KR20020008502A - One-stop integral finance service system and method - Google Patents

Abstract

The present invention relates to a one-stop integrated financial services system and method using all Internet financial services using one ID and password.

The one-stop integrated financial service method according to the present invention comprises the steps of: (a) requesting an ID / password registration and certificate to an operator server through which a customer can register and receive integrated financial services using a customer computer; (b) storing the customer information in the database of the operator server and requesting the ID and password to the certification authority server for authentication; (c) checking the requested certificate and notifying a financial institution, and transmitting the certificate to an operator server; (d) confirming the ID, password, and certificate of the customer and notifying the customer; (e) requesting predetermined services and information desired by a customer through an operator server using the ID and password; And (f) receiving the predetermined service and information desired by the customer.

According to the present invention, personalized customer service 1: 1 interactive marketing and consulting, real-time customer needs and immediate response, interest community of the user power leads to buyer-oriented commerce, revenue for transactions Integrated mileage management will return share shares or various incentives.

Description

One-stop integral finance service system and method}

The present invention relates to internet banking, and more particularly, to an integrated financial service system and method using one ID and password.

For all electronic banking using terminals such as Internet banking using the Internet, conventional PC banking, firm banking, telebanking, and Web ATMs that connect future automation devices to the Internet, users must apply separately for each financial institution. It is inconvenient to manage numerous numbers such as creation, site address verification, user password, personal ID, PIN, TAN (transaction number), password, and even account number.

Current financial institutions that provide internet banking, cyber trading (securities trading), and cyber insurance have to be connected and issued a certificate. Therefore, it is very time-consuming and very inconvenient when a user deals with multiple financial institutions. . And since the service information is provided unilaterally by the provider, the ?? dance service that meets the user's demand cannot be delivered. Therefore, it is difficult for users to select optimized products due to lack of time and expertise because users need to access each financial institution that meets their needs and search, find, compare and determine products and services directly.

In particular, Internet banking is currently heavily focused on the Internet users (predictors) in their 20s and early 30s. Therefore, it is absolutely necessary to have a site that maximizes the convenience of users so that middle-aged and middle-aged people who are the leading players of the real economy and the practical purchasing class can purchase using the Internet banking, utility bills and various electronic commerce.

The technical problem to be achieved by the present invention is a one-stop integrated financial service system that uses all the Internet financial services using a single ID and password for the user's convenience so that they can purchase using Internet banking, utility bills and various electronic commerce And providing a method.

1 illustrates a configuration of a one-stop integrated financial service system according to the present invention.

Figure 2 illustrates the flow of a one-stop integrated financial service according to the present invention.

One-stop integrated financial services system according to the present invention for solving the technical problem is a helper using integrated messaging, such as banking, insurance, securities, investment, asset management, credit card, communication, integrated mileage, bill payment, e-commerce purchase settlement A customer computer provided with an integrated financial service having a personal browser for using a function; A certification authority server that checks one ID and password requested by the customer, issues a certificate, and has an RA / CA (B-Class) function associated with a financial institution; An operator server storing the ID, password, and personal information requested by the customer in a database, and requesting a certificate for the ID and password requested by the customer from the certification authority server; A financial institution server installed in an institution that provides financial services such as banks, insurance, securities, investment, asset management, credit card, etc., and providing services and information at the request of a customer; It includes a service providing server that provides civil document processing, legal accounting consulting, knowledge management support, economic policy information, internet marketing, trade support translation service, corporate electronic commerce, etc. for businessmen other than financial information. The institution server, the operator server, the financial institution server and the service providing server are connected by a network.

In addition, the customer computer plugs the chip drive, which is a smart card reader provided by the financial institution, into the serial port of the PC, installs related software, inserts his smart card into the chip drive, and accesses the financial institution's Internet site. It is characterized by the fact that all financial services from to transfer of funds can be safely used.

In addition, the smart card is characterized in that the Internet has automatic login, personal security information, embedded encryption key, transaction record, bonus points, transaction record confirmation function used without access to the server.

In addition, the personal browser has a user-centered favorite features such as channel / menu addition deletion editing function, skin change function, skin addition function for each event, banner advertisement addition function for each customer purchase preference and optimized screen configuration function for personal symbols It is characterized by.

In addition, the operator server requests a database search of each financial institution, activates a customer account search engine, provides mileage accumulation and incentive information, and provides a financial customized browser and Kyungwon support browser by operating a hub system. It features.

In addition, the financial custom browser is characterized by having integrated account management, integrated PFMS, optimal financial product search and customization, integrated eBPP, e-commerce payment function.

In addition, the management support browser is characterized by having a civil document processing, legal, accounting consulting, ERP, KMS support, international trade support, translation service support, corporate electronic commerce functions.

The one-stop integrated financial service method according to the present invention for solving the other technical problem is (a) the customer ID / password registration and certificate that the customer can receive membership and integrated financial services using a customer computer to the operator server Applying for; (b) storing the customer information in the database of the operator server and requesting the ID and password to the certification authority server for authentication; (c) checking the requested certificate and notifying a financial institution, and transmitting the certificate to an operator server; (d) confirming the ID, password, and certificate of the customer and notifying the customer; (e) requesting predetermined services and information desired by a customer through an operator server using the ID and password; And (f) receiving the predetermined service and information desired by the customer.

In addition, the step (a) is characterized in that the customer further comprises the step of selecting a connection option using a smart card.

In addition, the step (e) comprises the steps of (e1) the customer issuing the certificate to apply for the cyber integration passbook to the operator server using the customer computer; (e2) driving the hub system of the operator server to perform a database request search of each financial institution, and sharing each financial institution database by activating a customer account search engine; (e3) establishing an integrated PFMS on the operator server, and notifying the customer of the cyber integration account and the PFMS result; (e4) further comprising the step of selecting and purchasing a 1: 1 customized financial product provided through a 1: 1 customized financial product inquiry through an integrated financial service using the cyber integrated bankbook.

In addition, the step (e4) is (e41) the customer using the customer computer to apply for a 1: 1 personalized financial product selection and purchase; (e42) the operator server connecting the customer computer with the financial institution server; (e43) transmitting a processing result to an operator server through the corresponding financial institution server; (e44) activating the cyber integrated bankbook and PFMS, providing mileage accumulation and incentive information of the customer, and upgrading and storing the customer information in a database; And (e45) characterized in that it comprises the step of confirming the completion of the 1: 1 personalized financial product purchase through the integrated cyber bank and PFMS.

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

Figure 1 shows the configuration of the one-stop integrated financial service system according to the present invention, the customer computer 10, the certification authority server 10, the operator server 30, the financial institution server 40 and the service providing server ( 50).

The customer computer 10 has a personal browser for using a helper function using integrated messaging such as banking, insurance, securities, investment, asset management, credit card, communication, integrated mileage, utility bill payment, and e-commerce purchase and payment. Use a single ID and password to provide one stop integrated financial services.

The personal browser has a channel / menu additional deletion editing function (user-centered favorite function), skin change function, skin addition function for each event, banner advertisement addition function for each customer's purchase propensity, and optimized screen configuration function for personal symbols (web Download skins).

In addition, the customer computer 10 simply plugs the chip drive, which is a smart card reader provided by a financial institution, into the serial port of the PC and installs related software. If you put your smart card in the chip drive and access the financial institution's Internet site, you can safely use all financial services from account inquiry to fund transfer.

The smart card can check the Internet automatic login, personal security information, encryption key embedded, transaction records, bonus points, transaction records used without accessing the server.

In addition, it manages multi-account management, that is, bank account, credit card, insurance, stock account.

The certification authority server 20 checks one ID and password requested by the customer and issues a certificate. In addition, it has a RA-CA (B-Class) function linked to financial institutions.

The operator server 30 stores the ID, password, and personal information requested by the customer in a database, and requests the certificate authority server 20 for a certificate for the ID and password requested by the customer.

In addition, the operator server 30 requests a database search of each financial institution by activating a hub system, activates a customer account search engine, and provides mileage accumulation and incentive information.

And, the operator server 30 provides a financial custom browser and Kyungwon support browser.

The financial custom browser has integrated account management, integrated PFMS, optimal financial product search and customization, integrated eBPP, and e-commerce payment.

The management support browser is equipped with civil document processing, legal, accounting consulting, ERP, KMS, etc., international trade support, translation service support, corporate e-commerce.

Financial institution server 40 is installed in institutions that provide financial services, such as banks, insurance, securities, investment, asset management, credit cards, etc., and provides services and information at the request of the customer.

The service providing server 50 is a server that provides contents for management support for entrepreneurs other than financial information, mainly processing civil documents, legal accounting consulting, knowledge management support, economic policy information, internet marketing, trade support translation service, and company. Provide e-commerce, etc.

Figure 2 shows the flow for a one-stop integrated financial service method according to the present invention.

First, the customer uses the customer computer 10 to apply for membership (name, address, zip code, social security number, phone number, e-mail address, ID / password registration, certificate application, etc.). You can select the connection option using.

At this time, when the customer uses the integrated financial services provided by the present invention, in order to use only one ID and password, the customer should apply for the ID and password desired by the customer and receive authentication.

Therefore, the customer requests the ID, password and certificate to the operator server 30 by using the customer computer 10.

The operator server 30 requests the authentication authority server 20 to authenticate the ID and password while storing the customer information in the DB.

The certification authority server 20 receiving the certificate checks the ID and password of the customer and transmits the certificate to the operator server 30. The operator server 30 transmits the certificate to the customer computer 10. In addition, the customer can use the integrated financial services by issuing the certificate.

When the customer who issued the certificate requests the cyber integration account to the operator server 30 using the customer computer 10, the operator server 30 runs the hub system to search the database request of each financial institution, and the customer account. Through activation of search engines, each financial institution database is shared.

Therefore, the operator server 30 establishes an integrated PFMS to notify the customer of the cyber integrated bankbook and PFMS results.

Therefore, the customer can be provided with integrated financial services using a single ID and password, and in particular, can select and purchase 1: 1 customized financial products provided through 1: 1 customized financial product inquiry.

Herein, the 1: 1 customized financial product selection and purchasing process will be described in detail.

When the customer applies for a 1: 1 personalized financial product selection and purchase using the customer computer 10, the operator server 20 connects the customer computer 10 and the corresponding financial institution server 40.

The financial institution server 40 processes the Internet banking use, and transmits the processing result to the operator server 30.

The operator server 30 activates the cyber integrated bankbook and PFMS, provides the customer's mileage accumulation and incentive information, and upgrades and stores the customer information in the database.

The customer computer 10 checks the completion of the 1: 1 customized financial product through the cyber integration bankbook and the PFMS.

The present invention is an integrated financial hub site for SME managers and fund managers as the main customer target.

It is a one-stop financial hub site that focuses on improving user convenience. Log in to all financial products and intangible financial and management support content providers with one password and multi-account inquiry, transfer, You can manage the details, get help from the AI assistants on the site for the products and services that suit your needs, or call or fax, call, fax, It is to connect with integrated messaging technology such as e-mail to receive customized service. You can also pay bills and make e-commerce payments.

In addition, the CEO can check the status of money management and make online payments according to the company's approval to maximize the efficiency of management.

The features of the present invention are described as follows.

1. Maximize user convenience by building a hub that combines redundant and distributed sites into one.

2. Increasing users through transactions, increasing transactions, maximizing advertisement / promotion, generating additional revenue.

3. As a financial specialized hub, revenue generation using medium-term asset management and CEO-only asset management tools.

4. All bank accounts can be organized and used as one cyber account.

-Provide all account information and details: bank / stock / credit card / communication / mileage / utility bills.

-Personal browser function to select and configure the financial services you need.

5. Maximize user convenience by using all financial services with One Pass / One ID.

-You can connect directly to the financial institution without a separate login, such as direct transfer, payment details, etc. transactions.

6. Use smart cards to communicate more transparently between owners and accountants.

7. It is differentiated from the failure of the existing simple account book program through the finance manager's personalized browser technology, so that the individual and the company can easily manage the assets by organizing and analyzing only the information that customers want most easily. has exist.

8. Unified messaging technology: Unlike existing simple push mailing through UMS, customers can maintain mutually intimate relationship with customers through anytime, anywhere, any environment through email, mobile, call center service, etc. Gaining trust.

9. In the capital management, the risk level notice function minimizes the burden on the customer, so that the customer can easily and easily manage the money anytime and anywhere. (E.g. personalized stock / bond news, repayment date, maturity date, unpaid transaction history, securities due date, payment date, overdue, dormant account, etc.)

10. Details of money management services

Mass Fund Transfer, Real Time Fund Transfer

-Various financial transaction details and financial information notification and inquiry service

-Inquiry and notification of many bank transactions

-Provide financial economy information, accident check information, financial institution information

The drawings and specification are merely exemplary of the invention, which are used for the purpose of illustrating the invention only and are not intended to limit the scope of the invention as defined in the appended claims or claims. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible from this. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

According to the present invention, personalized customer service 1: 1 interactive marketing and consulting, real-time customer needs and immediate response, interest community of the user power leads to buyer-oriented commerce, revenue for transactions Integrated mileage management will return share shares or various incentives.

Claims (11)

Client computer that provides integrated financial service with personal browser for using helper function using integrated messaging such as bank, insurance, securities, investment, asset management, credit card, communication, integrated mileage, utility bill payment, e-commerce purchase payment ; A certification authority server that checks one ID and password requested by the customer, issues a certificate, and has a RA / CA (B-Class) function associated with a financial institution; An operator server storing the ID, password, and personal information requested by the customer in a database, and requesting a certificate for the ID and password requested by the customer from the certification authority server; A financial institution server installed in an institution that provides financial services such as banks, insurance, securities, investment, asset management, credit card, etc., and providing services and information at the request of a customer; It includes a service providing server that provides civil documents processing, legal accounting consulting, knowledge management support, economic policy information, internet marketing, trade support translation service, corporate electronic commerce, etc. for businessmen other than financial information. The customer computer, certification authority server, operator server, financial institution server and service providing server is a one-stop integrated financial service system, characterized in that connected by a network. The method of claim 1, wherein the customer computer Insert the chip drive, a smart card reader provided by the financial institution, into the serial port of the PC and install the relevant software. Insert your smart card into the chip drive and access the financial institution's Internet site. One-stop integrated financial service system, characterized in that the service can be used safely. The method of claim 2, wherein the smart card One-stop integrated financial service system, characterized by automatic internet login, personal security information, built-in encryption key, transaction record, bonus points, transaction record confirmation function without access to the server. The method of claim 1, wherein the personal browser User-favorite favorite features such as channel / menu addition deletion editing, skin change function, skin addition function for each event, banner advertisement by customer purchase propensity, and optimized screen composition function according to personal preference One stop integrated financial service system. The method of claim 1, wherein the operator server A one-stop integration that features a hub system to request database searches for each financial institution, activate a customer account search engine, provide mileage credit and incentive information, and provide a personalized browser and Kyungwon support browser. Financial services system. The method of claim 5, wherein the financial custom browser One-stop integrated financial services system featuring integrated account management, integrated PFMS, optimal financial product search and customization, integrated eBPP, and e-commerce payment. The method of claim 5, wherein the management support browser A one-stop integrated financial service system that features civil document processing, legal, accounting consulting, ERP, KMS, international trade support, translation service support, and corporate electronic commerce. (a) applying to the operator server an ID / password registration and certificate that the customer can use the customer computer to register and receive integrated financial services; (b) storing the customer information in the database of the operator server and requesting the ID and password to the certification authority server for authentication; (c) checking the requested certificate and notifying a financial institution, and transmitting the certificate to an operator server; (d) confirming the ID, password, and certificate of the customer and notifying the customer; (e) requesting predetermined services and information desired by a customer through an operator server using the ID and password; And (f) a one-stop integrated financial service method comprising the step of receiving a predetermined service and information desired by the customer. The method of claim 8, wherein step (a) A one-stop integrated financial service method, characterized in that the customer further comprises the step of selecting a connection option using a smart card. The method of claim 8, wherein step (e) (e1) requesting a cyber integration passbook to an operator server by using a customer computer having issued the certificate; (e2) driving a hub system of the operator server to perform a database request search of each financial institution, and sharing each financial institution database by activating a customer account search engine; (e3) establishing an integrated PFMS on the operator server, and notifying the customer of the cyber integration account and the PFMS result; (e4) One-stop integrated financial services, further comprising the step of selecting and purchasing 1: 1 customized financial products provided through the 1: 1 customized financial product inquiry through the integrated financial services using the cyber integrated bankbook Way. The method of claim 10, wherein step (e4) (e41) the customer applying for a 1: 1 personalized financial product selection and purchase using a customer computer; (e42) the operator server connecting the customer computer with the financial institution server; (e43) transmitting a processing result to an operator server through the corresponding financial institution server; (e44) activating the cyber integrated bankbook and PFMS, providing mileage accumulation and incentive information of the customer, and upgrading and storing the customer information in a database; And (e45) The one-stop integrated financial service method comprising the step of confirming the completion of the 1: 1 customized financial products through the integrated cyber bank and PFMS.