KR20030037988A - Automatic account check system - Google Patents

Abstract

The present invention relates to a financial transaction history automatic inquiry system, and a management server for transmitting user authentication and payment information to the management unit, and to access the management server to confirm the user authentication and payment information, and access the bank periodically registered It comprises a management unit for collecting the transaction history of the account, a database for storing the transaction history collected in the management unit, and an inquiry unit for receiving the transaction history stored in the database to allow the service user to query the transaction history Accordingly, the transaction history of all registered accounts can be automatically checked at regular time intervals, and the transaction details of the deposit account opened in individual banks can be simultaneously checked by specifying desired search conditions. In particular, the present invention actually separates the management unit that is connected to the respective banks to collect the transaction history of the registered account and the inquiry unit for inquiring the transaction history of the collected account, a plurality of users at the same time at the same company This is useful because you can search the transaction details of the account.

Description

Automatic transaction check system {Automatic account check system}

The present invention relates to a financial transaction history automatic inquiry system, and more particularly to an automatic inquiry system that can query the transaction history of the deposit account opened in the individual bank at the same time.

Recently, with the development of information technology, the scale of electronic commerce is also increasing. Accordingly, payment is mainly made by credit card payment and bank transfer. At this time, the payment history of the credit card can be easily confirmed through the credit card PG company from the point of view of the service or product provider that needs to check the payment history.

The most common way to check your bank transfer payment is to call your bank or use phone banking or Internet banking. However, this method has a fatal disadvantage that it takes a lot of time and effort to check the deposit details when there are a large number of deposits or when the deposit account is opened in several banks.

For example, if you have a deposit account with five banks, a company that wants to check your deposit history should call five banks regularly or access each bank's Internet banking site to check the deposit. will be.

Therefore, the present inventors have developed a financial transaction history automatic inquiry system that can automate the financial transaction history confirmation method that is currently performed manually using software.

The technology underlying the present invention is a screen scraping technique. Screen scraping means that when customers pass the ID and password of another site they sign up to a specific screen scraper, the screen scraper shows the site's screen as if the individual customer had logged in to that site. Giving or doing certain tasks.

For example, if a user has set up an E-mail address on Site A, Site B, or Site C, he or she will be able to access each site and enter their ID and password to access the mail from that site's mail account. You will have to read it, and for this you will have to surf several places on the Internet. In order to solve this problem, screen scraping technology allows one mail to be read by several sites. When there is a site named D that supports screen scraping technology, the user accesses the D site and enters the ID and password of A, B, and C sites in advance in the software or server provided by the site. When you run the service, the screen scraper can access the site A, site B, and site C using the ID and password information already entered, and scrape all the contents of the mail to site D. Accordingly, the user can conveniently view all the mail information at one site without having to have several sites.

In addition to collecting mail, the screen scraping method has been extended to collecting financial information. A typical example of applying screen scraping technology to finance is the PFMS (Personal Financial Management System).

PFMS is a service that collects information on personal asset related sites such as banks, securities, insurance, and cards by using screen scraping technology. If the user registers the homepage ID, password, and transfer password of the bank, securities, insurance, and card company that owns the account on their PC or the corresponding software, and executes the screen scraper, the relevant software Allows you to access each site and scrape your personal property information and view it in one place.

Based on the screen scraping technology, the present invention has developed a financial transaction history automatic inquiry system that can check the transaction details of accounts opened in several banks at once.

It is an object of the present invention to provide an automatic inquiry system that can automatically and simultaneously query transaction details of a deposit account opened in an individual bank at a predetermined time interval. In particular, an object of the present invention is to provide a financial transaction history automatic inquiry system that can be retrieved by extracting the desired information by determining the search range when the financial transaction history inquiry.

In addition, the present invention is actually connected to each bank and the management unit that collects the transaction history of the registered account and the inquiry unit for inquiring the transaction history of the collected account is separated from a plurality of users at the same time bank account Another object is to provide a financial transaction history automatic inquiry system that can query the transaction history of the.

1 is a basic configuration of the automatic financial transaction history inquiry system of the present invention.

Figure 2 is a detailed configuration of the management server of the financial transaction history automatic inquiry system of the present invention.

3 is a flowchart illustrating a process of processing data in the management server of the automatic financial transaction history inquiry system of the present invention.

Explanation of symbols on the main parts of the drawings

1: management server 2: management unit

3: Inquiry Unit 4: Database

In order to achieve the above object, the present invention provides a management server 1 for transmitting user authentication and payment information, accesses the management server 1 to check user authentication and payment information, and accesses a bank periodically to register. The management unit 2 collects the transaction details of the stored account, the database 4 storing the transaction details collected by the management unit 2, and the transaction details stored in the database 4, and the service user receives the transaction details. It provides a financial transaction history automatic inquiry system, characterized in that consisting of an inquiry unit (3) to query the.

The manager 2 is responsible for obtaining transaction details of the account registered by the user through access to an individual bank or other methods. The viewing unit 3 (viewer) is responsible for enabling users to view the transaction details of the accounts collected by the management unit 2, the management server (1) (management server) while communicating with the management unit (2) It is responsible for user verification, version verification and various authentications. In particular, the present invention actually separates the management unit that is connected to the respective banks to collect the transaction history of the registered account and the inquiry unit for inquiring the transaction history of the collected account, a plurality of users at the same time at the same company This is useful because you can search the transaction details of the account.

Looking at the step of automatic deposit confirmation method of the present invention with reference to the drawings as follows.

First, the user accesses the management server 1 by using the inquiry unit 3 or the manager 2 to confirm user authentication and payment information. Then, the management server 1 determines the availability of the user using its own DB and transmits the result to the management unit (2). Thereafter, the management unit 2 connects to the bank and periodically collects transaction details of a pre-registered account. The user can manually make a history inquiry by using the inquiry unit 3 or the manager 2. The manager 2 stores the collected transaction details in a DB. The management unit 2 transmits the transaction history stored in the DB to the inquiry unit 3 periodically or when there is a request for detail inquiry using the inquiry unit 3 or the management unit 2. If an error occurs in the management unit 2 during this process, the details of the error is transmitted to the management server (1). The process is repeated for each time interval set by the user.

Hereinafter, the function of the components of the present invention will be described in detail.

First, the management unit 2 of the present invention has log-in, update, history inquiry, schedule management, communication with the inquiry unit 3, statistical processing and printing, error processing, inquiry unit 3 management, logging, and additional client functions.

The login function works as follows. The user confirms the user through communication with the management unit 2, passes the ID and password to the management unit 2 at the time of login (Log In), and then downloads the user's billing information and notices from the management unit 2. Specifically, the information includes the number of registerable accounts, the number of available inquiry units, a minimum service period, and a service limit date. All the above process is made through the encrypted text, each management unit (2) can have only one user. At this time, if the number of registered accounts is larger than the number of registerable accounts, the registered account is deleted by user selection. Logging is performed at the time of login, and the login date, user ID, and downloaded file name are left.

In the system of the present invention, the update function of the management unit 2 is achieved by receiving a version number when the user logs in from the management unit 2 and comparing with the version number of the management unit 2 to receive an upgrade.

Meanwhile, the history inquiry function, which is the most important function in the management unit 2 of the present invention, is performed as follows.

If the user logs in to the management unit 2 before starting the details inquiry, the details of the account registered by the user are sequentially executed. When the user selects the desired account from the list on the screen, the details of each account can be viewed.

At this time, the details inquiry period is from the day of the previous history to the day. In case of inquiry for the first time, the start date can be selected by the user. After the details inquiry is completed, the details inquiry is executed again by the schedule.

In addition, the management unit 2 of the automatic transaction history inquiry system of the present invention has a schedule function. This function is to set how long after the account history inquiry is completed, and to execute the history account inquiry again. It is managed by a timer and the user can set the time.

In the schedule, the processing in the case where an error occurs in the module for each institution can be set, and each case can be set in plural. For example, when an error occurs, the name and error content may be transmitted to the inquiry unit 3 as a notice, or a warning sound may be generated every X seconds when an error occurs, or a warning window may be displayed.

The management unit 2 of the present invention is linked with the management server 1 and the inquiry unit 3, the communication with the inquiry unit 3 proceeds as follows.

The inquiry section 3 is executed, and attempts to connect to the IP address of the set management section 2. If the IP address is not set at this time or if the connection fails, it can be set again. The connection uses a socket of TCP / IP, and the session is always connected while the inquiry unit 3 is executed.

The management unit 2 and the inquiry unit 3 exchanges details such as announcements, account information, account history, and inquiry unit 3 requests. If there is a notice in the management unit 2, the notice is transmitted from the manager 2 to the inquiry unit 3, and the account information and registration changes registered in the manager 2 are transmitted to the inquiry unit 3. . In addition, it receives the today's details registered in the management unit 2, and transfers the details to the inquiry unit 3 immediately after the management unit 2 finishes the inquiry. On the other hand, if the user request from the inquiry unit 3, the matter is delivered to the management unit 2, for example, if the details of the request by date, history by account is sent to the management unit (2). This request is used for the search function of the management unit 2.

The management unit 2 of the present invention can show the history of the account and statistics of the stored logging, it is also possible to output. For example, a change in the amount of money in the account may be displayed as a trend line graph according to the account details. You can also set a time period for displaying your account history, which can be set to Full, Last 1 Month, or Last 3 Months.

Logging's statistics show the number of successful logins for the set period (day, week, month) and the number of times the account failed.

If an error occurs in the management unit 2, the error is processed as follows. If a module by an agency stops in service, it should be marked as a service failure by setting a time out. In addition, if an error occurs in an agency module and a message dialog appears, this dialog must be clicked. If an error occurs in an agency module, it should be processed according to the error handling method set in the schedule. When an error occurs, the ID, content, and error time of the error are transmitted to the management unit 2 in a specialized format.

If the error is specified and handled according to the situation, for example, 0 is an error in an organization module during the history inquiry, 1 is a time out during the history inquiry, 2 is an exception error, and 3 is no security module. , 4 is no DIY file, 5 is no DLL, 6 is no INI file, or 7 is not read, 7 is error in the process of saving history in DB, 8 is communication with inquiry unit 3 This can be used to indicate errors in the process.

In addition, the management unit 2 has a function of managing the inquiry unit 3. Therefore, the number of the inquiry unit 3 that can be used at the same time is received at the time of login, and when logging in to the management unit 2 from the inquiry unit 3 manages a list of the IP address of the inquiry unit 3 and the like. The list is encrypted and managed.

Details of the logging of the management unit 2 are as follows. When the management unit 2 logs in to the management server 1, it logs a time and a user ID, executes a history inquiry of each account, and leaves success or failure in the log. Logs are stored as text files in a folder named '// Log' as a subfolder of the client installation folder by date.

In addition, the management unit 2 of the automatic deposit history inquiry system of the present invention has an additional client function. Accordingly, the DLL to be used is loaded, and when it is finished, it is free and the account can be registered / modified / deleted. You can also go to the User Registration Web Page, to the User Information Change Web Page, or to the Payable Web Page: Go to the Login Page. Shows the notice and the result logged on the day. Help function is also available.

Next, the inquiry unit 3 of the present invention will be described in detail.

The inquiry unit 3 of the present invention has a communication, a search, a history display, an output, a notification, a file conversion, a notice display, a login, and an update function.

Since the communication process between the inquiry section 3 and the management section 2 is described in the description section of the management section 2, other functions will be described below. An important function of the inquiry unit 3 is a function of searching for and displaying the deposit details desired by the user. Therefore, it is possible to select a designated account and date and receive the details from the management unit 2 of the system of the present invention. The search condition may be configured with details such as withdrawal amount, deposit amount, summary, and classification, and the search range may be set to the same amount, withdrawal amount or less. Of course, you can also specify a date range.

When the user requests the account details through the inquiry section 3, the inquiry section 3 displays the account information and the details received from the management section 2. Account The account information and history information is updated every time the management unit 2 receives the updated information, and the account information and history information is stored in the DB. If you select the details information, the transaction details of the selected account are displayed, and the details of all registered accounts can be displayed by the full details view function.

In the present invention, the inquiry unit 3 may output a transaction history. In this case, the output may be printed in the form of a report rather than a simple screen printing. For example, a user may output a desired result, such as a list of accounts, a full history, a history of a selected account, and a search result.

In the inquiry section 3 of the present invention, there are other functions such as a file conversion function, a function of receiving a notification from the management unit 2, a login and update function, and the like.

In the present invention, the management server 1 that substantially processes payment information has functions such as user authentication, version information transmission, service authentication, service usage information transmission, and management unit error log storage. This will be described in more detail with reference to FIG.

The management server 1 of the present invention exchanges information about the user authentication, service authentication, version file with the management server through the web server servlet engine, version file, user DB, service information DB, management error log DB.

In addition, the management server 1 performs a service authentication function that determines whether the user can use the service or whether it can be used according to the received fee-related factors.

In the management server, service usage information is processed. In the case of a normally registered user, service usage information such as an alert message of a corresponding user, a charge classification element value registered in the server, personal information, and a service usage date are transmitted. At this time, it is determined whether the user can use the service by the corresponding fee-division factor, and delivers time zone information that can be viewed by agency.

In addition, in the management server 1, after the management unit 2 uses the service and calls the CGI to the management server 1 and transmits the error content, the management server 1 receives the information and stores it in the database, and the management unit 2 stores the URL of the version file in HTTP. It also has a function that allows you to request a version file from a web server.

The processing of the management server 1 is shown in FIG.

First, there is a step 101 of receiving an input message from the management unit 2 of the present invention. This step does not define a separate protocol, but uses http through a web server. The input data is then decrypted using a predefined session key. The encryption algorithm used is blowfish (102).

The next step is professional analysis. The decrypted full text is analyzed to obtain information related to various users and inquiry units such as user ID, password, and version information. At this time, if the type of the preamble is authentication, go to the user authentication step (104-1), and if it is the storage of the error in the inquiry section, it moves to the error information storage stage 104-2.

In the user authentication step, authentication through the user ID and password is handled, and if it is not correct, an appropriate error message is configured. (104-1) If the login type is 'query section login', the version information checking step 106 is performed. Move.

On the other hand, in the inquiry section error storing step 104-2, the error content sent from the inquiry section is stored in the database, and in this case, the processing result is not sent to the inquiry section.

Next, the service authentication step 105 determines the validity of the user's fee classification element and whether the user pays the fee, and if not, configures an appropriate error message. Thereafter, the version information check step 106 of obtaining the latest inquiry unit version information registered in the server, the step 107 of obtaining notification information registered in the server, and the output specialized configuration step 108 of constructing all the contents obtained above in a specialized manner. ), Encrypting the configured output message using a predefined session key (109), and transmitting the output message to the management unit (110).

On the other hand, the process of updating the service information in the financial transaction history automatic inquiry system of the present invention is shown in FIG.

By using the financial transaction history automatic inquiry system of the present invention, the existing transaction history confirmation method can simplify the complicated procedure of calling each bank, arranging a bankbook, or confirming using Internet banking. The transaction history of various bank accounts can be automatically and regularly viewed with a single click of a button, which greatly improves the convenience compared to conventional transaction methods. In addition, you can not only check the transaction history of the bank account, but also search the transaction history of all registered bank accounts by date, period, as well as various criteria such as amount, depositor and withdrawal. This is useful.

In addition, the financial transaction history automatic query system of the present invention is actually connected to each bank, the management server that collects the transaction history of the registered account and the inquiry section for inquiring the transaction history of the collected account is separated In a company, a plurality of users can simultaneously view the transaction history of a bank account.

Claims (6)

A management server for transmitting user authentication and payment information to the management unit; A management unit accessing the management server to check user authentication and payment information, and collecting transaction details of a registered account periodically by accessing a bank; A database for storing transaction details collected by the management unit; The financial transaction history automatic inquiry system, characterized in that configured to receive a transaction history stored in the database allows a service user to query the transaction history. The method of claim 1, The inquiry unit is separated from the management unit is composed of a plurality, so that a plurality of users can query the financial transaction history automatic query system, characterized in that at the same time. The method according to claim 1 or 2, The transaction history is automatically checked financial transaction history system, characterized in that the automatic check at a predetermined time interval. The method according to claim 1 or 2, The transaction history automatic query system characterized in that the output can be output according to the search conditions. The method of claim 4, wherein The search condition may be set based on the date, period, amount, depositor or withdrawer. The method of claim 1, wherein the data processing of the management server Receiving an input message from the management unit; Decrypting the received telegram; Analyzing the decrypted full text to obtain information of a user; Authenticating a user when the type of the preamble is authentication, and storing the error details in a database when the preamble is a client error matter storage item; Authenticating a service according to the user authentication result; Checking version information after the service authentication; Obtaining announcement information registered in the management server; Constructing all the contents obtained in the above steps in a preamble; Encrypting the constructed output message using a predefined session key; And transmitting the output message to the management unit.