KR20160108906A - Integrated system and method for managing financial accounts - Google Patents

Abstract

The present invention relates to a system for integratively managing accounts which can integratively manage deposit and withdrawal details of a plurality of accounts. The system for integratively managing accounts comprises: a web server unit to provide a screen for becoming a member and registering an account to provide an integrated account management service, and receive account information retained by one or more financial institutions from a client terminal on the provided screen; a membership management unit to register the account information received via the web server unit for each client in a database; and a text receiver to receive a deposit/withdrawal detail in a text message from a financial institution side when the deposit/withdrawal detail is generated with respect to the account information registered in the membership management unit. The deposit/withdrawal detail can be recognized in real time.

Description

[0001] INTEGRATED SYSTEM AND METHOD FOR MANAGING FINANCIAL ACCOUNTS [0002]

FIELD OF THE INVENTION The present invention relates to an account integration management system and method capable of integrally managing deposit and withdrawal details of a plurality of accounts.

Recently, financial institutions including banks, brokerage firms, and credit card companies have been providing online financial transaction services through PC communications and the Internet, escaping from offline transactions in accordance with the development of communication networks. With these services, customers can view balances, view transaction details, and transfer accounts without having to visit the bank or go to the cash dispenser.

However, the online financial transaction services must be individually connected to the communication or homepage of the corresponding financial institution, and the service methods are also different from each other. In addition, in the case of a web page, an associated file that is not necessary for a user such as an HTML TAG and a picture file must be downloaded to the user's web browser, and there is a limitation in moving the web page to provide a fast and efficient financial service .

To solve these problems, we have introduced a system to open a single integrated financial service site and to check the deposit and withdrawal details of multiple banks through a web or program without accessing the Internet banking service site provided by each financial institution. At this time, in the integrated financial service site, it is possible to integrate an account automation system that automates a series of processes for collecting transaction information of a customer during a predetermined period by inquiring the customer's information (account number, date of birth, password, etc.) on the Internet banking site provided by each financial institution Service.

However, since the conventional account integration service can not recognize that new deposit and withdrawal details are generated, it has a disadvantage of scraping access to the internet banking site continuously at regular intervals. Or the customer has to perform the inquiry request directly through the account integration service. If the amount of information to be scraped is small, it is not a big problem. However, in order to manage a plurality of accounts in an integrated manner for many customers, it takes a long time to scrape, and the system load increases.

Due to these factors, it is difficult for the conventional account integration service to confirm the deposit and withdrawal history in real time, which is a problem in that the efficiency is deteriorated.

Japanese Laid Open Patent Application No. 2003-281458 entitled " Multiple Account Integrated Management Method and Multiple Account Integrated Management Method " and " Multiple Account Integrated Management Program ", published on October 03, 2003).

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems, and it is an object of the present invention to provide a banking service which notifies bank account details of an account registered by a customer using a text service, An object of the present invention is to provide an account integration management system capable of scraping and auto-updating.

According to an aspect of the present invention, there is provided an integrated account management system for providing an integrated account management service, which comprises a screen for registering a member and registering an account, A web server unit for receiving information; A subscription management unit for registering the account information input through the web server unit in a database for each client; And a character receiver for receiving the occurrence details of the deposit and withdrawal history with respect to the account information registered in the subscription management unit from a financial institution side via a text message.

Further, at the time when the text receiver receives the text message, the text receiver confirms the account information matching the occurrence details, connects to the financial institution server corresponding to the account information, scrapes the real time deposit / withdrawal history of the account, And a scraping server unit for automatically updating the information in the database.

Also, the web server unit provides a screen for inquiring the deposit and withdrawal history to the client terminal that has made a membership, and when the inquiry of the deposit and withdrawal details is requested from the screen, the web server unit stores the deposit and withdrawal details information automatically updated through the scraping server unit .

In addition, the account integration management system may read the text message received by the text receiver to acquire the account number or the financial institution information from the occurrence details included in the text message, and store the account information matched with the acquired information, And transmitting the extracted information to the scraping server unit.

Also, the scraping server scrapes only the occurrence details received in the text message during scraping, or scrapes the contents up to a predetermined time before the occurrence of the occurrence details.

In addition, the scraping server unit may access the financial institution server according to a predetermined scheduler other than the time when the receipt and withdrawal history is received through the text receiver in the form of a text message, and perform scrapping.

The subscription management unit may receive a receipt number from which the deposit and withdrawal history can be notified from the client terminal through subscription, and assign the received receipt number to the character receiver.

The character receiver is a Mobile Internet Gateway (MIG) terminal that receives a text message based on a receiver-specific number set by the subscription manager in association with one or more financial institution servers or a message server.

According to another aspect of the present invention, there is provided a method for managing an account of at least one financial institution, the method comprising: displaying a screen for registering a member and registering an account And receiving account information held by a client from the screen; Registering account information inputted by the subscription management unit of the system through the web server unit in a database for each client; And a step of recognizing the receipt and payment history in real time by receiving a receipt and payment history of the account information registered in the subscription management unit by the text receiver of the system from the financial institution side in a text message.

In addition, the account unification management method may further include a step of, when the scrapping server of the system receives the text message, confirms the account information matching the occurrence details, accesses the financial institution server corresponding to the account information, Scraping the real time deposit history; And automatically updating scraping information of the scraping server of the system to the database.

In addition, in the step of registering the account information by the subscription management unit of the system, the subscription management unit receives a receipt number from which the deposit and withdrawal history can be notified from the client terminal, and assigns the received receipt number to the character receiver Process.

According to the present invention, when deposit and withdrawal details are generated for a plurality of accounts registered by each customer, there is an effect of recognizing occurrence of withdrawal and withdrawal details in real time by receiving characters corresponding to the occurrence details. Accordingly, even if the account integration management system or the customer does not access the financial institution server from time to time, it is possible to confirm whether or not the deposit and withdrawal history for the plurality of accounts is generated by receiving the text.

In addition, at the time when the deposit / withdrawal occurrence details are recognized, the account integration management system accesses the server of the financial institution and automatically updates deposit and withdrawal details for a plurality of accounts, so that the customer can check the latest deposit and withdrawal details in real time.

In addition, since the present invention utilizes a Mobile Internet Gateway (MIG) capable of receiving SMS characters for the deposit and withdrawal history, the cost of the device purchase and maintenance is significantly lower than that of the smartphone . Especially, compared with the technique of receiving SMS text by a smart phone, a character missing phenomenon which is caused by a bad reception of characters due to a change of the position of the smartphone or power-off can be solved.

In addition, the present invention has an effect that the profitability can be increased because the number of customers that a dedicated character receiver can cover per device in comparison with a smartphone is relatively large.

In addition, the present invention can significantly reduce the system load compared to the conventional method of scrapping deposit and withdrawal history information of a plurality of accounts at regular intervals.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a diagram illustrating a network configuration of an integrated account management system according to an embodiment of the present invention; FIG.
2 is a detailed configuration diagram of an account integration management system according to an embodiment of the present invention;
3 is a diagram illustrating a character receiver applied in an account integration management system according to an embodiment of the present invention.
4 is a flowchart illustrating an account integration management method according to an embodiment of the present invention.

It is noted that the technical terms used herein are used only to describe specific embodiments and are not intended to limit the invention. Also, the technical terms used herein should be interpreted in a sense that is generally understood by those skilled in the art to which the present invention belongs, unless otherwise defined in this specification, and it should be understood that an overly comprehensive It should not be construed as a meaning or an overly reduced meaning.

Also, the singular forms "as used herein include plural referents unless the context clearly dictates otherwise. In the present application, the term "comprising" or "comprising" or the like should not be construed as necessarily including the various elements or steps described in the specification, Or may be further comprised of additional components or steps.

Hereinafter, the present embodiment will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a network configuration of an integrated account management system according to an embodiment of the present invention.

The integrated account management system 100 according to an exemplary embodiment of the present invention is connected to a plurality of client terminals 200 or a plurality of financial institution servers 300 via a network, Integrate management of account transactions for the organization.

A plurality of financial institution servers 300 usually means management servers in banking institutions, securities companies, insurance companies, and the like.

A plurality of financial institution servers 300 provide financial transaction services of respective financial institutions, and in particular, manage transaction details, deposit and withdrawal details according to financial transactions.

In addition, a plurality of financial institution servers 300 can transmit transaction details based on financial transactions, in particular, deposit and withdrawal details by text message. At this time, the text message may include the entire information on the transaction history or the deposit / withdrawal history, but may include at least one of account information, account name, and transaction amount so that only the transaction details or the deposit / . (Short Message Service) or MMS (Multi Message Service) according to the size of the information data included in the text message.

The text message may be sent directly from the financial institution server 300 or the financial institution server 300 may request a text message to be sent to a message server (for example, an SMS server (Short Message Service Center)), ) Can send a text message to the receiving terminal. Here, the receiving terminal includes a character receiving terminal of the integrated account management system 100. [

A plurality of client terminals 200 includes a management terminal of a client (customer) having at least one account in each financial institution and using a financial transaction through a holding account. The client (customer) may be an individual requiring integrated management of multiple accounts, or may be a server of another group or group company, or a specific site. For example, it may include a personal business operator of an Internet shopping mall, a home shopping company, a grocery retailer, an advertisement company, or a fund manager of a securities company.

A plurality of client terminals 200 can access the account integration management system 100 to request the registration of an account held together with membership registration and inquire the deposit and withdrawal history of the registered account. Accordingly, the integrated account management system 100 according to an embodiment of the present invention receives one or more account information from a plurality of client terminals 200, and when the deposit / withdrawal history is generated for the received account information, Lt; / RTI > At the time when the text message is received, the account integrated management system 100 accesses the corresponding financial institution server, scrapes the detailed deposit and withdrawal history information on the generated details, collects the result and automatically updates the database.

Accordingly, when a deposit / withdrawal history inquiry for an account registered from a plurality of client terminals 200 is requested, the account integration management system 100 can transmit the automatically updated deposit / withdrawal history to a plurality of clients 200 to provide real time information have.

On the other hand, before executing the scraping, the account integration management system 100 calculates, based on the account information input from the plurality of clients 200, that is, the account password (or authentication number) corresponding to each account number and one or more account numbers User authentication can be performed.

The integrated account management system 100 is configured as shown in FIGS. 2 and 3 below.

2, the account integration management system 100 includes a web server unit 110, a subscription management unit 120, a database 130, a matching unit 140, a scraping server unit 150, a scheduler management unit 160, , And a character receiver (170).

The web server unit 110, the subscription management unit 120, the database 130, the matching unit 140, the scraping server unit 150, and the scheduler management unit 160 functionally However, the present invention is not limited thereto, and may be implemented by including two or more components as necessary. For example, the web server unit 110, the subscription management unit 120, the database 130, the matching unit 140, the scraping server unit 150, and the scheduler management unit 160 may be implemented in one server.

The web server unit 110 is connected to a plurality of client terminals 200 through a network. The web server unit 110 provides a screen for registering a member and an account for providing an integrated account management service to a plurality of client terminals 200 connected to the web server unit 110, Can be provided. When there is an inquiry request from the deposit / withdrawal history inquiry screen, the web server unit 110 accesses the financial institution server 300 associated with the account registered by the client and requests the corresponding data, or requests the data from the scraping server unit 150 It can inquire the updated deposit / withdrawal history information and provide it to the client terminal 200.

The subscription management unit 120 receives a request for subscription to use a service from a plurality of client terminals 200 and receives a plurality of account information of a client input through the web server unit 110 from a screen for registering an account, Matching with the membership registration information. At this time, the plural account information of the client may include an account number for one or more financial institutions held by the client, a password of the corresponding account, or an authentication number.

In addition, the subscription management unit 120 can receive a receipt number from which a plurality of client terminals 200 can be notified of deposit and withdrawal details through subscription. In this case, the subscription management unit 120 allocates and sets the received reception number to the character receiver 170. The subscription management unit 120 can set the number of the mobile stations 170 in consideration of the specification of the character receiver 170, the number of the reception numbers that can be allocated to the character receiver 170, and the like. For example, if the number of reception numbers that can be accommodated per one character receiver 170 is 100, the number is not exceeded, and when two or more character receivers 170 are provided, each character receiver 170 As shown in FIG.

The character receiver 170 receives the deposit / withdrawal occurrence details of the plurality of accounts based on the receipt numbers of the clients registered in the subscription management unit 120 in a text message. That is, a receipt number to be notified of deposit and withdrawal history characters is set for an account for each client, and a text message is received based on the receipt number.

The character receiver 170 can directly receive a text message from each financial institution server 300, but can receive it in the form of a message according to the terminal format through a message server (e.g., SMSC).

In particular, the character receiver 170 in the present embodiment can be applied to a Mobile Internet Gateway (MIG) terminal that can subscribe to a mobile communication network and optimize a mobile Internet screen. However, the present invention is not limited thereto, and a personal portable terminal or a smart phone can be applied. In the latter case, a personal portable terminal, a smart phone, or the like may be provided as a dedicated terminal for receiving a text message so that the portable terminal is fixedly provided at a position where communication is possible, and the power source is always connected.

As shown in FIG. 3, the MIG terminal is a mobile communication modem capable of wirelessly interworking with various instruments and data sensing solutions. The MIG terminal can transmit and control remote data in real time through serial communication (RS232C), mobile communication (CDMA, etc.).

In the present embodiment, the MIG terminal performs a function of real-time receipt and payment details for a plurality of accounts to each client.

Meanwhile, the character receiver 170 according to the embodiment of the present invention can limit the number of receivable numbers that can be allocated according to the specifications of the terminal and the QoS (Quality of Service). In this case, one or more character receivers 170 may be included according to the number of assignable receivers.

The matching unit 140 reads the text message received by the character receiver 170 to acquire at least the account number or the financial institution information from the occurrence details included in the text message and stores the account information matched with the acquired information in the database 130 And transmits the extracted information to the scraping server unit 150. For example, the matching unit 140 can identify the account number by reading a text message and extract account information necessary for scraping such as a financial institution, an account password, etc. matching the account number from the database 130.

The scraping server unit 150 checks the account information received from the matching unit 140 at the time when the scrambling server 150 receives the generated details through the text receiver 170 as a text message and transmits the account information to the server 300 of the financial institution corresponding to the account information. And scrapping the deposit and withdrawal history with respect to the account. Then, the result is automatically updated to deposit and withdrawal history information of the database 130.

Accordingly, when the scraping server unit 150 according to the embodiment of the present invention is notified of the deposit / withdrawal occurrence details through the character receiver 170, the scraping server unit 150 requests the scraping operation to the corresponding financial institution server 300 at the time of being informed.

At the time of scraping, the scraping server unit 150 can scrape only the occurrence details received in the text message with respect to the plural account information of each client. Alternatively, it is possible to scrape all of the details from the time when the deposit / withdrawal history occurred to the time that occurred before the predetermined time.

In addition, the scraping server unit 150 performs user authentication by transmitting the account password transmitted from the matching unit 140 to the corresponding financial institution server 300. When the user authentication is successful, the scraping server unit 150 can collect deposit and withdrawal details for a plurality of accounts held by the client from the corresponding financial institution server 300.

Meanwhile, the scraping server unit 150 may include a plurality of processing modules for performing the scraping function, and may specify a financial institution server to which each processing module is connectable, thereby allowing the financial institution to quickly process multiple accounts . That is, when scraping of a plurality of accounts of a user is requested by receiving a character, a processing module capable of accessing a financial institution server corresponding to a plurality of accounts performs scraping. In this case, the scraping server unit 150 can perform multiple processing for each financial institution, thereby enhancing the performance of scraping.

Also, in the above-described context, the scraping server unit 150 can perform the multi-processing in software by implementing the virtual machine using the user session of the Microsoft Windows OS.

In addition, the scraping server unit 150 may perform scraping in conjunction with a scheduler previously set in the scheduler management unit 160, in addition to scraping by text reception. For example, the financial institution A sets a scheduler in units of 30 minutes, the financial institution B sets a scheduler in a cycle of one hour, accesses the corresponding financial institution server 300 every predetermined cycle, Can be performed. Such a configuration can compensate for missing characters.

Hereinafter, a method of managing using the text service in the account integration management system based on the above configuration will be described.

4 is a flowchart illustrating an account integration management method according to an embodiment of the present invention. Reference will be made with reference to the components in Fig.

First, in step S100, the account integration management system 100 receives a plurality of clients via the web server unit 110 and receives and registers at least one account information held by a plurality of clients together with membership. Registration can be performed in the subscription management unit 120 in the account integrated management system 100. [

Here, the one or more account information includes account information of a bank company, a securities company, an insurance company, etc., and the account information may include an account number, an account password according to the account number, or an authentication number.

Meanwhile, in the registration step, the subscription management unit 120 may input a reception number to which the account name and the account transaction history can be notified, and assign the received reception number to the character receiver 170 to perform the setting process.

Then, the account integration management system 100 sets a character service so that it can receive the deposit and withdrawal history notification character of the account based on the received number of the registered member.

In step S110, it is determined whether a text message is received by the character receiver 170 with respect to the plurality of account information registered by the integrated account management system 100. [ The text message may include the entire history of the deposit and withdrawal with respect to the registered account. Or only a simple occurrence such as the account information and the transaction amount can be included so that only the occurrence of the deposit and withdrawal of the registered account can be known.

If the text message is not received by the character receiver 170, the integrated account management system 100 may perform the previous operation or perform the standby state in step S120.

When the text message is received by the character receiver 170, the integrated account management system 100 recognizes that the deposit / withdrawal history has been generated for the plurality of accounts, reads the information included in the text message, State, deposit date, and financial institution. Specifically, the identification method includes acquiring account information or a financial institution from the information included in the text message and storing the account information acquired through inquiry of the database 130 or data matched with the financial institution (that is, a financial institution server, ). ≪ / RTI >

Thereafter, in step S140, the account integration management system 100 scrapes the deposit and withdrawal details in real time by accessing the corresponding financial institution server of the plurality of accounts in which the deposit and withdrawal details are generated through the scraping server unit 150. [

In the scraping process, the scrapping server unit 150 scrapes only the occurrence history received by the text message, or the entire receipt and withdrawal history occurred during the previous predetermined time from the time when the deposit and withdrawal history occurs including the occurrence history received in the text message Scrapping is possible.

In addition, in the scraping process, the scraping server unit 150 may perform scraping in conjunction with the scheduler previously set in the scheduler management unit 160, in addition to the point of time when the scraping server unit 150 receives the text message. For example, the scheduler may be set in a cycle of 30 minutes or 1 hour, and scrapping may be performed by connecting the service providing server to the financial institution server every predetermined period.

Thereafter, in step S150, the account integration management system 100 automatically updates the scraped result in the database in the scraping server unit 150. [ Then, the automatically updated deposit and withdrawal history can be transmitted to the client and informed.

The foregoing description is merely illustrative of the present invention, and various modifications may be made by those skilled in the art without departing from the spirit of the present invention. Accordingly, the embodiments disclosed in the specification of the present invention are not intended to limit the present invention. The scope of the present invention should be construed according to the following claims, and all the techniques within the scope of equivalents should be construed as being included in the scope of the present invention.

100: an account integration management system 200: a plurality of clients
300: Financial institution server 110: Web server unit
120: Subscription management unit 130: Database (DB)
140: matching unit 150: scraping server unit
160: Scheduler management unit 170: Character receiver

Claims (11)

A web server unit providing a screen for registering a member and registering an account to provide an integrated account management service and receiving account information held by one or more financial institutions from a client terminal on the screen;
A subscription management unit for registering the account information input through the web server unit in a database for each client; And
When a deposit and withdrawal history is generated for the account information registered in the subscription management unit, a text receiver
And an account integration management system.
The method according to claim 1,
The character receiver confirms the account information matching the occurrence details at the time of receiving the text message, accesses the financial institution server corresponding to the account information, scrapes the real-time deposit and withdrawal history of the account, And a scraping server unit
Further comprising the step of:
3. The method of claim 2,
The web server unit,
When the inquiry of the deposit / withdrawal history is requested from the screen, a deposit / withdrawal history information of the registered client terminal is provided, and the deposit / withdrawal details information automatically updated through the scraping server unit is inquired and provided from the database An integrated account management system.
3. The method of claim 2,
Acquiring the account number or financial institution information from the occurrence details included in the text message by reading the text message received by the text receiver, extracting account information matching the acquired information from the database, and delivering the extracted account information to the scraping server The matching unit
Further comprising the step of:
3. The method of claim 2,
The scraping server unit,
Scraping only the occurrence details received by the text message at the time of scraping or scrapping all of the deposit and withdrawal details occurring before the predetermined time from the occurrence of the occurrence details.
3. The method of claim 2,
The scraping server unit,
And accessing the financial institution server according to a predetermined scheduler other than a time point at which the receipt and withdrawal history is received through the text receiver by a text message, thereby performing scrapping.
The method according to claim 1,
The subscription management unit,
Wherein the receiver receives a receipt number from which the deposit and withdrawal history can be notified from the client terminal through membership registration, and assigns the received receipt number to the character receiver.
The method according to claim 1,
The character receiver
Wherein the mobile terminal is a Mobile Internet Gateway (MIG) terminal that receives a text message based on a client-specific reception number set by the subscription management unit in association with at least one financial institution server or a message server.
A method in a system for managing an account for one or more financial institutions,
The web server of the system providing a screen for registering a member and registering an account to provide an account integration management service and receiving account information held by the client from the screen;
Registering account information inputted by the subscription management unit of the system through the web server unit in a database for each client; And
When the text receiver of the system receives the deposit and withdrawal history from the account information registered in the subscription management unit, receiving the credit history from the financial institution side in a text message and recognizing deposit and withdrawal details in real time
And an account integration management method.
10. The method of claim 9,
The scraping server of the system checks the account information matching the occurrence details at the time of receiving the text message and accesses the financial institution server corresponding to the account information and scrapes the real time deposit information of the account ;
Automatically updating the scraped information of the scraping server of the system to the database
Further comprising the step of:
10. The method of claim 9,
In the step of registering the account information by the subscription management unit of the system,
Further comprising the step of the subscriber management unit receiving a receipt number from which the deposit and withdrawal history can be notified from the client terminal, and allocating and setting the received receipt number to the character receiver.

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