information about a web page visited by the user.

As described above, according to the first, second, and third embodiments, a storage module having at least a storage unit 40 includes a smart card, a semiconductor memory chip, a hard disk or a compact disk. It may be configured as a removable storage device used, and may be configured by utilizing any memory capable of recording and reproducing data.

In addition, the storage module may be limited in the manner of being connected to the Internet access terminal in consideration of the included components and usage efficiency, but may be configured to be connected in various ways such as a USB port, other serial or parallel ports or contactless wireless communication. Can be.

When the storage unit 40 is implemented as a smart card, the storage unit 40 is referred to as a master file and an internal elementary file (IEF) according to a technical standard for providing compatibility between smart cards. ), A dedicated file (called "DF") for signing, encrypting, and using additional information, and an elementary file ("EF") under each dedicated file.

Here, the master file is the highest level authentication device necessary for data organization using the internal basic file, and the internal basic file is a password file that is used to authenticate the master file.

The private file for signature has a hierarchical structure for user information, type information, signature secret key, signature certificate, and signature private key hash, and the private file for encryption has user information, type information, and secret for encryption. It has a hierarchical structure of key, encryption certificate, encryption private key hash, and dedicated file for additional information use user information, type information, additional use secret key, additional use certificate, additional use key hash The base file can be hierarchical.

Each dedicated file may have a file index code and be sized according to a memory map schedule. However, according to an embodiment of the present invention, the additional information may vary. Therefore, the storage unit 40 of the embodiment according to the present invention preferably stores the dedicated file data in excess of the memory capacity allocated to the remaining memory space for more flexible memory utilization with a limited capacity.

In addition, when the storage unit 40 is implemented as a hard disk, the storage unit 40 may be specified as a path including a hard disk label name, for example, a path such as "hard disk label name \ Program Files \ NPK \ identifier" and data may be managed. It is preferable to have an identifier, and if it is implemented as a removable disk, it is preferable to have an identifier for a path including a drive name, for example, a path such as "drive name \ NPK \ identifier" and to manage data while managing the data. When implemented as a card, it is desirable to have an identifier for the memory map as specified by a path related to the memory map and data management. In particular, in the case of a smart card, the identifier may preferably use an internal basic file identifier and a dedicated file identifier that can be used as data link information. In this case, when the manager 22 accesses the chip access data while managing these identifiers as data link information. It can be used for chip verification and path verification.

1 and 2 as described above with reference to Figures 3 to 9 with respect to the operation and effect according to the configuration of the embodiment according to the present invention, a personal computer for explaining the operation and effect of the embodiment according to the present invention By way of example, it is assumed that a chip-type storage module incorporating an internet access terminal and a smart card is assumed and the internet access terminal and the storage module have the configuration of the third embodiment.

In addition, although the present invention is implemented for cyber financial transactions, an automatic login function and a filling function for a web page may be additionally implemented using user information, which will be described with reference to the accompanying drawings.

Referring to FIG. 3, when a user accesses a storage module to drive an internet access terminal for cyber financial transactions, the manager 22 is driven accordingly (S10).

When the user drives the browser 28 of the Internet access terminal to access the Internet 10, the manager 22 interlocks with the browser 28 so as to drive the storage unit 40 (hereinafter, the "storage module program"). "Drive" (S12). When the storage module program is driven, the analysis module 26 is activated.

The user runs the browser 28 to execute a web search, and the browser 28 delivers the address (URL) information of the window and the web page information that are activated during the web search to the analysis module 26, and the analysis module 26 analyzes the information of the web page to determine whether the login-related tags and variables are included, as shown in Figure 4a. As the tag and variables related to login, objects 50, 52, and 54 corresponding to "ID", "password", and "login button" are detected by the analysis module 26 as shown in FIG. 4A.

If it is determined that the log-in window is a login window (S16), the analysis module 26 determines whether the address has been previously analyzed and registered in the storage unit 40 (S18).

If the currently active web page corresponds to an address previously analyzed and registered in the storage unit 40, the manager 22 interlocks with the analysis result of the analysis module 26 as shown in FIG. 4B to log in waiting window 56. To display (S20).

After that, when the user clicks the login waiting window (S22), the analysis module 26, under the control of the manager 22, retrieves the login information connected to the corresponding address from the storage unit 40 and substitutes the corresponding variable for login. In operation S40, the manager 22 updates the login history to the history DB 24 (S42).

If the user activates another window without clicking the login waiting window 56 in the state in which the login waiting window 56 is displayed (S20), the display waiting window 56 is maintained.

In addition, if the address is not previously analyzed and registered in step S18, the manager 22 waits while the user inputs the corresponding ID and password (S26), the user enters the input as shown in FIG. If 54 is clicked, the analysis module 26 uses the separate object 58 to store the login information, that is, the ID, password, and address (URL) information in the storage unit 40 under the control of the manager 22. After confirming (S30), and selectively storing the corresponding information in the URL DB (40) according to the user's selection and performs the login process (S40).

As described above, in the present invention, the storage unit 40 is connected to the Internet access terminal for cyber financial transactions, and the ID and password information required for login and the address (URL) information of the previously logged-in web page are stored in the storage unit. If the user logs in and logs in, the user can automatically log in by using the stored information. In addition, since the log-related history is managed in the history DB 24, it can be inquired when checking later.

In addition, the present invention can be filled as shown in Figure 5 while the storage unit 40 is connected to the Internet access terminal for cyber financial transactions.

As described above with reference to FIG. 3, when the manager is driven in FIG. 5 (S50), and the user runs a browser to perform a web search (S52), the analysis module 26 displays an address of a window activated in the browser. Analyze (S54).

If the user wants to fill the personal information or financial-related information in the activated web page, the manager is activated by the user (S56).

The manager 22 may classify and manage personal information as illustrated in FIG. 6A, and classify and manage financial related information as illustrated in FIG. 6B. The manager 22 reads the personal information and the financial related information stored in the storage unit 40. Referring to FIG. 6A, ID, password, social security number, date of birth, name, e-mail, telephone number, address, etc. may be managed as personal information. Referring to FIG. 6B, card number, card expiration date, account holder name, social security number, Certified certificate password, account number, account password, transfer password, security code table, etc. can be managed as financial information.

After the manager 22 is activated, if filling is selected by the user (S58), the manager 22 transfers the value stored in the storage unit 40 to the analysis module 26, and the analysis module 26 A value matching the variable included in the window activated by the browser 28 is filled in (S60).

Thereafter, the drag-and-drop window as shown in FIGS. 6A and 6B is activated (S62). The drag-and-drop window may have a drag and drop selected according to a user's selection (S64), and the drag-and-drop selected value is filled in the corresponding variable (S66).

Here, drag-and-drop is a function of selecting a specific value by using a mouse and dragging and dropping it to the corresponding variable position, and selecting and filling other values that do not match variables in the filling in step S60.

By implementing the filling function as described above, the embodiment according to the present invention is connected to the storage unit 40 to the Internet access terminal for the cyber financial transaction, for membership registration, the delivery address for electronic commerce, for electronic payment Information input and the like may be performed utilizing data stored in the storage unit 40.

Meanwhile, the present invention may execute a financial transaction using the user information stored in the storage unit 40 as shown in FIG.

That is, as described above, the manager is driven (S70), the web browser is executed by driving the browser (S72), the browser address analysis is performed (S74), and the manager is activated (S76). User information stored in 40 may be used for financial transactions.

In the above-described web search process, the user accesses a shopping mall and purchases an item, and then enters delivery address information and performs electronic payment.

In this case, as shown in FIG. 8A, a window for inputting shipping address information provided on the web by the shopping mall is presented, and a variable for inputting personal information such as a payee name, address, and phone number is set to the object 102 in the window where the shipping address information is input. The object 102 may be inputted by executing the filling function described with reference to FIG. 5.

After determining the delivery address, a payment method is selected.

According to the embodiment of the present invention, the storage unit 40 may pre-manage the account information of the payment bank of the shopping mall by analyzing the URL of the shopping mall and the information included therein with a tag and a variable value.

After the user inputs the delivery address information, check the check box 104 of FIG. 8A, select the bankbook deposit, and click the “Next” button. As shown in FIG. 8B, the “deposit amount”, “payment bank”, “payer”, “ Objects 108, 110, 112 are provided. After the user selects or inputs the corresponding information, the user clicks the payment confirmation button 114 or clicks the payment method change button 116. If the user clicks the change payment method button 116, the step returns to FIG. 8A.

When the payment confirmation button 114 is clicked in FIG. 8B, the payment guide screen is provided in the shopping mall as shown in FIG. 8C, and when the confirmation button 118 is clicked, the order completion screen is activated as shown in FIG. 8D. The order fare screen includes order number, buyer, and shipping information.

In this state, when the user activates the manager 22, the program window 200 as shown in FIG. 8E is activated, and the user selects an account transfer function that can be provided through the menu 202 (S78). Performing the corresponding function (S80), which is not described, means performing another function provided to the menu 202 by the manager 22.

When the user selects the account transfer 202 function of the menu 202, the manager 22 provides a password confirmation window 204 to confirm whether the storage unit 40 is a normal user. When the user inputs a normal password in the password confirmation window 204, the manager 22 connects to a specific bank (for example, "AA bank") corresponding to the user's account and logs in (S82).

The log-in includes a certification verification process as shown in FIG. 8F, and for this purpose, the manager 22 includes a check box 218 for selecting a storage location for the certification certificate and an object 212 for inputting the certification certificate password. To provide.

When the user selects a smart card to log in, inputs an accredited certificate password and clicks the confirmation button 216, the manager 22 stores the history according to the log in the history DB 24 (S83). The window 200 for inputting the contents of the account transfer such as 8g is output. At this time, the manager 22 matches the customer information (withdrawal information) and the deposit information with the data stored in the storage unit 40.

That is, the manager 22 automatically fills in the variable area 220, 222, and 224 with the bank name, account number, and password registered by the customer in the customer information as shown in FIG. 8G, and the site address of the window currently active in the deposit information; The bank name and the deposit account are filled in the variable fields 228, 230 and 234.

Here, the storage unit 40 has bank and account information previously analyzed for each site, and accordingly, the bank and account information linked to the site address of the currently active window is controlled by the manager 22. 230).

When the user enters the amount of money and clicks the confirmation button 232 (S86) while the window of FIG. 8G is activated (S86), a window 200 for displaying information on the result of the transfer process is provided as shown in FIG. 8H. . If the user wants to change the information filled in the window 200 of FIG. 8G, the user can click the change button 234, and the modification is made according to the user's arbitrary pressure (S88).

Meanwhile, in the present invention, a financial transaction can be executed as shown in FIG. 9. The tool 300 provided in the manager 22 presented in the embodiment of FIG. 9 has a function connected to the button bank 302 for chip banks, automatic entry and login.

The automatic input and login is a function for filling in the information stored in the storage unit 40 into the analyzed web page or performing a login in response to the web page analyzed as the login page.

In addition, the chip bank is for performing a financial transaction such as bank transfer, transaction history inquiry, balance inquiry, and online bank account through the Internet 10. In the case where a financial transaction using a specific bank and a chip bank is agreed in advance to perform a chip bank, an interface for transferring funds from the bank's own account to another or the other account of the bank, the transaction history of the bank's own account, balances and bank accounts An interface for inquiring ledger details should be stored in the storage unit 40, and the manager 22 provides an interface stored in the storage unit 40 in response to a user's menu selection to perform the chip bank, Variable values included in the interface provided to proceed are filled in using the data registered in the storage unit 40 or some variable values are set to be determined according to user selection or history. As described above, when the variable value of the interface for performing the corresponding function is satisfied and the user is requested to proceed to the next procedure, the manager 22 performs a final transfer request and inquiry request step to transfer and transfer from the bank server. The function is terminated by generating a message containing data necessary for inquiry and transmitting the message to the bank server through the Internet. Therefore, the entire process for the user to carry out the account transfer or various inquiries can be performed on the Internet access terminal to ensure security, and the user information stored in the storage unit 40 can be used as it is, thus ensuring convenience in use. .

Specifically, the user drives the manager 22 so that the tool 300 is displayed on the screen of the Internet access terminal as shown in FIG. 9A, and the user can click the corresponding button 302 to select the chip bank function.

In the button 302 for performing the chip bank, the pop-up menu 304 may be set to include a plurality of menus for electronic banking transactions such as bank transfer, transaction history inquiry, balance inquiry, and online bank account as shown in FIG. 9B. The user can select a desired function among these menus, and as described above, the interface screen corresponding to each menu is pre-stored in the storage unit 40, and the Internet access terminal and the storage unit 40 are connected without the Internet. It may be provided as a linkage between.

When the user selects the account transfer from the pop-up menu 304, the manager 22 first provides a separate window (not shown) and requests the input of a preset password for use of the storage unit 40, thereby allowing a normal user to enter the account. If the user inputs a password, the manager 22 inquires of the storage unit 40 to check whether the password matches.

If the storage unit 40 is recognized as a user who can use normally, the manager 22 provides an interface screen 310 for selecting the public certificate of FIG. 9C stored in the storage unit 40. The user selects a certificate location on the interface screen 310, enters a certificate password, and clicks a button to proceed to the next step. Then, the manager 22 provides an interface 312 for comparing the public certificate password stored in the storage unit 40 with the password input by the user and inputting the account transfer information as shown in FIG. 9D. The interface 312 of FIG. 9D is also called stored in the storage unit 40.

The user selects or inputs a desired content corresponding to each variable displayed on the interface 312 of FIG. 9D, and then clicks a button to proceed to the next step. Then, the manager 22 inquires the account transfer password and security code number stored in the storage unit 40, and provides an interface 314 for confirming final transfer information as shown in FIG. 9E. The interface 314 of FIG. 9E is also called stored in the storage unit 40.

When the user clicks a button for checking the contents shown in FIG. 9E and proceeds to the next step, the manager 22 controls the analysis module 26 to generate a message for transmission to the bank server to generate a browser 28 and a modem. A message is sent to the corresponding bank server through 30, and an interface 316 indicating that the transfer of money is completed is output on the screen of the Internet access terminal as shown in FIG. 9F, and the user is notified of the result. In addition, the manager 22 stores the account transfer history in the history DB 24. The interface 316 of FIG. 9F is also called the one stored in the storage unit 40.

Therefore, according to the present invention, security is secured by managing user information, such as login information, personal information, financial information, and URL information of a site used by a user, in a storage unit, and easily logging in, filling and financial transactions using the Internet. There is an effect that can be performed.

Further, according to the present invention, the user information is limited and managed at the storage unit level, and the details of the user's login, e-commerce, and electronic financial transaction are managed, thereby improving the management efficiency of the user information and ensuring security. There is an effect that can be.

In addition, according to the present invention, the user information stored in the storage unit is linked to the login, electronic commerce and electronic financial transaction, and can be conveniently used to perform automatic login, filling, and authentication. By managing the user information on a chip or the like, the electronic chip may be connected to an internet access terminal which is connected to the wired or wireless connection through a USB port or the like, thereby providing convenience.

Claims (20)

In the cyber financial transaction system for performing financial transactions through the Internet, An internet access terminal accessing the internet through a modem and browsing a web page operated at a site on the internet by driving a browser; And A storage unit having at least user information including financial related information, the storage unit being stored in a variable included in an interface provided at the site provided for analyzing the browsed web pages and provided for cyber electronic financial transactions; And a storage module for assigning information. The method of claim 1, wherein the storage module, An analysis module for analyzing a web page accessed by the browser to extract variables included in an interface provided from the site, and filling data stored in the storage unit with tags and variable information and transmitting the data to a corresponding server that operates the web page; ; A manager for controlling the filling of variables contained in the interface of data stored in the storage unit; A history database for storing a history of the history performed by the manager; And And a storage unit storing at least user information including financial related information. In the cyber financial transaction system for performing financial transactions through the Internet, Access the Internet through a modem, browse a web page operated on a site on the Internet by browsing a browser, analyze the browsed web page, and access an interface provided on the site provided for cyber electronic financial transactions. An internet access terminal for substituting the information stored in the storage unit in the included variable; And And a storage module for storing and providing the user information in response to the access of the Internet access terminal by providing the storage unit storing at least user information including financial related information. The method according to claim 1 or 3, The user information includes login information, personal information, financial information, and URL information. The method of claim 4, wherein The financial information is a cyber financial transaction system, characterized in that it comprises card-related information, deposit-related information, authorized authentication-related reinforcement, transfer-related information, and security code-related information. The method according to claim 1 or 3, The Internet access terminal is a cyber financial transaction system, characterized in that configured to be able to access the Internet using at least one of wired and wireless. The method of claim 3, wherein the Internet access terminal, An analysis module for analyzing a web page accessed by the browser to extract variables included in an interface provided from the site, and filling data stored in the storage unit with tags and variable information and transmitting the data to a corresponding server that operates the web page; ; And And a manager for controlling the filling of a variable included in the interface of the data stored in the storage unit. The method of claim 7, wherein The Internet access terminal further comprises a history database for storing a history of the history performed by the manager. The method according to claim 1 or 3, The storage module is a cyber financial transaction system, characterized in that consisting of any one of a smart card, a semiconductor memory chip, and a removable storage device using a hard disk or a compact disk. The method according to claim 1 or 3, And the storage module is configured to be connected to the internet access terminal by any one of a USB port, a serial port, a parallel port, and contactless wireless communication. The method according to claim 1 or 3, The storage unit is dedicated for signature, encryption, and additional information having a separate identifier corresponding to an access authenticated by the master file, an internal basic file which is a password file, an authentication using the internal basic file, and the master file. A cyber financial transaction system characterized by having a file. The method of claim 11, And the storage unit stores additional information in the remaining space of the memory map. The method of claim 11, And the storage module is used for chip authentication and path verification when the Internet access terminal of the storage unit accesses while managing the identifier as data link information. The method according to claim 1 or 3, The storage unit stores data for a predetermined financial transaction to include the data of the storage unit corresponding to the interface in either the storage module or the Internet access terminal in the interface for approval of the financial transaction. The cyber financial transaction system, characterized in that the transmission through the Internet as data. A cyber financial transaction method for performing an electronic financial transaction in response to a web page on the Internet by using a storage unit having at least user information including financial related information, Browsing and analyzing the webpage; Driving a manager to perform the electronic financial transaction in response to the analyzed web page, performing matching by filling some user information stored in the storage unit with a variable for the electronic financial transaction; And completing the electronic financial transaction by transmitting the web page on which the filling is performed, through at least an encryption step including authentication, through the internet. 2. The method of claim 15, Wherein said electronic financial transaction includes at least a wire transfer. In the cyber financial transaction method for performing an electronic financial transaction using a storage unit having at least user information including financial information, Selecting a function for performing the electronic financial transaction; Performing authentication using the user information stored in the storage unit at least in accordance with the function selection, including authentication for use in the storage unit; Providing an interface corresponding to the function stored in the storage unit when the authentication is completed; And And filling the variables included in the interface using the user information stored in the storage unit and confirming the status thereof, performing an electronic financial transaction through the Internet to obtain a result. . The method of claim 17, An interface for performing each step is provided that is stored in the storage unit. The method of claim 17, The function may include at least one of account transfer, transaction history inquiry, balance inquiry, and online bank account confirmation. A medium storing a program for performing the method of claim 15.

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