WO2006137692A1

WO2006137692A1 - Cyber financial business system and method, media for recording a program for performing the method, user innterface method therefor

Info

Publication number: WO2006137692A1
Application number: PCT/KR2006/002393
Authority: WO
Inventors: Kwang-Chul Kim
Original assignee: Kwang-Chul Kim
Priority date: 2005-06-21
Filing date: 2006-06-21
Publication date: 2006-12-28
Also published as: KR20060133653A

Abstract

A cyber financial business system and method that makes possible to carry e-commerce using the Internet and the user information needed for performing financial business, stores in a storing module, which is accessible to the Internet interface terminal, and is regarding to; cyber financial business system to perform e-commerce and financial business by using information stored in the storing module, financial business method to proceed a procedure, which is needed in e-commerce and financial business by using the system, a recording device storing a program to perform the financial business method, and an user interface method for cyber financial business to simply do financial business by connecting a storing module to an Internet accessible terminal with a built-in user interface program in the storing module is disclosed.

Description

[SPECIFICATION] [TITLE OF THE INVENTION]

CYBER FINANCIAL BUSINESS SYSTEM AND METHOD, MEDIA FOR RECORDING A PROGRAM FOR PERFORMING THE METHOD, USER INNTERFACE METHOD THEREFOR

[FIELD OF THE INVENTION]

The present invention relates to a cyber financial business system.

More particularly, the present invention relates to cyber financial business system that performs e-commerce and financial business using data stored in storing module that stores user information needed for performing e-commerce and financial business, is possible to carry and can be connected to an internet interface terminal, a method for financial business that proceeds a necessary procedure for e-commerce and financial business by using the mentioned system, a recording medium that stores a program for performing the method for financial business, and a method for the user interface for cyber financial business to do financial business simply connecting the storing module to an internet accessible terminal by having the user interface program built-in in the storing module that stores the necessary user information to perform financial business using internet.

[BACKGROUND ART OF THE INVENTION]

Recently, Internet became generalization and widely used, according to this fact, various web sites and contents are provided over the internet.

Therefore, in most cases, the internet users are using numbers of shopping-mall sites, community sites and e- financial business sites, and the user has to log-in to use the relevant site by inputting one' s ID and the password, or join as a member by inputting personal information and suchlike, or input delivery information or e-financial information. To join as a member of a specific site operated over the Internet, the user has troublesomeness to input a lot of personal information every time. And, the user has to memorize and input each log-in ID and the password of the sites to log-in the corresponding site that the user has joined. However, the user has its limits to memorize a great number of ID and the password one by one due to gradually increasing the number of using sites. As well as, the user has to input a lot of necessary information for an authentication process and transferring money from an account for cyber financial business, also has troublesomeness to progress the procedure referring in every case.

In the mean time, the user can use Internet for the use of the mentioned sites or cyber financial business at various places such as a work place, home or room for PC users, if needs be, people can log-in by inputting their personal information or perform financial business, at this time, there is a possibility to have a problem that the login information remains or the user information flows out by mistakes with administrative grounds.

Therefore, following methods are needed to be presented; a method for managing the personal information to use various mentioned sites provided over the Internet more easily and securely, and a method for using the personal information easily in cyber business such e-commerce or cyber financial business.

Also, the general cyber financial business demands the user to connect to a bank home-page, and to input a variety of cyber financial information on the web page for cyber financial business. However, the mentioned cyber financial business has a difficult operation method. Therefore, the user, who is unfamiliar with using Internet, does not understand the operation method, consequently, a phenomenon of giving up cyber financial business using Internet is occurred.

[DETAILED DESCRIPTION OF THE INVENTION]

Accordingly, the present invention has been made to solve the above-mentioned problem occurring in the prior art, and object of the present invention is to manage the user information, which is the log-in information, personal information, financial information, URL information that the user used in the site, etc., in a storing unit, and is to use the storing unit by easily connecting to an Internet accessible terminal.

Another object of the present invention is to manage the user information in the storing unit level as the storing unit, which stores the mentioned user information, manages breakdowns such as user log-in, e-commerce and cyber financial business under the condition that is connected to the mentioned Internet accessible terminal.

The other object of the present invention is to ensure security in use of the mentioned user information by limiting a storing range of user information, which is stored in the storing unit.

The other object of the present invention is to be conveniently used the stored user information for performing an automatic log-in, padding and authentication by interlocking the storing unit to e-commerce and cyber financial business.

The other object of the present invention is to ensure security by managing the user information in an electronic chip and to provide convenience for the use by connecting the electronic chip to a cable/wireless accessible

Internet interface terminal with USB port and suchlike.

The other object of the present invention is to store the user interface program, which is for the user information and financial business including the user log-in information, personal information, cyber financial information and URL information of the site that the user used, in the storing module, and to perform cyber financial business conveniently as the user interface program is automatically performed corresponding to connecting the storing module to the internet accessible terminal (internet terminal) .

In order to achieve the above object, cyber financial business system of the present invention performs financial business through the Internet, connects the Internet through a modem, has the Internet interface terminal that is browsing web pages operated over the mentioned Internet site by driving a browser; and the storing unit that stores the user information including financially related information at least, analyzes the browsed web pages, and has the storing module, which substitutes the stored information in the storing unit to variables included in the provided interface in the provided site for cyber e-financial business. In this point, the storing module analyzes out variables included in the provided interface in the site from analyzing the web site that the browser connected, and the storing module can be fully equipped with an analyzing module, which transmits data stored in the storing unit filing up with tags and variable information to a relevant server operating the web page; manager that controls a padding in a variable included in the interface of the stored data in the storing unit; history database, which stores a history of the transaction performed by the manager; and the storing unit that stores the user information including financially related information at least.

Cyber financial business system corresponding to the present invention performs financial business through the Internet, connects to the Internet through a modem, browsing a web page operated over the mentioned Internet site by driving a browser, analyzes the browsed web page, has the Internet interface terminal, which substitutes the stored information in the storing unit to variables included in the provided interface in the provided site for cyber e-financial business; and a storing module, which stores and provides the user information corresponding to an access of the Internet interface terminal by having the storing unit that stores the user information including financially related information at least .

Also, the method for cyber financial business of the present invention performs cyber financial business corresponding to a web page over the Internet by using the storing unit that has the user information including financially related information at least, and is advisable to be fully equipped with an analyzing stage browsing the web page; a stage that performs a fill-in by matching a part of the user information stored in the storing unit to variables, which is for the mentioned cyber financial business, if the manager is drove for performing the cyber financial business corresponding to the analyzed web page; a stage to complete the cyber financial business by transmitting the web page, which performed the fill-in, through the Internet after an encoding stage including an authentication at least.

As well, the method for cyber financial business of the present invention performs cyber financial business by using the storing unit having the user information including financially related information at least, and is advisable to be fully equipped with a stage to choose a function to perform cyber financial business; a stage to perform an authentication including an authentication regarding the use of the storing unit at least according to the function choice by using the user information stored in the storing unit; a stage that the interface is provided corresponding to the function stored in the storing unit in the condition that the authentication is completed; and a stage to obtain a result by performing cyber financial business through the Internet, if variables included in the interface are filled-in and the condition is confirmed by using the user information stored in the storing unit.

Also, the mentioned method is possibly to be embodied by storing a program for performing in a storing medium.

Also, the method for the interface of the present invention stores the user interface program, is possible to connect the storing module, the network to the storing module that the user information including financially related information for cyber financial business at the least; uses a system, which includes the Internet terminal browsing a financial business web site through a browser; analyzes out and operates the user interface program, which stored in the storing module of the Internet terminal, if the storing module is connected to the Internet terminal; analyzes out data corresponding to the user' s inputting among the financially related information stored in the storing module then displays on the Internet terminal; optionally performs an automatic fill-in by analyzing out the previously registered variable data in the storing module from variable items, which are included in the financially related information displayed on the Internet terminal; connects to a web site of the relevant bank in the Internet terminal by analyzing information of the dealing bank from the previously registered financial information in the storing module; and is to perform financial business by collectively transmitting the registered information by an automatic fill-in in the storing module and the previously registered user information to a web page of the mentioned bank.

[BRIEF DESCRIPTION OF THE DRAWINGS]

Fig. 1 is a block drawing illustrating an embodiment of which cyber financial business system of the present invention .

Fig. 2 is a block drawing illustrating another embodiment of which cyber financial business system of the present invention. Fig. 3 is a flow chart illustrating a method for log-in of the present invention.

Figs. 4a to 4c are embodiment drawings of the window, which is operated according to log-in. Fig. 5 is a flow chart illustrating a method of fill-in of the present invention.

Figs. 6a and 6b are embodiment drawings of the window, which is provided for drag-and-drop.

Fig. 7 is a flow chart illustrating financial business of the present invention.

Figs. 8a to 8h are embodiment drawings of the window, which is operated according to performing a method of Fig. 7.

Figs . 9a to 9c are embodiment drawings of the window for explaining another embodiment of a method for cyber financial business using a system of the present invention.

Fig. 10 is a block drawing for performing a method for the interface of the present invention.

Figs. 11a to lie are flow drawings regarding a performing action of a method for the user interface. Figs. 12a to 12r are embodiment drawings illustrating a method for the user interface.

[EXAMPLE OF THE INVENTION] Fig. 1 is a cyber financial business system of the present invention, illustrates a connected condition to the Internet (10) by on-line. A shopping-mall server (12), bank server (14), authentication server (16) and community server (18) is connected to the Internet. Of which, the shopping-mall server (12) has a function to shop specific goods for connected users through the Internet ( 10) , and includes log-in, e-commerce and function related to delivery. And, the bank server (14) provides a function for financial business of the user. And, the authentication server (16) performs an electronic authentication for a shopping-mall or bank business. And, the community server (18) provides contents for making a community between the users who use Internet, and has a necessary function such as log-in in this process .

The present invention is advisable to load a program for using the user information stored in the Internet interface terminal connected to the Internet (10) . And, the Internet interface terminal is classified into following cases; the case that has a modem(30) and a browser (28) as the first embodiment, the case that further has an analyzing module (26) and a manager (22) in the first embodiment as the second embodiment, and the case that further has a history database (24) in the second embodiment as the third embodiment. In a case of the first embodiment, as storing modules, the analyzing module (26), the manager (22), the history database (24) and storing unit (40) are connected to the Internet interface terminal; in a case of the second embodiment, as storing modules, the history database (24) and the storing unit (40) are connected to the Internet interface terminal; in a case of the third embodiment, as a storing module, the storing unit (40) is connected to the Internet interface terminal. The above-mentioned embodiments are chosen considering a memory capacity and a utility of the storing module according to the intention of the manufacturer.

At this point, the Internet interface terminal is composed with a personal computer that the user regularly uses for the Internet connection by an on-line, however, it can include all the devices such as a PDA or a cellular phone that are possible to connect to the Internet wirelessly. In other words, in the present invention, the Internet accessible Internet interface terminal can be used by not only an on-line but also wireless, in this case, the Internet interface terminal can be connected to the Internet (10) through the network of an on-line and wireless (32) like the Fig. 2. In the Figs. 1 and 2, the composition and the action of the present invention are same except for passing through the network of an on-line and wireless (32) . The Internet interface terminal is basically equipped with a modem (30) and a browser for a connection to Internet. At this point, the modem(30) has a function to perform a communication with the Internet (10) and includes a physical layer and the middle-wear. And, the browser (28) browses web pages, which are provided in each server (12, 14, 16, 18) connected to the Internet (10 ), through the modem(30), and performs a function to transmit information, which is demanded in the relevant web pages, through the modem(30). In other words, the browser (28) browses the web pages, and does an application tool role having a function to receive, input and transmit demanded information in the web pages.

And, the analyzing module (26) analyzes tag and variable information out by analyzing a web page of URL that the browser (28) connected, and fills up with data stored in the storing unit (40) set to the tag and variable information according to the control of the manager (22). At this point, the information filled up by the analyzing module (26) is transmitted to a specific server that operates a relevant site through the Internet (10) by the browser(28).

And, the manager (22) performs cyber financial business that logs in, fills up and mentioned later by using information, which is analyzed in the analyzing module (26) and stored in the storing unit (40). And, the history database (24) stores log-in performed in the manager (22) and the history information of financial business, and the storing unit (40) stores the user information forming an interface with the analyzing module (26) and the manager (22).

At this moment, the user information includes log-in information, personal information, financial information, URL information, the log-in information includes ID and the password for each site, the personal information includes user address, contact numbers, resident registration number and so on, the financial information includes bank account number and the relevant password, authentication numbers, the URL information includes information regarding the web site that the user visited. In the above matters, the storing module, which has a composition including the storing unit (40) at least according to the first, second and third embodiments, can be composed with a movable storing device using a smart card, a semiconductor memory chip, a hard disc or a compact disc, and can be formed utilizing a record of the data and all the playable memory.

Also, the mentioned storing module can have a limit on a method for a connection to the Internet interface terminal considering the included elements and the efficiency in use, however, it can be composed to be variously connected to a USB port, other series or parallel port or a wireless communication not contacting suchlike.

And, in a case that the storing unit (40) is embodied as a smart card, the storing unit (40) has a master file for providing a compatibility between the smart cards according to the technical standard, Internal Elementary- File (IEF), Dedicated FiIe(DF) for use of additional information, signature and encoding, and Elementary FiIe(EF) of the lower part of each DF.

At this point, the master file is the top authentication device that is needed for a data systematization using IEF, and IEF is a password file, which is used for performing an authentication of the master file. And, DF for signature has EF as a hierarchical structure for the user information, type information, a confidential key for signature use, an authentication for signature use, hash of a personal key for signature use; DF for encoding has EF as a hierarchical structure for the user information, type information, a confidential key for encoding use, an authentication for encoding use, hash of a personal key for encoding use; and DF for use of additional information is possible to have EF as a hierarchical structure for the user information, type information, a confidential key for additional use, an authentication for additional use, hash of a key for additional use.

The above mentioned each DF can be prescribed the size according to a memory map schedule and has an index code of each file. However, the additional information can be changeable according to the present invention. Therefore, the storing unit (40) of the present invention is advisable to fluidly store DF data, which exceeds the allotted memory capacity in the left memory space for utilizing more flexible memory by limited capacity.

And, in the case of an embodiment as a hard disc, the storing unit (40) is managed that the data is specified by a route, which includes a level name of a hard disc such as "level name of a hard discWProgram FilesWNPKWidentifier" and is advisable to have an identifier regarding the matter; in the case of an embodiment as a movable disc, it is advisable to have an identifier regarding the matter managing the data specified by a route, which includes a drive name such as "drive nameWNPKWidentifier"; in the case of an embodiment as a smart card, it is advisable to have an identifier regarding the matter managing the data specified by a route, which relates to a memory map. Especially, in the case of the smart card, the identifier is advisable that the available identifier of IEF as data link information and the identifier of DF are utilized, in this case, the manager (22) can be used for a confirmation of a chip authentication and a route when the identifier access with managing to the data link information as a chip access data. As the mentioned Figs. 1 and 2, it explains the action and effect according to the composition of examples of the present invention referring to Figs. 3 to 9, assumes the Internet interface terminal as a personal computer and the storing module of a chip form with a built-in smart card for explaining the action and effect of the examples of the present invention, and the Internet interface terminal and the storing module are explained assuming to have the composition of example 3.

And, the present invention is embodied for cyber financial business, however, it is possible that an automatic log-in function and fill-in function regarding a web-page are additionally embodied using the user information, and explains this matters referring to the attached drawings.

Referring to Fig. 3, the user drives the Internet interface terminal by connecting the storing module for cyber financial business, the manager (22) is driven thereafter.

If the user drives the browser (28) of the Internet interface terminal as the user would liked to connect the Internet (10) , the manager (22) related with the browser (28) drives (S12) a program (hereinafter "storing module program") for driving the storing unit (40). The analyzing module (26) is activated if the storing module program is driven.

The user operates web-searching by driving the browser (28), the browser (28) delivers URL information of activated windows and information of web pages to the analyzing module (26) in a process of web-searching, and the analyzing module (26) decides whether the tag and the variables related to log-in like Fig. 4a are included or not. As the tag and the variables related to log-in, objects (50, 52, 54) corresponding to "ID", "Password" and "login button" like Fig.4a are analyzed out by the analyzing module (26) .

If the analyzing module (26) decides on log-in windows, it decides (S18) whether it is a registered address in the storing unit (40) in previously analyzing.

If the present activated web page corresponds to the registered address in the storing unit (40) in previously analyzing, the manager (22) displays a log-in standing-by window (S20) like Fig. 4b by interlocking the analyzed result of analyzing module (26).

Whereafter, if the user clicks (S22) the log-in standing-by window, according to a control of the manager (22), the analyzing module (26) calls the log-in information connected to the relevant address from the storing unit (40), and substitutes for the relevant variables, then performs (S40) log-in, the manager (22) renews details of the log-in history in a history DB(24). If the user does not click the log-in standing-by window(56) and activates (S24 ) another window in a condition (S20) that the log-in standing-by window(56) is displayed, the displayed condition of the log-in standing-by window(56) is kept. Also, if it is not the registered address in previously analyzing in the S18 stage, the manager (22) stands (S26) by while the user is inputting the relevant ID and the password. If the user clicks log-in button (54) after inputting input details like Fig. 4c, according to the control of the manager (22), the analyzing module (26) confirms the relevant log-in information, that is ID, password and URL information, whether it stores in the storing unit (40) or not by using a separate object (58), and performs a log-in process (S40) according to the choice of the user after optionally storing the relevant information in URL DB (40).

As stated above, in the present invention, in a condition that the storing unit (40) is connected to the Internet interface terminal for cyber financial business, ID and the password needed for log-in and URL information of the logged-in web page are stored in the storing unit (40), in a case of doing log-in, it can perform an automatic log-in by utilizing the storing information. And, the history details related to log-in are managed in the history DB(24), and thus, it is possible to make reference when a further confirmation is needed.

Also, the present invention is possible to perform a fill-in like Fig. 5 for cyber financial business in the condition that the storing unit (40) is connected to the Internet interface terminal .

As stated above in Fig. 3, the manager is also driven in Fig. 5, if the user performs a web-searching by- driving the browser, the analyzing module (26) analyzes (S54) out addresses of windows activated in the browser. If the user wants a case that personal information or information related to finance is filled up in the activated web page, the manager is activated (S56) by the user.

The manager (22) manages the personal information classifying like Fig. 6a, and can manage the information related to finance classifying like Fig. 6b. The personal information and the information related to finance are read by the manager(22) stored in the storing unit(40). Referring to Fig. 6a, ID, a password, a resident number, the date of birth, name, e-mail, telephone, address and suchlike can be managed as personal information, referring to Fig. 6b, a card number, card expiration date, name of the owner of a bank account, resident number, password of an authorized authentication, bank account number, bank account password, transfer password, security code table and suchlike can be managed as information related to finance.

After activating the manager(22), if a fill-in is chosen (S58) by the user, the manager (22) delivers a value stored in the storing unit (40), and the analyzing module (26) fills (S60) up a variable, which is included in the activated window by the browser (28) with a value matching.

Whereafter, drag-and-drop windows like Fig. 6a and

Fig. 6b are activated (S62) . A value of the drag-and-drop windows is possible to be chosen (S64) drag-and drop according to the choice of the user, and the value, which the drag-and drop is chosen, is filled up in a relevant variable.

At this point, the drag-and-drop chooses a specific value by using a mouse and suchlike, then has a function to place in a relevant variable location by dragging, and is for an optionally fill-in different values that a variable is not matching in the step S60.

As the fill-in function is embodied, the present invention can be achieved a membership joining, inputting a delivery location of e-commerce, inputting information for e- approval and suchlike by utilizing storing data in the storing unit (40) in the condition that the storing unit (40) is connected to the Internet interface terminal for cyber financial business. In the mean time, the present invention can perform financial business by utilizing the user information stored in the storing unit (40) like Fig. 7.

Namely, the manager is driven (S70) as stated above, a web-searching is driven (S72) by driving the browser, an analyzing of a browser address is performed (S74 ), the user information stored in the storing unit (40) can be used for financial business in the condition that the manager is activated.

In the above mentioned web-searching process, a process to input information of delivery location and perform e-approval are performed after purchasing goods by connecting to a shopping-mall.

At this time, a window for inputting information of a delivery location, which is provided on web in a shopping- mall, is presented like Fig. 8a, variables for inputting personal information like a recipient name, address, and telephone number can be set up as an object (102) in a window where the information of delivery location is inputted, regarding to this object(102), the relevant value can be inputted by operating a fill-in function explained in Fig. 5.

And, after choosing a delivery location, a method for settlement is chosen.

The embodiment of the present invention analyzes out URL information of a shopping-mall and the included information by tag and variable value, bank account information of the relevant shopping-mall can be managed in advance in the storing unit (40) .

After inputting information of a delivery location, choose a deposit without a bankbook by checking a check box (104) of Fig. 8a, then click the "Next" button, and objects (108, 110, 112) such as "amount of deposit", "bank of settlement", "recipient" and "expected date of receipt" like

Fig. 8b. The user clicks a confirmation button (114) of settlement after choosing or inputting the relevant information, or clicks an alteration button (116) of a method for settlement. If the user clicks an alteration button (116) of a method for settlement, the stage returns to Fig. 8a.

In Fig. 8b, if the confirmation button (114) of settlement is clicked, a screen of settlement guide is provided in a shopping-mall like Fig. 8c, and a screen of order completion is activated like Fig. 8d when the confirmation button (118) is clicked. The screen of order completion includes an order number, purchaser and information of a delivery location.

If the user activates the manager (22) in this condition, a program window(200) like Fig. 8e is activated, and the user chooses (S78) a function of bank transfer, which is possible to provide to a menu(202). Performing (S80) the relevant function, which is an unexplained stage, means for performing another function provided to the menu (202) by the manager (22 ).

If the user chooses a function of bank transfer (202 ) of the menu (202), the manager (22) checks whether the user is possible to normally use the storing unit (40) by providing a confirmation window(204) of a password. If the user inputs normal password in the confirmation window (204) of a password, the manager (22) performs (S82 ) log-in by connecting to a specific bank (for example "AA Bank), which corresponds to a bank account that the user have.

The log-in includes a confirmation process of an authorized authentication like Fig. 8f, for this matter, the manager (22) provides windows, which include a checkbox (218 ) for choosing a storing location of an authorized authentication and an object (212) for inputting a password of an authorized authentication.

If the user chooses a smart-card for log-in, clicks a confirmation button (216) after inputting a password of an authorized authentication, the manager (22) stores (S83) history details corresponding to log-in in a history DB (24) and outputs a window(200), which inputs a contents of a bank transfer like Fig. 8g. At this moment, the manager (22) matches a client information (information of paying out) and deposit information with data stored in the storing unit (40).

Namely, the manager (22) automatically fills up the relevant variable area (220, 222, 224) with a bank name, account number and a password that the client registered in the client information, and fills up the relevant variable area (228, 230, 234) with a site address, a bank name and a deposit account of the presently activated windows in the deposit information.

At this point, the storing unit (40) has information of bank and accounts, which are analyzed in advance classified by sites, according to this matter, the relevant variable area (228, 230) is filled up with information of bank and accounts, which are connected to a site address of the presently activated windows, by control of the manager(22). The user inputs the amount of money in the condition that a window of Fig. 8g is activated, if the user clicks (S86) a confirmation button (232), it provides a window(200), which displays information regarding a transaction result of an account transfer like Fig. 8h. If the user wants a case to change the information filled in the window(200) of Fig. 8g, the user can click an alteration button(234), accordingly, an amendment is achieved (S88 ) corresponding to the user's arbitrary input. In the mean time, the present invention can performs financial business like Fig. 9. A tool (300) provided in the manager (22), which is presented as an example of Fig. 9, has a function connected to a button (302) for a chip bank, an automatic input and log-in. The automatic input and log-in fills up analyzed web pages with information stored in the storing unit (40) as mentioned above, or have a function to perform log-in corresponding to the web pages analyzed as log-in pages.

And, the chip bank is to perform financial business such as an account transfer, referring to a transaction breakdown, referring to balance and an on-line bankbook through the Internet (10) . In a case that financial business using the specific bank and the chip bank in advance is contracted for performing the chip bank, an interface for an account transfer from the own account of the relevant bank to the other account of that bank or the other bank, a transaction breakdown of the own account of the relevant bank, and the interface for referring balance and breakdown of bankbook ledger are needed to be stored in the storing unit (40), the manager (22) provides the interface stored in the storing unit (40) corresponding to a menu choice of the user for performing the chip bank, the variable value includes in the interface, which is provided to proceed a procedure, is filled by utilizing data registered in the storing unit (40), or a part of the variable value is set up to determine according to the user's choice or the history. The variable value of the interface for performing the relevant function is satisfyingly filled as stated above, in case that the user requests the following process; the manager (22) generates messages including necessary data for transfer and making reference in a bank server by performing a stage of final transfer request and reference request, then completes the relevant function by transmitting to the relevant bank server through Internet. Therefore, the whole process for performing an account transfer or various references by the user is possible to ensure security due to performing over the Internet interface terminal, and can ensure a convenience in use as the user information stored in the storing unit (40) is utilized as it is.

Concretely, the tool (300) like Fig. 9a is displayed on a screen of the Internet interface terminal by driving the manager (22), and the user can choose the chip bank function by clicking the relevant button (302) provided. As the button (302) for performing the chip bank, pop-up menu (304) can be set up to include plural menu for e- financial business such as an account transfer, referring a transaction breakdown, referring a balance and an on-line bankbook like Fig. 9b, the user can choose functions wanted among these menu, as mentioned above, the interface screen relevant to each menu is possible to be provided by interlocking between the Internet interface terminal and the storing unit (40), not connecting to the Internet, in a condition that is stored in advance in the storing unit (40).

If the user chooses an account transfer among the pop-up menu (304), the manager (22) provides a separate window (not illustrated) first, and check whether the user is a normal user by requesting to input a password, which is set up in advance, for use of the storing unit (40) . If the user inputs the password, the manager (22) confirms whether the password matches by referring to the storing unit (40).

If the user is approved to use the storing unit (40) normally, the manager (22) provides an interface screen (310) choosing an authorized authentication of Fig. 9c stored in the storing unit (40) . The user chooses an authentication location over the interface screen (310), and clicks a button to proceed the next stage by inputting the authentication password. If that happens, the manager (22) prepares for a password of an authorized authentication stored in the storing unit (40) and a password, which the user inputted, if the case is normal, it provides an interface (312 ) for inputting information of an account transfer like Fig. 9d. The interface of Fig. 9d is also called out from the storing unit (40) .

The user chooses or inputs the wanted contents corresponding to each variable displayed on the interface (312 ) of Fig. 9d, then clicks a button to proceed the next stage. If that happens, the manager refers a password of an account transfer and a security code number, which are stored in the storing unit (40), in a normal case, it provides an interface (314 ) for confirming information of final transfer like Fig. 9e . The interface (314 ) of Fig. 9e is also called out that is stored in the storing unit (40) .

If the user clicks a button for proceeding the next stage by checking contents displayed in Fig. 9e, the manager (22) creates a message for transmitting to the bank server by controlling the analyzing module (26), then transmits the message to the relevant bank server through the browser (28) and modem(30), and notifies of the result to the user by outputting the interface (316) , which informs the completion of an account transfer like Fig. 9f, on a screen of the Internet interface terminal. Also, the manager (22) stores the account transfer breakdown in the history DB (24). The interface (316) of Fig. 9f is also called out that is stored in the storing unit (40).

In the mean time, with a storing module storing the user information with a built-in user interface program like Figs. 10 to 12, the present invention is possible to be presented as an example doing financial business by connecting the storing module to an Internet accessible terminal . Fig. 9 is a composition view of a system for e- financial business for using the interface method, and illustrates the condition connected to the network (100) by a cable .

The network (100) is connected to a bank server (200), an authentication server(300) and an internet terminal ( 400) . At this point, the bank server (200) provides a function for financial business of the user. Also, the authentication server (300) performs an e-authentication for a bank transaction. In the mean time, the internet terminal (400) has an interface terminal for basically connecting to a storing module (500), and includes a modem ( 410 ) , an operating system(OS) (420) and a browser ( 430) . At this point, the modem (410) includes a physical level and a middle-wear as having a function to perform a communication with the network ( 100) . Also, the operating system(420) analyzes out and performs the user interface program stored in the storing module (500) when the storing module (500) is connected. And, the browser (430) browses web pages, and plays a role of an application tool, which has a function to receive, input and transmit information demanded in the web pages.

On the other side, an analyzing module (510) inside of the storing module (500) abstracts information of tags and variables by analyzing web pages of URL that the browser (430) connected, fills up the storing unit (540) with the stored data with the information of tags and variables according to a control of the manager (520) .

At this moment, the filled information by the analyzing module (510) is transmitted to the relevant site through the network(lOO) by the browser (430) .

And, the manager (520) performs log-in, fill-in and further details of e-financial business by using information analyzed in the analyzing module (510) and information stored in the storing unit (540).

Also, the history database (history DB) (530) stores log-in performed in the manager (520) or history information of e-financial business, the storing unit (540) stores the user information achieving an interface with the analyzing module(510) and the manager (520) .

At this point, the user information includes log-in information, personal information, financial information and

URL information, the log-in information includes ID and the password of each site, the personal information includes a user address, contact number, resident registration number and suchlike, the financial information includes a bank account number and the relevant password and authentication number, and the URL information includes information regarding web pages that the user visited.

Wherein the above mentioned matter, the storing module (500) having a composition including the storing unit (540) at least can be composed of movable storing devices using a smart card, semiconductor memory chip, hard disc and compact disc, and can be composed by utilizing all the memories, which are possible to record and play the data.

Also, considering a composition element included in the storing module (500) and an efficiency in use, the above mentioned storing module (500) is possible to have a limit on a method for connecting to the Internet terminal, however, it can composed variously connecting such as a USB port, series or parallel port or not contacting wireless communication and so on .

An interface method using the system of Fig. 10 is explained referring to Figs. 11 and 12.

Figs, lla to lie are flow views regarding a user interface method for cyber financial business of the present invention, and Figs. 12a to 12r are example views of the interface.

First, in the referring explanation of Figs. 10 to 12, the Internet terminal is assumed as a common personal computer, and the storing module is assumed as a USB memory stick having a USB interface terminal. As illustrated in Fig. lla, if the user connects (SlOl) the storing module (500) to an interface terminal of the Internet terminal (400) for performing e- financial business using Internet, the Internet terminal ( 400) perceives that the storing module (500) is connected to a USB interface terminal, and the manager (520) inside of the storing module (500) can be a possible condition to communicate with the operating system (420) by becoming a condition of wake-up.

Whereafter, the operating system (420) analyzes out and performs (S102, S103) a user interface program stored in the storing unit (540) during a communication with the manager (520) inside of the storing module (500). At this point, the user interface program stored in the storing unit (540) can be a file form of flash, JAVA scripter, and suchlike, and at this moment, the operating system(420) is advisable to support an applet, which is possible to perform the user interface program.

If the user interface program is performed, a user interface screen as illustrated in Fig. 12a is displayed(S104) on the Internet terminal (400) . In the early stage, the user has to register the user information and the password. Namely, if the user chooses (S105) the user registration, the manager (520) analyzes out a user registration screen (refer to Fig. 12b) stored in the storing unit (540) and displays (S106) on a screen of the Internet terminal (400) .

In a screen as illustrated in Fig. 12b, if the user inputs (S107) necessary information, the analyzing module (510) analyzes with classifying various information of the screen of the user registration, which is inputted by the user, by items of tags and variables, then stores the result in the storing unit (540), and the manager (520) renews and registers (S108) history information proving that the user performed the user registration process in a history database (530) . Therefore, the user can input own user information.

In the mean time, if the user chooses (S109) a password function in the initial screen of Fig. 12a for registering a password, the manager (520) analyzes out a password registration screen as illustrated in Fig. 12c from the storing unit (540) and transmits to the operating system(420), accordingly, the password registration screen is displayed (SIlO) on a screen of the Internet terminal ( 400) . If the user inputs (refer to Fig. 12d) (Sill) various passwords information on a screen like Fig. 12c, the analyzing module (510) analyzes the various information of a password input screen that the user inputted classifying by items of tags and variables, and stores the result in the storing unit (540), the manager (520) renews and registers (S112 ) history information proving that the user performed the password registration process in the history database (530) . Therefore, the user can register by renewing own password. At this point, the password includes various passwords in connection with e-financial business such as 'bankbook passwords' , 'account transfer passwords' , 'authorized authentication password' and 'security card numbers' and so on . On the other side, the user can check the balance regarding own registration account, which is registered in the user registration process. Namely, explaining with a reference of Fig. lie, if the user chooses (S113 ) a balance reference in the initial screen illustrated in Fig. 12a, the manager (520) analyzes out a screen-data (refer to Fig. 12e) of the balance reference stored in the storing unit (540) and displays on a screen of the Internet terminal (400) . At this moment, the analyzing module (510) analyzes tag information of a screen-data of the balance reference like Fig. 12e, analyzes out(S114) variable data stored in the storing unit (540) corresponding to the relevant tag information, and automatically fills up(S115) a input location of the relevant variable data with the variable data. Namely, the above mentioned explanation is applicable to the case that an automatic fill-in function to automatically fill up with passwords is set up by using the previously registered user information and the password information without any separate operation by the user in the present invention. However, in the present invention, the automatic fill-in function is advisable to be composed that the function can be altered to on/off condition according to the user's choice.

Whereafter, if the manager (520) transmits the bank password information inputted by the automatic fill-in function to the Internet terminal (400) , the browser (430) of the Internet terminal (400) connects (S116) to a web site of the relevant bank that the user previously registered, and logs in the relevant web site by using the user information and the password information that the user previously registered, then downloads (S118 ) a balance of the relevant bank account by collectively transmitting (S117) the user information. Therefore, the user can check (refer to Fig. 12f) own balance of a bank account by confirming an account balance page browsed by the browser (430) of the Internet terminal ( 400) . Also, the user can request for storing the relevant balance information as occasion demands, at this moment, the downloaded balance information is stored in the storing unit (540) according to the control of the manager (520) after changing to arbitrary file form(for example, 'excel file' etc.) by the operating system(420).

Also, the manager (520) registers a history that the user referred to a balance of the bank account and a history that the relevant balance information is stored as a file form in the history database (530) then renews.

In the mean time, in the case that the user chooses confirmation affairs of the Internet bankbook in the initial screen illustrated in Fig. 12a, the manager (520) analyzes out information of the transaction breakdown of the bankbook stored in the storing unit (540) and outputs on a screen (refer to Fig. 12g) . In this process, the contents displayed on a screen are only the contents stored in advance by the user' s choice, and means not displaying details transacted since the contents stored. Accordingly, in the case that the user wants to download information regarding a new transaction breakdown, the user chooses a reference button displayed on the information screen of the transaction breakdown. If that happens, the manager (520) analyzes out a screen for inputting a password of the previously registered bank account stored in the storing unit (540) and displays (refer to Fig. 12h) on the Internet terminal (400) . At this moment, as like the mentioned explanation, the analyzing module (510) analyzes tag information of a screen-data of a password input of a bank account, analyzes out a variable data stored in the storing unit (540) corresponding to the relevant tag information, then automatically fills up the input location of the relevant variable data with the variable data. Whereafter, if the user chooses a confirmation button, the manager (520) displays an input screen (refer to Fig. 12i) of a reference contents of a transaction breakdown on the screen of the Internet terminal (400) by analyzing out from the storing unit (540). At this point, an input spot of a resident registration number takes a form, which is automatically filled up with the variable data stored in the storing unit (540) after analyzing the tag information by the analyzing module (510) like the above explanation. And, the period for referring the transaction breakdown is excepted from the variable data for voluntarily choosing by the user. If the user inputs the period for referring the transaction breakdown, the manager (520) transmits the bank password information inputted by the automatic fill-in function, the resident registration information and the reference period information of the transaction breakdown that the user inputted to the Internet terminal (400) , the browser (430) of the Internet terminal (400) connects (refer to Fig. 12j) to the web site of the relevant bank that the user previously registered, then the user logs in the relevant web site by using the user information previously registered and the password information, and collectively transmits the user information, then downloads the transaction breakdown information of the relevant bank account related to the referring period assigned by the user (refer to Fig. 12k) (illustrated assuming that there is no more transaction breakdown to be renewed in this point) . Therefore, the user can confirm a transaction breakdown regarding own bank account by confirming a reference page of the transaction breakdown browsed by the browser (430) of the Internet terminal (400) . Also, a transaction breakdown information downloaded by the Internet terminal (400) is renewally registered in the storing unit (540) by the manager (520) and stored the history details in the history database (530 ) at the same time.

In the mean time, the user is possible to optionally perform transfer affairs, several bank transfer affairs and the other bank transfer affairs in the above mentioned initial screen. The main flow of the several bank transfer affairs and the other bank transfer affairs is same only a little changing in a process of further transfer affairs, and thus, transfer affairs should be explained as one example.

If the user chooses transfer affairs in the initial screen of Fig. 12a, the manager (520) displays (refer to Fig. 121) on the Internet terminal ( 400) by analyzing out a screen for inputting a password of the previously registered bank account stored in the storing unit (540). At this moment, same as the above explanation, the analyzing module (510) analyzes tag information of a password input screen-data of a bank account, and fills up the input location of the relevant variable data with the variable data after analyzing out the variable data stored in the storing unit (540) corresponding to the relevant tag information. Whereafter, if the user chooses a confirmation button, the manager (520) displays a screen (refer to Fig. 12m) for choosing a partner bank to remit. At this point, a button for choosing an account to frequently remit exists in Fig. 12m, information of the account to frequently remit is possible for the user to optionally input and register. If the user chooses a partner bank to remit, the manager (520) successively analyzes out a screen (refer to Fig. 12n) for inputting an account number of the partner bank and a screen (refer to Fig. 12o) to input a sum of money to be remitted from the storing unit (540), then displays on a screen of the Internet terminal (400) . At this moment, if the user inputs the account number of the partner bank and the sum of money to be remitted, this information is temporarily stored in the storing unit (540) and is transmitted to the Internet terminal (400) at the same time. The browser (430) of the Internet terminal (400) connects (refer to Fig. 12p) to a web site of the relevant bank that the user previously registered, and the user logs in the relevant web site by using the user information and password information previously registered, then collectively transmits the user information, information of the partner bank that the user registered and information of the sum of money to be remitted, and downloads information regarding the partner bank inputted by the user. At this moment, the information regarding the partner bank includes the name of the partner bank, account number of the partner bank, depositor name of the partner bank, sum of money to be remitted, service charge and suchlike illustrated in Fig. 3q. Whereafter, if the user inputs the confirmation button checking that the information regarding the partner bank has no problems, the manager (520) displays (refer to Fig. 12r) a window for inputting a password for an account transfer and a security card number on a screen of the Internet terminal (400) by analyzing out from the storing unit (540). At this moment, the analyzing module analyzes tag information related to the displayed screen, and automatically fills up with the variable data corresponding to the tag information according to the analyzing result by analyzing out from the storing unit (540).

In a condition that the automatic fill-in is performed, if the user inputs the confirmation button, all the information inputted is transmitted to a web page of the bank through the browser (430) , and then an account transfer is operated.

In the mean time, stocks and bond card affairs or receipt affairs of giro utilities link to be directly connected to a web page of the relevant bank or the stock company, and thus, it is composed to conveniently use the stocks and bond affairs or receipt affairs of giro utilities. At this moment, an inputting process of log-in and the user information regarding the web page of the relevant bank or stock company can provide convenience to the user by the automatic fill-in function of the variable data and a tag analysis by the analyzing module (510) .

[POSSIBILITY OF INDUSTRIAL APPLICABILITY] Consequently, in the present invention, security is ensured with the user information, which are log-in information, personal information, financial information and URL information of sites that the user used and suchlike, managed in the storing unit, and there is an effect to perform a log-in, fill-in and financial business by easily using Internet.

And, according to the present invention, the user information is managed to be limited in a storing unit level, it has an effect that a management efficiency of the user information is improved by managing log-in of the user, breakdowns of e-commerce, e-financial business and suchlike, and an effect to guarantee security.

Also, according to the present invention, performing an automatic log-in, fill-in and authentication is conveniently used by interlocking the user information stored in the storing unit with log-in, e-commerce and e-financial business, and the user information is managed in an electronic chip and suchlike using a smart card as a storing unit, then can obtain security, and convenience in use can be provided by connecting the electronic chip to the Internet interface terminal, which is Internet accessible by cable/wireless, by USB port and suchlike.

Also, the storing module stores the user information, which includes log-in information of the user, personal information, e-financial information and URL information of site that the user used, and a user interface program for financial business, and according to connecting the storing module to the Internet terminal by the user, the user can conveniently perform e-financial business by automatic operation of the user interface program and automatic fill-in of the user information that the user previously registered on the relevant inputting screen at the same time.

Claims

[WHAT IS CLAIMED IS]

1. Cyber financial business system for performing financial business through Internet, the cyber financial business system comprising: an Internet interface terminal browsing web pages operated in sites over the Internet by driving a browser and connecting to the Internet through a modem; and a storing module having a storing unit storing user information including financially related information at least, analyzing the browsed web pages, and substituting the stored information in the storing unit for variables included in a provided interface in the provided site for cyber e-financial business.

2. Cyber financial business system of claim 1, wherein the storing module includes, an analyzing module analyzing out variables included in the interface provided in the site by analyzing out web pages that the browser connected, and transmitting to the relevant server operating the web pages by filling up tag and variable information with data stored in the storing unit; a manager controlling a fill-in variables included in the interface with data stored in the storing unit; a history database storing a breakdown history performed by the manager; and a storing unit storing the user information including financially related information at least

3. Cyber financial business system for performing financial business through Internet, the cyber financial business system comprising; the internet interface terminal connecting to the

Internet through a modem, browsing the web pages operated in the site over the Internet by driving a browser, analyzing the browsed web pages, and substituting information stored in the storing unit in the variable included in the interface provided in the site for cyber e-financial business; and a storing module having the storing unit storing the user information including financially related information at least, storing and providing the user information, corresponding to an access of the Internet interface terminal .

4. Cyber financial business system of claim 1 or 3 : wherein the user information includes log-in information, personal information, financial information and URL information.

5. Cyber financial business system of claim 4: the financial information includes information related to cards, information related to deposits, supplement related to authorized authentication, information related to transfer and information related to security codes .

6. Cyber financial business system of claim 1 or 3 : the Internet interface terminal is composed of what is accessible to the Internet using more than one of cable or wireless at least.

7. Cyber financial business system of claim 3, the Internet interface terminal includes; an analyzing module analyzing out variables included in the interface provided in the site by analyzing the web pages that the browser connected, and filling up tags and variable information with data stored in the storing unit and transmitting the web pages to the relevant operating server; and a manager controlling a fill-in variables included in the interface of data stored in the storing unit

8. Cyber financial business system of claim 7: the Internet interface terminal has more history database storing a breakdown history performed by the manager .

9. Cyber financial business system of claim 1 or 3 : the storing module is composed of one of movable storing devices using smart card, semiconductor memory chip and hard disc or compact disc.

10. Cyber financial business system of claim 1 or 3 : the storing module has a composition, which is connected to the Internet interface terminal by a method of USB port, or series port, or parallel port, or not contacting wireless communication.

11. Cyber financial business system of claim 1 or 3 : the storing unit has dedicated files for signing use, encoding use and additional information use, which have separate identifiers, corresponding to an authorized access by an internal elementary file as a password file, master file performing an authentication using the internal elementary file and the master file.

12. Cyber financial business system of claim 11: the storing unit stores information over the capacity assigned in advance of the additional information in a left space of a memory map.

13. Cyber financial business system of claim 11: the Internet interface terminal of the storing unit is used for a chip authentication and a route confirmation when the identifiers access to data link information as managing .

14. Cyber financial business system of claim 1 or 3 : the storing unit transmitting data of the matched storing unit, as storing an interface for financial business assigned in advance, corresponding to the interface either of the storing module or the Internet interface terminal, to data for an approval of the financial business being included in the interface.

15. In a method for cyber financial business for performing e-financial business corresponding to the web pages over the Internet by using a storing unit having the user information including financially related information at least, the method for cyber financial business comprising : browsing and analyzing the web pages; performing fill-in by matching a part of the user information stored in the storing unit to variables for the e-financial business, if the manager is driven for performing the e-financial business corresponding to the analyzed web pages; completing the e-financial business by transmitting the web pages through the Internet that the fill-in is performed after passing an encoding stage including an authentication at least.

16. Cyber financial business system of claim 15: the e-financial business includes an account transfer at least.

17. In a method for cyber financial business for performing e-financial business by using a storing unit, which has the user information including financially related information at least, the method for cyber financial business : choosing a function for performing the e-financial business; performing an authentication including an authentication regarding the use of the storing unit at least by using the user information stored in the storing unit according to the choice of the above function; providing an interface corresponding to the function stored in the storing unit in the condition of the authentication completed; and filling up with variables included in the interface by using the user information stored in the storing unit and confirming the condition, then a stage to obtain a result by performing e-financial business through the Internet.

18. Cyber financial business system of claim 17: the interface providing that is stored in the storing unit for performing the above each stage.

19. Cyber financial business system of claim 17: the above functions have more than one at least among an account transfer, referring to a transaction breakdown, referring to the balance, or confirmation of an on-line bankbook ledger.

20. a medium storing a program for performing a method of claim 15 or 17.

21. In cyber financial business system, the system includes the storing module and an internet terminal, the storing module stores an user interface program and the user information is stored including financially related information for e-financial business at least, the storing module is possible to connect, and the internet terminal browsing financial business web sites through a browser and possible to connect to the network, the method for cyber financial business comprising: performing by analyzing out the user interface program stored in the storing module from the Internet terminal, if the storing module is connected to the Internet terminal; analyzing out information corresponding to the user input among the financially related information stored in the storing module and to display on the Internet terminal; optionally performing an automatic fill-in by analyzing out the registered variable data in the storing module from variable items included in the financially related information displayed in the Internet terminal; connecting to a web page of the relevant bank in the Internet terminal by analyzing out dealing bank information from the previously registered financial information in the storing module; and performing financial business by collectively transmitting the registered information by an automatic fill-in in the storing module and the previously registered user information to a web page of the bank.

22. Cyber financial business system of claim 21, the method further comprising: log-in information including ID and the password for logging in the bank web pages; personal information including the user address, contact number and resident registration number. financial information including a bank account number, password, authentication number and security number; and the user information that more than one information is included at least among URL information including URL address of web pages that the user visited.

23. Cyber financial business system of claim 21, the user interface program is: an application, which can support in an operating system of the Internet terminal.

24. Cyber financial business system of claim 21, the method further comprising: downloading a transaction breakdown by connecting to the previously registered dealing bank; and storing the downloaded transaction breakdown.

25. Cyber financial business system of claim 21, the method further comprising: storing and managing a history regarding various operation of the user by the user interface program.

26. Cyber financial business system of claim 21, the user interface program is: a user interface method for an executive program for performing more than one affair at least among balance reference affairs, reference affairs of a transaction breakdown, transfer affairs, several bank transfer affairs, or the other bank transfer affairs and cyber financial business including related information.

27. Cyber financial business system of claim 21, the user interface program is: choosing a bank for a receipt of giro utilities at least; connecting to web pages of the bank chosen in the above stage; performing log in by collectively transmitting the previously registered user information; and moving to the web pages for a receipt of giro utilities .