KR20060008127A - Financial transaction notification system, financial transaction notification method, and recording media recording financial transaction notification program - Google Patents

Abstract

The present invention, when detecting an abnormality caused by the movement of funds in the funds account registered by the client, the alarm information containing the predetermined information is notified in real time to the client's mobile phone and e-mail, the status of the deposit / withdrawal of the funds account registered by the client And a financial transaction notification system, a financial transaction notification method, and a recording medium recording a financial transaction notification program for reporting a balance status to a client's e-mail and a mobile phone at a predetermined time every day.

Such a financial transaction notification system of the present invention includes an account information acquisition unit for acquiring transaction information for each account registered by a client; An alarm condition storage unit for storing alarm conditions for each account set by the client; And if the transaction information acquired from the account information acquisition unit meets the alarm condition, it characterized in that it comprises an alarm transmission unit for transmitting the alarm information to the e-mail and mobile phone of the client.

Account, Transaction History, Alarm

Description

A system and method for reporting a financial transaction, and a memory device recorded a program for reporting the financial transaction}

1 is a block diagram of a network system for a financial transaction notification service according to an embodiment of the present invention;

2 is a block diagram of a financial transaction notification system according to an exemplary embodiment of the present invention.

3 is a detailed configuration diagram of the alarm transmission unit of FIG.

4 is a detailed configuration diagram of the account information acquisition unit of FIG.

5 is a conceptual diagram of a system for a financial transaction notification service according to another embodiment of the present invention.

6 is a diagram illustrating an alarm condition setting screen according to an embodiment of the present invention.

7 is a diagram illustrating alarm information transmitted to a client mobile phone according to an embodiment of the present invention.

8 is a diagram illustrating alarm information transmitted by a mail of a client according to an exemplary embodiment of the present invention.

9 is a diagram illustrating a daily report setting screen according to an embodiment of the present invention.

10 is a diagram illustrating a daily report screen according to an embodiment of the present invention.

11 is an initial screen displayed on a screen of a client terminal device according to an embodiment of the present invention.

12 is a schematic flowchart of a financial transaction notification method according to an embodiment of the present invention.

13 is a detailed flowchart of a financial transaction notification method according to an embodiment of the present invention.

14 is a detailed flowchart of a financial transaction notification method according to another embodiment of the present invention;

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

11: client terminal device 13: Internet network

15: Banking System 17: Mail Server

19: SMS server 21: account information acquisition

21a: script storage section 21b: script management section

21c: script interpreter 21d: script executer

23: alarm condition storage unit 25: alarm transmission unit

25a: comparison unit 25b: information generation unit

25c: Internet connection part 27: User interface part

29: account information storage unit 31: transaction history storage unit

33: system control unit

The present invention relates to a financial transaction notification system and method, and more particularly, it is possible to quickly identify abnormal money movements by inquiring a financial transaction of a registered account and notifying the client through a mobile phone and an e-mail. It relates to a financial transaction notification system, a financial transaction notification method, and a recording medium on which such a financial transaction notification program is recorded.

In general, companies are managing the funds required for the overall operation of the company under the management of the chief executive officer and the chief financial officer, but in fact, it is actually difficult for the CEO or CFO to manage the money accounts directly. As a result, it is also true that unexpected financial accidents occur frequently.

These problems are not limited to companies, and they can occur to the self-employed or the individual, and financial transactions are actively conducted online through the recent development of information and communication technology and activation of electronic commerce. If account numbers and passwords are exposed in an illegal way in a situation, financial accidents may occur without your knowledge.

As such, the company is exposed to an environment in which financial accidents can occur from individuals to corporations, and thus, the need for more thorough account management is required from the standpoint of the CEO or CFO.

Accordingly, the present invention has been made to solve the problems caused by the negligence of the management of the financial transaction, the alarm information containing the predetermined information in real time when detecting the abnormality caused by the movement of funds in the client's registered money account in real time The purpose of the present invention is to provide a financial transaction notification system, a financial transaction notification method, and a recording medium recording a financial transaction notification program.

Another object of the present invention is to provide a financial transaction notification system, a financial transaction notification method, and a financial transaction notification program, which report the deposit / withdrawal status and the balance of the funds account registered by the client to the client's e-mail and mobile phone at a predetermined time every day. To provide a recorded recording medium.

Financial transaction notification system of the present invention for achieving the above object is an account information acquisition unit for acquiring transaction information for each account registered by the client; An alarm condition storage unit for storing alarm conditions for each account set by the client; And if the transaction information acquired from the account information acquisition unit meets the alarm condition, it characterized in that it comprises an alarm transmission unit for transmitting the alarm information to the e-mail and mobile phone of the client.

In addition, the financial transaction notification system of the present invention includes a user interface for inputting data of a client; An account information storage unit for storing the account information input through the user interface unit; It is characterized in that it further comprises a transaction history storage unit for storing the transaction history for each account.

Here, the alarm transmission unit is a comparison unit for comparing the acquired transaction information and the set alarm conditions, an information generation unit for generating alarm information and daily report information according to a predetermined format, acquisition of the transaction information for each account, and alarm It characterized in that it comprises an Internet connection that is connected to the Internet network for transmitting information and daily report information.

On the other hand, the financial transaction notification method according to an embodiment of the present invention comprises the steps of acquiring transaction history information of the account registered by the client; Comparing the transaction history information with an alarm condition set by the client; And transmitting the alarm information to an e-mail and a mobile phone of the client when the transaction details satisfy the alarm condition.

Here, the step of receiving the account information prior to acquiring the transaction history information for each account, and the step of receiving the alarm conditions necessary for the alarm information transmission is made, wherein the account information, account number, account-specific password, It includes various information for acquiring account information including transaction bank code, social security number, business registration number, and the alarm condition includes daily deposit / withdrawal limit per account, one-time deposit / withdrawal limit per account, withdrawal date according to fund execution plan, and Characterized in that the information relating to the withdrawal destination is included.

On the other hand, the financial transaction notification method of the present invention further comprises the step of transmitting a daily report to the e-mail of the client, the daily report, the inquiry account, the details of the deposit / withdrawal of each account, the bank, the number of deposits and withdrawals, It is characterized by including a variety of information that can be identified at a glance changes in funds, including balance, transaction date.

Meanwhile, the recording medium in which the financial transaction notification program of the present invention is recorded is obtained by screen scraping a web page screen provided by a corresponding bank for each account with transaction history information of an account registered by a client, for each account. The transaction history is compared with the alarm condition set by the client, and as a result, when the transaction statement satisfies the alarm condition, the alarm information in which the transaction history of the corresponding account is posted is sent to the client's e-mail and a mobile phone. At a predetermined time, a daily report in which detailed transaction details of each account are posted is transmitted to the client's e-mail and a mobile phone.

Hereinafter, a financial transaction notification system and a financial transaction notification method according to an embodiment of the present invention will be described with reference to the accompanying drawings.

1 is a configuration diagram of an entire system to which a financial transaction notification system of the present invention is applied, and FIG. 2 is a configuration diagram of a financial transaction notification system according to an embodiment of the present invention. As shown in FIG. Financial transaction notification system of the client terminal 11, the Internet network 13 connected to the client terminal 11, the banking system 15 connected to the Internet network 13, and the Internet network 13 It is configured to include a connected mail server 17 and SMS server 19.

Here, the client terminal 11 is preferably a PC connected to the Internet network 13, the financial transaction notification system may be embedded in the client terminal 11 as described above, may be embedded in a server in the company, It may be embedded in a mobile communication terminal such as a mobile phone or a PDA.

The client terminal 11 acquires transaction history information of a bank account registered by the client by using a screen scraping technique and compares the transaction history with an alarm condition registered by the client. The financial transaction notification system of the present invention for transmitting alarm information to an e-mail and a mobile phone is embedded.

The mail server 17 and the SMS server 19 receive alarm information and daily report information from the financial transaction notification system built in the client terminal 11, and then transmit the same to the client's e-mail and mobile phone. As shown in FIG. 1, the server 17 and the SMS server 19 may be built in a contents provider that provides various contents through the internet network 13, or may be built in a company. have.

Hereinafter, the transaction information of the account registered by the client, which is actually embedded in the client terminal device 11, is acquired, and it is determined whether the acquired transaction history satisfies a condition for receiving an alarm, and optionally an alarm according to the determination. The financial transaction notification system of the present invention for transmitting information to an e-mail and a mobile phone of a client will be described in more detail.

2 is a block diagram of a financial transaction notification system according to an exemplary embodiment of the present invention.

As shown in Fig. 2, the financial transaction notification system is implemented in the client terminal device 11 (in this embodiment, a PC is described as an example), and the account information acquisition for acquiring transaction details for each account registered by the client is obtained. If the account 21, the alarm condition storage unit 23 for storing the alarm conditions for each account set by the client, and the transaction history information acquired from the account information acquisition unit 21 meets the alarm condition, alarm information. Alarm transmission unit 25 for transmitting the data to the client's e-mail and mobile phone, a user interface unit 27 for receiving various data including account information and alarm conditions from the client, and the user interface unit ( 27 an account information storage unit 29 for storing the account information input through the transaction information, and the transaction history for storing the transaction history information for each account obtained from the account information acquisition unit 21; It is configured to include a book 31 and the system control unit 33 for controlling the sequence of operation of the financial transaction system of the present invention.

Here, as shown in FIG. 3, the alarm transmission unit 25 transmits the transaction information for each account to the comparison unit 25a which compares the set alarm conditions for each account with the client's e-mail and a mobile phone. And an information generation unit 25b for generating alarm information and daily report to be generated, and an internet connection unit 25c connected to the internet network 13 for acquiring transaction information for each account and transmitting the alarm information. .

The account information acquisition unit 21 is connected to the Internet network 13 through the Internet connection unit 25c, and by screen scraping the transaction history inquiry screen for each account provided by each bank system 15 (Screen scraping) Acquire transaction details by account.

As shown in FIG. 4, the account information acquisition unit 21 includes a script storage unit 21a, a script management unit 21b, a script analysis unit 21c, and a script execution unit 21d. It is configured to interlock with a web browser controller (not shown) that is basically installed in the client terminal device (11).

In general, since there is a script for the detail inquiry for each bank, the script storage unit 21a stores such a script.

The account information acquisition unit 21 selects a script suitable for the bank in which the corresponding account is opened using the account information for which the transaction details are to be inquired, and then invokes a web browser controller to execute a command as the script is written to perform transaction details. Information is obtained, for example, access to the bank's home page for each account-access to the inquiry page-enter the account number and password (depending on the bank's social security number or business registration number)-enter the inquiry period-take the transaction details And store it in the transaction history storage.

In addition, the account information acquisition unit 21 may directly access a server of a bank for each account and acquire transaction history information for each account through communication with the bank server. That is, the system is connected to the bank server for each account under the control of the control unit 33 to request the transaction history inquiry of the corresponding account, and receives the transaction history information from the bank server in response to the transaction history inquiry request and the alarm transmission unit 25 ) So that the transaction details and alarm conditions for each account can be compared. In this case, the account information acquisition unit 21 and the bank server may be connected to the Internet network 13, but preferably connected to a telephone network or a dedicated line, it is preferable to allow various encryption programs for security.

In addition, the account information acquisition unit 21 is connected to the bank system 15, as shown in Figure 5, the account for providing transaction history information corresponding to the transaction history inquiry request of the client through the Internet network 13 It is also possible to connect to a system of an inquiry service provider (for example, banktown, dacom, etc.) to obtain account-specific transaction details from the system.

As such, the account information acquisition unit 21 acquires transaction details information of the account registered under the control of the system control unit 33 through various paths, and then transmits it to the alarm transmission unit 25 to transmit the alarm transmission unit 25. To be compared with the alarm condition.

On the other hand, the alarm condition storage unit 23 is an alarm condition for each account for receiving alarm information through e-mail and a mobile phone, for example, daily deposit / withdrawal upper limit, one deposit / withdrawal upper limit and funds per account Transaction conditions for each account for receiving alarm information such as deposit / withdrawal date, withdrawal address and withdrawal ceiling according to the execution plan are stored.

For reference, FIG. 6 illustrates an alarm condition setting screen. Through this alarm condition setting screen, an alarm name, an account requiring alarm information, a transaction type and a transaction amount of the account can be set, and alarm information can be set. Receiving a mobile phone number and an e-mail address can be set, such information is stored in the account information storage unit 29.

6 illustrates an example of a screen when the alarm condition is set to the withdrawal amount. When the alarm condition is set to the withdrawal amount and the withdrawal amount is set to 2,000,000 won or more, the withdrawal amount of registered accounts becomes 2,000,000 won or more. When a transaction occurs, alarm information of the format shown in FIG. 7 is transmitted to the mobile phone of the client, and alarm information of the format shown in FIG. 8 is transmitted to the e-mail of the client. At this time, the alarm information as shown in FIGS. 7 and 8 is generated by the information generating unit 25b to be described later.

Meanwhile, the user interface unit 27 provides an account information input screen and an alarm condition setting screen as shown in FIG. 6 so that a client can input account information and alarm conditions, and the like, and separately from the alarm information. The daily report setting screen (refer to FIG. 9) is provided for receiving a daily report through e-mail at a predetermined time. At this time, the account information input by the client is stored in the account information storage unit 29, the alarm condition is stored in the alarm condition storage unit 23.

The account information storage unit 29 receives the account information from the account information acquisition unit 21 such as account information input through the user interface unit 27, for example, an account number, a password, a social security number and a business registration number, and a transaction bank. Various information required for acquisition and the like are stored.

For reference, FIG. 9 shows a daily report setting screen. Through this daily report setting screen, a report time, an e-mail address and a mobile phone number for receiving a report can be set, and a daily report can be set. have.

In this case, as shown in FIG. 10, the daily report includes information such as inquiry accounts, details of deposits and withdrawals for each account, transaction banks, deposits and withdrawals, balances, transaction dates, etc. This includes.

On the other hand, the alarm transmission unit 25 when the transaction details for each account acquired from the account information acquisition unit 21 meets the alarm conditions stored in the alarm condition storage unit 23, the alarm information to the mobile phone and electronics of the client Send by email.

That is, the comparison unit 25a constituting the alarm transmission unit 25 compares the transaction details for each account stored in the transaction history storage unit 31 with the alarm conditions stored in the alarm condition storage unit 23, and as a result, the account. When the transaction details for each account meet the alarm conditions set for each account, the information generation unit 25b generates alarm information in the format shown in FIGS. 7 and 8 by using the transaction details information for each account stored in the transaction history storage unit 31. do.

In addition, the information generation unit 25b creates a daily report in the format shown in FIG. 8 by using the transaction history information stored in the transaction history storage unit 31.

The alarm information and the daily report generated by the information generation unit 25b are transmitted to the mobile phone and the e-mail of the client through the Internet connection unit 25c under the control of the system control unit 33.

For reference, FIG. 11 illustrates an initial screen provided by a financial transaction notification system displayed on a screen of a client terminal device. As shown in the drawing, accounts are displayed by group (individual, corporation, etc.), If a specific account is selected among them, detailed transaction details such as transaction date, client / recipient, and deposit / exit amount of the account are displayed.

Hereinafter, a financial transaction notification method using the financial transaction notification system as described above will be described.

12 is a schematic flowchart illustrating a financial transaction notification method of the present invention.

As shown in FIG. 12, the financial transaction notification method of the present invention includes a step (S1101) of acquiring transaction details information for each account, comparing the acquired transaction details with a set alarm condition (S1102), and When the acquired transaction details satisfy the set alarm condition, the method may include transmitting alarm information to the client's e-mail and a mobile phone (S1103).

Here, the step of acquiring transaction history information for each account may include providing an account setting screen, an alarm condition input screen, a daily report setting screen, and the like, and receiving account information and alarm conditions from the account information storage unit 29 and an alarm. It further includes the step of storing in the condition storage unit (23).

The financial transaction notification method of the present invention will be described in more detail with reference to the flowchart shown in FIG. 13.

First, when the financial transaction notification system embedded in the client terminal device 11 is activated, the system controller 33 determines whether the account inquiry time set by the client has come (S1201).

As a result of the determination in step S1201, when the set account inquiry time is reached, the account information acquisition unit 21 screen-screens the transaction history inquiry screen provided by the bank for each account (S1202), and then the account Store in the transaction history storage unit 31 for storing the transaction details (S1203).

Here, the transaction history inquiry time for each account is set by the client, the account inquiry period is preferably set in units of time.

When the transaction history information for all the accounts registered in the account information storage unit 29 is stored in the transaction history storage unit 31 through the above process, the alarm transmission unit 25 sets the alarm condition and each set for each account. Compare the transaction history by account (S1204).

That is, the comparison unit 25a constituting the alarm transmission unit 25 compares the transaction conditions for each account stored in the transaction history storage unit 31 with the alarm conditions for each account stored in the alarm condition storage unit 23, and If there is an account having a transaction history that satisfies the result alarm condition (S1205), the information generation unit 25b generates alarm information in the format shown in Figs. 7 and 8 (S1206).

When the generated alarm information is transmitted to the client's mobile phone and e-mail via the Internet connection 25c (S1207), the financial transaction notification process according to the embodiment of the present invention is completed.

The financial transaction notification method described above is a case in which the account information storage unit 21 acquires transaction details information for each account through a screen scraping method. As mentioned earlier, the account information acquisition unit 21 is a bank server. The transaction history information can be obtained by directly accessing the transaction information, or the transaction history information can be obtained by accessing the account inquiry service provider's system.

Hereinafter, as an example, a case of obtaining transaction history information from the system of the account inquiry service provider will be described with reference to the flowchart shown in FIG. 14.

When the financial transaction notification system embedded in the client terminal device 11 is activated, the system controller 33 determines whether the account inquiry time set by the client has been reached (S1301).

As a result of the determination in step S1301, when the set account inquiry time is reached, the account information acquisition unit 21 transmits the transaction history inquiry request information including the account information necessary for the account inquiry to the system of the account inquiry service provider (S1302). .

Accordingly, the system of the account inquiry service provider accesses the server of the bank using the account information transmitted by the account information acquisition unit 21 to obtain transaction details, and then the account information acquisition unit 21. To send.

The account information acquisition unit 21, if the transaction information for each account is input from the system of the account inquiry service provider (S1303), the transaction history storage unit of the transaction history information of each account under the control of the system controller 33 It stores in 31 (S1304).

Subsequently, the alarm transmission unit 25 retrieves transaction history information for each account stored in the transaction history storage unit 31 and compares the transaction condition information for each account stored in the alarm condition storage unit 23 (S1305).

As a result of comparing the alarm conditions and transaction details for each account in step S1305, if there is an account having a transaction history that satisfies the alarm condition (S1306), the information generating unit 25b has a format as shown in FIGS. 7 and 8. Generate alarm information (S1307), and the generated alarm information is transmitted to the mobile phone and e-mail of the client through the Internet connection (25c) (S1308).

Although preferred embodiments of the present invention have been described above, it is clear that the present invention can use various changes, modifications, and equivalents, and that the above embodiments can be appropriately modified and applied in the same manner. Accordingly, the above description does not limit the scope of the invention as defined by the limitations of the following claims.

As described above, the financial transaction notification system and the financial transaction notification method of the present invention have the following effects.

Unusual finance by acquiring transaction details by account from time to time and comparing them with the alarm conditions set by the client, and notifying the mobile or e-mail of the chief executive officer or chief financial officer if there are transaction details that meet the alarm conditions. The transaction can be quickly recognized, allowing for quick response.

In addition, by sending the overall account information, such as daily and withdrawal status and balance by account to the client's e-mail and mobile phone in the form of daily report, it is possible to more easily check the financial transaction status of all accounts at a glance.

Claims (10)

An account information acquisition unit for acquiring transaction information for each account registered by the client; An alarm condition storage unit for storing alarm conditions for each account set by the client; And And an alarm transmission unit for transmitting the alarm information to the e-mail and the mobile phone of the client when the transaction information acquired by the account information acquisition unit satisfies the alarm condition. The method of claim 1, A user interface for inputting data from the client, An account information storage unit for storing account information input through the user interface unit; Financial transaction notification system, characterized in that further comprises a transaction history storage for storing the transaction history for each account. The method of claim 1, wherein the alarm transmission unit, A comparison unit comparing the acquired transaction information with a set alarm condition; Information generating unit for generating alarm information and daily report information according to a certain format, And an internet access unit connected to the internet network to acquire the transaction information for each account, and to transmit alarm information and daily report information. Acquiring transaction details of the account registered by the client; Comparing the transaction history information with an alarm condition set by the client; And transmitting the alarm information to an e-mail and a mobile phone of the client when the transaction details satisfy the alarm condition. The method of claim 4, wherein The financial transaction notification method further comprises the step of transmitting the daily report to the client's e-mail. The method of claim 4, wherein Receiving the account information; The financial transaction notification method further comprises the step of receiving an alarm condition necessary for transmitting the alarm information. The method of claim 6, The account information includes a financial transaction notification method comprising a variety of information for obtaining account information, including account number, account-specific password, transaction bank code, social security number, business registration number. The method of claim 6, The alarm condition is a financial transaction notification method comprising the information related to the daily deposit / withdrawal limit per account, once / withdrawal limit per account, withdrawal date and withdrawal destination according to the fund execution plan. The method of claim 5, The daily report includes a variety of information that can be checked at a glance the changes in the funds, including the inquiry account, the details of the deposit / withdrawal of each account, the bank, the number of deposits and withdrawals, the balance, the transaction date How to notify a transaction. Acquire the transaction details of the account registered by the client by screen scraping the web page screen provided by the corresponding bank for each account, and compare the transaction details of each account with the alarm condition set by the client, and as a result, the transaction If the details meet the alarm conditions, the client sends the alarm information in which the transaction details of the account are posted to the e-mail and mobile phone of the client, and the daily report of the detailed transaction details of each account is posted at the predetermined time. Computer-readable recording media that records financial transaction notification programs sent to e-mails and mobile phones.

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