KR20090014702A - System and method for connecting non-faced stock exchange page and recording medium - Google Patents

Abstract

A non-facing financial transactional page interlocking method, a system, and a recording medium therefor are provided to offer a unified management method to a customer through information provided to the customer, so that the customer can receive a more convenient financial service. An authentication information transmitter(230) transmits login authentication information to at least one associated corporation server for authentication. An output processor(245) processes so that at least one associated frame, where the login authentication information is authenticated, is outputted to a certain area around financial transactional frames. Through the at least one associated corporation server corresponding to the at least one associated frame outputted to a terminal(150), an output controller controls so that non-facing transactional pages equivalent to each associated corporation are provided to each associated frame outputted to the terminal.

Description

System and Method for Connecting Non-faced Stock Exchange Page 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.

2A, 2B, 2C, and 2D are diagrams illustrating the configuration of a financial transaction system that provides a securities transaction, card transaction, insurance transaction, and asset management company transaction service at a financial company through an Internet banking screen according to an embodiment of the present invention. Drawing.

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

8 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.

9 is a diagram illustrating an operation flow of a process of providing an asset management company transaction service in a financial transaction system that provides an asset management company transaction service through an internet banking screen according to an embodiment of the present invention.

10 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 server

120: card transaction server 125: card company server

130: insurance transaction server 135: insurance company server

140: asset manager trading server 145: asset manager server

150: customer terminal

The present invention provides at least one financial transaction frame (or area) for processing non-face-to-face financial transactions provided by financial institutions, and at least one non-affiliate affiliated with the financial company-card company, securities company, insurance company, asset management company, etc. In the page providing method comprising at least one affiliate frame (or area) for processing the face-to-face transaction, if the authentication of the login authentication information sent by the customer through the terminal is completed, the login authentication information in the authentication information transmission means Transmitting the at least one affiliate server to the at least one affiliate server to authenticate the at least one affiliate server, and if the login authentication information is authenticated at at least one affiliate server, at least one financial transaction frame (or area) on a page provided to the terminal by an output processing unit. Is processed to be outputted, and the financial transaction frame ( Or at least one affiliated frame (or region) in which the login authentication information is authenticated in a predetermined region, and at least one affiliated frame (or region) output from the output control means to the terminal. A non-face-to-face financial transaction page interworking method comprising the step of controlling to provide a non-face-to-face transaction page corresponding to each partner in each affiliate frame (or region) output to the terminal through at least one affiliate server corresponding to each other. will be.

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, the rapid development of the financial industry has developed into a holding company-type financial holding company that integrates credit card companies, securities companies, insurance companies, asset management companies, etc., thereby integrating customer information and transaction information managed by each financial institution. There is a need for customer convenience to provide information and make transactions.

However, at this point, there is a difficult problem of accessing a bank homepage for internet banking and accessing a card company for card information verification.

An object of the present invention for solving the above problems is, at least one financial transaction frame (or area) for processing non-face-to-face financial transactions provided by financial institutions, and at least one affiliate-card company, securities company, insurance company affiliated with the financial company In the page providing system comprising at least one or more affiliate frames (or areas) for processing non-face-to-face transactions provided by the asset management company, etc., when the authentication of the login authentication information sent by the customer is completed, Authentication information transmission means for processing the authentication authentication information by transmitting the login authentication information to at least one affiliate server, and if the login authentication information is authenticated by at least one affiliate company, at least one financial transaction frame on the page provided to the terminal ( Or region) to be outputted, and the finance Affiliation selection frame (or area) for selecting a specific affiliate from among affiliates whose login authentication information is authenticated is output in a certain area near a frame (or area), and selected in a certain area near the affiliate selection frame (or area). Output processing means for processing to output an affiliate frame (or region) corresponding to an affiliate, and an affiliate frame (or region) output to the terminal through an affiliate server selected through the affiliate selection frame (or region). A non-face-to-face financial transaction page interworking system including an output control means for controlling a corresponding non-face-to-face transaction page is provided.

Non-face-to-face financial transaction page interworking method according to the present invention, at least one financial transaction frame (or area) for processing the non-face-to-face financial transactions provided by the financial company, at least one affiliated company-card company, securities company, affiliated with the financial company, In the page providing method comprising at least one affiliate frame (or area) for processing non-face-to-face transactions provided by insurance companies, asset management companies, etc., if the authentication of the login authentication information sent through the terminal is completed by the customer And transmitting the login authentication information to at least one affiliate server to authenticate the authentication information by means of an authentication information transmitting means. If the login authentication information is authenticated by at least one affiliate company, the output processing means provides a page to the terminal. At least one financial transaction frame (or territory) And outputting at least one affiliated frame (or region) in which the login authentication information is authenticated to a certain region near the financial transaction frame (or region), and outputting the output to the terminal from the output control means. Controlling a non-face transaction page corresponding to each affiliate to be provided in each affiliate frame (or region) output to the terminal through at least one affiliate server corresponding to at least one or more affiliate frames (or regions). Characterized in that made.

Non-face-to-face financial transaction page interworking method according to the present invention, at least one financial transaction frame (or area) for processing the non-face-to-face financial transactions provided by the financial company, at least one affiliated company-card company, securities company, affiliated with the financial company, In the page providing method comprising at least one affiliate frame (or area) for processing non-face-to-face transactions provided by insurance companies, asset management companies, etc., if the authentication of the login authentication information sent through the terminal is completed by the customer And transmitting the login authentication information to at least one affiliate server to authenticate the authentication information by means of an authentication information transmitting means. If the login authentication information is authenticated by at least one affiliate company, the output processing means provides a page to the terminal. At least one financial transaction frame (or territory) The affiliate selection frame (or region) for selecting a specific affiliate among the affiliates whose login authentication information is authenticated in a predetermined region near the financial transaction frame (or region), and output the affiliate selection frame (or region). Processing to output an affiliate frame (or region) corresponding to the selected affiliate in a certain region near the region), and output the means to the terminal through the affiliate server selected through the affiliate selection frame (or region). And controlling a non-face-to-face transaction page corresponding to the affiliate in a frame (or region).

On the other hand, it includes a recording medium recording a program for executing the above-described non-face-to-face financial transaction page interworking method.

The non-face-to-face financial transaction page interworking system according to the present invention includes at least one financial transaction frame (or area) for processing a non-face-to-face financial transaction provided by a financial company, and at least one affiliate-card company, securities company, In a page providing system including at least one affiliate frame (or area) for processing non-face-to-face transactions provided by insurance companies, asset management companies, etc., if the authentication of the login authentication information sent through the terminal is completed by the customer At least one financial transaction frame on a page provided to the terminal when the login authentication information is authenticated by at least one affiliate company; (Or region) to be outputted, and Output processing means for processing at least one affiliate frame (or region) in which the login authentication information is authenticated to a predetermined region near a financial transaction frame (or region), and at least one affiliate frame (or region) output to the terminal And an output control means for controlling a non-face-to-face transaction page corresponding to each affiliate in each affiliate frame (or region) outputted to the terminal through at least one affiliate server corresponding to).

On the other hand, the non-face-to-face financial transaction page interworking system according to the present invention, at least one financial transaction frame (or area) for processing the non-face-to-face financial transactions provided by the financial company, at least one affiliated-card company affiliated with the financial company, In a page providing system including at least one affiliate frame (or area) for processing non-face-to-face transactions provided by a securities company, insurance company, asset management company, etc., authentication for the login authentication information sent by the customer through the terminal Upon completion, the authentication information transmission means for transmitting the login authentication information to at least one affiliate server for processing and authentication, and if the login authentication information is authenticated in at least one affiliate company, at least one financial information on a page provided to the terminal. Process the transaction frame (or region) to be output And processing to output an affiliate selection frame (or region) for selecting a specific affiliate among the affiliates whose login authentication information is authenticated in a predetermined region near the financial transaction frame (or region), and work near the affiliate selection frame (or region). Output processing means for processing to output an affiliate frame (or region) corresponding to the selected affiliate in a specific region, and an affiliate frame (or region) output to the terminal through the affiliate server selected through the affiliate selection frame (or region); It characterized in that it comprises an output control means for controlling to provide a non-face-to-face transaction page corresponding to the affiliate.

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, a person having ordinary technical knowledge in the technical field to which the present invention pertains may include 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. In addition, this invention is not limited by this.

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. Or a customer terminal including at least one or more, and an internet banking user interface that is connected to the customer terminal 150 through a predetermined communication network to provide a securities transaction service at a financial company through the Internet banking screen. In response to the financial transaction request received through the customer terminal 150, the financial transaction server 100 to process the financial transaction, in connection with the financial transaction server 100 to process a general financial transaction, or the securities It characterized in that it comprises a financial institution server 105 opened a trading account do.

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. A stock trading server 110 that receives information and processes securities transactions in response to the received information; and a financial company D / B 265 of the financial firm server 105 in association with the stock trading server 110. Securities trading through the provided securities trading account, or the securities company server 115 for providing the securities trading information to the customer terminal through the securities trading server 110 is characterized in that it is made.

In addition, a financial transaction system for providing a card transaction service at a financial company through the Internet banking screen, a card transaction request input and transmitted through a card transaction interface output on the Internet banking screen provided by the financial transaction server 100. A card transaction server 120 for receiving information and processing card transactions in response to the received information, and a financial company D / B 265 of the financial company server 105 in association with the card transaction server 120. Card transactions are provided through the provided card transaction account, or the card company server for providing card transaction information to the customer terminal through the card transaction server 120, characterized in that made.

In addition, a financial transaction system for providing an insurance transaction service at a financial company through the Internet banking screen is an insurance transaction request input and transmitted through an insurance transaction interface output on an internet banking screen provided by the financial transaction server 100. An insurance transaction server 130 that receives information and processes insurance transactions in response to the received information, and the financial company D / B 265 of the financial company server 105 in association with the insurance transaction server 130. It is characterized in that it is provided with an insurance company server 135 for making an insurance transaction through the provided insurance transaction account, or providing insurance transaction information to the customer terminal through the insurance transaction server 130.

In addition, a financial transaction system for providing an asset management company transaction service at a financial company through the Internet banking screen is an asset input and transmitted through an asset management company transaction interface output on an internet banking screen provided by the financial transaction server 100. The financial company D of the financial company server 105 in connection with the asset management company transaction server 140 and the asset management company transaction server 140 for receiving manager transaction request information and processing asset management company transactions in response to the received information. Asset management company transactions through the asset management company trading account provided in / B (265), or the asset management company server 145 for providing asset management company transaction information to the customer terminal through the asset management company trading server 140, Characterized in that made.

If those having ordinary technical knowledge in the technical field to which the present invention belongs, securities company server 115, card company server 125, insurance company server 135, asset management company server 145 through the description of the financial company server 105 It is easy to infer the technical characteristics of), and also understand the technical characteristics of the securities company server 115, securities company server 115, card company server 125, insurance company server 135, asset management server 145. Since it will be, the detailed description of the securities company server 115, securities company server 115, card company server 125, insurance company server 135, asset management company server 145 will be omitted for convenience, thereby limiting the present invention Not.

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 Internet banking server, a network (for example, wired Internet, or IEEE 802.11x based wireless LAN connected to a TCP / IP-based backbone network through the Internet banking server) Or at least one client terminal (eg, a personal computer (PC) or laptop equipped with the wired Internet access and browsing function) connected to an HSDPA-based wireless communication network, or an IEEE 802.16x-based portable Internet, and the like. Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop or a mobile terminal equipped with a mobile Internet access and 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)); Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a smartphone, etc.).

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 (293 or payment system), or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless) Banking, IC chip-based wireless banking, tele banking, TV banking, etc.) to the financial institution server 105 And an external system providing various financial transaction interfaces through at least one or more common networks (eg, CD common network, financial common network), and the financial company server 105 may be provided with 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 265 for storing at least one ledger for the purpose, wherein the financial company D / B 265 is at least one financial transaction processing provided by the financial company to the financial transaction customer. At least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing the attributes and functions of each ledger) It is characterized in that the relationship is stored in relation to the relationship (Relationship), the ledger information is the securities To below containing a predetermined account ledger corresponding to the account it is characterized in that formed.

Those skilled in the art to which the present invention belongs, at least one or more ledger information provided in the financial company D / B (265) according to the type and the purpose and characteristics of each financial company server 105, In addition to being familiar with at least one ledger additional information corresponding to each ledger information, each ledger information is linked and stored in a relational manner, or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, 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.

In addition, the financial transaction server 100 connected to the client terminal is any one of an Internet banking server, a wireless banking server, a tele banking server or a TV banking server according to the characteristics and communication network of the client terminal, or for the information registration It is preferable to include a separate web server.

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 150 is an automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal, an ATM, a cash dispenser. 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 Terminals (or servers 293 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 150 is the financial automatic device (not shown), the financial automated device (not shown), the financial automated 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 client terminal 150. 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 that is 150, 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 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 150 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 150 is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial transaction server 100 (or a security) The transaction server 110 may be a predetermined Internet banking server provided on the Internet banking system, a program included in the Internet banking server, or an external system of the financial company server 105 through the Internet banking system. Any server (or device) that is accessible, a program included in the server (or device), or an external system on the financial institution server 105 that is accessible through the Internet banking server (or the server (or device)). It may be a server (or device) provided in, or a program provided in the external world on the financial institution server 105, It does not limit the invention.

According to another exemplary embodiment of the present invention, when the customer terminal 150 is a client terminal including a wireless terminal connectable to 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 150 is a call terminal (not shown) connectable with 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 150 is a wired terminal (or two-way digital TV) connectable to 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.

2A, 2B, 2C, and 2D illustrate a diagram of a financial transaction system providing a securities transaction, card transaction, insurance transaction, and asset management company transaction service at a financial company through an Internet banking screen according to an embodiment of the present invention. Drawing.

In more detail, Figures 2a, 2b, 2c, 2d is a financial transaction, securities transaction, card transaction, insurance transaction, asset management company transaction from a predetermined financial transaction server 100 to at least one customer terminal 150 A financial transaction that provides a transaction service including at least one of a financial transaction, a stock transaction, a card transaction, an insurance transaction, and an asset management company transaction through an internet banking screen, wherein the transaction service includes at least one transaction service. As a system configuration, those of ordinary skill in the art to which the present invention pertains, refer to and modify the drawings 2a, 2b, 2c, 2d, financial transactions, securities in the financial company through the Internet banking screen Various implementations of financial transaction system configuration that provides transaction services including at least one transaction, card transaction, insurance transaction, and asset manager transaction The method may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIGS. 2A, 2B, 2C, and 2D.

For example, those of ordinary skill in the art to which the present invention pertains may include the financial transaction server 100, the securities transaction server 110, and the card transaction server illustrated in FIGS. 2A, 2B, 2C, and 2D. 120, the insurance transaction server 130, each of the functional components or the functional configuration means provided in the asset management company transaction server 140 may be provided in at least one or more servers, whereby 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 financial transaction server 100 shown in Figure 2a, the card transaction server 120 shown in Figure 2b, the insurance transaction shown in Figure 2c The server 130 and the asset management company transaction server 140 shown in FIG. 2D may be provided in the form of a module in the financial company server 105, the card company server 125, the insurance company server 135, and the asset manager server 145. The present invention is not limited thereto.

Referring to FIGS. 2A, 2B, 2C, and 2D according to an exemplary embodiment of the present invention, at least one financial transaction, securities transaction, card transaction, insurance transaction, and asset manager transaction may be included in a financial company through the Internet banking screen. A financial transaction system providing a transaction service includes at least one client terminal 150 having a predetermined web browser and a website for providing a financial transaction service to the client terminal 150 through a predetermined communication network. A financial transaction server 100 that operates, a securities transaction server 110 that provides a securities transaction service in conjunction with the financial transaction server 100, and provides a card transaction service in connection with the financial transaction server 100. Card transaction server 120, insurance transaction server 130 to provide insurance transaction services in conjunction with the financial transaction server 100, and asset management company transactions in conjunction with the financial transaction server 100 It characterized in that it comprises an asset management company trading transaction server for providing a service, wherein the financial transaction server 100 comprises an Internet banking server for providing the financial transaction service to the customer terminal 150. desirable.

The customer terminal 150 is a generic term for a terminal device characterized in that the communication channel for the financial transaction service is connected to at least one financial transaction server 100 through a predetermined communication network. The terminal 150 includes a network communication function for connecting to a predetermined communication network and at least one web browser, and a fixed terminal such as a desktop computer having the network communication function and a web browser, or a notebook computer. It is preferable that the quasi-fixed terminal, such as, or comprises at least one or more portable / mobile terminals.

According to an embodiment of the present invention, the customer terminal 150 preferably comprises 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 150 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 a communication channel.

After the financial transaction server 100 and the communication channel for the financial transaction service are connected, the customer terminal 150 is the HTML (Hyper-) for the financial transaction service from the financial transaction server 100 through the communication channel. 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 150.

If one of ordinary skill in the art to which the present invention belongs, the customer terminal 150 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 output 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 150 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 150 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 150 is the transaction service to use a transaction service including at least one of the financial transaction, securities transaction, card transaction, insurance transaction, asset management company transaction It is preferable to include a user interface for selecting a, and through the user interface includes at least one or more securities transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information corresponding to the transaction service It is preferable to provide a user interface for inputting the transaction request information to the customer terminal 150.

In addition, the web document received through the communication channel to the customer terminal 150 preferably comprises at least one user interface for inputting a predetermined stock transaction request information for the securities transaction service, the user interface When the securities transaction request information is input through, the client terminal 150 preferably transmits the securities transaction request information to the securities transaction server 110 through the communication channel.

In addition, a web document received by the customer terminal 150 through the communication channel is a predetermined user login for a transaction service including at least one of the financial transaction, securities transaction, card transaction, insurance transaction, asset management company transaction. And at least one user interface for inputting authentication information. When the login authentication information is input through the user interface, the customer terminal 150 transmits the login authentication information through the communication channel. It is preferable to transmit to the transaction server 100, the financial transaction server 100 through the communication network in the securities transaction server 110, card transaction server 120, insurance transaction server 130, asset management company transaction server Sending the login authentication information to the transaction server including at least one (140) to a single login information input to the customer It is desirable to provide an SSO (Single Sign On) service that allows the use of multiple sites.

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 of authentication information and member management information for a member accessing the financial transaction server 100 from a customer terminal 150. 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 at least one or more customer terminals 150 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.

2A, 2B, 2C, and 2D, the financial transaction server 100 connects a communication channel for the financial transaction service to at least one or more customer terminals 150, and connects the communication channel. It characterized in that it comprises a web interface unit 200 for providing at least one or more web documents corresponding to the web page for the financial transaction service to the customer terminal 150, the web interface unit 200 When the predetermined login authentication information is transmitted from the customer terminal 150, 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 150, 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 150 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.

In addition, the web interface unit 200 may receive the card transaction request information through the communication channel when transmitting the predetermined card transaction request information from the customer terminal 150, the received card transaction request It is preferable to transmit the information to the card transaction server 120 in accordance with a predetermined protocol for communication with the card transaction server 120.

In addition, when the web interface 200 transmits predetermined insurance transaction request information from the client terminal 150, the web interface unit 200 may receive the insurance transaction request information through the communication channel. It is preferable to transmit the information to the insurance transaction server 130 in accordance with a predetermined protocol for communication with the insurance transaction server 130.

In addition, when the web interface unit 200 transmits predetermined asset management company transaction request information from the client terminal 150, the web interface unit 200 may receive the asset management company transaction request information through the communication channel. The manager transaction request information is preferably transmitted to the asset management company transaction server 140 according to a predetermined protocol for communication with the asset management company transaction server 140.

The web interface 200 is compatible with at least one HTML corresponding to a web page to be provided to the customer terminal 150 for the financial transaction service according to the HTTP compatible protocol provided in the communication network connected to the customer terminal 150 And connecting and maintaining a communication channel for providing a web document (eg, * .html, * .htm, * .asp. *. Jsp, * .xml, * .wml, etc.).

After the customer terminal 150 and the communication channel are connected, when the financial transaction server 100 generates at least one web document corresponding to the web page to be provided to the customer terminal 150, the web interface unit ( 200 is characterized in that the processing to output the web document through the web browser provided in the customer terminal 150 by transmitting the web document to the customer terminal 150 through the communication channel.

If the web document includes a user interface for inputting predetermined login authentication information, and the user terminal 150 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, a user interface for inputting predetermined financial transaction request information is included in the web document, and the web interface unit 200 when the customer terminal 150 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 the client terminal 150 by entering the securities transaction request information through the user interface, the securities transaction server ( In step 110, the securities transaction request information is received.

In addition, the web document includes a user interface for inputting predetermined stock transaction request information, and when the customer terminal 150 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 is converted according to a predefined protocol with the securities transaction server 110. It is desirable to be transmitted.

In addition, if the web document includes a user interface for inputting predetermined card transaction request information, the customer terminal 150 inputs and transmits the card transaction request information through the user interface, the card transaction server ( In step 120, the card transaction request information is received.

In addition, the web document includes a user interface for inputting predetermined card transaction request information, and when the customer terminal 150 inputs and transmits the card transaction request information through the user interface, the web interface unit 200. ) May receive the card transaction request information through the communication channel, and the card transaction request information received by the financial transaction server 100 is converted according to a predefined protocol with the card transaction server 120. It is desirable to be transmitted.

In addition, if the web document includes a user interface for inputting predetermined insurance transaction request information, and the customer terminal 150 inputs and transmits the insurance transaction request information through the user interface, the insurance transaction server ( In step 130, the insurance transaction request information is received.

In addition, the web document includes a user interface for inputting predetermined insurance transaction request information, the web interface unit 200 when the customer terminal 150 inputs and transmits the insurance transaction request information through the user interface. ) May receive the insurance transaction request information through the communication channel, and the insurance transaction request information received by the financial transaction server 100 is converted according to the insurance transaction server 130 and a predefined protocol. It is desirable to be transmitted.

In addition, if the web document includes a user interface for inputting the predetermined asset management company transaction request information, the asset management company if the asset management company transaction request information is transmitted through the user interface 150, the asset manager The transaction server 140 may receive the asset management company transaction request information.

In addition, the web document includes a user interface for inputting predetermined asset management company transaction request information, the web interface unit when the customer terminal 150 inputs and transmits the asset management company transaction request information through the user interface; The asset management company transaction request information may be received through the communication channel, and the asset management company transaction request information received by the financial transaction server 100 may be previously defined with the asset management company transaction server 140. It is desirable to convert and transmit according to the protocol.

2A, 2B, 2C, and 2D, the financial transaction server 100 may provide a web to the customer terminal 150 for the financial transaction service in association with the financial transaction operation D / B. A web page operation unit 210 for generating at least one HTML compatible web document (eg, * .html, * .htm, * .asp. * .Jsp, * .xml, * .wml, etc.) corresponding to the page; A digital content management unit 215 extracting at least one or more digital contents to be included in the web document in connection with the financial transaction operation D / B and transmitting the generated web document to the previously transmitted customer terminal 150; Controlling the generation of at least one web document in the webpage operation unit 210 according to a webpage operation procedure corresponding to the financial transaction service, or the generated web document in the digital content operation unit 215. At least one digital to be included in And a financial transaction service control unit 205 for controlling the processing of extracting content and outputting the web document to the transmitted customer terminal 150. The web interface unit 200 includes the financial transaction. The at least one web document generated by the web page operation unit 210 in connection with the service control unit 205 is characterized in that for transmitting to the customer terminal 150 through the communication channel.

The financial transaction service control unit 205 may be configured such that the web page operation unit 210 is configured for the financial transaction service in accordance with a web page operation procedure (or a web page request from the customer terminal 150) 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 through the customer terminal 150 through the left area of the Internet banking screen ( For example, at least one information provided from a securities company, a card company, an insurance company, and an asset management company corresponding to a customer connected through the customer terminal 150 through the right side of the Internet banking screen) and the Internet banking screen. (E.g., customer debt information, such as credit card company payments, investment asset information of the customer operating in the asset management company, investment information provided by the securities company, etc.), and according to the intention and purpose of those skilled in the art, The display area can be divided into upper and lower areas, or outputted in a changed position. Or, to which the present invention is not limited.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of at least one or more information provided by financial companies, card companies, securities companies, insurance companies, asset management companies, the detailed description thereof is for convenience. Omit.

The web document generated by the webpage management unit 210 includes at least one digital content link, and the digital content link is transmitted from the customer terminal 150 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 150 through the interface unit 200, the digital content is included in the web document transmitted to the customer terminal 150, characterized in that the processing to be output.

2A, 2B, 2C, and 2D, the financial transaction server 100 may include an information receiver configured to receive login authentication information or financial transaction request information transmitted by the customer for the financial transaction service ( 220 (or information receiving means), and when the login authentication information transmitted from the customer terminal 150 through the information receiving unit 220 is received, the validity to check whether the validity of the received login authentication information is satisfied A verification unit 250 (or validity 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, When the authentication of the login authentication information received through the information receiving unit 220 is completed, the authentication information is transferred to the securities transaction server 110, card transaction server 120, insurance transaction server 130, asset management When the authentication is completed by the authentication information transmission unit 230 (or authentication information transmission means) for transmitting to the server 140 and the authentication processing unit 225, the web page operation in conjunction with the financial transaction service control unit 205 A user for outputting at least one or more financial information to be provided to the customer in the web document generated by the unit 210 in the left area of the Internet banking screen, or for the customer to input financial transaction request information for using the financial transaction service. The financial company server 105 may display a financial transaction screen output processing unit 235 (or a financial transaction screen output processing unit) for outputting an interface to the left area of the Internet banking screen, and financial information to be output through the financial transaction screen output unit. A financial information extracting unit 255 (or financial information extracting means) extracted from the financial company D / B 265 included in the web and provided by the financial transaction server 100. Receiving at least one or more card-related information to be output to the page from the card transaction server 120, or at least one or more securities information to be output to the web page provided by the financial transaction server 100, the securities transaction server 110 Received from the insurance transaction server 130 or at least one insurance-related information to be output on the web page provided by the financial transaction server 100, or provided by the financial transaction server 100 An output request data receiver 240 (or an output request data receiver) for receiving at least one asset management information to be output to a web page from the asset manager transaction server 140 and the financial transaction service controller 205. The securities company that is received through the output request data receiving unit 240 in the web document generated by the web page operation unit 210, At least one or more pieces of information provided by the credit card company, insurance company, and asset management company (for example, customer debt information such as payment amount of credit card company, investment asset information of the customer operated by the asset management company, investment information provided by the securities company, etc.) on the screen of the Internet banking Printed on the right side, or the customer includes at least one or more securities transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information for the use of transaction services provided by securities companies, card companies, insurance companies, asset management companies The financial request received through the output request data output processing unit 245 (or output request data output processing means) for outputting a user interface for inputting transaction request information to the right area of the Internet banking screen. In response to the transaction request information, the financial settlement in association with the financial company server 105 Financial transaction processing unit 260 (or financial transaction processing unit) for providing a service, and the financial transaction request information input for financial transaction service input from the financial transaction screen output unit according to a webpage operating procedure corresponding to the financial transaction service. Control the output of the user interface for, or the transaction request for providing a transaction service that includes at least one financial transaction, securities transaction, card transaction, insurance transaction, asset management company transaction in the output request data output processing unit 245 And a financial transaction service control unit 205 (or financial transaction service control means) for controlling outputting a user interface for inputting information.

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 the method of the present invention, the customer terminal 150 is predetermined password or security card information or predetermined OTP for checking the validity of the login authentication information in the financial transaction server 100 to 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 the method of the present invention, the customer terminal 150 is predetermined password or security card information or predetermined OTP for checking the validity of the financial transaction information in the financial transaction server 100 to 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 client terminal 150 includes at least one login authentication information (or financial transaction request information or stock transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information). Encryption using the above encryption method (eg, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, or key exchange based encryption method), or the login authentication information (or financial transaction request information). Or securities transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information), and transmits the electronic signature to the financial transaction server 100 through the communication network. The customer terminal 150 has at least one encryption key corresponding to the encryption scheme, or Or a predetermined public certificate including at least one encryption key, or when the public certificate is provided on a predetermined IC chip (or IC card), the public certificate provided on the IC chip (or IC card) A card reader for checking may be provided, or a biometric information reader for inputting biometric information (eg, fingerprint, iris, etc.) for the customer may be provided.

Those skilled in the art to which the present invention belongs, encrypting the login authentication information (or financial transaction request information or stock transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information) Technical characteristics of various encryption methods, and a technology for attaching a predetermined electronic signature to the login authentication information (or financial transaction request information or stock transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information) Since you will be familiar with the features, a detailed description thereof will be omitted.

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 150 is received through the information receiving unit 220. It is done.

According to an embodiment of the present invention, the login authentication information (or financial transaction request information or stock transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information) is at least one encryption method (eg, symmetrical). When encrypted with a key-based encryption method, a public key-based encryption method, an electronic envelope-based encryption method, or a key exchange-based encryption method, and the like, the validity confirming unit 250 performs the encrypted login authentication information (or financial transaction). At least one decryption method (eg, symmetric key based decryption method, or public key based decryption method) corresponding to the encryption method, including request information or stock transaction request information, card transaction request information, insurance transaction request information, and asset management company transaction request information. Method, or electronic envelope based decryption method, or key exchange based decryption method) By decrypting, it is preferable to authenticate validity of the received login authentication information (or financial transaction request information or stock transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information).

Alternatively, when a predetermined electronic signature is attached to the login authentication information (or financial transaction request information or stock transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information), the validity confirming unit 250 ) Confirms the electronic signature attached to the login authentication information (or financial transaction request information or stock transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information), and receives the received login authentication information. (Or financial transaction request information or securities transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information) it is preferable to verify the validity.

If one of ordinary skill in the art belongs to the encrypted login authentication information (or financial transaction request information or stock transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information) Check the technical characteristics of the various decryption methods to decrypt, and the electronic signature attached to the login authentication information (or financial transaction request information or stock transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information) Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

The login authentication information (or financial transaction request information or stock transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information) received through the information receiving unit 220 according to an embodiment of the present invention. If a predetermined password for checking the validity of the login authentication information (or financial transaction request information or securities transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information) is further included, Confirmation unit 250 (or financial transaction request information or securities transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information) is included in the login authentication information received on the password and the DBMS By comparing and authenticating a password provided corresponding to a customer, the received login authentication information (or To authenticate the validity of the convergence trade request information or request information, securities trading card transaction request information, insurance transaction request information, asset management transaction request information) is preferred.

Alternatively, the login authentication information (or financial transaction request information or stock transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information) received through the information receiving unit 220 (or When the predetermined security card information for checking the validity of the financial transaction request information or securities transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information) is further included, the validity verification unit ( 250 is included in the login authentication information (or financial transaction request information or securities transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information) received security card information and the customer on the DBMS By comparing and authenticating the corresponding security card information, the received login authentication information (or financial transaction) It is desirable to authenticate the validity of the request information or securities transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information.

Alternatively, the login authentication information (or financial transaction request information or stock transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information) received through the information receiving unit 220 ( Or a predetermined OTP code for checking the validity of the financial transaction request information or the securities transaction request information, the card transaction request information, the insurance transaction request information, and the asset management company transaction request information). 250) includes the received OTP code included in the login authentication information (or financial transaction request information or stock transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information) and the customer on the DBMS. By comparing and authenticating the generated OTP code based on the predetermined OTP generation information, the received login authentication It is preferable to authenticate the validity of the information (or financial transaction request information or securities transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request 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 150, the login authentication information received from the customer terminal 150 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 connected through the customer terminal 150, the login authentication information received from the customer terminal 150 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 (265) 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 to access through the customer terminal 150, detailed description thereof will be omitted for convenience.

The authentication information transmitting unit 230, when the authentication for the login authentication information received through the information receiving unit 220 is completed, the authentication information, the securities transaction server 110, card transaction server 120, insurance transaction server 130, characterized in that the transmission to the asset management company transaction server (140).

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, card transaction server 120, insurance transaction server 130, asset management company transaction server 140.

According to an 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, the card transaction server 120, the insurance transaction server 130, and the asset management company transaction server 140.

According to another exemplary embodiment of the present invention, the transmission of the login authentication information in which the validity checking and authentication processing is completed is performed without a predetermined encryption method, as is the stock transaction server 110, the card transaction server 120, and the insurance transaction server 130. It is preferable to transmit to the asset management company trading server 140.

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 (eg, the liquidation asset information of the customer) to be provided to the customer from the financial information extracting unit 255. It is preferable to output to a certain area of the web document provided to the terminal 150 (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 financial transaction screen output is connected to the financial transaction server 100 through at least one financial information (eg, the liquidation asset information of the customer) to be provided to the customer. A certain area of the web document extracted from the financial company D / B 265 provided on the financial company server 105 and provided to the customer terminal 150 (eg, the left area of the Internet banking screen, the 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 financial transaction output screen may be configured to provide the financial transaction server 100 (or predetermined information) with at least one or more financial information to be provided to the customer. A certain area (eg, left area of the Internet banking screen, Internet banking) of a web document extracted from predetermined information D / B (not shown) provided in the information management server (not shown) and provided to the customer terminal 150. The right area of the 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.

According to the exemplary embodiment of the present invention, the user interface for inputting the financial transaction request information may include a predetermined 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 150. 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 150. 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 extraction unit 255 extracts financial information to be output through the financial transaction screen output unit from the financial company D / B 265 provided in the financial company server 105 connected to the financial transaction server 100 through a communication network. Characterized in that.

According to one embodiment of the invention, the financial information to be output through the financial transaction screen output unit from the financial company D / B (265) 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 receives at least one or more card related information to be output on a web page provided by the financial transaction server 100 from the card transaction server 120 or the financial transaction server 100. Receive at least one or more securities information to be output on the web page provided by the securities transaction server 110, or at least one or more insurance-related information to be output to the web page provided by the financial transaction server 100 Receive at least one asset management information to be received from the transaction server 130, or output to the web page provided by the financial transaction server 100 from the asset management company trading server 140.

According to the method of the present invention, the output request data reception, the card transaction server 120, the stock transaction server 110, the insurance transaction server 130, the asset connected to the financial transaction server 100 through a communication network At least one or more information provided from a brokerage company, a card company, an insurance company, and an asset management company to be output from a manager transaction server 140 to a predetermined area of a web document provided by the financial transaction server 100 to the customer terminal 150. It is preferable to receive customer debt information, such as credit card payments, investment asset information of customers operating in asset management companies, and investment information provided by securities companies.

The output request data output processing unit 245 is the securities company that is received through the output request data receiving unit 240 in the web document generated by the web page operation unit 210 in connection with the financial transaction service control unit 205, The Internet banking screen displays at least one or more information (for example, customer debt information such as credit card payments, investment asset information of customers operating in the asset management company, investment information provided by securities companies, etc.) provided from card companies, insurance companies and asset management companies. Printed on the right side, or the customer includes at least one or more securities transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information for the use of transaction services provided by securities companies, card companies, insurance companies, asset management companies The right area of the Internet banking screen displays a user interface for inputting transaction request information It characterized in that the output to.

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 (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 output to the customer terminal 150. Do.

The output request data output may output the received request data from the card transaction server 120 connected to the financial transaction server 100 through the communication network to the customer terminal 150 from the financial transaction server 100. It is preferable to output to 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.).

The output request data output may output the output request data received from the insurance transaction server 130 connected to the financial transaction server 100 through the communication network from the financial transaction server 100 to the customer terminal 150. It is preferable to output to 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.).

In addition, the output request data output is the output request data received from the asset management company trading server 140 connected to the financial transaction server 100 through the communication network from the financial transaction server 100 to the customer terminal 150. It is preferable to output to a predetermined 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 outputted web document.

If a person having ordinary technical knowledge in the technical field to which the present invention belongs, the output request data output (for example, customer debt information, such as credit card payment price, investment asset information of the customer operating in the asset management company, investment information provided by the securities company) It will be familiar with the technical characteristics of the information to be output in the), so a detailed description will be omitted for convenience.

According to an embodiment of the present invention, a user interface for inputting transaction request information including at least one or more of the stock transaction request information, the card transaction request information, the insurance transaction request information, and the asset management company transaction request information is provided in the customer terminal 150. 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 in the web document.

According to another exemplary embodiment of the present invention, a user interface for inputting transaction request information including at least one or more of the stock transaction request information, the card transaction request information, the insurance transaction request information, and the asset management company transaction request information is provided in the customer terminal ( 150 to be output through a pop-up window including a user interface for inputting the transaction request information including at least one or more of the securities transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information It is desirable to.

In the technical field to which the present invention belongs, a user for inputting transaction request information including at least one or more of the stock transaction request information, the card transaction request information, the insurance transaction request information, and the asset management company transaction request information. Since you will be familiar with the technical features of how to output the interface, a detailed description 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 exemplary embodiment of the present invention, the financial transaction request information input through a user interface for inputting financial transaction request information output in a predetermined area of a web document provided to the client terminal 150 may be used for the customer terminal 150. 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 the 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. 2A, a securities transaction server 110 that provides the securities transaction service in association with the financial transaction server 100 through a predetermined communication network may be connected to the customer terminal 150 from the financial transaction server 100. An authentication information receiver 271 (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 In response to the login authentication information received through the 271, the authentication processing unit 272 (or authentication processing means) for processing the authentication for the customer, and in response to the login authentication information received from the financial transaction server 100 After the authentication of the customer is completed, securities information corresponding to the customer (for example, market information, stock price information, investment information, disclosure information, subscription information, and securities closing of the customer Information, recommendation product information, etc.) from the securities firm D / B 270 on the securities firm server 115 connected to the securities trading server 110 through a communication network. Means) and securities information (eg, market information, stock price information, investment information, disclosure information, subscription information, securities transaction information, recommended product information, etc.) extracted by the output target information extraction unit 273; An output data transmission unit 274 (or output data processing means) for transmitting to the financial transaction server 100 and a securities transaction request information receiving unit for receiving the securities transaction request information input and transmitted from the customer terminal 150 ( 275) (or the securities transaction request information receiving means) and the securities transaction request information received through the securities transaction request information receiving unit 275 in connection with the securities company server 115 to provide a securities transaction service It is characterized by comprising a stock trading processing unit 276 (or stock trading processing means).

The authentication information receiver 271 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 customer terminal 150 from the financial transaction server 100. It is characterized by receiving.

According to the embodiment of the present invention, the login authentication information received through the customer terminal 150 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 272 may process authentication of the customer in response to the login authentication information received through the authentication information receiving unit 271.

According to the exemplary embodiment of the present invention, the authentication processing method for the login authentication information transmitted from the financial transaction server 100 to the customer connected through the customer terminal 150 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 150 may include the financial transaction server 100. ) To verify that the login authentication information received from the customer information provided in the securities company D / B 270 on the securities company server 115 connected to the securities transaction server 110 and the communication network to process the authentication for 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 273 completes the authentication of the customer in response to the login authentication information received from the financial transaction server 100, and then stores securities information (eg, market information, stock price) corresponding to the customer. Information, investment information, disclosure information, subscription information, securities transaction information, recommendation product information, etc. for the customer) securities company D / B (270) on the securities company server 115 connected to the securities transaction server 110 through a communication network It is characterized in that the extraction from.

According to an exemplary embodiment of the present invention, the securities company D / B 270 provided on the securities company server 115 connected to the securities transaction server 110 through a communication network is output through the financial transaction server 100. Preferably, the extracted stock information is provided to the financial transaction server 100 through the output data transmission unit 274.

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 274.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the method of extracting the securities 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 275 may receive the securities transaction request information input and transmitted from the customer terminal 150.

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 276 may provide 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 275.

According to the 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 150 is When provided to the securities transaction server 110 through the customer terminal 150, the securities transaction processing unit 276 is linked to 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.

Referring to FIG. 2B, the card transaction server 120 that provides the card transaction service in association with the financial transaction server 100 through a predetermined communication network is connected to the customer terminal 150 from the financial transaction server 100. The authentication information receiving unit 277 (or authentication information receiving means) 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 the; An authentication processing unit 278 (or authentication processing means) for processing authentication for the customer in response to the login authentication information received through the unit 277, and corresponding to the login authentication information received from the financial transaction server 100 After the authentication for the customer is completed, the card-related information (eg, payment information, utilization information, payment date information, fee information, etc.) corresponding to the customer is removed. An output object information extracting unit 279 (or output object information extracting means) extracted from the card company D / B 268 on the card company server 125 connected to the server 120 through a communication network, and the output object information extracting unit ( Output data transmission unit 280 (or output data processing means) for transmitting the card-related information (for example, payment information, utilization information, payment date information, fee information, etc.) extracted in 279 to the financial transaction server 100 ), A card transaction request information receiving unit 281 (or card transaction request information receiving unit) for receiving card transaction request information input and transmitted from the customer terminal 150, and the card transaction request information receiving unit 281. And a card transaction processing unit 282 (or a card transaction processing means) for providing a card transaction service in association with the card company server 125 in response to the card transaction request information received through the card transaction request information. do.

The authentication information receiving unit 277 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 customer terminal 150 from the financial transaction server 100. It is characterized by receiving.

According to the embodiment of the present invention, the login authentication information received through the customer terminal 150 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 a predetermined electronic signature to the login authentication information and transmit the same to the card transaction server 120 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 278 processes the authentication of the customer in response to the login authentication information received through the authentication information receiving unit 277.

According to the exemplary embodiment of the present invention, the authentication processing method for the login authentication information transmitted from the financial transaction server 100 to the customer connected through the customer terminal 150 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 card transaction server 120.

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 150 may include the financial transaction server 100. ) To verify that the login authentication information received from the card information matches the customer information provided in the card company D / B 268 on the card company server 125 connected through the communication network with the card transaction server 120 to process authentication for 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 279 completes the authentication of the customer in response to the login authentication information received from the financial transaction server 100, and then provides card-related information (eg, payment price) corresponding to the customer. Information, utilization information, payment date information, fee information, etc.) is extracted from the card company D / B 268 on the card company server 125 connected to the card transaction server 120 through a communication network.

According to the exemplary embodiment of the present invention, the card related information to be output through the financial transaction server 100 is provided on the card company D / B provided on the card company server 125 connected through the communication network with the card transaction server 120 ( 268, and the extracted card related information is preferably provided to the financial transaction server 100 through the output data transmission unit 280.

According to another exemplary embodiment of the present invention, the card related information to be output through the financial transaction server 100 is provided on a predetermined information management server (not shown) connected to the card transaction server 120 through a communication network. It is preferable to extract from information D / B (not shown), and the extracted card related 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 card-related information to be output through the financial transaction server 100, the detailed description is omitted for convenience. do.

The card transaction request information receiving unit 281 may receive card transaction request information input and transmitted from the customer terminal 150.

According to an embodiment of the present invention, the financial transaction server 100 may be configured to convert the card transaction request information into 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 a key exchange-based encryption method, or the like, or attach a predetermined electronic signature to the card transaction request information and transmit the same to the card transaction server 120 through the communication network. 120 preferably includes at least one encryption key corresponding to the encryption scheme.

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

The card transaction processor 282 may provide a card transaction service in association with the card company server 125 in response to the card transaction request information received through the card transaction request information receiver 281.

According to the embodiment of the present invention, the card transaction request information input through the user interface for inputting the card transaction request information output in a predetermined area of the web document provided from the financial transaction server 100 to the customer terminal 150 is When provided to the card transaction server 120 through the customer terminal 150, the card transaction processing unit 282 in connection with the card company server 125 in response to the received card transaction request information, the card transaction It is desirable to process the request information.

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

Referring to FIG. 2C, the insurance transaction server 130 providing the insurance transaction service in association with the financial transaction server 100 through a predetermined communication network may be connected to the customer terminal 150 from the financial transaction server 100. An authentication information receiver 283 (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 284 (or authentication processing means) for processing authentication for the customer in response to the login authentication information received through 283, and in response to the login authentication information received from the financial transaction server 100; After the certification of the customer is completed, insurance related information (eg, insurance payment guide information, insurance product information, insurance payment date information, insurance product maturity information corresponding to the customer) And the like; output target information extracting unit 285 (or output target information extracting means) for extracting the insurance transaction server 130 from the insurance company D / B 267 on the insurance company server 135 connected through the communication network; Output data for transmitting insurance related information (eg, insurance payment guide information, insurance product information, insurance payment date information, insurance product expiration information, etc.) extracted by the output target information extraction unit 285 to the financial transaction server 100. A transmission unit 286 (or output data processing unit), an insurance transaction request information receiving unit 287 (or insurance transaction request information receiving unit) for receiving insurance transaction request information inputted and transmitted from the customer terminal 150; An insurance transaction processing unit 288 (or insurance transaction provider) that provides insurance transaction services in connection with the insurance company server 135 in response to the insurance transaction request information received through the insurance transaction request information receiving unit 287. Provided with a means) it is characterized in that formed.

The authentication information receiving unit 283 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 150. It is characterized by receiving.

According to the embodiment of the present invention, the login authentication information received through the customer terminal 150 processes the authentication process for the customer in the financial transaction server 100, and for the customer has been processed the authentication process It is desirable to provide login credentials.

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 insurance transaction server 130 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 processor 284 may process authentication of the customer in response to the login authentication information received through the authentication information receiver 283.

According to the exemplary embodiment of the present invention, the authentication processing method for the login authentication information transmitted from the financial transaction server 100 to the customer connected through the customer terminal 150 is the financial transaction server 100. It is preferable to process the authentication of the customer by confirming that the login authentication information received from) matches the customer information provided in the customer D / B on the insurance transaction server 130.

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 150 may include the financial transaction server 100. The authentication process for the customer is verified by checking whether the login authentication information received from the user information is matched with the customer information provided in the insurance company D / B 267 on the insurance company server 135 connected to the insurance transaction server 130 through a communication network. 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 extraction unit 285 completes authentication of the customer in response to the login authentication information received from the financial transaction server 100, and then provides insurance related information (eg, insurance payment guide) corresponding to the customer. Information, insurance product information, insurance payment date information, insurance product expiration information, etc.) is extracted from the insurance company D / B (267) on the insurance company server 135 connected to the insurance transaction server 130 and the communication network. .

According to an exemplary embodiment of the present invention, insurance related information to be output through the financial transaction server 100 is an insurance company D / B provided on the insurance company server 135 connected to the insurance transaction server 130 through a communication network ( 267, it is preferable to provide the extracted insurance related information to the financial transaction server 100 through the output data transmission unit 286.

According to another exemplary embodiment of the present invention, insurance related information to be output through the financial transaction server 100 is provided on a predetermined information management server (not shown) connected to the insurance transaction server 130 through a communication network. It is preferable to extract from information D / B (not shown), and the extracted insurance related information is preferably provided to the financial transaction server 100 through the output data transmission unit 286.

Those skilled in the art to which the present invention belongs, will be familiar with the technical features of the method for extracting insurance-related information to be output through the financial transaction server 100, detailed description is omitted for convenience. do.

The insurance transaction request information receiving unit 287 may receive insurance transaction request information input and transmitted from the customer terminal 150.

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 insurance transaction request information. Or a key exchange-based encryption scheme, etc.) or attach a predetermined electronic signature to the insurance transaction request information and transmit the same to the insurance transaction server 130 through the communication network. 130 preferably includes at least one encryption key corresponding to the encryption scheme.

Those skilled in the art should understand the technical features of various encryption schemes for encrypting the insurance transaction request information and the technical characteristics of attaching a predetermined electronic signature to the insurance transaction request information. Since it will be, a detailed description thereof will be omitted for convenience.

The insurance transaction processing unit 288 may provide an insurance transaction service in association with the insurance company server 135 in response to the insurance transaction request information received through the insurance transaction request information receiver 287.

According to an embodiment of the present invention, insurance transaction request information input through a user interface for inputting insurance transaction request information output in a predetermined area of a web document provided from the financial transaction server 100 to the customer terminal 150 is When provided to the insurance transaction server 130 through the customer terminal 150, the insurance transaction processing unit 288 in association with the insurance company server 135 in response to the received insurance transaction request information, the insurance transaction It is desirable to process the request information.

As those skilled in the art to which the present invention pertains, they will be familiar with the technical features of the insurance transaction processing, that is, the technical features of the method of providing insurance services through the Internet provided by the insurer. , Detailed description is omitted for convenience.

Referring to FIG. 2D, the asset management company transaction server 140 providing the asset management company transaction service in association with the financial transaction server 100 through a predetermined communication network may be connected to the customer terminal from the financial transaction server 100. An authentication information receiver 289 (or authentication information receiving means) for receiving 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 150; In response to the login authentication information received through the information receiving unit 289, an authentication processing unit 290 (or authentication processing unit) for processing authentication for the customer, and the login authentication information received from the financial transaction server 100. After completing the authentication for the customer in response, asset management information (eg, investment asset information in operation, profit and loss information on the investment asset, investment policy) corresponding to the customer Output target information extracting unit 291 (or output target information extracting means) for extracting the asset manager trading server 140 from the asset manager D / B 266 on the asset manager server 145 connected through the communication network. ) And an output for transmitting the asset management information (eg, investment asset information in operation, profit and loss information on the investment asset, investment information, etc.) extracted by the output target information extraction unit 291 to the financial transaction server 100. Asset manager transaction request information receiver 293 (or asset manager transaction request information) for receiving asset manager transaction request information inputted and transmitted from the customer terminal 150 and a data transmission unit 292 (or output data processing means). Receiving means) and an asset management company transaction service in association with the asset management company server 145 in response to the asset management company transaction request information received through the asset management company transaction request information receiving unit 293. By having an asset management transaction processor 294 (or asset management transaction processing means), which is characterized in that formed.

The authentication information receiver 289 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 150. It is characterized by receiving.

According to the embodiment of the present invention, the login authentication information received through the customer terminal 150 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. A key exchange-based encryption method, or the like, or attach a predetermined electronic signature to the login authentication information and transmit the same to the asset management company transaction server 140 through the communication network. 100 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 processor 290 may process authentication of the customer in response to the login authentication information received through the authentication information receiver 289.

According to the exemplary embodiment of the present invention, the authentication processing method for the login authentication information transmitted from the financial transaction server 100 to the customer connected through the customer terminal 150 is the financial transaction server 100. It is preferable to process authentication for the customer by checking whether the login authentication information received from the user information is matched with the customer information provided in the customer D / B on the asset management company transaction server 140.

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 150 may include the financial transaction server 100. Check whether the login authentication information received from the customer information provided in the asset management company D / B (266) on the asset management server server 145 connected to the asset management company transaction server 140 and the communication network for the customer It is desirable to handle authentication.

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 291 completes the authentication of the customer in response to the login authentication information received from the financial transaction server 100, and then manages the asset management information corresponding to the customer (eg, an investment in operation). Asset information, profit and loss information on investment assets, investment information, etc.) from the asset management company D / B 266 on the asset management server 145 connected to the asset management company transaction server 140 through a communication network. .

According to an exemplary embodiment of the present invention, asset management information to be output through the financial transaction server 100 is provided on the asset management company server 145 connected to the asset management company transaction server 140 through a communication network It is preferable to extract from / B (266), it is preferable to provide the extracted asset management information to the financial transaction server 100 through the output data transmission unit 292.

According to another exemplary embodiment of the present invention, the asset management information to be output through the financial transaction server 100 is provided on a predetermined information management server (not shown) connected to the asset management company transaction server 140 through a communication network. The extracted asset management information is preferably provided to the financial transaction server 100 through the output data transmission unit 292.

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

The asset manager transaction request information receiving unit 293 may receive the asset manager transaction request information input and transmitted from the customer terminal 150.

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 asset management company transaction request information. Or a key exchange-based encryption scheme, or the like, or attach a predetermined electronic signature to the asset management company transaction request information and transmit the same to the asset management company transaction server 140 through the communication network. The asset management company transaction server 140 preferably includes at least one encryption key corresponding to the encryption method.

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

The asset manager transaction processing unit 294 may provide an asset manager transaction service in association with the asset manager server 145 in response to the asset manager transaction request information received through the asset manager transaction request information receiver 293. It is done.

According to an embodiment of the present invention, the asset management company transaction request input through the user interface for inputting the asset management company transaction request information output in a certain area of the web document provided from the financial transaction server 100 to the customer terminal 150. When the information is provided to the asset management company transaction server 140 through the customer terminal 150, the asset management company transaction processing unit 294 in response to the received asset management company transaction request information, the asset management company server 145 It is preferable to process the asset management company transaction request information in conjunction with

Persons having ordinary technical knowledge in the technical field to which the present invention belongs should be familiar with the technical characteristics of the asset management company transaction processing, that is, the technical characteristics of the method for providing the asset management company transaction service through the Internet provided by the asset management company. As it will be, 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 the predetermined login authentication information from a predetermined customer terminal 150 to a predetermined financial transaction server 100, the financial transaction server 100 is connected to the customer terminal 150. Receives login authentication information transmitted from the user and performs a login process, and performs a login process 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 a person having ordinary technical knowledge in the technical field to which the present invention belongs, the operation flow for the login process in a financial transaction system that provides a securities transaction service in a financial company through the Internet banking screen. Various implementation methods may be inferred, but the present invention includes all 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.

Here, although the login processing method shown in this drawing is for a login process generated between a financial company and a securities company, it can be applied in a similar form to an insurance company, a card company, and an asset management company in addition to securities companies, for convenience, insurance companies other than securities companies, Operation procedures for card companies and asset management companies are omitted for convenience.

3A and 3B, the financial transaction server 100 illustrated in FIG. 2 is referred to as a “server” for convenience, and the customer terminal 150 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 to provide to the terminal, whether the predetermined security module for internet banking is mounted on the terminal, or whether to update the security module. (310a).

According to another exemplary 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 Internet banking security module (325a), or if the terminal does not need to load or update the Internet banking security module (315a), the server is mounted on the terminal. By activating the security module for the Internet banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server to a secure channel) (330a), where the security channel for the 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 scheme (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (or decryption algorithm), and to the 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 provide information to the terminal from 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 When encrypted and transmitted using an expression (or an encryption algorithm), the server verifies the digital signature or transmits the information (or data) by 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 web page 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. Request for authentication (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 150, the login authentication information received from the customer terminal 150 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 connected through the customer terminal 150, the login authentication information received from the customer terminal 150 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 (265) 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 to access through the customer terminal 150, 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 the exemplary embodiment of the present invention, the authentication processing method for the login authentication information transmitted from the financial transaction server 100 to the customer connected through the customer terminal 150 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 150 may include the financial transaction server 100. ) To verify that the login authentication information received from the customer information provided in the securities company D / B 270 on the securities company server 115 connected to the securities transaction server 110 and the communication network to process the authentication for 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, the security channel is switched to an internet banking-based financial transaction channel (355b), and thereafter, the securities transaction service for the customer who accesses the financial transaction server 100 is not provided.

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 150 to a predetermined financial transaction server 100. The financial transaction server 100 shown in FIG. When the authentication is completed in the illustrated stock trading server 110, a financial transaction system for providing a securities transaction service from a financial company through an internet banking screen providing financial information and securities information to the customer terminal 150 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 Comprised, including the exemplary method, to which the technical feature that is not limited to the exemplary method shown in the figure 4.

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.

Here, the method of providing the securities information shown in the drawing is for the information providing method generated between the financial company and the securities company, but can be applied in a similar form to the insurance company, card company, asset management company in addition to securities companies, securities companies for convenience Operation procedures for other insurance companies, card companies, and asset managers are omitted for convenience.

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 150 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 through the customer terminal 150 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 connected through 150) 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. However, 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 265 provided on the financial company server 105 (415).

According to an 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 (265) 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 securities transaction account or the securities transaction account to which the customer has previously subscribed) Information, financial transaction information, recommendation product information, etc. to a terminal (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 Internet banking screen) Output to the lower region, 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 a financial company D / B 265 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 of the web document (eg, the left area of the Internet banking screen, the Internet banking screen) provided to the terminal by receiving the securities transaction information and recommendation product information of the customer from the securities transaction server 110. The 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 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 firm D / B 270 provided on the securities firm server 115 connected to the securities trading server 110 through a communication network and provided to the terminal. It is preferable to output to 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). 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 flowchart illustrating an operation 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 150 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 trading server 110, a financial transaction system for providing a securities transaction service from a financial company through an internet banking screen providing financial information and securities information to the customer terminal 150 shown in FIG. The operation flow for the process of providing a financial transaction service in the present invention, if a person having ordinary technical knowledge in the technical field to which the present invention belongs, financial transaction system that provides a securities transaction service in a financial company through the Internet banking screen While it may be possible to infer various implementation methods of the operation flow for the process of providing a financial transaction service in the present invention, the present invention provides all the implementation methods inferred above. It becomes to include the place, to which the technical feature that is not limited to the exemplary method shown in the figure 5.

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 operation flows for the present invention, but the present invention includes all the implementation methods inferred above, and thus 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 150 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 the exemplary embodiment of the present invention, the user interface for inputting the financial transaction request information may include a predetermined 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 150. 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 150. 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 exemplary embodiment of the present invention, the financial transaction request information input through a user interface for inputting financial transaction request information output in a predetermined area of a web document provided to the client terminal 150 may be used for the customer terminal 150. 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 the 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 log-in authentication information from a predetermined customer terminal 150 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 trading server 110, a financial transaction system for providing a securities transaction service from a financial company through an internet banking screen providing financial information and securities information to the customer terminal 150 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 the implementation methods inferred 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 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 150 illustrated in FIG. 2 is referred to as a “terminal” for convenience.

Referring to FIG. 6, after the financial transaction server 100 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 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 if 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 the 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 150 is When provided to the securities transaction server 110 through the customer terminal 150, the securities transaction processing unit in response to the received securities transaction request information in conjunction with the securities company server 115 to obtain the securities transaction request information It is preferable to process.

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

In more detail, FIG. 7 transmits predetermined log-in authentication information from a predetermined customer terminal 150 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 card transaction server 120, financial information and card-related information (for example, payment information, utilization information, payment date information, fee information, etc.) to the customer terminal 150 shown in FIG. An operation flow for a process of providing a card transaction service in a financial transaction system that provides a card transaction service at a financial company through an internet banking screen providing a person having ordinary technical knowledge in the technical field to which the present invention belongs. Ramen, a variety of operation flow for the process of providing a card transaction service in a financial transaction system that provides a card transaction service in a financial company through the Internet banking screen Would be able to infer when the method, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 7.

For example, if a person having ordinary technical knowledge in the technical field to which the present invention belongs, the process of providing a card transaction service in a financial transaction system that provides a card transaction service at a financial company through an Internet banking screen by referring to and modifying the drawing 7. 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. 7, the card transaction server 120 illustrated in FIG. 2 is referred to as a “server” for convenience, and the customer terminal 150 illustrated in FIG. 2 is referred to as a “terminal” for convenience.

Referring to FIG. 7, 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 the figures 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 (700).

The financial transaction server 100 requests a web page for a card transaction service through a communication channel connected with the server (705), and the server includes a user interface for inputting (or selecting) the card transaction request information. To generate (or extract) a web page (710), and transmits to the financial transaction server 100 through the communication channel (715).

Subsequently, the financial transaction server 100 transmits a web page including a user interface for inputting (or selecting) card transaction request information received from the server to the terminal, and transmits the web page to a predetermined region of the web page output to the terminal. Output 720.

According to an embodiment of the present invention, the user interface for inputting the card 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, an Internet banking screen) of a web document provided to the terminal. 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 card 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 card transaction request information, detailed description thereof will be omitted for convenience.

Thereafter, the terminal inputs (or selects) the financial transaction request information through the user interface for inputting (or selecting) the financial transaction request information (725), and if the financial transaction request information is input (or selected) (730). The terminal transmits the financial transaction request information to the server through the financial transaction channel (735), and the server receives the transmitted financial transaction request information.

According to an embodiment of the present invention, the financial transaction server 100 may be configured to convert the card transaction request information into 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 a key exchange-based encryption method, or the like, or attach a predetermined electronic signature to the card transaction request information and transmit the same to the card transaction server 120 through the communication network. 120 preferably includes at least one encryption key corresponding to the encryption scheme.

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

Thereafter, the server processes card transaction request information in association with the card company server 125 (745).

According to the embodiment of the present invention, the card transaction request information input through the user interface for inputting the card transaction request information output in a predetermined area of the web document provided from the financial transaction server 100 to the customer terminal 150 is When provided to the card transaction server 120 through the customer terminal 150, the card transaction processing unit in response to the received card transaction request information in connection with the card company server 125 to the card transaction request information It is preferable to process.

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

8 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.

In more detail, FIG. 8 transmits predetermined login authentication information from a predetermined customer terminal 150 to a predetermined financial transaction server 100, thereby providing the financial transaction server 100 shown in FIG. 2 and FIG. When the authentication is completed in the illustrated stock transaction server 110, financial information and insurance-related information (eg, insurance payment guide information, insurance product information, insurance payment date information, insurance product) to the customer terminal 150 shown in FIG. The operation flow for 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 providing the expiration information, etc. If you have the knowledge, the process of providing the securities transaction service in the financial transaction system that provides the securities transaction service in the financial company through the Internet banking screen. Would be able to infer the various embodiment of the operation flow, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 8.

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 the Internet banking screen by referring to and modifying the drawing 8. 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. 8, the stock trading server 110 illustrated in FIG. 2 is referred to as a “server” for convenience, and the customer terminal 150 illustrated in FIG. 2 is referred to as a “terminal” for convenience.

Referring to FIG. 8, 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 the figures 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 (800).

The financial transaction server 100 requests a web page for a securities transaction service through a communication channel connected to the server (805), and the server includes a user interface for inputting (or selecting) the securities transaction request information. A web page is generated (or extracted) at step 810 and transmitted to the financial transaction server 100 via the communication channel (815).

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 820.

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 (825), and if the financial transaction request information is input (or selected) (830). The terminal transmits financial transaction request information to the server through the financial transaction channel (835), 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 include technical features for various encryption schemes for encrypting the stock transaction request information, and technical features for attaching a predetermined electronic signature to the stock transaction request information. Since it will be understood, 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 (845).

According to the 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 150 is When provided to the securities transaction server 110 through the customer terminal 150, the securities transaction processing unit in response to the received securities transaction request information in conjunction with the securities company server 115 to obtain the securities transaction request information It is preferable to process.

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.

9 is a diagram illustrating an operation flow of a process of providing an asset management company transaction service in a financial transaction system that provides an asset management company transaction service through an internet banking screen according to an embodiment of the present invention.

In more detail, FIG. 9 transmits predetermined log-in authentication information from a predetermined customer terminal 150 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 asset management company transaction server 140, financial information and asset management information (eg, investment asset information in operation, profit and loss information on the investment asset, investment) to the customer terminal 150 shown in FIG. It shows the operation flow for the process of providing the asset management company transaction service in the financial transaction system that provides the asset management company transaction service through the Internet banking screen that provides information, etc.), If you have technical knowledge, the financial banking system that provides asset manager trading services at financial companies through the internet banking screen will be able to provide asset manager trading services. Various implementation methods of the operation flow for the disclosure process can be inferred, but the present invention includes all the implementation methods inferred above, and 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, provides an asset management company transaction service in a financial transaction system that provides an asset management company transaction service in a financial company through the Internet banking screen by referring to and modifying the drawing 9. Various implementation methods, such as modifying the order of the operation flow for the process can be inferred, but the present invention includes all the implementation methods inferred above, whereby the present invention is not limited.

Hereinafter, in FIG. 9, the asset management company transaction server 140 illustrated in FIG. 2 is referred to as a “server” for convenience, and the customer terminal 150 illustrated in FIG. 2 is referred to as a “terminal” for convenience.

Referring to FIG. 9, after the financial transaction server 100 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 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 (900).

The financial transaction server 100 requests a web page for an asset management company transaction service through a communication channel connected to the server (905), and the server inputs (or selects) the asset management company transaction request information. A web page including (or extracting) is generated (910), and transmitted to the financial transaction server 100 through the communication channel (915).

Thereafter, the financial transaction server 100 transmits a web page including a user interface for inputting (or selecting) asset management company transaction request information received from the server to the terminal, and then outputs a predetermined region of the web page output to the terminal. Output to (920).

According to an embodiment of the present invention, the user interface for inputting the asset management company 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 of the, the lower area of the Internet banking screen, etc.).

According to another exemplary embodiment of the present invention, the user interface for inputting the asset management company 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. Do.

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 asset management company 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 (925), and when the financial transaction request information is input (or selected) (930). The terminal transmits financial transaction request information to the server through the financial transaction channel (935), 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, or an electronic envelope based encryption method) for the asset management company transaction request information. Or a key exchange-based encryption scheme, or the like, or attach a predetermined electronic signature to the asset management company transaction request information and transmit the same to the asset management company transaction server 140 through the communication network. The asset management company transaction server 140 preferably includes at least one encryption key corresponding to the encryption method.

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

Thereafter, the server processes the asset manager transaction request information in association with the asset manager server 145 (945).

According to an embodiment of the present invention, the asset management company transaction request input through the user interface for inputting the asset management company transaction request information output in a certain area of the web document provided from the financial transaction server 100 to the customer terminal 150. When the information is provided to the asset management company transaction server 140 through the customer terminal 150, the asset management company transaction processing unit in association with the asset management company server request information in response to the received asset management company transaction request information It is preferable to process the asset management company transaction request information.

Persons having ordinary technical knowledge in the technical field to which the present invention belongs should be familiar with the technical characteristics of the asset management company transaction processing, that is, the technical characteristics of the method for providing the asset management company transaction service through the Internet provided by the asset management company. As it will be, detailed description is omitted for convenience.

FIG. 10 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. 10 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 150. 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 may refer to and modify this drawing 10 to exchange securities in a financial company through the Internet banking screen. Various implementation methods for the example screen of the user interface provided by the financial transaction system providing the service may be inferred, but the present invention includes all the implementation methods inferred, and the implementation method illustrated in FIG. The technical features are not limited only.

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. 10 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. 10, a user interface screen provided by the financial transaction system may display financial information corresponding to a customer connected through the customer terminal 150 shown in FIG. A left frame region for outputting or outputting a user interface for inputting financial transaction request information for using a financial transaction service provided by the financial transaction server 100 illustrated in FIG. 2, and the customer terminal illustrated in FIG. 2. Securities transaction server 110 that outputs financial information (eg, the liquidation asset information of the customer, etc.) corresponding to the customer connected through 150, or is connected to the financial transaction server 100 shown in FIG. 2. It has a right frame area that outputs a user interface for inputting securities transaction request information for using the securities transaction service provided through It is preferred ..

The left frame area outputs financial information (eg, the liquidation asset information of the customer) corresponding to the customer connected through the customer terminal 150 shown in FIG. 2, or the financial transaction shown in FIG. 2. In order to use the financial transaction service provided by the server 100, it is preferable to output a user interface for inputting financial transaction request information.

According to an exemplary embodiment of the present invention, the financial transaction screen output may include at least one or more financial information (eg, the liquidation asset information of the customer) to be provided to the customer from the financial information extracting unit 255. It is preferable to output to a certain area of the web document provided to the terminal 150 (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 financial transaction screen output is connected to the financial transaction server 100 through at least one financial information (eg, the liquidation asset information of the customer) to be provided to the customer. A certain area of the web document extracted from the financial company D / B 265 provided on the financial company server 105 and provided to the customer terminal 150 (eg, the left area of the Internet banking screen, the 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 financial transaction output screen may be configured to provide the financial transaction server 100 (or predetermined information) with at least one or more financial information to be provided to the customer. A certain area (eg, left area of the Internet banking screen, Internet banking) of a web document extracted from predetermined information D / B (not shown) provided in the information management server (not shown) and provided to the customer terminal 150. The right area of the 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.

According to the exemplary embodiment of the present invention, the user interface for inputting the financial transaction request information may include a predetermined 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 150. 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 150. 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 at least one or more pieces of information (eg, customer debt information such as card company payments) provided from a securities company, a card company, an insurance company, and an asset management company corresponding to a customer connected through the customer terminal 150 shown in FIG. Information on the investment assets of the customer operating in the asset management company, investment information provided by the securities company, or the like, or a security transaction server 110 or a card transaction server linked to the financial transaction server 100 shown in FIG. 120, the securities transaction request information and the card transaction request for using at least one of the securities transaction, card transaction, insurance transaction, asset management company transaction services provided through the insurance transaction server 130 and the asset management company transaction server 140. Outputting a user interface for inputting transaction request information including at least one of information, insurance transaction request information, and asset management company transaction request information. Is recommended.

In addition, the right frame region is the transaction request information for a user interface request for inputting the transaction request information including at least one or more of the stock transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information, It is preferable to further comprise a transaction type selection interface for input.

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 (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 output to the customer terminal 150. Do.

The output request data output may output the received request data from the card transaction server 120 connected to the financial transaction server 100 through the communication network to the customer terminal 150 from the financial transaction server 100. It is preferable to output to 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.).

The output request data output may output the output request data received from the insurance transaction server 130 connected to the financial transaction server 100 through the communication network from the financial transaction server 100 to the customer terminal 150. It is preferable to output to 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.).

In addition, the output request data output is the output request data received from the asset management company trading server 140 connected to the financial transaction server 100 through the communication network from the financial transaction server 100 to the customer terminal 150. It is preferable to output to a predetermined 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 outputted web document.

If a person having ordinary technical knowledge in the technical field to which the present invention belongs, the output request data output (for example, customer debt information, such as credit card payment price, investment asset information of the customer operating in the asset management company, investment information provided by the securities company) It will be familiar with the technical characteristics of the information to be output in the), so a detailed description will be omitted for convenience.

According to an embodiment of the present invention, a user interface for inputting transaction request information including at least one or more of the stock transaction request information, the card transaction request information, the insurance transaction request information, and the asset management company transaction request information may include: 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, a user interface for inputting transaction request information including at least one or more of the stock transaction request information, the card transaction request information, the insurance transaction request information, and the asset management company transaction request information is provided in the customer terminal ( 150 to be output through a pop-up window including a user interface for inputting the transaction request information including at least one or more of the securities transaction request information, card transaction request information, insurance transaction request information, asset management company transaction request information It is desirable to.

In the technical field to which the present invention belongs, a user for inputting transaction request information including at least one or more of the stock transaction request information, the card transaction request information, the insurance transaction request information, and the asset management company transaction request information. Since you will be familiar with the technical features of how to output the interface, a detailed description will be omitted for convenience.

According to the present invention, there is an advantage that can easily deal with securities companies, card companies, insurance companies, asset management companies in addition to financial transaction services through Internet banking provided by financial institutions such as banks.

In addition, by providing a method for integrated management to the customer through the information provided to the customer, there is an advantage that can be provided more convenient financial services.

In addition, there is an advantage that more customers can use the financial transaction services through the Internet by eliminating the inconvenience of connecting to each financial institution and inquiring.

Claims (5)

At least one financial transaction frame (or area) that processes non-face-to-face financial transactions provided by financial institutions, and non-face-to-face transactions provided by at least one affiliated company (card company, securities company, insurance company, asset management company, etc.) affiliated with the financial company. In the page providing method comprising at least one affiliate frame (or region) to process, When the authentication of the login authentication information transmitted by the customer through the terminal is completed, transmitting the login authentication information to at least one affiliate server to authenticate the authentication information transmitting means; When the login authentication information is authenticated by at least one affiliate company, at least one financial transaction frame (or region) is output on a page provided to the terminal by an output processing means, and a schedule near the financial transaction frame (or region) is output. Processing at least one affiliate frame (or region) for which the login authentication information is authenticated to the region; Non-face-to-face transactions corresponding to each affiliate in each affiliate frame (or region) output to the terminal through at least one affiliate server corresponding to at least one or more affiliate frames (or regions) output from the output control means to the terminal. Controlling the page to be provided; non-face-to-face financial transaction page interworking method comprising a. At least one financial transaction frame (or area) for dealing with non-face-to-face financial transactions provided by financial institutions, and non-face-to-face transactions provided by at least one affiliate company (card company, securities company, insurance company, asset management company, etc.) affiliated with the financial company. In the page providing method comprising at least one affiliate frame (or region) to process, When the authentication of the login authentication information transmitted by the customer through the terminal is completed, transmitting the login authentication information to at least one affiliate server to authenticate the authentication information transmitting means; When the login authentication information is authenticated by at least one affiliate company, at least one financial transaction frame (or region) is output on a page provided to the terminal by an output processing means, and a schedule near the financial transaction frame (or region) is output. Process to output an affiliate selection frame (or region) for selecting a specific affiliate among the affiliates whose login authentication information is authenticated in the region, and an affiliate frame (or corresponding to the affiliate selected in a certain region near the affiliate selection frame (or region)). An area) is outputted; Controlling, by an output control means, to provide a non-face-to-face transaction page corresponding to the affiliate in an affiliate frame (or region) output to the terminal through the affiliate server selected through the affiliate selection frame (or region); and Non-face-to-face financial transaction page interworking method, characterized in that made. 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 dealing with non-face-to-face financial transactions provided by financial institutions, and non-face-to-face transactions provided by at least one affiliate company (card company, securities company, insurance company, asset management company, etc.) affiliated with the financial company. In the page providing system comprising at least one affiliate frame (or region) to process, Authentication information transmission means for processing authentication to transmit the login authentication information to at least one affiliate server when authentication is completed for the login authentication information transmitted by the customer through the terminal; When the login authentication information is authenticated by at least one affiliate company, at least one financial transaction frame (or region) is output on a page provided to the terminal, and the login is performed in a predetermined region near the financial transaction frame (or region). Output processing means for processing at least one association frame (or region) for which authentication information is authenticated; A non-face-to-face transaction page corresponding to each affiliate is provided in each affiliate frame (or region) output to the terminal through at least one affiliate server corresponding to the at least one affiliate frame (or region) output to the terminal. Non-face-to-face financial transaction page interworking system comprising a; output control means for controlling. At least one financial transaction frame (or area) for dealing with non-face-to-face financial transactions provided by financial institutions, and non-face-to-face transactions provided by at least one affiliate company (card company, securities company, insurance company, asset management company, etc.) affiliated with the financial company. In the page providing system comprising at least one affiliate frame (or region) to process, Authentication information transmission means for processing authentication to transmit the login authentication information to at least one affiliate server when authentication is completed for the login authentication information transmitted by the customer through the terminal; When the login authentication information is authenticated by at least one affiliate company, at least one financial transaction frame (or region) is output on a page provided to the terminal, and the login is performed in a predetermined region near the financial transaction frame (or region). Affiliate selection frame (or area) for selecting a specific affiliate from among affiliates for which authentication information is authenticated is outputted, and an affiliate frame (or area) corresponding to the selected affiliate in a predetermined area near the affiliate selection frame (or area) is output. Output processing means for processing to be output; And output control means for controlling a non-face transaction page corresponding to the affiliate to be provided to the affiliate frame (or region) output to the terminal through the affiliate server selected through the affiliate selection frame (or region). Non-face-to-face financial transaction page interlocking system characterized by.

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