KR20090018748A

KR20090018748A - System and method for providing selective financial information and recording medium

Info

Publication number: KR20090018748A
Application number: KR1020070083095A
Authority: KR
Inventors: 김기정
Original assignee: 주식회사 신한은행
Priority date: 2007-08-18
Filing date: 2007-08-18
Publication date: 2009-02-23

Abstract

A method and a system for selectively offering financial information to easily collect information from a server, and a program recording medium thereof are p store classified information to a storage medium by linking with customer information. A database stores domain information of cooperated websites for exchanging and distributing asset, debt, and financial product information of a customer. A website authenticator authenticates validity of a website by comparing the domain information included in website information with the cooperated website domain information in connection with the database. An information register registers only the domain information to a first storage medium by linking with customer information. An information collector periodically collects the asset, debt, and financial product information of the customer from the website. An information storing unit stores the collected asset, debt, and financial product information to a second storage medium by linking with the customer information.

Description

Method and system for providing selective financial information and program recording medium for the same {System and Method for Providing Selective Financial Information and Recording Medium}

1 is a diagram illustrating an information registration system for providing personalized information using an RSS function according to an embodiment of the present invention.

2 is a diagram illustrating an information registration process for providing personalized information using an RSS function according to an embodiment of the present invention.

3 is a block diagram illustrating an Internet banking system for providing personalized information according to an embodiment of the present invention.

4A and 4B illustrate an operation flow of an internet banking system for providing personalized information according to an embodiment of the present invention.

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: request information D / B

130: customer terminal

The present invention provides a database for storing at least one affiliate website domain information associated with distribution of asset information, debt information, financial product information, etc. for a specific customer according to data exchange and distribution standards between websites, and at the client terminal. If website information including domain information and directory information for distributing customer asset information, debt information, financial product information, etc. according to data exchange and distribution standards between websites is provided, the information is included in the website information in connection with the database. The web site authentication means for authenticating the validity of the website by comparing the domain information and the affiliated website domain information, and the database of the website information provided by the customer terminal in response to the authentication result of the website authentication means. Matching the website information of the affiliate website Information registration means for registering the personal information only in the storage medium (1) in association with the customer information, and from the website corresponding to the website information according to the data exchange and distribution standard between the websites in connection with the storage medium (1) Information collection means for periodically collecting customer asset information, debt information and financial product information, and storing the collected at least one customer asset information, debt information and financial product information in association with the customer information in a storage medium 2 It relates to a selective financial information providing system having an information storage means.

The rapid development of the financial industry, together with the rapid development of information and communication, is passing the era of Web1.0 and entering the more convenient Internet era of Web2.0.

Accordingly, the method of providing financial information has also undergone many changes.

In the conventional Web 1.0 era, there is a difficult problem in that it is difficult to collect information according to the needs of customers in addition to the information provided only by the customer's pre-registered information or a promise with a site providing predetermined information.

In addition, since the method provided by the site for providing the information is a form that relays the form provided by the other site as it is, there is a problem that the customer cannot receive the information in a comfortable state.

In addition, when collecting and providing the information, there is a problem in that the server load is increased due to the increase in the amount of communication when searching without particular limitation.

An object of the present invention for solving the above problems is, customer asset information providing website domain information and customer debt information providing website domain information and the customer investment target financial product information providing website domain selected or provided by the customer terminal in the server Receiving domain information including at least one piece of information, comparing the domain information including at least one selected or provided by the customer terminal with predetermined domain information in a server, and at least selected or provided by the customer terminal; Extracting only predetermined domain information from among domain information including one or more, registering the extracted domain information in a storage medium 1 in association with customer information in a server, and connecting the storage medium in a server to a customer From a website corresponding to domain information linked to the information Asset information, liabilities, financial product information; and the collected at least one customer asset information from the server, liabilities, financial product information periodically collected at least one

Classifying the collected at least one customer asset information, debt information, financial product information by each financial institution-bank, card company, securities company, insurance company, etc .; and storing the classified information in a server in association with the customer information. It provides a selective financial information providing method comprising the step of storing in.

Selective financial information providing system according to the present invention, at least one affiliated website domain information affiliated to distribute asset information, debt information, financial product information, etc. for a specific customer in accordance with the data exchange and distribution standards between websites If the database for storing the information, and the customer terminal provides the website information including the domain information and directory information for distributing the customer asset information, debt information, financial product information, etc. according to the data exchange and distribution standards between the web site, A website authentication means for authenticating the website validity by comparing the domain information included in the website information and the affiliated website domain information in association with a database, and in response to an authentication result of the website authentication means, Affiliation previously stored in the database among website information provided by the terminal Information registration means for registering only the domain information corresponding to the website domain information in the storage medium (1) in connection with the customer information, and the website in accordance with the data exchange and distribution standards between the websites in connection with the storage medium (1) Information collection means for periodically collecting customer asset information, debt information, and financial product information from a website corresponding to the information; and the collected at least one customer asset information, debt information, and financial product information in connection with the customer information. Characterized in that the information storage means for storing in the storage medium (2).

In the selective financial information providing system according to the present invention, the information storing means is to classify and store the customer asset information, debt information, financial product information by each financial institution-bank, card company, securities company, insurance company, etc. It features.

On the other hand, the selective financial information providing method according to the present invention, the customer asset information providing website domain information and customer debt information providing website domain information and the customer investment target financial product information providing web selected or provided by the customer terminal in the server Receiving domain information including at least one site domain information, comparing the domain information including at least one selected or provided by the customer terminal with predetermined domain information in a server, and selecting or providing the domain information; Extracting only predetermined domain information from among domain information including at least one domain information, registering the extracted domain information in a storage medium 1 in association with customer information in a server, and in association with the storage medium in a server; From the website corresponding to the domain information associated with the customer information Periodically collecting at least one or more customer asset information, debt information, and financial product information; and collecting the collected one or more customer asset information, debt information, and financial product information from the server at least one or more customer asset information and debt. And classifying the information and financial product information by each financial institution-bank, card company, securities company, insurance company, etc., and storing the classified information in a storage medium in association with the customer information in a server. do.

Selective financial information providing method according to the invention is characterized in that it further comprises the step of providing the classified information from the server to the customer terminal.

On the other hand, it includes a computer-readable recording medium recording a program for executing the above-described selective financial information providing method.

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 illustrating an information registration system for providing personalized information using at least one standard function for data exchange and distribution between web sites according to an embodiment of the present invention.

In more detail, Figure 1 shows a predetermined customer terminal 130 on a customer request information registration system through a predetermined network means for providing personalized information using at least one standard function for data exchange and distribution between the web sites. When the server provides customer request information including at least one of customer information, asset request information, debt request information, product request information, and output type selection information, the server provides the customer information provided from the customer terminal 130 in the server. And store the customer request information including at least one asset request information, debt request information, product request information, and output type selection information in association with the request information D / B 125 provided on the customer request information registration system. Regarding the configuration of the information registration system to be, if the person of ordinary skill in the art By referring to and / or modifying the drawing 1, various implementation methods for constructing an information registration system for providing personalized information using at least one or more standard functions for data exchange and distribution between the web sites may be inferred. The invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, customer request information including at least one of customer information, asset request information, debt request information, product request information, and output type selection information provided from the customer terminal 130 on the information registration system shown in FIG. Components corresponding to at least one or more means and / or functional configurations for storing in the request information D / B 125 are referred to as " information registration server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for providing personalized information using at least one standard function for exchanging and distributing data between web sites according to the present invention may be provided to a predetermined network means. At least one connected customer terminal 130 and at least one customer request information including at least one of customer information, asset request information, debt request information, product request information, and output type selection information transmitted from the customer terminal 130. Request information D / B 125 which is stored in a cooperative process, and is connected to the customer terminal 130 through a predetermined network means, and customer information, asset request information, debt request information, and goods transmitted through the network means. Receives and stores customer request information including at least one request information and output type selection information in association with the request information D / B 125. It is characterized in that it comprises an information registration server 100.

The customer terminal 130 is a wired communication network based on TCP / IP (for example, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). A mobile communication network (or HSDPA) based on at least one wired terminal including at least one wired terminal including a desktop computer and / or a laptop connected to the information registration server 100 and / or a code division multiple access (CDMA) system. A mobile communication terminal connected to a High Speed Downlink Packet Access (Mobile Speed Network) -based mobile communication network, and / or a mobile Internet terminal connected to an IEEE 802.16x-based high-speed wireless Internet, and / or an IEEE 802.11x-based wireless LAN network. And at least one or more wireless terminals including at least one WLAN terminal, wherein the customer terminal 130 includes the information. Outputting at least one customer request information registration interface screen provided by the server 100, and inputting and / or selecting at least one or more information through the customer request information registration interface screen to transmit to the information registration server 100. It is preferable that a function configuration (for example, a browser program and a communication function) is provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the customer terminal 130 corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof Omit for convenience.

According to an embodiment of the present invention, when the customer terminal 130 is a wired terminal, the network means includes the TCP / IP-based wired communication network, and when the customer terminal 130 is a wireless terminal, The network means preferably comprises at least one of the CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x based high speed wireless Internet, and / or IEEE 802.11x based wireless LAN communication network.

The request information D / B 125 provided on the customer request information registration system according to the present invention selects customer information, asset request information, debt request information, product request information, and output form transmitted from the customer terminal 130. Characterized in that the customer request information including at least one or more information is processed by storing.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer, member information of the customer (for example, the customer is the financial institution of the financial institution). By signing up as a trading customer, it is preferable to include at least one or more member ID information or CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system of the financial institution in response to the customer. Do.

The asset request information is an asset deposited in an account including at least one of a savings account, a savings account, a fund account, a securities transaction account, etc., which the customer registers through the customer terminal 130 and is provided in connection with the financial system. The account number, account name, personal information (e.g., customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and the member information (e.g. At least one or more member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system of the financial institution in response to the customer by joining as a financial transaction customer of the financial institution. It is preferable to include, and may be changed according to the intention and purpose of those skilled in the art.

The debt request information is the customer registration through the customer terminal 130 through the loan account to be provided in connection with the financial system, such as account number, account name, personal information corresponding to the borrowed customer, It is preferable to include at least one member information, it may be changed according to the intention and purpose of those skilled in the art.

Further, the debt request information corresponds to a credit card number corresponding to a credit card to be provided by the customer through the customer terminal 130 and to be provided in connection with the financial system, a credit card name, and a customer who issued the credit card. It is preferable to include at least one or more personal information, member information, and may be changed according to the intention and purpose of those skilled in the art.

The product request information may include at least a product type, a merchandise sales agency, or the like for a new or existing financial instrument that the customer registers or receives from a financial institution accessible through at least one standard for data exchange and distribution between websites. It is preferred to include one or more, and may be changed according to the intention and purpose of those skilled in the art.

The output type selection information may include a form (eg, a graph form) that the customer desires (eg, all) of the received information upon receiving information corresponding to the registered asset request information, debt request information, and product request information. , Table form, etc.), and the like, and the like may include selection information for output request, and may be changed according to the intention and purpose of those skilled in the art.

For example, when the output type selection information is a graph, and when the information corresponding to the debt request information is received, the trend of the debt change is provided as a graph when the trend of the debt change is provided to the customer among the received information. It is desirable to provide to customers.

Those skilled in the art to which the present invention pertains may include information that can be output in a method (ie, graph (or table)), picture (or video) information, corresponding to the output type selection information, It will be familiar with the technical features (such as the output method corresponding to the case where the text information is provided together), so the detailed description is omitted for convenience.

According to an embodiment of the present invention, the information registration server 100 communicates with the customer terminal 130 through the network means in order to provide a web interface corresponding to the customer terminal 130 and the network means. And an interface unit 105 for connecting and managing channels, whereby the information registration server 100 is connected to the customer terminal 130 via a wired communication network and / or a wireless communication network. It has the function of a server.

According to an embodiment of the present invention, when the customer terminal 130 is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP, the interface unit 105 is connected to the customer terminal 130 and HTTP ( Connect a predetermined communication channel based on the Hyper-Text Transfer Protocol protocol, and the customer request information registration interface screen in the form of HTML (Hyper-Text Markup Language) compatible document to the customer terminal 130 through the communication channel and / Alternatively, the information providing screen is transmitted and output, and predetermined customer information, asset request information, debt request information, product request information, and output (or selected) inputted through the customer request information registration interface screen from the customer terminal 130. It is preferable to perform a function of receiving and processing customer request information including at least one type selection information.

According to another exemplary embodiment of the present invention, when the customer terminal 130 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 105 is connected to the customer terminal 130 and a WAP (Wireless). Connect a predetermined communication channel based on Application Protocol and / or Mobile Explorer (ME) protocol, and the customer in the form of WML (Wireless Markup Language) and / or HTML compatible document to the customer terminal 130 through the communication channel. Sends and outputs a request information registration interface screen and / or an information providing screen, and predetermined customer information, asset request information, debt request information, and product request information corresponding to the customer request information registration interface screen from the customer terminal 130. In this case, it is preferable to perform a function of receiving and processing customer request information including at least one output type selection information.

According to another exemplary embodiment of the present invention, when the customer terminal 130 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 105 is connected to the customer terminal 130. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmit a predetermined customer request information registration interface screen and / or information providing screen to the customer terminal 130 through the communication channel. Outputting the customer request information including at least one predetermined customer information, asset request information, debt request information, product request information, and output type selection information corresponding to the customer request information registration interface screen from the customer terminal 130; It is preferable to perform a function for receiving and processing, and / or the customer terminal 130 has a communication channel through a wireless communication network based on IEEE 802.11x When the wireless terminal is connected, the interface unit 105 connects a predetermined communication channel with the customer terminal 130 based on a wireless protocol corresponding to the IEEE 802.11x standard, and the customer terminal through the communication channel. Transmits and outputs a predetermined customer request information registration interface screen and / or an information providing screen to 130; predetermined customer information, asset request information, corresponding to the customer request information registration interface screen from the customer terminal 130; It is preferable to perform a function of receiving and processing customer request information including at least one or more of debt request information, product request information, and output type selection information.

Referring to FIG. 1, the information registration server 100 is linked with the interface unit 105 when a predetermined customer terminal 130 accesses the information registration server 100 through the interface unit 105. A predetermined customer to transmit (or select) the customer request information including at least one of predetermined customer information, asset request information, debt request information, product request information, output type selection information in the customer terminal 130. An interface providing unit 110 for generating (or extracting) a request information registration interface screen and interworking with the interface unit 105 may be inputted through the customer request information registration interface screen from the customer terminal 130. Number of pieces of information for receiving customer request information including at least one of customer information, asset request information, debt request information, product request information, and output type selection information to be transmitted). The client 115, and the request information D / B (125) associated with the request information D / B (125) and the customer request information including at least one or more of the received customer information, asset request information, debt request information, product request information, output type selection information And an information storage unit 120 for storing the information.

The interface providing unit 110 has a functional configuration (eg, a customer) provided in the customer terminal 130 when a predetermined customer terminal 130 is connected to the information registration server 100 through the interface unit 105. Corresponding to the browser program provided in the terminal 130, input (or select) customer request information including at least one piece of predetermined customer information, asset request information, debt request information, product request information, and output type selection information. Generate a predetermined customer request information registration interface screen which can be transmitted to the information registration server 100 via the network means, and / or extract from a predetermined database (not shown), and interwork with the interface unit 105. It characterized in that to provide the generated (or extracted) customer request information registration interface screen to the customer terminal 130 through the network means.

Thereafter, the customer terminal 130 includes customer request information including at least one of predetermined customer information, asset request information, debt request information, product request information, and output type selection information based on the customer request information registration interface screen. If it is confirmed that input (or selection), the customer request information including at least one or more of the customer information, asset request information, debt request information, product request information, output type selection information has been input (or selected), the customer terminal The information registration server 130 may include customer request information including at least one of customer information, asset request information, debt request information, product request information, and output type selection information input (or selected) through the network means. 100).

Those skilled in the art to which the present invention belongs, the customer information, asset request information, through the at least one form (Form) form included in the customer request information registration interface screen in the customer terminal 130, Technical features for inputting (or selecting) customer request information including at least one of debt request information, product request information, and output type selection information, and the customer inputted (or selected) through a communication protocol provided by the network means. Since you will be familiar with the technical characteristics of transmitting the customer request information including at least one information, asset request information, debt request information, product request information, output type selection information to the information registration server 100, Detailed description is omitted for convenience.

The information receiver 115 includes at least one of predetermined customer information, asset request information, debt request information, product request information, and output type selection information through the customer request information registration interface screen at the customer terminal 130. At least one of the customer information, the asset request information, the debt request information, the product request information, and the output type selection information in association with the interface unit 105 when the customer request information is input (or selected) and transmitted through the network means. And receiving customer request information including at least one of the received customer information, asset request information, debt request information, product request information, and output type selection information. Provided by 120.

The information storage unit 120 processes the customer request information including at least one of the customer information, the asset request information, the debt request information, the product request information, and the output type selection information received through the information receiver 115. And store in the request information D / B 125.

2 is a diagram illustrating an information registration process for providing personalized information using at least one standard function for data exchange and distribution between web sites according to an embodiment of the present invention.

In more detail, in FIG. 2, at least one standard for exchanging and distributing data between web sites by the customer terminal 130 on the information registration system shown in FIG. 1 to the information registration server 100 through a predetermined network means is provided. When the customer request information including at least one or more of customer information, asset request information, debt request information, product request information, output type selection information for providing personalized information using the function is transmitted, the information registration server 100 The present invention relates to a process of linking and processing customer request information including at least one of customer information, asset request information, debt request information, product request information, and output type selection information in request information D / B 125. Those skilled in the art can refer to and / or modify this drawing to facilitate the exchange and distribution of data between websites. Various implementation methods for the information registration process for providing personalized information using at least one or more standard functions may be inferred, but the present invention includes all the implementation methods inferred above, and only with the implementation method illustrated in FIG. It is not limited.

Hereinafter, in FIG. 2, the information registration server 100 on the information registration system shown in FIG. 1 will be referred to as "server" for convenience, and the customer terminal 130 on the information registration system shown in FIG. 1 will be referred to as "terminal" for convenience. It is called.

Referring to FIG. 2, a terminal on the information registration system shown in FIG. 1 is connected to the server through the network means to provide personalized information using at least one standard function for data exchange and distribution between web sites. Connect the communication channel (200).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, customer information corresponding to the terminal is extracted (or obtained).

Those skilled in the art to which the present invention belongs, the terminal is connected to the server in accordance with the communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means to the data between the web site Since it will be familiar with the technical features of connecting a communication channel for providing personalized information using at least one standard function for exchange and distribution, a detailed description thereof will be omitted for convenience.

As described above, when a communication channel for providing personalized information using at least one standard function for data exchange and distribution between the terminal and the server is connected, the terminal connects the web site to the server through the communication channel. Request a customer request information registration interface screen for providing personalized information using at least one standard function for exchanging and distributing data (205), and correspondingly, the server requests the customer information, asset request information, Generate (or extract) a customer request information registration interface screen including a user interface for inputting (or selecting) customer request information including at least one of debt request information, product request information, and output type selection information (210); , Through the generated (or extracted) customer request information registration interface screen The mobile station transmits to the terminal through the new channel (215).

Thereafter, the terminal is included in the customer request information registration interface screen for inputting (or selecting) customer request information including at least one of the customer information, asset request information, debt request information, product request information, and output type selection information. Through the user interface, the client request information including at least one of the customer information, the asset request information, the debt request information, the product request information, and the output type selection information is input (or selected).

If the terminal inputs (or selects) customer request information including at least one of the customer information, asset request information, debt request information, product request information, and output type selection information (225), the terminal transmits the communication channel. Sending the customer request information including at least one of the customer information, asset request information, debt request information, product request information, output type selection information to the server through 230, and correspondingly the server receives the received The customer request information including at least one of customer information, asset request information, debt request information, product request information, and output type selection information is processed in association and stored in the request information D / B 125 shown in FIG. (235).

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). It is preferable that the at least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system of the financial institution in response to the customer.

3 is a diagram illustrating a configuration of an internet banking system for providing personalized information according to an embodiment of the present invention.

In more detail, Figure 3 is characterized in that it provides a service for collecting and providing information according to at least one standard for exchanging and distributing data between web sites from a predetermined web server 300 to at least one or more customer terminals 365. As an Internet banking system configuration for providing personalized information, those of ordinary skill in the art to which the present invention pertains, refer to and modify the present Figure 3 in the configuration of the Internet banking system for providing personalized information Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

For example, if a person having ordinary technical knowledge in the art to which the present invention belongs, the functional component or the functional component provided on the web server 300 may be provided in at least one or more servers, whereby the present invention This is not limited.

In addition, it is preferable that the web server 300 includes the Internet banking server, but for convenience of explanation, a functional component or means for a part which is not related to the purpose of the present invention has been omitted. The present invention is not limited by this.

Referring to FIG. 3 according to an embodiment of the present invention, the Internet banking system for providing personalized information includes at least one customer terminal 365 having a predetermined web browser, and the customer terminal through a predetermined communication network. A web server 300 for operating a website for providing information collection and providing service according to at least one standard for exchanging and distributing data between web sites at 365, and information linked with the web server 300. Characterized in that it comprises an information providing server 360 for providing a service, wherein the web server 300 to the customer terminal 365 at least one or more standards for data exchange and distribution between the web site It is preferable that the Internet banking server that provides a service for collecting and providing information.

The customer terminal 365 is connected to at least one web server 300 through a predetermined communication network to connect a communication channel for information collection and providing services according to at least one standard for data exchange and distribution between the web sites. A generic term for a terminal device, characterized in that for this purpose, the customer terminal 365 comprises 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 with a web browser, a semi-fixed terminal such as a notebook, or a portable / portable portable terminal.

According to one embodiment of the invention, the customer terminal 365 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 a communication channel for information collection and provision service according to at least one standard for exchanging and distributing data between the web server 300 and the web site according to a Hyper-Text Transfer Protocol (HTTP) compatible protocol. .

According to another exemplary embodiment of the present invention, the customer terminal 365 may include 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 data between the web server 300 and the web site according to the Hyper-Text Transfer Protocol (HTTP) compatible protocol provided in the communication network It is desirable to connect a communication channel for information collection and provision service according to at least one standard for exchange and distribution.

After the communication channel for information collection and providing service according to at least one standard for data exchange and distribution between the web server 300 and the web site is connected, the customer terminal 365 connects the web through the communication channel. Hyper-Text Markup Language (HTML) compliant web document (eg, * .html, * .htm, for a service for collecting and providing information according to at least one standard for exchanging and distributing data between the web sites from the server 300). * .asp. *. jsp, * .xml, * .wml, etc.), and the received web document is output through a web browser provided in the customer terminal 365. .

If one of ordinary skill in the art to which the present invention pertains, the customer terminal 365 collects and provides information according to at least one standard for exchanging and distributing data between the web server 300 and the web site. Connecting a communication channel for receiving the web document from the web server 300 for information collection and providing service according to at least one standard for data exchange and distribution between the web sites and outputting the same through the web browser. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

The web server 300 includes at least one web document source and digital content for generating at least one web document for information collection and provision service according to at least one standard for data exchange and distribution between the web sites. And a DBMS (DataBase Management System) having a web operation D / B for storing web operation data.

In addition, the web server 300 preferably further comprises request information D / B 350 for storing customer request information registered through the customer request information registration system shown in FIG.

According to an embodiment of the present invention, the web document source of the web operation data is at least one or more for the service of collecting and providing information according to at least one standard for data exchange and distribution between the web site in the web server 300 It is preferable to include an HTML-compatible tag and various script codes for generating a web document provided to the customer terminal 365, and the data content includes image content, sound content, and multimedia content to be included in the web document. It is preferable to comprise at least one or more.

Those skilled in the art to which the present invention pertains collect information according to at least one standard for exchanging and distributing data between the web sites, including the web document source and digital content included in the operation data. And since you will be familiar with the technical features that at least one web document for the service is generated, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the DBMS further includes at least one Internet banking service related information (eg, member information (eg, member ID information, etc.) for the Internet banking service, in addition to the web operation D / B. However, one of ordinary skill in the art to which the present invention pertains can easily infer various kinds of information or contents additionally stored in the DBMS corresponding to each web server 300 application field. Therefore, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the information stored in the request information D / B 350 includes customer request information including at least one of customer information, asset request information, debt request information, product request information, and output type selection information. Is preferably.

The asset request information is an asset deposited in an account including at least one of a savings account, a savings account, a fund account, a securities transaction account, etc., which the customer registers through the customer terminal 365 and is provided in connection with the financial system. The account number, account name, personal information (e.g., customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and the member information (e.g. At least one or more member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system of the financial institution in response to the customer by joining as a financial transaction customer of the financial institution. It is preferable to include, and may be changed according to the intention and purpose of those skilled in the art.

The debt request information is the customer registration through the customer terminal 365 through the loan account to be provided in connection with the financial system, such as account number, account name, personal information corresponding to the borrowed customer, It is preferable to include at least one member information, it may be changed according to the intention and purpose of those skilled in the art.

Further, the debt request information corresponds to a credit card number corresponding to a credit card to be provided by the customer through the customer terminal 365 and to be provided in connection with the financial system, a credit card name, and a customer who issued the credit card. It is preferable to include at least one or more personal information, member information, and may be changed according to the intention and purpose of those skilled in the art.

According to an embodiment of the present invention, the web server 300, customer information, customer asset information, customer debt information, for the information collection and provision service according to at least one standard for data exchange and distribution between the web site, It is preferred to have a DBMS comprising a storage medium 355 for storing the information to be provided that includes at least one financial product information.

According to another exemplary embodiment of the present invention, the storage medium 355 is provided at a predetermined affiliated party affiliated with the web server 300, or the web server 300 is accessible through a predetermined communication network. It is possible to be provided in the DB server, by which the present invention is not limited.

The customer asset information corresponds to the asset request information registered by the customer through the customer request information registration system shown in FIG. 1, and provides personal information and member information to the account number, account name, and account holder included in the asset request information. It is preferable to include at least one or more of the savings, savings, funds, liquid assets deposited in the securities trading account provided from the predetermined information providing server 360 connected to the web server 300 system through In accordance with the intention and purpose of those skilled in the art, the information providing server 360 is provided with an asset (for example, a real estate, a real estate, etc.) previously registered by the customer, or a registration server connected with the web server 300. It may further include an asset or the like for the customer.

The customer debt information corresponds to the debt request information registered by the customer through the customer request information registration system shown in FIG. 1, and includes personal information corresponding to the account number, account name, and loaned customer included in the debt request information. It is preferable to include at least one or more of the card usage history, credit or mortgage loan history of the customer provided from a predetermined information providing server 360 connected to the web server 300 system through the member information, According to the intention and purpose of the information providing server 360, the debts (eg, bonds, borrowings from individuals, etc.) previously registered by the customer in the institution provided with, or from the registry server associated with the web server 300 It may also include a debt inferred from the collateral, etc. set in the provided assets to the customer.

The financial product information corresponds to the product request information registered by the customer through the customer request information registration system shown in FIG. 1, through the product type, product selling agency, etc. included in the product request information, and the web server 300. At least one item of product information about a product type that the customer is interested in provided from a predetermined information providing server 360 connected to the system, and information on a rate of return change of the product when the product is an investment product such as a fund. It is preferably made, including, may further comprise a subscription application information for joining the financial product according to the intention and purpose of those skilled in the art.

Referring to FIG. 3, the web server 300 connects a communication channel to at least one or more customer terminals 365 for information collection and provision service according to at least one standard for exchanging and distributing data between the web sites. And providing the client terminal 365 with at least one web document corresponding to a web page for information collection and provision service according to at least one standard for data exchange and distribution between the web sites through the communication channel. It is characterized by comprising a web interface unit 305 (or web interface means).

The web interface unit 305 is the customer for the information collection and providing service according to at least one standard for data exchange and distribution between the web site according to the HTTP compatible protocol provided in the communication network connected to the customer terminal 365 Providing at least one HTML compatible web document (eg, * .html, * .htm, * .asp. * .Jsp, * .xml, * .wml, etc.) corresponding to the web page to be provided to the terminal 365 It characterized in that for connecting and maintaining the communication channel.

After the customer terminal 365 and the communication channel are connected, at least one web document corresponding to a web page to be provided to the customer terminal 365 is generated in the web server 300, the web interface unit ( 305 transmits the web document to the customer terminal 365 through the communication channel, and outputs the web document through a web browser provided in the customer terminal 365.

Referring to FIG. 3, the web server 300 is connected to the web operation D / B to provide information collection and provision services based on at least one standard for exchanging and distributing data between the web sites. Web pages that generate at least one HTML-compatible web document (e.g., * .html, * .htm, * .asp. * .Jsp, * .xml, * .wml, etc.) corresponding to the web page to be provided The client terminal 365 in which the generated web document is transmitted by extracting at least one or more digital contents to be included in the web document in association with the operation unit 315 (or web page operation means) and the web operation D / B. In accordance with the web page operation procedure corresponding to the information collection and provision service according to the digital content operation unit 320 (or digital content operation means) and at least one or more standards for exchanging and distributing data between the web site, remind The web manager may control generation of at least one web document by the page manager 315 or extract at least one or more digital contents to be included in the generated web document by the digital content manager 320. And a web service control unit 310 (or web service control unit) for controlling the output to the customer terminal 365. The web interface unit 305 includes the web service control unit 310. And at least one web document generated by the web page operation unit 315 to the customer terminal 365 through the communication channel.

The web service controller 310 may perform a web page operation procedure (or a web page request from a customer terminal 365) corresponding to an information collection and provision service according to at least one standard for data exchange and distribution between the web sites. Accordingly, the web page operation unit 315 controls to generate at least one web document corresponding to a web page for a service for collecting and providing information according to at least one standard for data exchange and distribution between the web sites. The web page operation unit 315 may correspond to a web page for information collection and provision service according to at least one standard for data exchange and distribution between the web sites in connection with the web service control unit 310. At least one web document is generated.

According to an embodiment of the present invention, at least one web document corresponding to a web page for a service for collecting and providing information according to at least one standard for exchanging and distributing data between the web sites is provided by the customer illustrated in FIG. The information is collected through the information providing server 360 in response to customer request information including at least one of customer information, asset request information, debt request information, product request information, and output type selection information registered through the request information registration system. It is preferable to include at least one or more customer information, customer asset information, customer debt information, financial product information.

The web document generated by the web page management unit 315 includes at least one digital content link, which corresponds to the digital content link from the customer terminal 365 that receives the web document to the web server 300. When the digital content output request is made, the digital content operation unit 320 outputs at least one digital content corresponding to the digital content link from the web operation D / B, and outputs the output digital content to the web interface unit. By transmitting to the customer terminal 365 through the 305, the digital content is characterized in that the processing to be included in the web document transmitted to the customer terminal 365 to be output.

Referring to FIG. 3, the web server 300 stores the customer asset information stored in the storage medium 355 for information collection and provision service according to at least one standard for data exchange and distribution between the web sites. Part (or all) of the customer asset information, customer debt information, and financial product information in response to the output type selection information registered through the customer request information registration system shown in FIG. 1 for providing customer debt information and financial product information. Information extracting unit 325 (or extracting only information of a predetermined site (or company) according to the intention and purpose of a person skilled in the art (or a customer who uses the information collecting and providing service) of the information collecting and providing service) Information extraction means) and the customer asset information, customer debt information, and financial product information extracted by the information extraction unit 325 are stored in the request information D / B 350. An information converting unit 330 (or information converting means) for converting and processing information corresponding to the form type selection information, and a predetermined area of a web page to provide the information converted by the information converting unit 330 to the customer terminal 365. The information output unit 335 (or information output means) for processing to be outputted to the web page and a web page operating procedure corresponding to the information collection and provision service according to at least one standard for data exchange and distribution between the web site. The information output unit 335 is characterized by comprising a web service control unit 310 for controlling the output of the converted information.

The information extracting unit 325 stores the customer asset information, customer debt information, and finance stored in the storage medium 355 for information collection and provision service according to at least one standard for data exchange and distribution between the web sites. Collecting the information of the customer asset information, customer debt information, some (or all) of the customer asset information, customer debt information, financial product information corresponding to the output type selection information registered through the customer request information registration system shown in Figure 1 to provide product information; Characterized in accordance with the intention and purpose of those skilled in the art (or customers using the information collection and providing services) providing the provided service is characterized in that it extracts only the predetermined site (or company) information.

According to one embodiment of the present invention, only information corresponding to a predetermined site (or company) according to the intention and purpose of a person skilled in the art (or a customer using the information collection and provision service) that provides the information collection and provision service is provided. The extraction method may include only output target information (that is, site information or company information, etc. set according to the intention and purpose of those skilled in the art) to be output to the web page when the web terminal provides a predetermined web page. It is preferable to extract, and the information received from a financial institution provided with the limited target information providing server 360 is preferably provided through a separate bulletin board.

According to another exemplary embodiment of the present invention, information corresponding to a predetermined site (or company) according to the intention and purpose of a person skilled in the art (or a customer who uses the information collection and provision service) that provides the information collection and provision service. In the method of extracting only, when receiving information from the information providing server 360, it is preferable to extract only the set site (or company) information set from the received information, and the limited target information providing server 360 Information received from a financial institution equipped with is preferably provided through a separate bulletin board.

Those skilled in the art to which the present invention belongs, the site (or a predetermined site) according to the intention and purpose of those skilled in the art (or a customer using the information collection and providing services) providing the information collection and providing services (or Since you will be familiar with the technical features of how to extract only the information corresponding to the company), the detailed description is omitted for convenience.

The information conversion unit 330 converts the customer asset information, customer debt information, and financial product information extracted by the information extraction unit 325 in response to the thrust type selection information stored in the request information D / B 350. It is characterized by.

According to the implementation method of the present invention, the conversion method according to the output form selection registered by the customer, the numerical information on the change trend during the unit period during the customer asset information, customer debt information, financial product information to be provided to the customer If is included, it is preferable to convert to a graph (or table) selected by the customer in response to the information.

According to another exemplary embodiment of the present invention, the conversion method according to the output form selection registered by the customer includes a graph of a change in the unit period during the provision of the customer asset information, the customer debt information, and the financial product information to be provided to the customer. If (or table) information is included, it is preferable to convert the information into a graph (or table) of the form desired by the customer.

According to another embodiment of the present invention, the conversion method according to the output form selected by the customer, the customer asset information, customer debt information, financial product information to be provided to the customer by bank / card company / securities company / insurance company When classified and stored, it is preferable to convert the information by integrating the stored information classified by bank / card company / securities company / insurance company.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the conversion method according to the output form selection registered by the customer, so the detailed description of the conversion process will be omitted for convenience. .

The information output unit 335 may process the information converted by the information conversion unit 330 to be output to a predetermined area of a web page to be provided to the customer terminal 365.

According to an embodiment of the present invention, a method of outputting a web document including the converted information includes providing the converted information to the customer terminal 365 in response to selection of an output form selected by the customer. It is preferable to output to a predetermined area (or a window for outputting the information) of the web document to be output to (365).

According to another exemplary embodiment of the present invention, the method for outputting a web document including the converted information includes information to provide the converted result information to the customer terminal 365 in response to the selection of the output form selected by the customer. The information to be converted may be deleted and replaced with the converted result information to be output to a predetermined region (or a window for outputting the information) of the web document.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the process and method for outputting a web document including the converted information, so the detailed description is omitted for convenience.

Referring to FIG. 3, the web server 300 requests customer information and assets registered through FIG. 1 for information collection and provision service according to at least one standard for data exchange and distribution between the web sites. From the information providing server 360 to provide the customer asset information, customer debt information, financial product information corresponding to the customer request information including at least one information, debt request information, product request information, output type selection information Information collecting unit 345 (or information collecting means) received by at least one standard function for data exchange and distribution, customer asset information, customer debt information, financial product information received by the information collecting unit 345 And an information storage unit 340 (or information storage means) for storing and cooperatively processing the customer information.

The information collecting unit 345 is a customer information, asset request information, debt request information, registered through the Figure 1 for the information collection and providing services according to at least one standard for data exchange and distribution between the web site, For data exchange and distribution between websites from an information providing server 360 that provides customer asset information, customer debt information, and financial product information in response to customer request information including at least one of product request information and output type selection information. And at least one standard function.

According to the embodiment of the present invention, the communication method between the information providing server 360 and the web server 300, the web server 300 is predetermined from the information providing server 360 provided in the target organization is not limited It is desirable to establish and connect at least one standard channel for exchanging and distributing data between web sites for gathering information, and to collect the information through at least one standard channel for exchanging and distributing data between web sites. Do.

According to another exemplary embodiment of the present invention, in the method for communicating between the information providing server 360 and the web server 300, the information providing server provided in the target institution of which the web server 300 is limited or not restricted is provided. Establish and link at least one specification channel for data exchange and distribution between websites for collecting predetermined information from 360, and the information through at least one specification channel for data exchange and distribution between the websites It is desirable to collect.

According to an exemplary embodiment of the present invention, the method of collecting customer asset information may include asset information of a financial institution (or a register office) equipped with the information providing server 360 in response to the asset request information registered by the customer. It is desirable to collect customer asset information corresponding to the customer from all registered agencies).

According to another exemplary embodiment of the present invention, a method of collecting customer debt information may include debt information of a financial institution (or a register office) equipped with the information providing server 360 in response to debt request information registered by the customer. It is preferable to collect the customer debt information corresponding to the customer from all registered institutions).

According to another exemplary embodiment of the present invention, the method for collecting the financial product information includes a debt of a financial institution (or a registrar) equipped with the information providing server 360 in response to the product request information registered by the customer. It is preferable to collect the financial product information set by the customer from all institutions for which the information is registered.

Those skilled in the art to which the present invention pertains will be familiar with the technical characteristics of the method and process for collecting the customer asset information, customer debt information, financial product information, detailed description is omitted for convenience. do.

The information storage unit 340 stores the received customer asset information, customer debt information, financial product information and customer information in association with each other.

According to the method of the present invention, the method for storing the customer asset information, customer debt information, financial product information in association with the customer information, the bank, card company corresponding to the customer asset information, customer debt information, financial product information For example, it is preferable to store them by securities company and insurance company.

In more detail, Figure 3 is characterized in that it provides a service for collecting and providing information according to at least one standard for exchanging and distributing data between web sites from a predetermined web server 300 to at least one or more customer terminals 365. As an operation flow of the Internet banking system for providing personalized information, those skilled in the art to which the present invention pertains, the Internet banking system for providing the personalized information by referring to and modifying the Figure 3 Various implementation methods for the operational flow of the can be inferred, but the present invention includes all the implementation methods inferred, the technical features are not limited to the implementation method shown in FIG.

For example, those of ordinary skill in the art to which the present invention pertains can perform various methods such as modifying the order of the operation flow of the Internet banking system by providing and modifying the personalized information by referring to and modifying this figure 4a and the queue. It may be inferred that the present invention includes all the methods of inferring the above, by which the present invention is not limited.

Also, those skilled in the art to which the present invention pertains may refer to and modify the Internet banking-based financial transaction channel connection method shown in FIGS. 4A and 4B, in addition to the Internet banking system, and the like. It would be possible to infer a method of implementation in another banking system, such as a banking system, a TV banking system, but the present invention includes all the methods of inferring the above, and the present invention is not limited thereto.

4a and 4b, the customer terminal 365 is referred to as " terminal " for convenience, and the web server 300 is referred to as " server " for convenience.

4A and 4B, the customer information, customer asset information, customer debt information, and financial product information are referred to as "provision target information".

4A and 4B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (400a), the server communicates between the terminal and the server through the browser. (405a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in 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 providing a predetermined script for checking whether to update the information to the terminal, the terminal is equipped with a predetermined security module for Internet banking, or at least one or more whether to update the security module Check (410a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests at least one or more version information or last update date information, etc., from the internet banking program, thereby providing the Internet banking program ( Or a security module associated with an internet banking program).

If a predetermined security module needs to be installed or updated in the terminal (415a), the server transmits 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 to install or update the security module. 420a.

If the terminal does not need to install or update the latest version of the Internet banking security module (425a), or if the terminal does not need to load or update the Internet banking security module (415a), 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) (430a), where the security channel for Internet banking Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal confirms the digital signature or corresponds to the encryption scheme (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decoding method (or decryption algorithm), and the information (or data) when the terminal provides predetermined information (or data) to the server If a predetermined digital signature is attached, or encrypted and transmitted using at least one encryption method (or encryption algorithm), the server verifies 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).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by 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 decoding the information (or data) by a decryption method (or decryption algorithm), and information (or data) to be provided to the server to transmit predetermined information (or data) from the terminal to the server. ) Attach a predetermined digital signature or at least one When the transmission is encrypted by an encryption method (or an encryption algorithm), the server verifies the electronic signature or transmits the information (or data) by a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). ) Means a communication channel for decoding.

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 requests the terminal to perform an internet banking customer authentication procedure through the browser program (435a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an electronic banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (440a). The server (or the authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (445a).

If the Internet banking customer authentication fails (450a), the server blocks the Internet banking secure channel for the terminal (455a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (450a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (460a), where the Internet banking based The financial transaction channel refers to a communication channel capable of transmitting predetermined information from the terminal to the server or collecting predetermined information from the server.

Thereafter, the terminal requests a web page for using an internet banking service from a terminal through a financial transaction channel (400b), and the server generates (or extracts) a web page requested from the terminal (405b), and the financial The generated (or extracted) internet banking webpage is transmitted to the terminal through a transaction channel and output (410b).

When the server requests and connects a communication channel to the information providing server 360 through at least one standard function for data exchange and distribution between web sites, and then requests information corresponding to the customer (415b), The information providing server 360 transmits the providing target information corresponding to the customer and receives it from the server (420b), and stores the received providing target information in the storage medium 355 provided on the server ( 425b).

According to another exemplary embodiment of the present invention, the method for collecting the financial product information includes a financial institution (or a register office, etc.) provided with the information providing server 360 in response to the product request information registered by the customer. It is preferable to collect the financial product information set by the customer from all institutions for which debt information is registered.

Thereafter, the server checks whether the information to be included (or output) in the web page to be provided to the terminal (430b).

If there is information to be included in the web page to be provided to the terminal (435), the server extracts the provision target information, not the restriction target information from the information to be provided to the terminal (440b).

Subsequently, the server corresponds to the registered output type selection information by providing the target information extracted from the information corresponding to the customer request information in a predetermined area of a web page (or a web page provided to the terminal) to be provided to the terminal. In operation 445b, the converted information and the provision target information are transmitted to the terminal and output in operation 450b.

According to another embodiment of the present invention, the conversion method according to the output form selected by the customer, the customer asset information, customer debt information, financial product information to be provided to the customer by bank / card company / securities company / insurance company When classified and stored, it is preferable to convert the information by integrating the stored information classified by banks / card companies / securities companies / insurance companies.

According to the present invention, when a customer requests information on a certain field, registering it has the advantage of easily collecting information from a server providing a function such as RSS.

In addition, since the collected information does not merely serve as a relay, it is converted and output according to a predetermined output form set by the customer, thereby providing a more convenient information to the customer.

In addition, in the case of limiting the search target, since the number of communication is significantly reduced, there is an advantage that can solve the problem of a large load on the server.

Claims

A database for storing at least one affiliate web site domain information affiliated to distribute asset information, debt information, financial product information, etc. for a specific customer according to data exchange and distribution standards between web sites;

If the client terminal provides website information including domain information and directory information for distributing the customer asset information, debt information, financial product information, etc. according to data exchange and distribution standards between websites, the web in connection with the database Website authentication means for comparing the domain information included in site information with the affiliated website domain information to authenticate the website validity;

In response to the authentication result of the website authentication means, only the domain information corresponding to the affiliated website domain information previously stored in the database among the website information provided by the customer terminal is registered in the storage medium 1 in association with the customer information. Information registration means;

Information collecting means for periodically collecting customer asset information, debt information, and financial product information from a website corresponding to the website information in accordance with data exchange and distribution standards between the websites in association with the storage medium (1);

And information storage means for storing the collected at least one customer asset information, debt information, and financial product information in a storage medium in association with the customer information.

The method of claim 1, wherein the information storage means,

Selective financial information providing system, characterized in that the customer asset information, debt information, financial product information is classified and stored by each financial institution-bank, card company, securities company, insurance company, and the like.

Receiving domain information including at least one of the customer domain information providing website domain information and customer debt information providing website domain information selected by the client terminal on the server, and at least one or more of the website domain information providing financial product information for the customer investment step;

Comparing only predetermined domain information among domain information including at least one selected or provided by the client terminal by comparing domain information including at least one selected or provided by the client terminal with predetermined server information at a server; ;

Registering the extracted domain information in a storage medium (1) in association with customer information in a server;

Periodically collecting at least one or more customer asset information, debt information, and financial product information from a website corresponding to the domain information linked to the customer information in association with the storage medium by the server;

At least one customer asset information, debt information, financial product information collected by the server

Classifying the collected at least one customer asset information, debt information, financial product information by each financial institution-bank, card company, securities company, insurance company, etc .;

And storing the classified information in a storage medium in association with the customer information at the server.

The method of claim 3, wherein

And providing the classified information from the server to the customer terminal.

A computer-readable recording medium having recorded thereon a program for executing the method of claim 3.