KR20000072653A - Method and system for personal financial planning over the internet - Google Patents

Abstract

PURPOSE: A system for managing personal assets is provided to capacitate integrated management of financial/non-financial personal assets through unified management of various system resources, to enable online fund transfers and transactions and the management of revenue/expense transaction data by storing and managing the financial transaction report as data without the user's input, to understand the personal financial asset changes in real time, to enhance the security and convenience of transactions by activating electronic fund transactions. CONSTITUTION: A system for managing personal assets is composed of execution, creation, and procession. The main server(130) and the client communication processor(150), which processes the socket communication with the client, executes the conversion processions such as the standard telegram analysis, host telegram organization, host telegram analysis, and standard telegram organization. The telegram processor(160) creates the data, the advance telegram processor(170) processes the telegram data in advance, and the user identification processor(180) identifies the user, creates and processes the security data. A data processor possesses the log processor(190) that processes the user's usage status. The host communication processor(200) processes the host telegrams conducted with the main server(130) and the banks.

Description

Personal asset management service system and method thereof {Method and system for personal financial planning over the internet}

The present invention relates to a personal asset management service system that includes personal financial assets such as cash or deposits and non-financial personal assets such as real estate. In particular, the present invention provides a real-time overview of changes in personal financial assets with high liquidity. It provides personal asset management service system and method to enable the transfer of funds and transactions, improve the safety and convenience of transactions by activating electronic financial transactions, and comprehensively manage non-financial assets such as real estate. will be.

Personal assets are owned in various forms, from highly liquid assets to fixed assets that cannot be quantified in real time.

The advanced information and communication technology enabled the management and evaluation of individual assets and the real-time trading of liquid assets, while increasing the liquidity of personal assets. Online transactions such as real-time payment transfer or settlement of expenses related to expenses and income in purchasing or selling goods or goods have been more active than offline.

In the financial sector, based on advanced information and communication technology, not only the movement and investment of funds, but also real-time transactions such as all financial and reverse banking are possible without time and place constraints, and various kinds of electronic money and new electronic financial services are provided. The direction is not just the movement of funds, loans and investments, but all forms of finance.

More specialized personal financial planning, investment analysis, personal asset portfolio, insurance design, financial services, etc., have been transformed into management-oriented services based on such information and communication technologies.

Therefore, any agency or service provider in charge of evaluating or designing an individual's assets, or service providers in the sector, can meet the demanding needs to manage the distributed individual's assets as integratedly and systematically as possible. In order to provide the service, we provide online service by establishing various interface technologies necessary for certification while operating data centers connected to related organizations and networks internally and externally to enable data tracking such as real-time transactions and inquiries and changes. Based on web application server technology, client server technology for financial business processing, internet application, web integrated server technology and financial network interface technology, various management and information provision methods are presented.

The types of services provided by financial institutions or service providers in relation to personal asset management and operation are limited to the followings.

(1) Providing quotes and index information on financial technology, types of financial assets and financial assets, especially in the securities sector.

(2) Provide information on sectors such as financial / economic portal site types, finance, stocks, insurance, real estate, distribution, and economy.

(3) Providing sectoral information such as financial asset portal site types, securities, finance, insurance, real estate and distribution and personal assets by individual sector.

(4) financial community types, financial information, financial CSM, and financial culturing.

Assets are not the purpose, but are an endless effort to promote wealth and promote wealth, because assets are equal to the value and possibility of owning or doing a lot of intangibles now and in the future. In addition to asset accumulation, the need for systematic management increases with the increase in asset size. In other words, there is an increase in the types of assets in the process of distributing assets, and accordingly, there is a need for an easier and simpler method of managing distributed assets.

Assets can be classified into liquid financial assets (real estate) and non-financial (real estate) assets such as cash or deposits. Among them, the management of non-financial assets is relatively simple. The reason is that the change in value does not occur in real time, but also in the form of trading. Most individuals who are not real estate professionals are involved in only a few real estate transactions during their lifetime.

But the management of financial assets is not as simple as non-financial assets. This is because the size and market value of the asset fluctuate in real time. In the case of investment-type assets, managing risk is more important. Forming a portfolio for risk management of assets has become a well-known method of managing risk.

Financial institutions that can deposit financial assets are specialized in banks, safes, cooperatives, securities firms, investment companies and insurance companies. Asset management also takes this expertise into account for asset allocation and investment.

Cash inflows and withdrawals, interest rates on investments, and changes in stock values lead to real-time changes in asset values. As a result, it is difficult to accurately and quickly determine the present value of liquidity assets that are spread across multiple institutions, and changing asset management also requires more specialized management.

Currently known asset management services are provided in the form of a website or a separately executable application, the type of which is as shown in FIG. 1, where the manual asset registration, manual input or partial automatic inquiry, and status data are provided. Functions such as analysis and asset planning are provided.

Figure 1 (a) is the application form, (b) is a website form.

In the case of the application form, the asset registration (S10) by the user input, the asset status (S20) by the user input, provides a status data based function by analysis and asset planning (S30).

In the case of a web site type, an asset registration (S40) by user input, an asset status (S50) according to an inquiry or a user input, and a status data based function by asset plan are provided (S60).

Regardless of the type of asset management service by application / website, the user must input information by type for personal asset analysis regardless of the type, and the current status data also relies on user input or provides a search function in the case of a website. However, the scope does not go beyond the limited form of general quotations.

As there are various types of institutions that provide asset types, it integrates web application server, client server for financial business processing, internet application, web integration server, and financial network interface system that connects these institutions in common. As a result, the system could not be supported, and as a result, only limited results and analysis of user input were provided. Therefore, rather than management of a wide range of financial assets, calculation and analysis through importing or presenting the assets and It was limited to functional asset management such as valuation, so there was a problem in that it could not provide a practical management function such as checking or recording the liquidity of the asset by listing the change of financial assets or grasping the liquidity of the asset.

Accordingly, an object of the present invention is to comprehensively manage financial / non-financial personal assets by integrating and operating resources such as a web application server, a client server for financial transaction processing, an internet application, a web integration server, and a financial network interface system. It is to provide a network service system that can be managed.

Another object of the present invention is to enable the transfer of funds and transactions online while allowing the real-time analysis of the changes in the liquidity of personal financial assets out of the various types of asset management provided for asset management. It is to provide financial network services.

Another object of the present invention is to provide a personal asset management service system and method for activating electronic financial transactions to improve the safety and convenience of transactions, and to comprehensively manage non-financial assets such as real estate.

Still another object of the present invention is to enable management of transaction records for asset fluctuation details and income / expenditure by storing and managing financial transaction results as data without user input on asset status.

A feature of the present invention for achieving these objectives is an Internet environment that can be connected to a wired or wireless data communication network, a service provider that operates a data center of a personal asset management network operation solution in the Internet environment, It consists of data centers and Internet users who can transmit data to access data networks or leased lines, and financial and information providers that are allowed to exchange financial transactions and financial information in real time through service providers' data centers. In a service system for managing personal assets through system resources, the asset management system is operated by a service provider for exchanging data by connecting a large number of institutions 1.2.3 ... Ns with Internet users through a dedicated line or the Internet. With a web server

A client whose software is supported by a service provider for accessing the web server through the Internet or a dedicated line, a common authentication server for restricting mediating data sharing between the client terminal and the web server via the Internet, the plurality of institutions and the web And a communication server for mediating data exchange between the server, a management program for driving and controlling the web server, and a database of specialized conversion information linked to the web server. Asset registration step that executes inquiry and automatic registration from an institution, asset status inquiry step that connects the relevant institutions to check the status of personal assets, and network operation solution operated by the relevant institution or service provider. Status of analysis data, import / expenditure data It provides a wealth management service by providing the semi-material and the data specialization standard and the professional conversion process in the registration and inquiry step.

1 is a general asset management service type,

(a) application form, (b) website form

Figure 2 is a block diagram of the data transmission between the Internet environment and institutions handling trust and receiving financing of personal assets in accordance with the present invention

3 is a block diagram of an asset management service provided in accordance with the present invention;

Figure 4 is a block diagram showing the basic system resources of the asset management system according to the present invention

5 is a detailed configuration diagram of a web server managed by a service provider;

6 is a management program according to the present invention

7 is a block diagram of a client according to the present invention.

8 is a block diagram of the asset management database required by the client of the present invention

9 is a block diagram of service transaction processing of the present invention.

10 is a block diagram showing a data and data exchange transaction processing procedure between a client, a web server, and an institution according to the present invention.

11 is a process flow diagram of FIG.

12 is a flowchart of the asset registration task of the present invention.

13 is a flowchart of the operation according to the asset inquiry of the present invention

14 is a flowchart illustrating automatic asset registration and inquiry according to the present invention.

* Description of the symbols for the main parts of the drawings *

10: Internet environment 20: Institution

30: Network operation solution 40: Service provider

50: Internet user 60: Real estate agency

70: Internet 80: Web server

110: management program 120: professional conversion information database

130: main server 140: server loader

150: client communication processing unit 160: professional processing unit

170: pre-professional processing unit 180: user authentication processing unit

190: user status log processing unit 200: host communication processing unit

210: client communication processing unit 220: calling unit

230: user status management unit 240: user statistics analysis unit

250: server process management unit 260: professional rule database management unit

270: environmental database management unit 270: notice / advertising management unit

290: Version Control 300: Communication Daemon

310: browser 320: the main application module

340: banking module 370: professional processing module

410: standard professional database

The basic technology of the personal asset management service according to the present invention is a technology for integrating and operating a web application server technology, a client server technology for financial business processing, an internet application, a web integrated server technology, and a financial network interface technology. It has the characteristics of household derivative channel, and investment and information service combination, and the differentiation is the existing method of accessing the server of home banking and corporate banking service provider by using internet individually and accessing the service through IP. Unlike the bank user, the bank provides the online service of the bank by accessing the service provider's site through the network operation solution access program installed in the computer system, and downloads data related to the individual bank transaction from the server of the network operation solution. Analyze and manage financial assets And so, here are the points that are contained in the various current assets. Form provides comprehensive information on finance by constructing client server environment that can analyze / manage various distributed financial assets / liabilities and income / expenditures and network operation solution that manages and processes them. This is the format.

FIG. 2 is a block diagram of data transmission between the Internet environment and organizations that handle trust and reception finance of personal assets (wired and wireless data communication network news channels and private information providers, etc.) according to the present invention. 10) to connect the service provider 40 operating the data center of the personal asset management network operation solution 30 in the Internet environment 10 and the data center of the service provider 40 by wired or wireless data communication network or a dedicated line. Internet users 50 using data centers and client terminals equipped with software capable of data transfer, banks 21, securities 22, mutual funds 23, insurance 24, news media 25, Provide financial and information that allows data exchange to exchange financial transactions and financial information with the financial planner 26 and the service provider 40 in real time. Pipe 20, the real estate agency 60 to provide real estate information to the service provider 40 side, the agency 20 and the real estate agency 60 and the service provider 40 to enable the real-time data transmission and reception It is.

3 is a block diagram of an asset management service provided according to the present invention, the asset registration step (S40) for executing an inquiry and automatic registration from the corresponding institution, and the asset status inquiry for querying the current status of individual assets by connecting the corresponding institution. In step (S50), through the network operation solution operated by the relevant institution or service provider 40 provides asset management services in the step (S60) to provide the status-based data, such as analysis data on the asset, income / expenditure data. .

Figure 4 is a block diagram showing the basic system resources of the asset management system according to the present invention, by connecting a number of institutions 1.2.3 ... N (60) and the Internet user 50 by a dedicated line or the Internet 70 A web server 80 operated by a service provider for exchanging data, a client terminal of an internet user whose software is supported by the service provider 40 for accessing the web server 80 via the internet or a dedicated line, and the internet. Through the common authentication server 90 to mediate the data sharing between the client terminal and the web server 80 through a limited number, and the data exchange between a number of institutions 1.2.3 ... N (60) and the web server (80) The communication server 100, the management program 110 for driving and controlling the web server 80, and the specialized conversion information database 120 linked to the web server 80 as basic system resources.

FIG. 5 is a detailed configuration diagram of the web server 80 managed by the service provider 40. The web server 80 includes a main server 130, a server loader 140, and a management program 110. As shown in FIG.

The main server 130 performs a conversion process between the client communication processing unit 150 for processing socket communication with the client, and standard professional host specialization such as standard professional analysis, host professional configuration, host professional analysis, standard professional configuration, and the like. Professional processing unit 160 for generating a, the pre-specialized processing unit 170 for processing the data in advance and the user authentication processing unit 180 for generating and processing the user confirmation and security data and the user status processing the user's use status The data processor includes a log processor 190, and a host communication processor 200 that processes transmission and reception of a host telegram with the main server 130 and processes a host telegram transmission and reception through communication with a bank.

The server loader 140 is interlocked with the main server 130 and comprises a client communication processing unit 210 for processing socket communication with the client and a calling unit 220 for starting processing (fork → exec) the main server 130. .

The management program 110, as shown in Figure 6, the user status management unit 230 for removing the current access status and error users for each bank, and user statistics for multi-dimensional statistical processing divided into bank, period, service An analysis unit 240, a server process management unit 250 that processes the start and end of the server process, and a bank-specific rule database management unit 260 that adds, modifies, deletes, and retrieves the tables necessary for full-text conversion. And, the environmental database management unit 270 that handles the addition, deletion, modification, and search of the environment database that is commonly applied to all banks, and notices / advertisements for executing the addition, modification, deletion, and search processing of notices and advertisements The item management unit 280 and a version control unit 290 for executing the addition, modification, deletion, search of the version table on the web server.

Various communication daemons 300 are operated on the web server 80.

7 is a client configuration diagram, which is connected to the main asset management main application module 320, the main asset management module 320, the built-in browser 310, each functional module (1.2.3 ... ( 330 and the banking module 340 that is responsible for professional communication with the server is connected, each functional module 1.2.3 ... (330) are user interfaces to access the user database 350 and to display on the screen It is composed of business logic corresponding to each function.

The banking module 340 is connected to the user database 350 and the accessory 360 to control the professional processing module 370 and the professional processing module 370 controlled by the controller 380. The communication module 390 and the security module 400 are configured to access the standard full text database 410 by the professional processing module 370 to generate a standard input full text.

And the loader 420 for connecting the personal asset management main application 320 to the web server 80 through the client communication processing unit in accordance with the execution of the browser (310).

The asset management database required by the client is divided into a common database 430 and a user-specific database 440 as shown in FIG. 8. The table is independent of user and user-specific tables that are stored and managed for each user. It is divided into common tables that store institution information, service information, asset type information, and so on.

Among the tables of the client, the user information table has a file structure encrypted with 128-bit SEED algorithm for the security of personal financial information. Each database is encrypted with a key generated for the password specified by the user.

The common database 430 stores and manages an asset type database 431 for managing and storing assets by type, and various institutions such as financial institutions, news media, financial information providers such as financial flags, and real estate organizations. The engine code database 432 includes a service database 433 for storing and managing items related to service contents provided by the service provider, and a full-text database 434 for managing and storing the data.

User-specific database 440,

An asset database 441 that manages various assets of an individual, a change history database 442 that stores data of changes and transactions of individual assets by real-time inquiry, an arbitrary schedule database 443, and An account book database 444 and an account book critical database 445 are separately provided for outputting assets, changes, transactions, and the like as a list.

9 is a block diagram of service transaction processing, which is a block diagram of continuous transaction processing on a web server which opens / closes a client communication processing unit and a communication processing unit on a web server by socket communication.

FIG. 10 is a block diagram showing a data and data exchange transaction processing procedure between a client, a web server, and an organization. FIG. 11 is a block diagram of the processing flow thereof.

The client executes a TCP / IP connection request to the server loader built in the web server 80 of the service provider 40 through the Internet network.

When the connection request (S501) is received to the web server 80, the web server sends a server ready standard message to the client and the client receives the standard full message to confirm the server (S502).

When the standard full text is received, the client sends a dictionary full text of the bank or institution code and the corresponding institution professional code to the web server (S503).

When the web server sends the server information including the version information the server has and the communication timeout with the client (S504), the client requests a file when the delivered version information is higher than the current version (S504). S505), the web server transmits the file to the client using the Z-modem (S506 to S507).

When the file transmission of the client is completed, the client transmits the authentication message to the web server as a standard message, ID and password information required for user authentication for each bank and institution (S508).

The web server transmits ID and password information necessary for user authentication for each bank to the host text message, and sends a text message to the financial institution through session management when a continuous transaction occurs (S509).

The financial institution sends an authentication response message corresponding to the transmitted authentication message to the web server (S510), and the web server receives a user authentication response message for each bank in the form of a host message and performs session management when a continuous transaction occurs. The authentication response message is transmitted to the client through the client, and the client receives user authentication information for each bank in a standard message form (S511).

The client transmits the information necessary for the service of the bank through a web server in a standard specialized form, and the service request may be repeatedly performed according to the service type of the bank (S512).

The web server transmits the service request message transmitted from the client to the financial institution in the form of a host specialized information for the service of the bank (S512). The financial institution sends the service response message to the web server and the web server transmits the service response message of the bank. Is received in the form of a host message, the client receives the service response message of the bank in the form of a standard message, and the client terminates the service by sending a termination message to the web server when the normal service is completed (S513 ~ 516).

The important points of the present invention will be described as follows.

(1) In the personal asset management system, the client and the web server are connected to the Internet, and the web server 80 is connected to each institution 50 via the Internet or a dedicated line. Therefore, the web server 80 provided by the service provider serves as an intermediary to connect clients and a number of institutions, and each institution serves to standardize the online customer service and the professional structure used therein. It stores and processes the personal asset information received from the user so that it can be effectively displayed to the user and provides the user with financial information provided from the institutions.

(2) Web server and client play server main module that is organized by organization by server loader and provide client version information.

The main module is mainly composed of communication processing unit and professional processing unit. The professional processing unit is responsible for converting 'standard message' used between client and web server into the special message for each institution based on the database of professional conversion rules for each bank.

The server manager is responsible for log management of transactions on the server and version management of clients. It is used only by administrators. Table 1 shows the processing contents of each configuration module of the server.

The client configuration is linked to the banking module, where the main module is responsible for specialized communication with the respective function DLLs and the server. The function DLLs consist of user interfaces that access and display the user database, and consist of business logic corresponding to each function. Banking module consists of professional processing module, communication module and security module, and accesses standard professional database to generate standard input text.

When a status inquiry request comes through a module that displays asset status in a function DLL, the main application delivers information about the service and asset information to be queried to the banking module. Based on this information, the professional processing module constructs a standard input full text to search the standard full text database and look up the asset. The result received after being sent to the server by the communication module is analyzed again by the specialized processing module of the banking module, and transmitted to the main application by the controller of the banking module and stored in the database.

(3) In data flow and transaction processing, when data flow is initiated by a client's connection request and the server's main module is called by a prior message, the actual service message is exchanged after user authentication to the institution. Finally, the termination message from the client terminates execution of the server's main module.

(4) Since standard specialized processing has a structure in which users and many organizations are connected, the server must control the data flow between both sides (users, institutions). In other words, when a client exchanges the full text of a promised structure with a client, it transfers the text of the text to the institution. The full text promised between the server and the client is the standard full text. It is divided into standard input messages sent from the standard full-text client to the server and vice versa. Each item consists of predefined tags, and there are attributes in the output message that determine the output method.

Table 1 shows the standard full-text processing according to the processing content for each server configuration module.

process Processing Contents Loader Client Communication Processing Unit Handle socket communication with clients Server caller Server startup process Professional Processing Department Conversion between Standard Professional Hosts Standard Expert Analysis / Host Expert Configuration / Host Expert Analysis / Standard Expert Configuration Client Communication Processing Unit Handle socket communication with clients System Communication Processing Unit Host Specialized Send / Receive with Bank Communication Daemon CommunicationDaemon (Communication Daemon) Server Communication Processing Unit Host professional send / receive with server Host Communication Processing Unit Host text transmission / reception through X.25 communication with bank Server Manager User Status Management Department View current connection status by bank and remove users User Statistics Analysis Department Multi-dimensional statistics processing by bank / period / service Server Process Management Department Server Process Startup / Shutdown Processing Bank Rules DB Management Department Add / Modify / Delete / Search Tables Required for Full-Text Conversion Environment DB Management Department Addition / deletion / search processing of environment DB that is applied to all banks Notice Advertising Department Add / Delete / Edit / Search Announcements / Ads Version control department Add / Modify / Delete / Search Version Table

(5) As for the conversion of the full text message, the server converts the standard input text received from the client to the full text for each organization and sends it to the institution, and converts the full text message received from the institution to the standard output text message to the client. do.

Full conversion table according to standard full conversion database configuration Table name Contents Input Standard Table Each service contains contents for analyzing the input standard. Input specialized code conversion table It describes the correspondence relationship for each service (standard professional code-host professional code). Input Host Table Each service contains contents for composing the input host message with the input standard message. Output Host Table Contains information for analyzing the output host text for each service. Output specialized code conversion table It describes the correspondence relationship for each service (Host Expert Code-Standard Expert Code). Output Standard Table Each service contains contents for configuring the output standard full text as the output host full text.

Here, the full conversion table exists for each bank and is used to convert the standard full text into a host specific text for each bank, and the search characteristics are larger than the change of the data. Therefore, the ISAM DB is used instead of the DBMS.

Input Standard Table (Schema) Example Input Standard Code Serial number per code Standard professional tag Inspection code Required Explanation Start at 1 and sort seamlessly Value in chk-code column of Check input DB 0: not required1: required Column name in-stdtel-code serial-num tag chk-code necessary-flag size 10 2 32 3 One sorting method L R L L L Key A A

Input specialized code conversion table (schema) example Input Standard Code Input Host Code Repeat type Explanation bottom loop-type 0: normal case 1: recurring standard full text <-> single host full text: multiple account transfers2 In other words, not all output host iterations are parsed. However, in every case, the input text must be generated. Column name in-stdtel-code in-hosttel-code loop-type size 10 50 One sorting method L L L Key A

Input host specialized table (schema) example Host Code Serial Number Field Format Default Input standard professional tag Encryption Explanation Start at 1 and sort tightly Rule Functions Can Come 0: Do not encrypt 1: Encrypt Column name in-hosttel-code serial-num field-id format defauilt-value tag crypto-flag size 32 2 10 10 20 50 One sorting method L R L L L L L Key A A

Example output host specialty table (schema) Host Code Input Standard Code Serial Number Field size Character to be removed Encryption Explanation * Do not check if it is. Start at 1 and sort tightly CODE on I / O field definition DB table Field IDs and rule functions that define / repeat the size of fields occupied in the output message can come. List subgroups of spaces to remove from the output. 0: Do not encrypt 1: Encrypt Column name out-hosttel-code in-stdtel-code serial-num field-id size rm-char crypto-flag size 32 10 2 10 50 20 One sorting method L L R L L L L Key A A A

Example output specialized code conversion table (schema) Output Host Code Input Standard Code Output Standard Code Explanation Do not check if * Rule function available Column name out-hosttel-code in-stdtel-code out-stdtel-code size 32 10 50 sorting method L L L Key One 2

Example output standard specialized table (schema) Standard Code Output Host Code Serial Number Standard professional tag Format Default Host Field Name / Rule Function argument header Explanation Special code to communicate with client Do not check if * Starting from 1, tightly Output field tags used in standard full text Content to send to client regardless of host field name Define host field names and define functions to change defined values Defining titles and data output formats when data is output from the server Record repeating titles of data with repetitions and guide shell size to output Column name out-stdtel-code out-hosttel-code serial-num tag format default-value field-id argument header size 10 32 2 32 10 64 50 200 200 sorting method L L R L L L L L L Key A A A

Examples of standard full text are shown in Table 9.

A Financial institution balance inquiry input standard full text <C0000001> 1001010001 </ C0000001> Professional Number <C0000002> 6 </ C0000002> Bank Code <C0000003> ***** </ C0000003> Home Banking ID <C0000004> **** </ C0000004> Home Banking password <C0000005> 20000722142209 </ C0000005> Date and time of transmission (system time) <C0000014> 1 </ C0000014> First page <A1000001> 52810201018 *** </ A1000001> Tracking account number <A1000002> **** </ A1000002> Tracking account password A Financial institution's balance inquiry output standard <C0000001> 2001010001 <C0000001> <C0000002 title = "Bank" type = "bankname"> 6 </ C0000002> <C0000003> grman </ c0000003> <C0000005 title = "Date of transfer" type = "date: YYYYMMDDHHNN"> 200007221418 </ C0000005> <B ******* type = "hipp: AAAAAA-AA-AAAAAA" title = "Withdrawal Account Number"> 52810201018 *** </ B *******> <B * ****** title = "Types of Deposit"> Deposit Savings </ B *******> <B ******* title = "Opening Store"> ○○○ <B *** ****> <B ******* title = "Deposit Note"> ○○○ <B *******> <B ******* title = "Total Balance" type = "money" unit = "KRW"> 1201 </ B *******> <B1010001 title = "Range Balance" type = "money" unit = "KRW"> 1201 </ B1010001>

The conversion of the full text is carried out in a standard balance analysis process, an input balance inquiry host full text string construction process, an output balance inquiry host text string analysis process, and an output balance inquiry standard text string construction process.

In addition to these standard specialized tables, there are announcement tables, advertisement tables, bank information tables, and version tables.

12 shows a flowchart of an asset registration task.

Start the asset registration (S601), select the asset type (S602), enter the basics (S603), depending on the online registration (604), if online registration is connected to the institution (S605), the inquiry begins (S606) Enter other items (S607), depending on whether or not to continue the registration of other assets (S608), if the registration continues to continue to enter the basics in the asset type selection (S603), otherwise complete the asset registration (S609) If not, the property is registered through the user input step (S610).

13 is a flowchart of another task of the asset inquiry.

Start the inquiry (S701) and connect to the server (S702) is connected to the appropriate institution (S703), according to whether the user authentication is successful (S704) to configure the request data (S705), depending on whether the user needs additional input (S706) ) If necessary, go through the user input step (S707) and if the input is not necessary immediately configure the request data (S708) and transmits to the server (S709).

Receive the data sent to the server (S710), and if necessary according to the next full text (S711) if necessary configure the request data again (S705), if not needed to save the data (S712) and start the next asset inquiry (S713) .

In the next asset inquiry step (S714), depending on whether there is the next asset (S715), if the inquiry is started (S716), if not, the inquiry is terminated (S717).

14 shows a flowchart of asset automatic registration and inquiry.

Start asset registration (S801), select the asset type (S802), enter and select the institution information (S803), depending on whether auto-registration is possible (S804), if auto-registration is possible, is the institution connection information entered (S805) If the institution connection information is entered by the (S806), the registration information is inquired (S806), the property is available for online inquiry (S807) through the status inquiry (S808) and stored in the database to complete the asset registration (S809 ~ S810) .

If it is not possible to automatically register (S811) through the user manual registration is an asset that can be viewed online (S807) to enter the status query (S808).

If the institution connection information is not entered in step S805 (S812) by entering the connection information to query the registration information (S806).

In the case of assets that are not available for online retrieval, the retrieval is performed through the manual input step (S813) and the retrieval result is stored in a database.

One type of asset management history and statistical processing list that can be obtained by user input and inquiry is as shown in Table 10 and Table 11. In addition, various processing results and lists can be obtained.

Asset Management History / Statistics List Asset Type Content of inquiry Deposit General Deposit * Payable balance *, ledger balance, withdrawal history (case) Deposit * Deposit amount *, contract date, maturity date, deposit amount, payment date of each member, overdue status, interest rate, total payments, current payments, payment history (by case), etc. Deferred deposit Cancellation fee *, period of use, details of use (by case), etc. Foreign currency deposit * Balance *, currency, exchange rate, deposit and withdrawal (case) Card * Monthly payment amount *, period of use, history of use (by case), etc. stock * Current price *, event details, comprehensive quotes, transaction information (by case), etc. insurance Cancellation fee *, insurance fee, payment date of each member, payment amount, details of payment (cases), etc. real estate * Current price * fan Agency debt * Loan Amount *, Total Loan Amount, Monthly Repayment Date, Monthly Repayment Amount, Total Repayment Count, Contract Date, Expiry Date, Repayment Details (by Case), etc. Other liabilities * Debt Remaining Amount *, Total Debt, Repayment Amount, Contract Date, Repayment Due Date, Repayment History (by Case), etc. Etc Cash and other assets Unviewable (offline management)

Common inquiry contents are inquiry date and time, and '*-*' in each asset type are values used for calculation of total assets and total liabilities.

Asset Type Asset Valuation Item Personality Deposit (1) balance balance Cash equivalents Cancellation Refund Amount Cancellation Refund Amount Savings assets Cancellation Refund Amount Cancellation Refund Amount Savings assets Balance (current exchange rate applied) Balance (current exchange rate applied) Cash equivalents Card (2) Current monthly payment Debt Asset (Credit Expenditure) Shares (3) Present price × amount Investment assets Insurance (4) Cancellation Refund Amount Savings assets Real Estate (5) Current price real estate Debt (6) Repayment amount remaining Repayment amount remaining Debt Asset (Institutional Asset) Repayment amount remaining Repayment amount remaining Debt Assets (Other Assets) Other (7) Balance (evaluation amount) Balance (evaluation amount) Cash equivalents

The network operation solution of the present invention is an internet banking, a web service transaction server solution, a personal financial asset management solution, a personal computer banking server solution, a communication utility for personal computer banking, and the like.

Its main functions are financial asset management, online financial transactions, and financial asset planning.

(1) The financial asset management function reports and analyzes the status of assets currently held by users (bank accounts, credit cards, stocks, beneficiary certificates and mutual funds of investment trusts, insurance, pensions, real estate, cash, etc.). Provide the function.

(2) The online financial transaction function enables online banking, online payment, online trading, online credit function not only to perform transactions online with real banks, securities companies and credit card companies, but also to process billing online. To provide.

(3) The financial asset planning function consists of operation and preparation and financial function, and provides analysis data by recording income and expenses in operation and preparation, which is in charge of the household accounting function that manages individual cash flow. This allows simulation to plan for saving funds for future expenditures. In addition, Jae Tech provides a variety of up-to-date financial information necessary for the management of financial assets for Jae Tech, divided into investment and real estate sectors.

In addition to the main functions, the functions that can be supported include simple user configuration or communication configuration to solve repetitive input of numbers and characters in order to process real-time transactions online, and to output various data and data compatibility of other software. This can be supported freely.

Therefore, it can provide easy and convenient environment, integrated management of accounts by financial institutions, bank account management at a glance, easy balance / history inquiry, convenient and safe account transfer, various analysis and statistical data provision, result report, credit Benefit from card services, reservation and calendaring, multi-user support, CMS, and more.

Assets selected for main management in the present invention are financial assets. Financial assets are entrusted and managed by specific institutions and include cash and liabilities.

The selected and classified assets are classified into cash, savings, investments, other assets, and liabilities according to the nature of the assets and are shown to the user as another statistic.

Debt assets are classified into institutional liabilities, credit expenditures and other liabilities.

Accounts are classified into general deposits, reserves, deposit deposits, foreign currency deposits, etc.In the case of general deposits, the current balance, reserve deposits and deferred deposits are the cancellation refund amount, and foreign currency deposits are the account balance calculated by the current exchange rate. . It also manages loan deposits as a detailed category of debt assets. Loan deposits use the remaining repayment amount as an asset valuation item. In the case of accumulated, accumulated, and loaned deposits, it also provides a schedule management function to search the balance status of the designated withdrawal account among monthly automatic transfer date and general account and inform the user. The deposit and withdrawal of each account is also managed by asset changes.

Credit cards are subject to the management of general credit cards. The settlement amount for the month is an asset valuation item and is included in the credit report, which is a subdivision of the debt asset. The card usage history inquired by registered cards is managed as asset change history.

Stocks are managed in stock units owned by the user. Each item is linked to the trading securities company account for automatic registration, transaction inquiry, and current price valuation. The asset valuation item is the valuation amount calculated by the current price and the quantity held. It manages all transaction changes in the stock market such as cash buy / sell, credit buy, capital increase, potato, and par value split. In addition to the current price, the current price, yield fluctuation, and simulation investment function are provided by the purchase price of each item.

The insurance is managed by subscription products that are inquired by the insurance company that the user deals with, and the asset valuation item is a cancellation refund amount, not an accumulation amount.

In addition, you can search the types of registered insurance and the insurance subjects indicated in the terms and conditions. In the case of automatic payment of premiums, the balance of the withdrawal account and the schedule of payment date are managed.

The benefit is not considered an asset valuation item.

In real estate, the value of inquiring the current price of the real estate owned by the user is an asset valuation item, and the change history is not managed. Only changes in prices are recorded.

Of the debt, institutional debt is the same as a loan account, and other liabilities, cash and other assets are managed by current status and changes recorded by the employer.

The asset valuation item is the current price. In the present invention, as shown in Figs. 12 to 15, the asset is connected to the relevant institution and inquired. When connected to a single institution, two or more assets can be automatically registered, and assets that are not automatically registered are stored in the database through user input.

The present invention is automatically registered / inquired / renewed by receiving the data from the relevant institution of each asset from the user asset registration process to the status inquiry process, the entire asset change history, major income / expenditure / history based on the stored personal asset information It provides personal asset management system that can extract the back, and through this, it is possible to comprehensively manage personal assets, such as the type and balance of the account opened by a specific financial institution, inquiry of transaction records or transfer of funds.

This improves the disadvantage of handling only one agency at a time.

As such, the present invention can comprehensively manage financial / non-financial personal assets by operating resources such as web application server, client server for financial business processing, internet application, web integration server, and financial network interface system. It is effective in making it possible to transfer funds and trade online, while realizing the change in real time on the liquidity of personal financial assets. Works,

It is effective in activating electronic financial transactions to improve the safety and convenience of transactions and to comprehensively manage non-financial assets such as real estate.

In addition, by managing and storing financial transaction results as data without user input on asset status, it is possible to manage transaction records of asset fluctuation details and income / expenditure.

Claims (16)

A service provider operating a data center of a personal asset management network operation solution in an internet environment accessible through a wired or wireless data communication network, Allows data exchange to exchange financial transactions and financial information in real time with the data center and Internet users who can transmit data to the service provider's data center through wired or wireless data communication networks or private lines. In the service system for managing personal assets through system resources consisting of financial and information providing institutions, The asset management system, A web server operated by a service provider for exchanging data by connecting a number of institutions 1.2.3 ... Ns and Internet users to a dedicated line or the Internet; A client whose software is supported by a service provider to access the web server via the Internet or a dedicated line; A common authentication server for restricting and mediating data sharing between a client terminal and a web server through the Internet; A communication server for mediating data exchange between the plurality of institutions and a web server; A management program for running and controlling the web server; Personal asset management service system comprising a specialized conversion information database linked to the web server. The method of claim 1, The web server is a personal asset management service system comprising a main server, a server loader and a management program. The method of claim 1, The main server may include a client communication processing unit for processing socket communication with a client, a special processing unit for performing data conversion processing between standard professional hosts, such as standard professional analysis, host professional configuration, host professional analysis, standard professional configuration, and the like, and generating data; A data processing unit including a pre-specialization processing unit for processing the full text of the data in advance, a user authentication processing unit for generating and processing user confirmation and security data, and a user status log processing unit for processing the use status of the user; Personal asset management service system comprising a host communication processing unit for processing the transmission and reception for the host telegram with the main server and the host telegram transmission and reception through communication with the bank. The method of claim 1, The server loader is connected to the main server and the client communication processing unit for processing socket communication with the client, Personal asset management service system comprising a caller for starting the main server (fork → exec). The method of claim 1, The management program, the user status management unit for removing the current user status and error users by institution (bank), A user statistics analysis unit which processes the data in multiple dimensions by dividing the data by institution (bank) / period / service, A server process management unit which handles starting and ending of the server process of the web server, A specialized rule database management unit for each bank that adds, modifies, deletes, and retrieves the tables necessary for data conversion; An environmental database management unit that handles the addition, deletion, modification and search of environmental databases that are common to all institutions (banks); Announcement / advertisement management unit for executing the addition, modification, deletion, search processing of announcements and advertisements, Personal asset management service system comprising a version control unit for executing the addition, modification, deletion, search of the version table on the web server. The method of claim 1, The client, the personal asset management main application module with a built-in browser, It is connected to the main application module is connected to the banking module that is responsible for the professional communication with each functional module 1.2.3 ... server, Each of the function modules 1.2.3 ... is composed of user interfaces that access and display a user database, and personal asset management service system, characterized in that composed of the business logic corresponding to each function. The method according to claim 1 or 6, The banking module includes a controller connected to a user database and accessories to control a specialized processing module; Consists of the professional processing module, communication module, security module controlled by the controller and configured to access the standard professional database by the professional processing module to generate a standard input full text, And a loader for connecting the main application to a web server through a client communication processing unit according to execution of a browser. The method according to claim 1 or 6, The asset management database required by the client is divided into a common database and a user-specific database, and the table is stored in a user-specific table that is stored and managed for each user, and institutional information, service information, and asset type information that are not related to the user. Personal asset management service system, characterized in that divided into common tables. The method of claim 8, The common database includes: an asset type database for managing and storing assets by type; An institution code database that codes and stores various institutions such as financial institutions, news media, financial information providers, real estate institutions, etc., A service database for storing and managing items related to the service contents provided by the service provider; Personal asset management service system comprising a specialized database for managing and storing the full text of the data. The method of claim 8, The user-specific database, asset database for managing a variety of personal assets, and A change history database and a schedule schedule database for data-changing and storing the change history or transaction history of personal assets by real-time inquiry; A personal property management service system comprising a household account book database and a household account book database for outputting individual assets, changes in history, and transaction details as a list. Asset registration step of executing inquiry and automatic registration from the relevant institution connected with the service provider, An asset status inquiry step of inquiring the status of personal assets by connecting the corresponding institutions; Providing status-based data such as analysis data and income / expenditure data on assets through a network operation solution operated by the relevant institution or service provider; Personal asset management service method, characterized in that to provide the asset management service by performing the data professional standard and specialized conversion processing in the registration and inquiry step. The method of claim 11, The full conversion sequence is performed by the daily balance inquiry standard full text analysis process, input balance inquiry host full text string construction process, output balance inquiry host full text string analysis process, output balance inquiry standard full text string construction process Personal Asset Management Service Method. The method of claim 11, The asset registration step, Start the asset registration, select the asset type, enter the basics, and if online registration, if connected to the relevant institution, Inquiry starts through the above steps and inputs other items, depending on whether or not to continue to register other assets, if the registration continues, proceed with the basic input in the asset type selection again, or complete the asset registration, if the user is not online registration Personal asset management service method comprising the step of registering the asset through the input. The method of claim 11, The asset status inquiry step, When the inquiry is started and connected to the server, it is connected to the relevant institution, and the request data is configured according to the user authentication success. If necessary, the user goes through the user input step. Configure and send it to the server, Receiving the data sent to the server in the above step, and if necessary to construct the request data again, if necessary, save the data and start the next asset inquiry if necessary; In the next asset inquiry step, if there is a next asset, the personal asset management service method comprising the step of starting the inquiry if there is, and ending the inquiry if not The method according to claim 13 or 14, Asset auto-registration and inquiry steps Start asset registration, select asset type, enter and select the institution information, and if the automatic registration is possible depending on whether automatic registration is possible, if the institution connection information is entered by the institution connection information is entered, the registration information is inquired and online. Completion of the asset registration by going through the status inquiry by the authorization of the asset that can be viewed and storing it in the database, If the automatic registration is not possible in the above step, the user enters into the current status inquiry by checking whether the asset is available for online inquiry through manual registration; In the above step, if the institution connection information is not entered, the connection information is entered to search for registration information. If the asset is not available for online inquiry, the status information is entered through the manual entry step and the result is stored in a database. Personal asset management service method, characterized in that made. The method of claim 11, The transaction between the client, server and the institution may include the steps of the client executing a TCP / IP connection request to a server loader built on the service provider's web server via the Internet network, In the above step, when a request for access to the web server is received, the web server sends a server ready standard message to the client, and the client receives the standard message to check the server; When the standard message is received, the client sends a bank or institution code and a dictionary of the institution code to the web server. In the above step, if the web server sends the server information including the version information of the server and the communication timeout with the client, the client requests a file if the delivered version information is higher than the current version. The web server sends a file to the client using a Z-modem, When the file transmission of the client is completed in the above step, the client transmits the authentication message to the web server in the standard full text ID and password information required for user authentication by banks and institutions, In the above step, the web server transmits the ID and password information necessary for user authentication for each bank to the host text message, and transmits the text message to the financial institution through session management when a continuous transaction occurs; In the above step, the financial institution sends an authentication response message corresponding to the transmitted authentication message to the web server, and the web server receives a user authentication response message for each bank in the form of a host message, and performs session management when a continuous transaction occurs. Sending an authentication response message to the client through the client, the client receives the user authentication information for each bank in the standard form; In this step, the client delivers the information necessary for the service of the bank through a web server in a standard full-text form, and the service request is repeatedly performed according to the service type of the bank. Transmitting the information necessary for the service to the financial institution in the form of a host specialized; After the completion of the step, the financial institution sends the service response message to the web server, the web server receives the bank's service response message in the host message form, the client receives the bank's service response message in the standard message form, and the client receives the normal service. Is completed, sending a termination message to the web server, comprising the steps of terminating the service.