KR20090014701A - System and method for supplying stock exchange page with non-faced banking and recording medium - Google Patents

Abstract

A stock exchange page service method, a system, and a recording medium therefor are provided to receive more stock exchange services in addition to financial transactional services, through Internet banking provided from financial institutions such as banks and others. An authentication information transmitter(230) transmits login authentication information to an associated security corporation server(115) for authentication. An output processor(235) processes so that a stock exchange frame for processing stock exchange is outputted, through a customer's security account in a certain area around a financial transactional frame. An output controller controls so that a stock exchange page corresponding to the customer's security account is provided to the stock exchange frame outputted to a terminal(120), through an associated security corporation server corresponding to the stock exchange frame outputted to the terminal.

Description

System and Method for Supplying Stock Exchange Page with Non-faced Banking and Recording Medium}

1 is a diagram showing the overall configuration of a financial transaction system for providing a securities transaction service at a financial company through an Internet banking screen according to an embodiment of the present invention.

2 is a diagram illustrating a configuration of a financial transaction system for providing a securities transaction service at a financial company through an Internet banking screen according to an embodiment of the present invention.

3A and 3B illustrate an operation flow for login processing in a financial transaction system that provides a securities transaction service at a financial company through an Internet banking screen according to an embodiment of the present invention.

4 is a flowchart illustrating an operation of providing financial information and securities information in a financial transaction system that provides a securities transaction service at a financial company through an Internet banking screen according to an embodiment of the present invention.

5 is a diagram illustrating an operation flow of a process of providing a financial transaction service in a financial transaction system that provides a securities transaction service at a financial company through an Internet banking screen according to an embodiment of the present invention.

6 is a diagram illustrating an operation flow of a process of providing a securities transaction service in a financial transaction system that provides a securities transaction service at a financial company through an Internet banking screen according to an embodiment of the present invention.

7 is a diagram illustrating an example screen of a user interface provided by a financial transaction system that provides a securities transaction service at a financial company through an Internet banking screen according to an embodiment of the present invention.

<Description of main parts of drawing>

100: financial transaction server 105: financial company server

110: securities trading server 115: securities company server

120: customer terminal

The present invention provides at least one financial transaction frame (or area) for processing non-face-to-face financial transactions provided by a financial company, and a securities transaction frame (or area) for processing non-face-to-face securities transactions provided by a securities company affiliated with the financial company. In the page providing method comprising, when the authentication for the login authentication information sent by the customer is completed, the authentication information transmitting means transmits the login authentication information to the affiliated securities company server to the affiliated securities company At least one financial transaction frame (or area) is provided on a page provided to the terminal by the output processing means when the login authentication information is authenticated by the customer authentication step of processing to authenticate whether or not the securities trading account is opened. Process to output and schedule near the financial transaction frame (or region) An output processing step of processing a securities transaction frame (or an area) for processing a securities transaction through the customer's securities transaction account in an area; and in the securities transaction frame (or an area) output from the output control means to the terminal. Securities transactions through non-face-to-face banking, including a control step of controlling a securities transaction page corresponding to the securities transaction account of the customer to be provided to the securities transaction frame (or region) output to the terminal through a corresponding affiliate securities company server. It relates to how to provide a page.

The rapid development of ICT and financial industry has reached the stage of providing financial transaction services through the Internet through the convergence of financial industry and information and communication technology.

In addition, as the number of customers in the financial industry who require securities transactions through securities firms that can pursue higher interest rates than ordinary deposits increases, financial institutions such as banks offer products that can trade securities to meet the needs of customers. Is coming up.

However, at this point in time, securities transactions are difficult in financial institutions such as banks through Internet banking, and thus, customers cannot easily use them.

An object of the present invention for solving the above problems is to process at least one financial transaction frame (or area) for processing non-face-to-face financial transactions provided by financial companies, and to process non-faced securities transactions provided by securities companies affiliated with the financial company In the page providing system comprising a securities transaction frame (or area), if the authentication of the login authentication information sent by the customer is completed, the login authentication information is transmitted to the affiliated securities company server to process the authentication. When the login authentication information is authenticated by the authentication information transmitting means and the affiliated securities firm, at least one financial transaction frame (or region) is output on a page provided to the terminal, and is located near the financial transaction frame (or region). Securities transactions through the customer's securities account in a certain area Output processing means for processing a stock trading frame (or region) to be output; and the stock trading frame (or region) output to the terminal through an affiliated securities firm server corresponding to the stock trading frame (or region) output to the terminal. It is to provide a system for providing a stock trading page through non-face-to-face banking having an output control means for controlling to provide a stock trading page corresponding to the customer's securities account.

According to the present invention, a method for providing a securities transaction page through non-face-to-face banking includes at least one financial transaction frame (or area) for processing a non-face-to-face financial transaction provided by a financial company, and a non-faced bank provided by a securities company affiliated with the financial company. In the page providing method comprising a securities transaction frame (or area) for processing the face-to-face securities transaction, when the authentication of the login authentication information sent by the customer is completed, the login authentication information is sent to the authentication information transmission means. The customer authentication step of transmitting to the affiliated securities company server to authenticate whether or not to open the customer's securities trading account to the affiliated securities company, and if the login authentication information is authenticated by the affiliated securities company, output processing means provided to the terminal If at least one financial transaction frame (or area) is output on the page, An output processing step of processing a securities transaction frame (or region) for processing a securities transaction through the securities transaction account of the customer in a predetermined region near the financial transaction frame (or region); Control the stock exchange page corresponding to the customer's securities transaction account to be provided to the securities transaction frame (or region) output to the terminal through an affiliated securities company server corresponding to the securities transaction frame (or region) output to the terminal. Characterized in that it comprises a control step.

According to the present invention, a method of providing a securities transaction page through non-face-to-face banking includes at least one financial transaction frame (or area) for processing a non-face-to-face financial transaction provided by a financial company, and a non-face-to-face provided by a securities company affiliated with the financial company. In the page providing method comprising a securities transaction frame (or area) for processing a securities transaction, if the customer transmits the login authentication information through the terminal, the authentication processing means authenticates the customer through the login authentication information, A first authentication step of confirming whether a securities affiliate account is opened at the financial institution; and when it is confirmed that the securities cooperation account of the customer is opened, an affiliated securities company server corresponding to the securities cooperation account by using the login authentication information in an authentication information transmission means; A second authentication step of processing to be authenticated by transmitting to the If the authentication information is authenticated, at least one financial transaction frame (or region) is output on a page provided to the terminal by the output processing means, and the securities of the customer in a predetermined region near the financial transaction frame (or region). An output processing step of processing a securities transaction frame (or region) for processing a securities transaction through an affiliate account; and an affiliated securities firm server corresponding to the securities transaction frame (or region) output from the output control means to the terminal; And a control step of controlling a stock trading page corresponding to the customer's securities trading account to be provided to the stock trading frame (or region) outputted to the terminal.

In the method for providing a securities transaction page through non-face-to-face banking according to the present invention, the output processing step may include the securities transaction frame (or area) in the output processing means, if the login authentication information is not authenticated by the affiliated securities company. And processing the financial transaction frame (or region).

On the other hand, it includes a recording medium recording a program for executing the above-described method for providing a security page through non-face-to-face banking.

The securities transaction page providing system through non-face-to-face banking according to the present invention includes at least one financial transaction frame (or area) for processing non-face-to-face financial transactions provided by a financial company, and a non-face-to-face provided by a securities company affiliated with the financial company. In the page providing system comprising a securities transaction frame (or area) for processing a securities transaction, if the authentication of the login authentication information sent by the customer is completed, the login authentication information is transmitted to the affiliated securities company server Authentication information transmission means for processing the authentication to be authenticated, and if the login authentication information is authenticated by the affiliated securities firm, at least one financial transaction frame (or area) is output to a page provided to the terminal, and the financial transaction frame is processed. (Or zone) through the customer's securities account Output securities outputted to the terminal through output processing means for processing a stock trading frame (or region) for processing a volume transaction and an affiliated securities firm server corresponding to the securities transaction frame (or region) output to the terminal; And an output control means for controlling a stock trading page corresponding to the stock account of the customer in a trading frame (or region).

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram showing the overall configuration of a financial transaction system for providing a securities transaction service at a financial company through an Internet banking screen according to an embodiment of the present invention.

In more detail, Figure 1 is a financial company through the Internet banking screen for using the securities trading service through the securities trading account, when using a financial transaction service through a securities trading account that a predetermined customer according to the embodiment of the present invention Shows the overall configuration of a financial transaction system that provides a securities trading service in the present invention. Those having ordinary technical knowledge in the technical field to which the present invention belongs, refer to and modify the drawing 1 and the securities in the financial company through the Internet banking screen. Although various implementation methods of the financial transaction system for providing a transaction service may be inferred, the present invention includes all the implementation methods inferred above, and the present invention is not limited thereto.

For example, those having ordinary technical knowledge in the technical field to which the present invention pertains may refer to at least one server by integrating a server providing a securities transaction service at a financial company through the Internet banking screen by referring to and modifying the drawing 1. The present invention is not limited thereto.

Referring to FIG. 1 according to an embodiment of the present invention, a financial transaction system for providing a securities transaction service at a financial company through the Internet banking screen includes a client terminal including at least one wired terminal or a wireless terminal used by a customer. Internet banking user interface capable of trading securities to provide a securities transaction service at a financial company through the Internet banking screen connected to the customer terminal 120 through at least one customer terminal 120 and a predetermined communication network. Or provide a financial transaction server 100 for processing a financial transaction in response to a financial transaction request received through the customer terminal 120, and process a general financial transaction in connection with the financial transaction server 100, Or a financial company server 105 in which the securities trading account is opened. Shall be.

In addition, a financial transaction system for providing a securities transaction service at a financial company through the Internet banking screen, a securities transaction request input and transmitted through a securities transaction interface output on an internet banking screen provided by the financial transaction server 100. Securities provided in the financial company D / B of the financial company server 105 in connection with the securities transaction server 110 and the securities transaction server 110 for receiving information and processing securities transactions in response to the received information. Securities trading through a trading account, or through the securities trading server 110 is provided with a securities company server 115 for providing the securities trading information to the customer terminal 120.

Those skilled in the art to which the present invention pertains can easily infer the technical characteristics of the securities company server 115 through the description of the financial company server 105, and also to the securities company server 115 Since it will be familiar with the technical features, the detailed description of the securities firm server 115 is omitted for convenience, and thereby the present invention is not limited.

The financial company server 105 which processes the at least one financial transaction service through the securities transaction account in connection with the financial transaction server 100 may be provided with at least one window terminal provided at the branch (or branch) of the financial company. It is characterized in that it is connected through a financial network (eg, our network), and provides a face-to-face financial transaction service to at least one financial transaction customer through the window terminal.

In addition, the financial institution server 105 may include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, or at least one other affiliated with the financial company. At least one financial terminal provided at a financial company (or another financial company branch), or at least one financial terminal provided at a public place, and is connected through a predetermined financial network (for example, a CD common network). The financial terminal provides a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial company server 105 is characterized in that it is associated with a predetermined financial transaction server 100, a network (eg, wired Internet, or connected to a TCP / IP-based backbone network through the financial transaction server 100) At least one client terminal connected to an IEEE 802.11x based wireless LAN, an HSDPA based wireless communication network, or an IEEE 802.16x based portable Internet, etc. (eg, a personal computer equipped with the wired Internet access and browsing function) Or a non-face-to-face financial transaction service to at least one or more financial transaction customers through a laptop, the wireless LAN / portable Internet connection and a browsing or a mobile terminal equipped with a browsing function.

In addition, the financial institution server 105 is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, or HSDPA-based through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) equipped with a connection and browsing function for the mobile communication network) connected to a wireless communication network, an IEEE 802.16x based portable Internet, or a DataTAC / Mobitex-based wireless data communication network, or Non-face-to-face financial transaction services are provided to at least one or more financial transaction customers through a Global System for Mobile (GSM) terminal or a Personal Digital Assistant (PDA) or a smart phone (Smart Phone) or Telematics.

In addition, the financial company server 105 is characterized in that it is associated with a predetermined IC chip-based wireless banking server, and through a predetermined wireless network (for example, code division multiple access (CDMA) based on the IC chip-based wireless banking server) At least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to a mobile communication network, an HSDPA based wireless communication network, an IEEE 802.16x based portable Internet, or a DataTAC / Mobitex-based wireless data communication network. Provide IC chip-based non-face-to-face financial transaction service to one or more financial transaction customers.

In addition, the financial company server 105 is characterized in that associated with a predetermined telebanking server, and is connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) or at least one wireless communication terminal (e.g., a PCS or GSM terminal) connected to a predetermined wireless voice communication network (e.g., a mobile communication network based on Code Division Multiple Access (CDMA)); Provides non-face-to-face financial transaction services to at least one or more financial transaction customers through smartphones.

In addition, the financial company server 105 is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, a digital TV or a refrigerator connected to a home network through the home banking server) Etc.) provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial company server 105 is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server) The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 1, the financial company server 105 establishes at least one financial account to at least one financial transaction customer, and is provided to the financial company to provide at least one financial transaction service based on the financial account. A system comprising: an accounting system for processing window services such as credit or receiving or trust or foreign exchange occurring in at least one branch (or window), an information system for processing headquarters operations, branch office information support, and customer information management; Interconnection between the financial institution server 105 and at least one other financial institution server 105 (or payment system), or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking) provided in at least one external communication network. , IC chip-based wireless banking, tele banking, TV banking, etc.) to the financial company server 105 Or an external system that provides various financial transaction interfaces through at least one common network (eg, a CD common network, a financial common network), and the financial company server 105 includes the financial company server. (105) an interface module corresponding to a middleware platform that provides inter-component interfacing, and predetermined information (eg, ledger information, Or a DBMS (DataBase Management System) including at least one database for storing and managing customer information, management information, etc.).

In addition, the financial institution server 105 may be designed according to the intention of a person skilled in the art or the types of financial institutions provided with the financial institution server 105 (eg, commercial banks, savings banks, trust banks) and the purpose and characteristics of the financial institution server 105. Accordingly, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and common knowledge in the art to which the present invention pertains. If you have a person, since you will be familiar with the technical details of the financial company server 105, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial company server 105 opens at least one financial account to at least one financial transaction customer between the financial, and provides at least one financial transaction service based on the financial account. And a financial company D / B for storing at least one ledger for the purpose, wherein the financial company D / B includes at least one ledger for processing at least one financial transaction to be provided to the financial transaction customer by the financial company. Information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine or supplement the attributes and functions of each ledger) Characterized in that the cooperative process is stored, the ledger information is the securities trading system Including predetermined account ledger corresponding to a characterized in that formed.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the financial company D / B and each ledger information according to the type of each financial company and the purpose and characteristic of the financial company server 105. In addition to being familiar with at least one ledger additional information corresponding to each other, each ledger information is stored in a relational form, or predetermined ledger information and at least one ledger additional information are stored in a relational form. Since it will be understood that the detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the customer accesses the financial transaction server 100 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the financial When a financial company inputs (or selects) financial transaction request information for providing a securities transaction service through the Internet banking screen through at least one user interface provided by the transaction server 100, the client terminal establishes a predetermined communication network. It is preferable to transmit to the financial transaction server 100 provided on the financial transaction system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a code division multiple access (CDMA) based mobile communication network, or all terminal devices connected to a high-speed downlink packet access (HSDPA) based wireless communication network, or IEEE 802.16x. A generic term for all terminal devices connected to a mobile Internet based on the Internet, or all terminal devices connected to a Motorola DataTAC method or an Erricson Mobitex method wireless data communication network, and a personal communication system (PCS) connected to the CDMA-based mobile communication network. Or Global System for Mobile communications (GSM) terminals or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminals or Personal Digital Assistants (PDAs) or smartphones (Smart Phones) or telematics (Telematics), or a wireless terminal connected to an HSDPA-based wireless network Or at least one portable Internet terminal connected to the IEEE 802.16x based portable Internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network.

The financial transaction server 100 connected to the client terminal may be either the financial transaction server 100, the wireless banking server, the tele banking server, the TV banking server, or the information according to the characteristics of the client terminal and the communication network. It is preferable to include a separate web server for registration.

In addition, the communication network connecting the client terminal and the financial transaction server 100 may be a CDMA based mobile communication network or an HSDPA based wireless communication network or an IEEE 802.16x based portable Internet or DataTAC / Mobitex-based wireless data communication network or any one of the future, including a predetermined wireless interval is preferably made to include a wireless communication network.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial transaction server 100, inputs or selects at least one or more information through the user interface, and transmits the information to the financial transaction server 100. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the financial transaction server 100, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the financial transaction system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network or a wireless communication network connecting the client terminal and the financial transaction server 100. The customer performs a function of a financial transaction interface for registering the financial transaction request information for providing a securities transaction service in a financial company through the Internet banking screen.

According to another exemplary embodiment of the present invention, the customer terminal 120, in addition to the client terminal, an automatic teller machine (ATM), a cash dispenser connected to a predetermined financial network (for example, a financial common network) It further comprises a financial automatic device (not shown) including a cash dispenser (CD), or connected to a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It further comprises a predetermined call terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or at least affiliated with the financial company Terminal (or server) (not shown) provided in one or more institutions may be further included, whereby the present invention is not limited.

In the financial transaction system as described above, when the customer terminal 120 is the financial automatic device (not shown), the financial automated device (not shown), the financial automatic device (not shown), and the financial transaction server ( The financial network connecting 100 performs a function of a financial transaction interface for registering a financial transaction request information for providing a securities transaction service at a financial company through the Internet banking screen, or the customer terminal 120 If the call terminal (not shown), the wired telephone network or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial transaction server 100 is the customer the Internet banking screen Through the financial transaction interface to register the financial transaction request information to provide the securities transaction services in the financial company, or the customer In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial company, which is a horse 120, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the The network connecting the financial transaction server 100 performs a function of a financial transaction interface for the customer to register financial transaction request information for providing a securities transaction service at a financial company through the Internet banking screen.

The financial transaction server 100 (or the securities transaction server 110) provided on the financial transaction system according to the present invention is a generic term for components of the financial transaction system side connected to the customer terminal 120 and the communication network. It may be implemented by including at least one server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the customer terminal 120 is a client terminal including a wired terminal or a wireless terminal connectable with the financial transaction server 100 on a predetermined internet banking system, the financial transaction server 100. (Or securities transaction server 110) is a predetermined financial transaction server 100 provided on the Internet banking system, or a program provided in the financial transaction server 100, or through the Internet banking system A predetermined server (or device) accessible to the external system of the financial institution server 105, a program included in the server (or device), or the financial transaction server 100 (or the server (or device)) It may be a server (or device) provided in the external world on the financial company server 105 accessible through, or a program provided in the external world on the financial company server 105, It does not limit the invention.

According to another embodiment of the present invention, when the customer terminal 120 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the financial transaction server 100 (or a stock trading server). 110 is a predetermined wireless banking server provided on the wireless banking system, a program included in the wireless banking server, or accessible to the external world of the financial institution server 105 through the wireless banking system. A server (or device), a program included in the server (or device), or an external system on the financial institution server 105 accessible through the wireless banking server (or the server (or device)). It may be a server (or device) or a program provided in the external world on the financial institution server 105, whereby the present invention is not limited. The.

According to another exemplary embodiment of the present invention, when the customer terminal 120 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial transaction server 100 (or a stock trading server) 110 is a predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided on the telebanking system, a program included in the telebanking server, or the telebanking system through the telebanking system. A predetermined server (or device) accessible to the outside world of the financial institution server 105, a program included in the server (or device), or accessible through the telebanking server (or the server (or device)). It may be a server (or device) provided in the external world on the financial company server 105, or a program provided in the external world on the financial company server 105, thereby The invention is not limited.

According to another exemplary embodiment of the present invention, when the customer terminal 120 is a wired terminal (or two-way digital TV) capable of connecting with a TV banking server on a predetermined TV banking system, the financial transaction server 100 (or securities) The transaction server 110 may be a predetermined TV banking server provided on the TV banking system, a program included in the TV banking server, or an external system of the financial company server 105 through the TV banking system. Any server (or device) accessible, a program included in the server (or device), or an external system on the financial institution server 105 accessible through the TV banking server (or the server (or device)). It may be a server (or device) provided in, or a program provided in the external system on the financial institution server 105, by which the present invention is not limited.

2 is a diagram illustrating a financial transaction system for providing a securities transaction service at a financial company through an Internet banking screen according to an embodiment of the present invention.

In more detail, FIG. 2 provides a securities transaction service at a financial company through an internet banking screen, which provides a financial transaction and a securities transaction service from a predetermined financial transaction server 100 to at least one customer terminal 120. As to a financial transaction system configuration, those having ordinary knowledge in the technical field to which the present invention belongs, the financial transaction system configuration for providing a securities transaction service at a financial company through the Internet banking screen by referring to and modifying the drawing 2 Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

For example, if a person having ordinary technical knowledge in the technical field to which the present invention belongs, each of the functional components or the functional constituent means of the financial transaction server 100, the securities transaction server 110 shown in FIG. It may be provided in the above server, by which the present invention is not limited.

In addition, if a person having ordinary technical knowledge in the technical field to which the present invention belongs, the securities transaction server 110 shown in FIG. 2 may be provided in the form of a module in the securities company server 115, thereby The invention is not limited.

Referring to FIG. 2 according to an embodiment of the present invention, a financial transaction system for providing a securities transaction service at a financial company through the Internet banking screen includes at least one customer terminal 120 having a predetermined web browser, and a predetermined one. Securities transactions to provide a securities transaction service in conjunction with the financial transaction server 100 and the financial transaction server 100 operating a website for providing a financial transaction service to the customer terminal 120 through a communication network of It characterized in that it comprises a server 110, wherein the financial transaction server 100 preferably comprises a financial transaction server 100 for providing the financial transaction service to the customer terminal (120).

The customer terminal 120 is a generic term for the terminal device, characterized in that for connecting the communication channel for the financial transaction service by connecting to at least one financial transaction server 100 through a predetermined communication network, for this purpose 120 is characterized by comprising a network communication function for connecting to a predetermined communication network, and at least one web browser, a fixed terminal such as a desktop computer having a network communication function and a web browser, or a notebook; It is preferable to include at least one or more of the same quasi-fixed terminal, or a portable terminal capable of carrying / moving.

According to an exemplary embodiment of the present invention, the customer terminal 120 preferably includes at least one wired terminal connected to a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network. It is preferable to connect the financial transaction server 100 and the communication channel for the financial transaction service according to a Hyper-Text Transfer Protocol (HTTP) compatible protocol.

According to another exemplary embodiment of the present invention, the customer terminal 120 is a code division multiple access (CDMA) / wide-CDMA (WCDMA) based wireless communication network, an IEEE 802.11x based wireless communication network, or an IEEE 802.16x based wireless communication network. It is preferable to include at least one or more wireless terminals connected to any one of the wireless communication network, the financial transaction server 100 and the financial transaction service according to the Hyper-Text Transfer Protocol (HTTP) compatible protocol provided in the communication network It is desirable to connect the communication channel for the.

After the financial transaction server 100 and the communication channel for the financial transaction service are connected, the customer terminal 120 from the financial transaction server 100 through the communication channel for HTML (Hyper-) Text Markup Language) compatible web document (eg, * .html, * .htm, * .asp. * .Jsp, * .xml, * .wml, etc.), the received web document is the Characterized in that it is output through a web browser provided in the customer terminal (120).

If one of ordinary skill in the art to which the present invention belongs, the customer terminal 120 connects the financial transaction server 100 and the communication channel for the financial transaction service, from the financial transaction server 100 Since you will be familiar with the technical features of receiving the web document for the financial transaction service and outputting it through the web browser, a detailed description thereof will be omitted for convenience.

According to the exemplary embodiment of the present invention, the web document received through the communication channel to the customer terminal 120 includes at least one user interface for inputting predetermined financial transaction request information for the financial transaction service. Preferably, when the financial transaction request information is input through the user interface, the customer terminal 120 preferably transmits the financial transaction request information to the financial transaction server 100 through the communication channel.

In addition, the web document received through the communication channel to the customer terminal 120 preferably comprises at least one user interface for inputting a predetermined securities transaction request information for the securities transaction service, the user interface When the securities transaction request information is input through, the client terminal 120 preferably transmits the securities transaction request information to the securities transaction server 110 through the communication channel.

In addition, the web document received through the communication channel to the customer terminal 120 preferably comprises at least one user interface for inputting predetermined user login authentication information for the financial transaction and securities transaction service, When the login authentication information is input through the user interface, the customer terminal 120 preferably transmits the login authentication information to the financial transaction server 100 through the communication channel. 100, it is desirable to provide a SSO (Single Sign On) service that transmits login authentication information to the securities transaction server 110 through the communication network so that customers can use multiple sites by entering login information once. Do.

The financial transaction server 100 is a financial transaction management D / B for storing web operation data including at least one web document source and digital content for generating at least one web document for the financial transaction service, and A DBMS (DataBase Management System) having a customer D / B for storing customer information including at least one authentication information for the member accessing the financial transaction server 100 from the customer terminal 120 and the member management information. It is characterized by comprising.

According to an exemplary embodiment of the present invention, the web document source of the web operation data is HTML compatible for generating a web document provided by the financial transaction server 100 to the at least one customer terminal 120 for the financial transaction service. It is preferable that the tag and various script codes are included, and the data content includes at least one of image content, sound content, and multimedia content to be included in the web document.

Those skilled in the art to which the present invention pertains may include technical features in which at least one web document for the financial transaction service is generated, including the web document source and digital content included in the operation data. Since it will be understood, detailed description thereof will be omitted for convenience.

According to the implementation method of the present invention, the customer information stores at least one or more member ID information, password information, authentication information, member management information, etc. for the customer using the Internet banking service connected to the financial transaction server 100. It is preferred, and may be changed according to the intention and purpose of those skilled in the art.

Those skilled in the art will be familiar with the technical features of the information to be stored in the customer D / B, so a detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the financial transaction server 100 connects a communication channel for the financial transaction service to at least one customer terminal 120 and connects to a web page for the financial transaction service through the communication channel. And a web interface unit 200 for providing at least one corresponding web document to the customer terminal 120, wherein the web interface unit 200 has a predetermined login in the customer terminal 120. When transmitting authentication information, it is preferable to receive the login authentication information through the communication channel.

In addition, when the web interface 200 transmits predetermined financial transaction request information from the customer terminal 120, the web interface unit 200 may receive the financial transaction request information through the communication channel.

In addition, the web interface unit 200 may receive the securities transaction request information through the communication channel when the client terminal 120 transmits predetermined securities transaction request information, and the received securities transaction request. It is preferable to transmit the information to the securities transaction server 110 in accordance with a predetermined protocol for communication with the securities transaction server 110.

The web interface 200 is compatible with at least one or more HTML corresponding to the web page to be provided to the customer terminal 120 for the financial transaction service according to the HTTP compatible protocol provided in the communication network connected to the customer terminal 120 And connecting and maintaining a communication channel for providing a web document (eg, * .html, * .htm, * .asp. *. Jsp, * .xml, * .wml, etc.).

After the customer terminal 120 and the communication channel are connected, at least one web document corresponding to the web page to be provided to the customer terminal 120 from the financial transaction server 100 is generated, the web interface unit The processor 200 may transmit the web document to the customer terminal 120 through the communication channel, and output the web document through a web browser provided in the customer terminal 120.

If the web document includes a user interface for inputting predetermined login authentication information, and the user terminal 120 inputs and transmits the login authentication information through the user interface, the web interface unit 200 And receiving the login authentication information through a communication channel.

In addition, the web document includes a user interface for inputting predetermined financial transaction request information, the web interface unit 200 when the customer terminal 120 inputs and transmits the financial transaction request information through the user interface. ) Receives the financial transaction request information through the communication channel.

In addition, if the web document includes a user interface for inputting a predetermined stock transaction request information, and when the customer terminal 120 inputs and transmits the securities transaction request information through the user interface, the securities transaction server ( In step 110, the securities transaction request information is received.

Also, the web document includes a user interface for inputting predetermined stock transaction request information. When the client terminal 120 inputs and transmits the stock transaction request information through the user interface, the web interface unit ( 200 may receive the securities transaction request information through the communication channel, and the securities transaction request information received by the financial transaction server 100 may be converted according to a predefined protocol with the securities transaction server 110. Is preferably transmitted.

Referring to FIG. 2, the financial transaction server 100 is compatible with at least one HTML corresponding to a web page to be provided to the customer terminal 120 for the financial transaction service in connection with the financial transaction operation D / B. Web page operation unit 210 for generating a web document (for example, * .html, * .htm, * .asp. * .Jsp, * .xml, * .wml, etc.), and the financial transaction operation D / B and A digital content operation unit 215 for extracting at least one or more digital contents to be included in the web document and transmitting the generated web document to the previously transmitted customer terminal 120, and a web corresponding to the financial transaction service; According to a page operating procedure, the web page operation unit 210 controls to generate at least one or more web documents, or the digital content operation unit 215 extracts at least one or more digital content to be included in the generated web document. Awards And a financial transaction service control unit 205 for controlling the web document to be output to the transmitted customer terminal 120. The web interface unit 200 includes the financial transaction service control unit 205. In connection with the at least one web document generated by the web page management unit 210 is characterized in that for transmitting to the customer terminal 120 through the communication channel.

The financial transaction service control unit 205 is configured to perform the web page operation unit 210 for the financial transaction service according to a web page operation procedure (or a web page request from the customer terminal 120) corresponding to the financial transaction service. And controlling to generate at least one web document corresponding to a web page, wherein the web page operation unit 210 corresponds to the web page for the financial transaction service in connection with the financial transaction service control unit 205. It characterized in that for generating at least one or more web documents.

According to an embodiment of the present invention, the at least one web document corresponding to the web page for the financial transaction service, the financial information for the customer connected via the customer terminal 120 through the left area of the Internet banking screen ( For example, in addition to the securities trading account or the securities trading account, the customer's asset information, debt information, financial transaction information, recommendation product information, etc.) and the customer terminal (right) through the right area of the Internet banking screen. Securities information (eg, market information, stock price information, investment information, disclosure information, subscription information, securities transaction information, recommendation products for the customer) provided through the securities transaction server 110 corresponding to the customer accessed through 120 Information) and the like, and preferably at least one, and the area to be displayed on the Internet banking screen according to the intention and purpose of those skilled in the art. Various implementation methods, such as separating into an upper / lower region or outputting to a changed position, may be possible, but the present invention is not limited thereto.

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features of financial information or securities information, detailed description thereof will be omitted for convenience.

The web document generated by the webpage operation unit 210 includes at least one digital content link, and the digital content link is transmitted from the customer terminal 120 receiving the web document to the financial transaction server 100. When requesting a corresponding digital content output, the digital content management unit 215 outputs at least one digital content corresponding to the digital content link from the financial transaction management D / B, and outputs the output digital content to the web. By transmitting to the customer terminal 120 through the interface unit 200, the digital content is included in the web document transmitted to the customer terminal 120, characterized in that the processing to be output.

Referring to FIG. 2, the financial transaction server 100 may include an information receiver 220 (or an information receiver) for receiving login authentication information or financial transaction request information transmitted by the customer for the financial transaction service. When the login authentication information transmitted from the customer terminal 120 is received through the information receiving unit 220, the validity confirming unit 250 (or validity) confirming whether the validity of the received login authentication information is satisfied. Verification means), an authentication processing unit 225 (or authentication processing means) for processing authentication for the customer in response to the login authentication information received through the information receiving unit 220, and through the information receiving unit 220 When the authentication of the received login authentication information is completed, the authentication information transmission unit 230 (or authentication information transmission means) for transmitting the authentication information to the securities transaction server 110, and the authentication processing When the authentication is completed at 225, the internet banking screen displays at least one or more financial information to be provided to the customer in a web document generated by the webpage operation unit 210 in association with the financial transaction service control unit 205. A financial transaction screen output processing unit 235 (or a financial transaction screen) for outputting to a left area or outputting a user interface for inputting financial transaction request information to a customer in order to use a financial transaction service in a left area of the Internet banking screen. Financial information extracting unit 255 (or financial information extracting means) for extracting financial information to be output through the financial transaction screen output unit from the financial company D / B 293 provided in the financial company server 105; And at least one securities information to be output on the web page provided by the financial transaction server 100 from the securities transaction server 110. The output request data receiver 240 (or the output request data receiver) and the output request data receiver 240 in a web document generated by the web page operating unit 210 in association with the financial transaction service control unit 205. Outputting at least one or more securities information received through the Internet banking screen to the right area of the Internet banking screen, or outputting a user interface for the customer to input securities transaction request information to use the securities transaction service in the right area of the Internet banking screen In response to the financial transaction request information received through the output request data output processing unit 245 (or output request data output processing means) and the information receiving unit 220, the financial institution server 105 provides a financial transaction service. Financial transaction processing unit 260 (or financial transaction processing means) and a web page operation section corresponding to the financial transaction service Control the user interface for inputting financial transaction request information for providing a financial transaction service in the financial transaction screen output unit, or input securities transaction request information for providing a securities transaction service in the output request data output unit And a financial transaction service control unit 205 (or financial transaction service control means) for controlling the output of the user interface.

The information receiver 220 may receive login authentication information or financial transaction request information transmitted by the customer for the financial transaction service.

According to an embodiment of the present invention, the customer terminal 120 has predetermined password or security card information or predetermined OTP for checking the validity of the login authentication information at the financial transaction server 100 with the login authentication information. (One Time Password) It is preferable to further include at least one or more OTP code generated through the generator to the financial transaction server 100 via the communication network.

According to an embodiment of the present invention, the customer terminal 120 has predetermined password or security card information or predetermined OTP for checking the validity of the financial transaction information in the financial transaction server 100 in the financial transaction information. (One Time Password) It is preferable to further include at least one or more OTP code generated through the generator to the financial transaction server 100 via the communication network.

According to an embodiment of the present invention, the customer terminal 120 may convert the login authentication information (or financial transaction request information or securities transaction request information) into at least one encryption method (eg, symmetric key based encryption method or public key based information). The communication network by encrypting with an encryption method, an electronic envelope-based encryption method, or a key exchange-based encryption method, or by attaching a predetermined electronic signature to the login authentication information (or financial transaction request information or securities transaction request information). It is preferable to transmit to the financial transaction server 100 through, for this purpose, the customer terminal 120 is provided with at least one encryption key corresponding to the encryption scheme, or predetermined at least one encryption key including at least one encryption key. Equipped with an official certificate or the official certificate on a predetermined IC chip (or IC card) In this case, a card reader for confirming an authorized certificate provided on the IC chip (or IC card) is provided, or a biometric information reader for inputting biometric information (eg, fingerprint, iris, etc.) for the customer is provided. It is preferable.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the login authentication information (or financial transaction request information or securities transaction request information), and the login authentication information (or financial). Since you will be familiar with the technical features of attaching a predetermined electronic signature to the transaction request information or securities transaction request information), a detailed description thereof will be omitted for convenience.

The validity confirming unit 250 checks whether the validity of the received login authentication information is satisfied when the login authentication information transmitted from the customer terminal 120 is received through the information receiving unit 220. do.

According to an embodiment of the present invention, the login authentication information (or financial transaction request information or securities transaction request information) is at least one encryption method (eg, symmetric key based encryption method, public key based encryption method, or electronic envelope based). When encrypted with an encryption method, or a key exchange based encryption method), the validity confirming unit 250 converts the encrypted login authentication information (or financial transaction request information or securities transaction request information) corresponding to the encryption method at least. The received login authentication information (or financial transaction request) is decrypted by decrypting with one or more decryption methods (eg, symmetric key based decryption method, public key based decryption method, electronic envelope based decryption method, or key exchange based decryption method, etc.). Information or security request information) Do.

Alternatively, when a predetermined electronic signature is attached to the login authentication information (or financial transaction request information or securities transaction request information), the validity confirming unit 250 may request the login authentication information (or financial transaction request information or stock transaction request). By confirming the electronic signature attached to the information, it is preferable to authenticate the validity of the received login authentication information (or financial transaction request information or securities transaction request information).

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted login authentication information (or financial transaction request information or securities transaction request information), and the login authentication information ( Or you will be familiar with the technical features to confirm the electronic signature attached to the financial transaction request information or securities transaction request information, detailed description thereof will be omitted for convenience.

According to the embodiment of the present invention, the login authentication information (or financial transaction request information or securities transaction request information) received through the information receiving unit 220 to the login authentication information (or financial transaction request information or securities transaction request information). If a predetermined password is further included to check the validity of the data, the validity confirming unit 250 (or financial transaction request information or securities transaction request information) is included in the login authentication information and received on the DBMS. By comparing and authenticating a password provided corresponding to the customer, it is preferable to authenticate the validity of the received login authentication information (or financial transaction request information or stock transaction request information).

Alternatively, to check the validity of the login authentication information (or financial transaction request information or securities transaction request information) on the login authentication information (or financial transaction request information or securities transaction request information) received through the information receiving unit 220. When predetermined security card information is further included, the validity confirming unit 250 is included in the login authentication information (or financial transaction request information or securities transaction request information) received on the received security card information and the DBMS. By comparing and authenticating the security card information provided corresponding to the customer, it is preferable to authenticate the validity of the received login authentication information (or financial transaction request information or securities transaction request information).

Alternatively, to check the validity of the login authentication information (or financial transaction request information or securities transaction request information) on the login authentication information (or financial transaction request information or securities transaction request information) received through the information receiving unit 220. When a predetermined OTP code is further included, the validity confirming unit 250 is included in the login authentication information (or financial transaction request information or securities transaction request information) to receive the OTP code and the customer on the DBMS. It is preferable to authenticate the validity of the received login authentication information (or financial transaction request information or securities transaction request information) by comparing and authenticating the generated OTP code based on the predetermined OTP generation information.

The authentication processor 225 may process authentication of the customer in response to the login authentication information received through the information receiver 220.

According to an exemplary embodiment of the present invention, in the authentication processing method for a customer accessing through the customer terminal 120, the login authentication information received from the customer terminal 120 is the customer D on the financial transaction server 100 It is preferable to process authentication for the customer by checking whether it matches the customer information provided in / B.

According to another exemplary embodiment of the present invention, in the authentication processing method for a customer accessing through the customer terminal 120, the login authentication information received from the customer terminal 120 is the communication network and the financial transaction server 100 It is preferable to process the authentication for the customer by checking whether the customer information provided in the financial company D / B 293 on the financial company server 105 connected through.

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the authentication processing method for the customer connected via the customer terminal 120, the detailed description thereof will be omitted for convenience.

The authentication information transmitter 230 transmits the authentication information to the securities transaction server 110 when authentication for the login authentication information received through the information receiver 220 is completed.

According to the exemplary embodiment of the present invention, when the validity checking and authentication processing of the login authentication information received through the information receiving unit 220 is completed, the login authentication information is connected to the financial transaction server 100 through a communication network. It is preferable to transmit to the transaction server (110).

According to an exemplary embodiment of the present invention, the transmission of the login authentication information after the validation and authentication processing is completed may include at least one encryption method (eg, a symmetric key based encryption method, a public key based encryption method, or an electronic envelope based encryption method). , Or a key exchange-based encryption scheme, etc.), and then transmitted to the securities transaction server 110.

According to another exemplary embodiment of the present invention, it is preferable to transmit the login authentication information in which the validity checking and authentication processing is completed, to the securities transaction server 110 without a predetermined encryption method.

The financial transaction screen output unit, when the authentication is completed in the authentication processing unit 225, at least one to provide to the customer in the web document generated by the web page management unit 210 in conjunction with the financial transaction service control unit 205 The above financial information may be output to the left area of the internet banking screen, or the user interface may be output to the left area of the internet banking screen for the customer to input financial transaction request information for using a financial transaction service. .

According to an exemplary embodiment of the present invention, the financial transaction screen output may include at least one or more financial information to be provided to the customer (for example, the securities transaction account or the securities transaction account to which the customer has previously subscribed) Information, financial transaction information, recommendation product information, etc.) from the financial information extracting unit 255 and a predetermined area of the web document provided to the customer terminal 120 (eg, the left area of the Internet banking screen, the Internet banking screen). Right area, an upper area of the Internet banking screen, a lower area of the Internet banking screen, etc.).

According to another exemplary embodiment of the present invention, the financial transaction screen output may include at least one or more financial information to be provided to the customer (for example, the customer's asset information other than the securities transaction account or the securities transaction account which the customer has already subscribed to, Debt information, financial transaction information, recommendation product information, etc.) from the financial company D / B 293 provided on the financial company server 105 connected to the financial transaction server 100 through a communication network, and the customer terminal 120. It is preferable to output to a certain area (eg, the left area of the Internet banking screen, the right area of the Internet banking screen, the upper area of the Internet banking screen, the lower area of the Internet banking screen, etc.) of the provided web document.

According to another exemplary embodiment of the present invention, the financial transaction output screen may include at least one or more financial information to be provided to the customer (for example, the customer's asset information other than the securities transaction account or the securities transaction account which the customer has already subscribed to). Debt information, financial transaction information, recommended product information, etc.) from the predetermined information D / B (not shown) included in the financial transaction server 100 (or a predetermined information management server (not shown)). To output to a certain area of the web document provided to the customer terminal 120 (eg, the left area of the Internet banking screen, the right area of the Internet banking screen, the upper area of the Internet banking screen, the lower area of the Internet banking screen, etc.). desirable.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the information to be output on the financial transaction output screen, detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the user interface for inputting the financial transaction request information may include a predetermined area of a web document provided to the customer terminal 120 (eg, a left area of the internet banking screen, a right area of the internet banking screen, It is desirable to output to the upper region of the Internet banking screen, the lower region of the Internet banking screen, etc.).

According to another exemplary embodiment of the present invention, the user interface for inputting the financial transaction request information is output through a pop-up window including a user interface for inputting financial transaction request information in addition to the web document provided to the customer terminal 120. It is desirable to.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the method for outputting the user interface for inputting the financial transaction request information, so the detailed description is omitted for convenience.

The financial information extracting unit 255 extracts financial information to be output through the financial transaction screen output unit from the financial company D / B 293 provided in the financial company server 105 connected to the financial transaction server 100 through a communication network. Characterized in that.

According to an embodiment of the present invention, the financial information to be output through the financial transaction screen output unit from the financial company D / B (293) provided on the financial company server 105 connected through the communication network and the financial transaction server 100 Preferably, the extracted financial information is provided to the financial transaction screen output unit.

According to another exemplary embodiment of the present invention, the financial information to be output through the financial transaction screen output unit is provided on a predetermined information management server (not shown) connected to the financial transaction server 100 through a communication network. It is preferable to extract from B (not shown), and the extracted financial information is preferably provided to the financial transaction screen output unit.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the method of extracting the financial information to be output through the financial transaction screen output unit, detailed description thereof will be omitted for convenience.

The output request data receiver 240 may receive at least one or more securities information to be output on a web page provided by the financial transaction server 100 from the securities transaction server 110.

According to the exemplary embodiment of the present invention, the output request data reception is performed by the client terminal 120 at the financial transaction server 100 from the securities transaction server 110 connected to the financial transaction server 100 through a communication network. Receiving at least one or more securities information (for example, market information, stock price information, investment information, disclosure information, subscription information, securities transaction information, recommendation product information, etc.) to be output to a certain area of the web document provided by It is preferable.

The output request data output unit links the financial transaction service control unit 205 with at least one or more securities information received through the output request data receiver 240 in a web document generated by the web page operation unit 210. It outputs to the right area of the Internet banking screen, or the customer outputs a user interface for entering the securities transaction request information to use the securities transaction service to the right area of the Internet banking screen.

According to an embodiment of the present invention, the output request data output is the financial transaction server 100 in the financial transaction server 100 and the output request data received from the securities transaction server 110 connected through the communication network It is preferable to output to a certain area of the web document output to the customer terminal 120 (for example, the left area of the Internet banking screen, the right area of the Internet banking screen, the upper area of the Internet banking screen, the lower area of the Internet banking screen, etc.). Do.

According to another exemplary embodiment of the present invention, the output request data output (eg, stock information output) may include at least one or more stock information (eg, market information, stock price information, investment information, disclosure information, subscription information) to be provided to the customer. A certain area of the web document (for example, the left area of the Internet banking screen, the Internet) received from the securities transaction server 110 and provided to the customer terminal 120. The right area of the banking screen, the upper area of the Internet banking screen, the lower area of the Internet banking screen, etc.).

According to another exemplary embodiment of the present invention, the output request data output (eg, stock information output) may include at least one or more stock information (eg, market information, stock price information, investment information, disclosure information, subscription information) to be provided to the customer. And securities company D / B 295 provided on the securities company server 115 connected to the securities transaction server 110 through a communication network. It is preferable to output to a certain area (eg, the left area of the Internet banking screen, the right area of the Internet banking screen, the upper area of the Internet banking screen, the lower area of the Internet banking screen, etc.) provided by the web document.

According to another exemplary embodiment of the present invention, the output request data output (eg, stock information output) may include at least one or more securities information (eg, market information, stock price information, investment information, disclosure information, subscription) to be provided to the customer. Information, securities transaction information for the customer, recommended product information, etc.) is extracted from predetermined information D / B (not shown) provided in the securities transaction server 110 (or a predetermined information management server (not shown)). To be output to a certain area (eg, the left area of the Internet banking screen, the right area of the Internet banking screen, the upper area of the Internet banking screen, the lower area of the Internet banking screen, etc.) provided to the customer terminal 120. It is desirable to.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the information to be output in the output request data output (eg, stock information output), detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the user interface for inputting the securities transaction request information may include a certain area (eg, a left area of the Internet banking screen, a right area of the Internet banking screen) of a web document provided to the customer terminal 120. It is desirable to output to the upper region of the Internet banking screen, the lower region of the Internet banking screen, etc.).

According to another exemplary embodiment of the present invention, the user interface for inputting the stock transaction request information may be output through a pop-up window including a user interface for inputting the stock transaction request information in addition to the web document provided to the customer terminal 120. It is desirable to.

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the method for outputting the user interface for inputting the stock transaction request information, detailed description thereof will be omitted for convenience.

The financial transaction processor 260 may provide a financial transaction service in association with the financial company server 105 in response to the financial transaction request information received through the information receiver 220.

According to the method of the present invention, the financial transaction request information input through the user interface for inputting the financial transaction request information output in a predetermined area of the web document provided to the customer terminal 120 is the customer terminal 120 When provided to the financial transaction server 100, the financial transaction processing unit 260 may process the financial transaction request information in association with the financial company server 105 in response to the received financial transaction request information. Do.

Those skilled in the art to which the present invention pertains know the technical characteristics of the financial transaction processing, that is, the technical characteristics of a method for providing a financial transaction service to a predetermined customer through Internet banking. Since there will be, detailed description is omitted for convenience.

Referring to FIG. 2, the securities transaction server 110 which provides the securities transaction service in association with the financial transaction server 100 through a predetermined communication network is connected to the customer terminal 120 from the financial transaction server 100. An authentication information receiving unit 265 (or authentication information receiving means) for receiving the login authentication information provided from the financial transaction server 100 after the customer authentication process corresponding to the login authentication information received from An authentication processing unit 270 (or authentication processing unit) for processing authentication for the customer in response to the login authentication information received through the receiving unit 265, and corresponding to the login authentication information received from the financial transaction server 100 After completing the authentication of the customer, the stock information corresponding to the customer (eg, market information, stock price information, investment information, disclosure information, subscription information, and increase of the customer information). Output information extracting unit 275 (or output target information) for extracting transaction information, recommended product information, etc. from the securities company D / B 295 on the securities company server 115 connected to the securities transaction server 110 through a communication network; Extraction means) and securities information (eg, market information, stock price information, investment information, disclosure information, subscription information, securities transaction information, recommendation product information, etc.) extracted by the output target information extraction unit 275; An output data transmission unit 280 (or an output data processing means) for transmitting the data to the financial transaction server 100 and a stock transaction request information receiving unit for receiving the securities transaction request information transmitted from the customer terminal 120 and transmitted; (285) (or the securities transaction request information receiving means), and in response to the securities transaction request information received through the securities transaction request information receiving unit 285 provides a securities transaction service in connection with the securities company server 115 It is characterized by comprising a stock transaction processing unit 290 (or a stock transaction processing means).

The authentication information receiving unit 265 receives the login authentication information provided from the financial transaction server 100 after the customer authentication process in response to the login authentication information received from the financial transaction server 100 from the customer terminal 120. Characterized in that it receives.

According to the embodiment of the present invention, the login authentication information received through the customer terminal 120 processes the authentication process for the customer in the financial transaction server 100, and the login for the customer whose authentication process has been processed. It is desirable to provide authentication information.

According to an embodiment of the present invention, the financial transaction server 100 may include at least one encryption method (eg, a symmetric key based encryption method, a public key based encryption method, or an electronic envelope based encryption method) for the login authentication information. Key exchange-based encryption method, or the like, or attach the electronic signature to the login authentication information and transmit the same to the securities transaction server 110 through the communication network. ) Preferably includes at least one encryption key corresponding to the encryption scheme.

Those skilled in the art will be familiar with the technical features of various encryption schemes for encrypting the login authentication information and the technical features of attaching a predetermined electronic signature to the login authentication information. Therefore, detailed description thereof will be omitted for convenience.

The authentication processing unit 270 may process authentication of the customer in response to the login authentication information received through the authentication information receiving unit 265.

According to an exemplary embodiment of the present invention, the authentication processing method for the login authentication information transmitted from the financial transaction server 100 to a customer connected through the customer terminal 120 may include the financial transaction server 100. It is preferable to process the authentication of the customer by checking whether the login authentication information received from the customer information provided in the customer D / B on the stock exchange server 110.

According to another exemplary embodiment of the present invention, an authentication processing method for login authentication information transmitted from the financial transaction server 100 to a customer connected through the customer terminal 120 may include the financial transaction server 100. ) To verify whether the login authentication information received from the customer information provided in the securities company D / B 295 on the securities company server 115 connected to the securities transaction server 110 through a communication network to process authentication of the customer. It is desirable to.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the authentication processing method for the login authentication information transmitted from the financial transaction server 100, the detailed description is omitted for convenience. do.

The output target information extracting unit 275 completes the authentication of the customer in response to the login authentication information received from the financial transaction server 100, and then performs securities information (eg, market information, stock price) corresponding to the customer. Information, investment information, disclosure information, subscription information, securities trading information, recommended product information, etc. for the customer) securities company D / B (295) on the securities company server 115 connected to the securities trading server 110 through a communication network It is characterized by extracting from).

According to an exemplary embodiment of the present invention, the securities information to be output through the financial transaction server 100 is securities company D / B (295) provided on the securities company server 115 connected through the communication network with the securities transaction server 110 Preferably, the extracted stock information is provided to the financial transaction server 100 through the output data transmission unit 280.

According to another exemplary embodiment of the present invention, the stock information to be output through the financial transaction server 100 is provided on a predetermined information management server (not shown) connected to the stock exchange server 110 through a communication network. It is preferable to extract from D / B (not shown), and the extracted securities information is preferably provided to the financial transaction server 100 through the output data transmission unit 280.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the method of extracting the stock information to be output through the financial transaction server 100, detailed description thereof will be omitted for convenience. .

The securities transaction request information receiving unit 285 may receive the securities transaction request information input and transmitted from the customer terminal 120.

According to an embodiment of the present invention, the financial transaction server 100 may include at least one encryption method (eg, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or the like) for the securities transaction request information. Or a key exchange-based encryption method, or the like), or attach the electronic signature to the securities transaction request information and transmit the same to the securities transaction server 110 through the communication network. 110 preferably includes at least one encryption key corresponding to the encryption scheme.

Those skilled in the art to which the present invention pertains know the technical features of various encryption schemes for encrypting the securities transaction request information and the technical characteristics of attaching a predetermined electronic signature to the securities transaction request information. Since it will be, a detailed description thereof will be omitted for convenience.

The securities transaction processing unit 290 is characterized by providing a securities transaction service in connection with the securities company server 115 in response to the securities transaction request information received through the securities transaction request information receiver 285.

According to an embodiment of the present invention, the securities transaction request information input through the user interface for inputting the securities transaction request information output in a predetermined area of the web document provided from the financial transaction server 100 to the customer terminal 120 is When provided to the securities transaction server 110 through the customer terminal 120, the securities transaction processing unit 290 in connection with the securities company server 115 in response to the received securities transaction request information, the securities transaction It is desirable to process the request information.

As those skilled in the art to which the present invention pertains, the technical characteristics of the securities transaction processing, that is, the technical characteristics of the method for providing a securities transaction service through the Internet provided by the securities company will be familiar with. , Detailed description is omitted for convenience.

3A and 3B illustrate an operation flow for login processing in a financial transaction system that provides a securities transaction service at a financial company through an Internet banking screen according to an embodiment of the present invention.

3a and 3b show in detail the predetermined login authentication information from the predetermined customer terminal 120 to the predetermined financial transaction server 100, the financial transaction server 100 is the customer terminal 120 Receives login authentication information transmitted from the user and logs in the login process, and logs in a financial transaction system that provides a securities transaction service at a financial company through an internet banking screen for transmitting the login authentication information to the securities transaction server 110. As an example of an operation flow for processing, a person having ordinary technical knowledge in the technical field to which the present invention belongs, the operation flow for login processing in a financial transaction system that provides a securities transaction service at a financial company through the Internet banking screen. Although various embodiments of the invention may be inferred, the present invention includes all the implementation methods inferred above. It said, to which the technical feature that is not limited to the exemplary method shown in the figure 3a and figure 3b.

For example, a person having ordinary technical knowledge in the technical field to which the present invention belongs may refer to and modify the drawings 3a and 3b to log in a financial transaction system that provides a securities transaction service at a financial company through an internet banking screen. Various implementation methods may be inferred, such as modifying the order of the operational flow, but the present invention includes all implementation methods inferred, and the present invention is not limited thereto.

3A and 3B, the financial transaction server 100 illustrated in FIG. 2 is referred to as a “server” for convenience, and the customer terminal 120 illustrated in FIG. 2 is referred to as a “terminal” for convenience.

3A and 3B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (300a), the server communicates between the terminal and the server through the browser. (305a), wherein the communication channel is a server that generates (or extracts) a predetermined web page at the request of a browser program provided to the terminal and transmits it to the terminal, and the browser provided to the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an Internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether the terminal is equipped with a predetermined security module for internet banking or if the security module is to be updated ( 310a).

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is mounted or updated in the terminal (315a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 320a.

If the terminal does not need to install or update the latest version of the security module for internet banking (325a), or if the terminal does not need to load or update the security module for internet banking (315a), the server is mounted on the terminal. By activating the security module for internet banking, a security channel for internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is converted into a security channel) (330a), where the security channel for internet banking Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal confirms the digital signature or corresponds to the encryption method (or encryption algorithm). It means a communication channel to decode the information (or data) by the decryption method (or decryption algorithm) of the, and also to the predetermined information (or data) to be provided to the server to transmit the login authentication information from the terminal When the digital signature is attached or encrypted and transmitted using at least one encryption method (or encryption algorithm), the server verifies the digital signature or a predetermined decryption method (or decryption) corresponding to the encryption method (or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server according to a communication protocol defined in the internet banking program. Or a predetermined digital signature attached to the data) or provided by encrypting with at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). Means a communication channel for decrypting the information (or data) by means of a decryption method (or decryption algorithm), and a predetermined electronic value in information (or data) to be provided to the server for transmitting login authentication information from the terminal. Attach a signature or at least one encryption method (Or an encryption algorithm), the server transmits the information (or data) to the server by verifying the digital signature or by using a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means the communication channel to be decoded.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or protection function for the information (or data) by using the certificate of the customer mounted on the terminal.

When the secure channel for internet banking is connected, the server generates (or extracts) a webpage including a user interface for inputting (or selecting) login authentication information to the terminal (335a), and the server generates the webpage. A web page including a user interface for inputting login authentication information is transmitted to the terminal through a communication channel and is output (340a).

Thereafter, the terminal inputs (or selects) login authentication information through the provided user interface (300b).

If the login authentication information is input (or selected) (305b), the terminal generates customer authentication data including the input login authentication information and transmits it to a server (or financial institution authentication server) through a security module to authenticate the customer. Request (310b).

Thereafter, the server (or financial institution authentication server) processes the authentication for the Internet banking customer through the customer authentication data received from the terminal (315b).

According to an exemplary embodiment of the present invention, in the authentication processing method for a customer accessing through the customer terminal 120, the login authentication information received from the customer terminal 120 is the customer D on the financial transaction server 100 It is preferable to process authentication for the customer by checking whether it matches the customer information provided in / B.

According to another exemplary embodiment of the present invention, in the authentication processing method for a customer accessing through the customer terminal 120, the login authentication information received from the customer terminal 120 is the communication network and the financial transaction server 100 It is preferable to process the authentication for the customer by checking whether the customer information provided in the financial company D / B 293 on the financial company server 105 connected through.

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the authentication processing method for the customer connected via the customer terminal 120, the detailed description thereof will be omitted for convenience.

If the customer authentication fails (320b), the server blocks the security channel for internet banking for the terminal (325b), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the customer authentication is successful (320b), the server activates the communication security module to secure the communication channel (or communication channel between the server and the financial transaction server 100) between the server and the securities transaction server (110) 330b), wherein the communication security channel is a predetermined electronic device in which information (or data) required for security among information (or data) to be provided from the server to the securities transaction server 110 is provided. When the signature is attached or encrypted and provided by at least one encryption method (or encryption algorithm), the securities transaction server 110 confirms the electronic signature or predetermined decryption corresponding to the encryption method (or encryption algorithm). A communication channel for decoding the information (or data) by a method (or a decoding algorithm).

Thereafter, the server generates customer authentication data including the received login authentication information and transmits to the securities transaction server 110 (or the securities company authentication server) through a security module to request customer authentication (335b), and the securities transaction. The server 110 (or the securities company authentication server) authenticates the Internet banking customer through the customer authentication data received from the financial transaction server 100 (340b).

According to an exemplary embodiment of the present invention, the authentication processing method for the login authentication information transmitted from the financial transaction server 100 to a customer connected through the customer terminal 120 may include the financial transaction server 100. It is preferable to process the authentication for the customer by checking whether the login authentication information received from the customer information provided in the customer D / B on the securities transaction server 110.

According to another exemplary embodiment of the present invention, an authentication processing method for login authentication information transmitted from the financial transaction server 100 to a customer connected through the customer terminal 120 may include the financial transaction server 100. ) To verify whether the login authentication information received from the customer information provided in the securities company D / B 295 on the securities company server 115 connected to the securities transaction server 110 through a communication network to process authentication of the customer. It is desirable to.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the authentication processing method for the login authentication information transmitted from the financial transaction server 100, the detailed description is omitted for convenience. do.

If the customer authentication is not successful (345b), the securities transaction server 110 transmits error information including the customer authentication failure to the server (350b), and the server is provided with a security module provided in the terminal. In connection with the security channel is switched to the Internet banking-based financial transaction channel (355b), and does not provide a securities transaction service for the customer connected to the financial transaction server (100).

On the other hand, if the customer authentication is successful (345b), the server is connected to the security module provided in the terminal to switch the security channel to the Internet banking-based financial transaction channel (355b), and then to the financial transaction server 100 It provides securities trading service and financial transaction service for the connected customers.

4 is a diagram illustrating an operation flow of a process of providing financial information and securities information in a financial transaction system that provides a securities transaction service at a financial company through an Internet banking screen according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates the transfer of predetermined log-in authentication information from a predetermined customer terminal 120 to a predetermined financial transaction server 100 to the financial transaction server 100 shown in FIG. When the authentication is completed in the illustrated stock transaction server 110, a financial transaction system that provides a securities transaction service from a financial company through an internet banking screen providing financial information and securities information to the customer terminal 120 shown in FIG. The operation flow for the process of providing financial information and securities information in the present invention, if a person having ordinary technical knowledge in the technical field to which the present invention belongs, financial services that provide securities trading services in financial companies through the Internet banking screen It will be possible to infer various implementation methods of the operation flow for the process of providing financial information and securities information in the trading system, but the present invention is inferred from all It is made, including the implementation method, the technical features are not limited only to the implementation method shown in FIG.

For example, a person having ordinary technical knowledge in the technical field to which the present invention belongs may provide financial information and securities information in a financial transaction system that provides a securities transaction service at a financial company through an Internet banking screen by referring to and modifying the drawing 4. Various implementation methods may be inferred, such as modifying the order of the operation flow for the process, but the present invention includes all the implementation methods inferred, and thus the present invention is not limited thereto.

Hereinafter, in FIG. 4, the financial transaction server 100 illustrated in FIG. 2 is referred to as a “server” for convenience, and the customer terminal 120 illustrated in FIG. 2 is referred to as a “terminal” for convenience.

Referring to FIG. 4, after the server successfully authenticates the login authentication information received from the terminal according to the process illustrated in FIGS. 3a and 3b, the terminal is connected to the financial system through FIGS. 3a and 3b. A web page for providing financial information and securities information is requested to the server through a transaction channel (400).

Thereafter, the server generates (or extracts) a web document corresponding to a web page for a financial transaction and a securities transaction service to be provided to the terminal (405), and the server finances to be transmitted to the terminal through the financial transaction channel. The web document corresponding to the web page for the transaction service is transmitted and output (410).

According to an embodiment of the present invention, the at least one web document corresponding to the web page for the financial transaction service, the financial information for the customer connected via the customer terminal 120 through the left area of the Internet banking screen ( For example, in addition to the securities trading account or the securities trading account, the customer's asset information, debt information, financial transaction information, recommendation product information, etc.) and the customer terminal (right) through the right area of the Internet banking screen. Securities information (eg, market information, stock price information, investment information, disclosure information, subscription information, securities transaction information, recommendation products for the customer) provided through the securities transaction server 110 corresponding to the customer accessed through 120 Information) and the like, and preferably at least one, and the area to be displayed on the Internet banking screen according to the intention and purpose of those skilled in the art. Various implementation methods, such as separating into an upper / lower region or outputting to a changed position, may be possible, but the present invention is not limited thereto.

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features of financial information or securities information, detailed description thereof will be omitted for convenience.

Thereafter, the server extracts financial information to be output to a predetermined area of the web document corresponding to the web page provided to the terminal from the financial company D / B 293 provided on the financial company server 105 (415).

According to an exemplary embodiment of the present invention, the financial information to be output through the financial transaction screen output unit is preferably extracted from the financial company D / B 293 provided on the financial company server 105 connected through the server and the communication network, Preferably, the extracted financial information is provided to the financial transaction screen output unit.

According to another exemplary embodiment of the present invention, the financial information to be output through the financial transaction screen output unit is an information D / B (not shown) provided on a predetermined information management server (not shown) connected through the communication network with the server. Preferably, the extracted financial information is provided to the financial transaction screen output unit.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the method of extracting the financial information to be output through the financial transaction screen output unit, detailed description thereof will be omitted for convenience.

Thereafter, the extracted financial information is output to a predetermined area of the web page provided from the server to the terminal (420).

According to an exemplary embodiment of the present invention, the financial transaction screen output may include at least one or more financial information to be provided to the customer (for example, the customer's asset information other than the securities transaction account or the securities transaction account which the customer has already subscribed to, Debt information, financial transaction information, recommended product information, etc., to a certain area of the web document (eg, the left area of the Internet banking screen, the right area of the Internet banking screen, the upper area of the Internet banking screen, and the Internet banking screen) It is desirable to output to the lower region of the).

According to another exemplary embodiment of the present invention, the financial transaction screen output may include at least one or more financial information to be provided to the customer (for example, the customer's asset information other than the securities transaction account or the securities transaction account which the customer has already subscribed to, Debt information, financial transaction information, recommended product information, etc.) from a financial company D / B 293 provided on the financial company server 105 connected to the server through a communication network, and provides a predetermined area of the web document provided to the terminal ( For example, it is preferable to output to the left area of the Internet banking screen, the right area of the Internet banking screen, the upper area of the Internet banking screen, the lower area of the Internet banking screen, and the like.

According to another exemplary embodiment of the present invention, the financial transaction output screen may include at least one or more financial information to be provided to the customer (for example, the customer's asset information other than the securities transaction account or the securities transaction account which the customer has already subscribed to). , Debt information, financial transaction information, recommendation product information, etc.), which is provided on the server (or predetermined information management server (not shown)) from the predetermined information D / B (not shown) and provided to the terminal. Preferably, the document is output to a certain area of the document (eg, the left area of the Internet banking screen, the right area of the Internet banking screen, the upper area of the Internet banking screen, the lower area of the Internet banking screen, etc.).

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the information to be output on the financial transaction output screen, detailed description thereof will be omitted for convenience.

Thereafter, the server receives the stock information from the stock trading server 110 through the communication channel (425), and the server schedules the web document corresponding to the web page provided to the terminal with the stock information received through the communication channel. Output to the area (430).

Here, the output of the securities information is preferably output to a predetermined area near the area for outputting the output financial information.

According to one embodiment of the present invention, the output request data reception, at least one or more to be output to a predetermined area of the web document provided to the terminal from the server from the securities transaction server 110 is connected to the server through a communication network It is preferable to receive securities information (eg, market information, stock price information, investment information, disclosure information, subscription information, securities transaction information for the customer, recommended product information, etc.).

According to an embodiment of the present invention, the output request data output is a certain area of the web document outputting the output request data received from the securities trading server 110 connected through the communication network with the server from the server ( For example, it is preferable to output to the left area of the Internet banking screen, the right area of the Internet banking screen, the upper area of the Internet banking screen, the lower area of the Internet banking screen, and the like.

According to another exemplary embodiment of the present invention, the output request data output (eg, stock information output) may include at least one or more stock information (eg, market information, stock price information, investment information, disclosure information, subscription information) to be provided to the customer. , A certain area (eg, left area of the Internet banking screen, a right area of the Internet banking screen) of a web document provided to the terminal by receiving securities transaction information, recommendation product information, etc. of the customer from the securities transaction server 110. Area, an upper area of the Internet banking screen, a lower area of the Internet banking screen, etc.).

According to another exemplary embodiment of the present invention, the output request data output (eg, stock information output) may include at least one or more stock information (eg, market information, stock price information, investment information, disclosure information, subscription information) to be provided to the customer. , Securities trading information for the customer, recommended product information, etc.) from the securities company D / B 295 provided on the securities company server 115 connected to the securities trading server 110 through a communication network and provided to the terminal. It is desirable to output a certain area of the web document (for example, the left area of the Internet banking screen, the right area of the Internet banking screen, the upper area of the Internet banking screen, the lower area of the Internet banking screen, etc.).

According to another exemplary embodiment of the present invention, the output request data output (eg, stock information output) may include at least one or more securities information (eg, market information, stock price information, investment information, disclosure information, subscription) to be provided to the customer. Information, securities transaction information for the customer, recommended product information, etc.) is extracted from predetermined information D / B (not shown) provided in the securities transaction server 110 (or a predetermined information management server (not shown)). It is preferable to output to a certain area (eg, the left area of the Internet banking screen, the right area of the Internet banking screen, the upper area of the Internet banking screen, the lower area of the Internet banking screen, etc.) of the web document provided to the terminal. .

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the information to be output in the output request data output (eg, stock information output), detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the user interface for inputting the securities transaction request information may include a predetermined area of a web document provided to the terminal (eg, a left area of an internet banking screen, a right area of an internet banking screen, and an internet banking screen). It is desirable to output to the upper area, the lower area of the Internet banking screen.

According to another exemplary embodiment of the present invention, the user interface for inputting the stock transaction request information may be output through a pop-up window including a user interface for inputting the stock transaction request information in addition to the web document provided to the terminal. .

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the method for outputting the user interface for inputting the stock transaction request information, detailed description thereof will be omitted for convenience.

5 is a diagram illustrating an operation flow of a process of providing a financial transaction service in a financial transaction system that provides a securities transaction service at a financial company through an Internet banking screen according to an embodiment of the present invention.

In more detail, FIG. 5 transmits predetermined log-in authentication information from a predetermined customer terminal 120 to a predetermined financial transaction server 100, and the financial transaction server 100 shown in FIG. 2 and FIG. When the authentication is completed in the illustrated stock transaction server 110, a financial transaction system that provides a securities transaction service from a financial company through an internet banking screen providing financial information and securities information to the customer terminal 120 shown in FIG. Shows a flow of operations for providing a financial transaction service in the case of a person having ordinary technical knowledge in the technical field to which the present invention belongs, financial transaction that provides a securities transaction service in a financial company through the Internet banking screen. Although various implementation methods of the operation flow for the process of providing a financial transaction service in the system may be inferred, the present invention may infer all implementation methods inferred from the above. It is made, including the law, the technical features are not limited only to the implementation method shown in FIG.

For example, if a person having ordinary technical knowledge in the technical field to which the present invention belongs, the process of providing a financial transaction service in a financial transaction system that provides a securities transaction service in a financial company through an Internet banking screen by referring to and modifying the drawing 5. Various implementation methods may be inferred, such as modifying the order of the operational flows for the present invention. However, the present invention includes all the implementation methods inferred above, and the present invention is not limited thereto.

Hereinafter, in FIG. 5, the financial transaction server 100 illustrated in FIG. 2 is referred to as a “server” for convenience, and the customer terminal 120 illustrated in FIG. 2 is referred to as a “terminal” for convenience.

Referring to FIG. 5, after the server succeeds in the authentication process for the login authentication information received from the terminal according to the process illustrated in FIGS. 3a and 3b, the terminal is connected to the financial system through FIGS. 3a and 3b. A web page for a financial transaction service is requested to the server through a transaction channel (500).

Thereafter, the server generates (or extracts) a web page including a user interface for inputting (or selecting) financial transaction request information (505), and transmits and outputs the generated (or extracted) web page to the terminal. (510).

According to an exemplary embodiment of the present invention, the user interface for inputting the financial transaction request information may include a predetermined area of a web document provided to the customer terminal 120 (eg, a left area of the internet banking screen, a right area of the internet banking screen, It is desirable to output to the upper region of the Internet banking screen, the lower region of the Internet banking screen, etc.).

According to another exemplary embodiment of the present invention, the user interface for inputting the financial transaction request information may be output through a pop-up window including a user interface for inputting financial transaction request information in addition to the web document provided to the customer terminal 120. It is desirable to.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the method for outputting the user interface for inputting the financial transaction request information, so the detailed description is omitted for convenience.

Thereafter, the terminal inputs (or selects) financial transaction request information through the user interface for inputting (or selecting) the financial transaction request information (515), and if the financial transaction request information is input (or selected) (520). The terminal transmits financial transaction request information to the server through the financial transaction channel (525).

The server checks the validity of the received financial transaction request information (530).

According to an embodiment of the present invention, the financial transaction request information is at least one encryption method (eg, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.). Is encrypted, the server may further include at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, an electronic envelope based decryption method) corresponding to the encryption method. Or a key exchange based decryption scheme), so as to authenticate the validity of the received financial transaction request information.

Alternatively, when a predetermined electronic signature is attached to the financial transaction request information, the server may verify the validity of the received financial transaction request information by checking the electronic signature attached to the financial transaction request information. .

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted financial transaction request information, and technical characteristics for confirming an electronic signature attached to the financial transaction request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the received financial transaction request information further includes a predetermined password for confirming validity of the financial transaction request information, the server is included in the financial transaction request information and received. It is preferable to authenticate the validity of the received financial transaction request information by comparing and authenticating a password and a password provided corresponding to the customer on the DBMS.

Alternatively, when the received financial transaction request information further includes predetermined security card information for confirming validity of the financial transaction request information, the server includes the received security card information included in the financial transaction request information. And by comparing and authenticating the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received financial transaction request information.

Or, if the received financial transaction request information further includes a predetermined OTP code for confirming the validity of the financial transaction request information, the server is included in the financial transaction request information and the received OTP code and the It is preferable to authenticate the validity of the received financial transaction request information by comparing and authenticating an OTP code generated based on predetermined OTP generation information provided corresponding to the customer on a DBMS.

If the validity of the financial transaction request information is not authenticated (535), the server generates (or extracts) validity error information about the financial transaction request information and transmits it to the terminal (540). The processing of the request information is terminated.

On the other hand, if the validity of the financial transaction request information is authenticated (535), the server processes the financial transaction request information in association with the financial institution server 105 (545).

According to the method of the present invention, the financial transaction request information input through the user interface for inputting the financial transaction request information output in a predetermined area of the web document provided to the customer terminal 120 is the customer terminal 120 When provided to the financial transaction server 100, the financial transaction processing unit 260 may process the financial transaction request information in association with the financial company server 105 in response to the received financial transaction request information. Do.

Those skilled in the art to which the present invention pertains know the technical characteristics of the financial transaction processing, that is, the technical characteristics of a method for providing a financial transaction service to a predetermined customer through Internet banking. Since there will be, detailed description is omitted for convenience.

6 is a diagram illustrating an operation flow of a process of providing a securities transaction service in a financial transaction system in which a financial company provides a securities transaction service through an Internet banking screen according to an embodiment of the present invention.

More specifically, FIG. 6 transmits predetermined login authentication information from a predetermined customer terminal 120 to a predetermined financial transaction server 100 to transmit the predetermined financial authentication server 100 shown in FIG. When the authentication is completed in the illustrated stock transaction server 110, a financial transaction system that provides a securities transaction service from a financial company through an internet banking screen providing financial information and securities information to the customer terminal 120 shown in FIG. Shows a flow of operations for providing a securities transaction service in the present invention, a person having ordinary technical knowledge in the technical field to which the present invention belongs, a financial transaction system for providing a securities transaction service at a financial company through the Internet banking screen Although it may be possible to infer various implementation methods of the operation flow for the process of providing the securities transaction service in the present invention, the present invention provides all implementation methods inferred from the above. It becomes to include the place, to which the technical feature that is not limited to the exemplary method shown in the figure 6.

For example, if a person having ordinary technical knowledge in the technical field to which the present invention belongs, the process of providing a securities transaction service in a financial transaction system that provides a securities transaction service at a financial company through an Internet banking screen by referring to and modifying the present drawing 6. Various implementation methods may be inferred, such as modifying the order of the operational flows for the present invention. However, the present invention includes all the implementation methods inferred above, and the present invention is not limited thereto.

Hereinafter, in FIG. 6, the stock trading server 110 illustrated in FIG. 2 is referred to as a “server” for convenience, and the customer terminal 120 illustrated in FIG. 2 is referred to as a “terminal” for convenience.

Referring to FIG. 6, after the financial transaction server 100 successfully authenticates the login authentication information received from the terminal according to the processes illustrated in FIGS. 3a and 3b, the terminal is connected to FIGS. 3a and 3b. A web page for a financial transaction service is requested to the financial transaction server 100 through the financial transaction channel connected through 3b (600).

The financial transaction server 100 requests a web page for a securities transaction service through a communication channel connected to the server (605), and the server includes a user interface for inputting (or selecting) the securities transaction request information. The web page is generated (or extracted) at step 610 and transmitted to the financial transaction server 100 through the communication channel at step 615.

Subsequently, the financial transaction server 100 transmits a web page including a user interface for inputting (or selecting) securities transaction request information received from the server to a predetermined region of a web page output to the terminal. Output 620.

According to an embodiment of the present invention, the user interface for inputting the securities transaction request information may include a predetermined area of a web document provided to the terminal (eg, a left area of an internet banking screen, a right area of an internet banking screen, and an internet banking screen). The upper area, the lower area of the Internet banking screen).

According to another exemplary embodiment of the present invention, the user interface for inputting the stock transaction request information may be output through a pop-up window including a user interface for inputting financial transaction request information in addition to the web document provided to the terminal. .

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the method for outputting the user interface for inputting the stock transaction request information, detailed description thereof will be omitted for convenience.

Thereafter, the terminal inputs (or selects) financial transaction request information through the user interface for inputting (or selecting) the financial transaction request information (625), and when the financial transaction request information is input (or selected) (630). The terminal transmits financial transaction request information to the server through the financial transaction channel (635), and the server receives the transmitted financial transaction request information.

According to an embodiment of the present invention, the financial transaction server 100 may include at least one encryption method (eg, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or the like) for the securities transaction request information. Or a key exchange-based encryption method, or the like), or attach the electronic signature to the securities transaction request information and transmit the same to the securities transaction server 110 through the communication network. 110 preferably includes at least one encryption key corresponding to the encryption scheme.

Those skilled in the art to which the present invention pertains know the technical features of various encryption schemes for encrypting the securities transaction request information and the technical characteristics of attaching a predetermined electronic signature to the securities transaction request information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server processes the securities transaction request information in association with the securities company server 115 (645).

According to an embodiment of the present invention, the securities transaction request information input through the user interface for inputting the securities transaction request information output in a predetermined area of the web document provided from the financial transaction server 100 to the customer terminal 120 is When provided to the securities transaction server 110 through the customer terminal 120, the securities transaction processing unit 290 in connection with the securities company server 115 in response to the received securities transaction request information, the securities transaction It is desirable to process the request information.

As those skilled in the art to which the present invention pertains, the technical characteristics of the securities transaction processing, that is, the technical characteristics of the method for providing a securities transaction service through the Internet provided by the securities company will be familiar with. , Detailed description is omitted for convenience.

7 is a diagram illustrating an example screen of a user interface provided by a financial transaction system that provides a securities transaction service at a financial company through an Internet banking screen according to an embodiment of the present invention.

In more detail, FIG. 7 provides a securities transaction service at a financial company through an internet banking screen, which provides a financial transaction and a securities transaction service from a predetermined financial transaction server 100 to at least one customer terminal 120. As an example screen of a user interface provided by a financial transaction system, a person having ordinary knowledge in the technical field to which the present invention pertains refers to a service for securities transaction in a financial company through the Internet banking screen by referring to and modifying the drawing 7. Various implementation methods for the example screen of the user interface provided by the financial transaction system providing a can be inferred, but the present invention includes all the implementation methods inferred, and only by the implementation method shown in FIG. The technical features are not limited.

For example, a person having ordinary technical knowledge in the art to which the present invention pertains may implement the method of outputting the left frame region and the right frame region shown in FIG. 7 to the upper frame region and the lower frame region, or those of ordinary skill in the art. And an implementation method of outputting financial information or securities information in a predetermined region of a web document corresponding to a web page output to the web browser according to the purpose, but the present invention is not limited thereto.

Referring to FIG. 7, the user interface screen provided by the financial transaction system includes financial information corresponding to a customer connected through the customer terminal 120 illustrated in FIG. 2 (eg, a securities transaction account previously registered by the customer). Or to output the customer's asset information, debt information, financial transaction information, recommendation product information, etc. in addition to the securities transaction account, or to use the financial transaction service provided by the financial transaction server 100 shown in FIG. A left frame region for outputting a user interface for inputting financial transaction request information, and stock information (eg, market information, stock price information, investment information, etc.) corresponding to a customer connected through the customer terminal 120 shown in FIG. Disclosure information, subscription information, securities transaction information, recommendation product information, etc. for the customer) or the financial transaction server 10 shown in FIG. And a right frame region for outputting a user interface for inputting securities transaction request information for using the securities transaction service provided through the securities transaction server 110 associated with 0).

The left frame region may include financial information corresponding to a customer connected through the customer terminal 120 shown in FIG. 2 (eg, asset information of the customer other than the securities transaction account or the securities transaction account to which the customer has previously subscribed); Debt information, financial transaction information, recommendation product information, etc.) or a user interface for inputting financial transaction request information for using a financial transaction service provided by the financial transaction server 100 shown in FIG. It is characterized by.

According to an exemplary embodiment of the present invention, the financial transaction screen output may include at least one or more financial information to be provided to the customer (for example, the securities transaction account or the securities transaction account to which the customer has previously subscribed) Information, financial transaction information, recommendation product information, etc.) from the financial information extracting unit 255 and a predetermined area of the web document provided to the customer terminal 120 (eg, the left area of the Internet banking screen, the Internet banking screen). Right area, the upper area of the Internet banking screen, the lower area of the Internet banking screen, etc.).

According to another exemplary embodiment of the present invention, the financial transaction screen output may include at least one or more financial information to be provided to the customer (for example, the customer's asset information other than the securities transaction account or the securities transaction account which the customer has already subscribed to, Debt information, financial transaction information, recommendation product information, etc.) from the financial company D / B 293 provided on the financial company server 105 connected to the financial transaction server 100 through a communication network, and the customer terminal 120. It is preferable to output to a certain area (eg, the left area of the Internet banking screen, the right area of the Internet banking screen, the upper area of the Internet banking screen, the lower area of the Internet banking screen, etc.) of the provided web document.

According to another exemplary embodiment of the present invention, the financial transaction output screen may include at least one or more financial information to be provided to the customer (for example, the customer's asset information other than the securities transaction account or the securities transaction account which the customer has already subscribed to). Debt information, financial transaction information, recommended product information, etc.) from the predetermined information D / B (not shown) included in the financial transaction server 100 (or a predetermined information management server (not shown)). To output to a certain area of the web document provided to the customer terminal 120 (eg, the left area of the Internet banking screen, the right area of the Internet banking screen, the upper area of the Internet banking screen, the lower area of the Internet banking screen, etc.). desirable.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the information to be output on the financial transaction output screen, detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the user interface for inputting the financial transaction request information may include a predetermined area of a web document provided to the customer terminal 120 (eg, a left area of the internet banking screen, a right area of the internet banking screen, It is desirable to output to the upper region of the Internet banking screen, the lower region of the Internet banking screen, etc.).

According to another exemplary embodiment of the present invention, the user interface for inputting the financial transaction request information may be output through a pop-up window including a user interface for inputting financial transaction request information in addition to the web document provided to the customer terminal 120. It is desirable to.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the method for outputting the user interface for inputting the financial transaction request information, so the detailed description is omitted for convenience.

The right frame area includes securities information (eg, market information, stock price information, investment information, disclosure information, subscription information, and securities transactions corresponding to the customer connected through the customer terminal 120 shown in FIG. 2). Information, recommendation product information, etc.) or for inputting securities transaction request information for using a securities transaction service provided through the securities transaction server 110 associated with the financial transaction server 100 shown in FIG. And outputting a user interface.

According to an embodiment of the present invention, the output request data output is the financial transaction server 100 in the financial transaction server 100 and the output request data received from the securities transaction server 110 connected through the communication network It is preferable to output to a certain area of the web document output to the customer terminal 120 (for example, the left area of the Internet banking screen, the right area of the Internet banking screen, the upper area of the Internet banking screen, the lower area of the Internet banking screen, etc.). Do.

According to another exemplary embodiment of the present invention, the output request data output (eg, stock information output) may include at least one or more stock information (eg, market information, stock price information, investment information, disclosure information, subscription information) to be provided to the customer. A certain area of the web document (for example, the left area of the Internet banking screen, the Internet) received from the securities transaction server 110 and provided to the customer terminal 120. The right area of the banking screen, the upper area of the Internet banking screen, the lower area of the Internet banking screen, etc.).

According to another exemplary embodiment of the present invention, the output request data output (eg, stock information output) may include at least one or more stock information (eg, market information, stock price information, investment information, disclosure information, subscription information) to be provided to the customer. And securities company D / B 295 provided on the securities company server 115 connected to the securities transaction server 110 through a communication network. It is preferable to output to a certain area (eg, the left area of the Internet banking screen, the right area of the Internet banking screen, the upper area of the Internet banking screen, the lower area of the Internet banking screen, etc.) provided by the web document.

According to another exemplary embodiment of the present invention, the output request data output (eg, stock information output) may include at least one or more securities information (eg, market information, stock price information, investment information, disclosure information, subscription) to be provided to the customer. Information, securities transaction information for the customer, recommended product information, etc.) is extracted from predetermined information D / B (not shown) provided in the securities transaction server 110 (or a predetermined information management server (not shown)). To be output to a certain area (eg, the left area of the Internet banking screen, the right area of the Internet banking screen, the upper area of the Internet banking screen, the lower area of the Internet banking screen, etc.) provided to the customer terminal 120. It is desirable to.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the information to be output in the output request data output (eg, stock information output), detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the user interface for inputting the securities transaction request information may include a certain area (eg, a left area of the Internet banking screen, a right area of the Internet banking screen) of a web document provided to the customer terminal 120. It is desirable to output to the upper region of the Internet banking screen, the lower region of the Internet banking screen, etc.).

According to another exemplary embodiment of the present invention, the user interface for inputting the stock transaction request information may be output through a pop-up window including a user interface for inputting the stock transaction request information in addition to the web document provided to the customer terminal 120. It is desirable to.

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the method for outputting the user interface for inputting the stock transaction request information, detailed description thereof will be omitted for convenience.

According to the present invention, there is an advantage that the securities transaction service can be further provided in addition to the financial transaction service through internet banking provided by a financial institution such as a bank.

In addition, when a customer connects to a financial transaction server, a SSO (Single Sign On) function can be provided by providing a customer authentication information to a securities company that is affiliated with a financial institution that provides internet banking service so that the user can log in at a time. When accessing the transaction server at the same time securities information (for example, market information, stock price information, investment information, disclosure information, subscription information, securities trading information for the customer, recommendation product information, etc.) can be provided.

Claims (5)

At least one financial transaction frame (or area) for processing non-face-to-face financial transactions provided by a financial institution; and a securities transaction frame (or area) for processing non-face-to-face securities transactions provided by securities companies affiliated with the financial company. In the page providing method, When the authentication of the login authentication information transmitted by the customer through the terminal is completed, the authentication information transmitting means transmits the login authentication information to the affiliated securities company server so as to authenticate whether or not the client has opened a securities transaction account with the affiliated securities company. Customer authentication step; When the login authentication information is authenticated by the affiliated securities firm, at least one financial transaction frame (or region) is output on a page provided to the terminal by an output processing means, and a predetermined region near the financial transaction frame (or region) is output. An output processing step of processing a securities transaction frame (or region) for processing a securities transaction through the customer's securities transaction account; Securities transactions corresponding to the securities transaction account of the customer in the securities transaction frame (or region) output to the terminal through the affiliated securities company server corresponding to the securities transaction frame (or region) output from the output control means to the terminal; A control step of controlling the page to be provided; Securities transaction page providing method through a non-face-to-face banking comprising a. At least one financial transaction frame (or area) for processing non-face-to-face financial transactions provided by a financial institution; and a securities transaction frame (or area) for processing non-face-to-face securities transactions provided by securities companies affiliated with the financial company. In the page providing method, A first authentication step of authenticating, by the authentication processing means, the customer through the login authentication information and confirming whether a securities affiliated account is opened at the financial institution when the customer transmits the login authentication information through the terminal; A second authentication step of, if it is confirmed that the securities affiliate account of the customer is opened, transmitting the login authentication information to an affiliated securities company server corresponding to the securities affiliate account to process authentication; When the login authentication information is authenticated by the affiliated securities firm, at least one financial transaction frame (or region) is output on a page provided to the terminal by an output processing means, and a predetermined region near the financial transaction frame (or region) is output. An output processing step of processing a securities transaction frame (or an area) for processing a securities transaction through the securities affiliate account of the customer; Securities transactions corresponding to the securities trading account of the customer in the securities transaction frame (or region) output to the terminal through the affiliated securities company server corresponding to the securities transaction frame (or region) output from the output control means to the terminal; Control step of controlling the page to be provided; Securities transaction page providing method through non-face-to-face banking comprising a. The method of claim 1, wherein the output processing step, If the login authentication information is not authenticated by the affiliated securities firm, processing the securities transaction frame (or region) as the financial transaction frame (or region) in the output processing means; How to provide securities trading page through face-to-face banking. A recording medium comprising a program for executing the method of any one of claims 1 to 2. At least one financial transaction frame (or area) for processing non-face-to-face financial transactions provided by a financial institution; and a securities transaction frame (or area) for processing non-face-to-face securities transactions provided by securities companies affiliated with the financial company. In a page serving system, Authentication information transmission means for processing authentication to transmit the login authentication information to the affiliated securities company server when authentication for the login authentication information transmitted by the customer through the terminal is completed; When the login authentication information is authenticated by the affiliated securities firm, at least one financial transaction frame (or region) is output on a page provided to the terminal, and the customer is placed in a predetermined region near the financial transaction frame (or region). Output processing means for processing a securities transaction frame (or region) for processing a securities transaction through a securities account; Control so that a stock trading page corresponding to the customer's securities account is provided to the stock trading frame (or region) output to the terminal through an affiliated securities company server corresponding to the stock trading frame (or region) output to the terminal. Securities transaction page providing system through non-face-to-face banking, characterized in that the output control means;

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