KR100351114B1 - System and method for inquiring a financial property, and a storage medium recorded the same method - Google Patents

Abstract

The present invention relates to a method and system for retrieving financial assets that can be retrieved from a customer terminal in a financial institution and the financial asset information distributed on the Internet. A first step of performing an authentication process; A second step of executing a web browser upon input of a financial asset inquiry command from an authenticated user; Reading out, from the storage means, a traversal scenario of one or more financial service providers selected by the user from the traversal scenario registration list; A fourth step of requesting financial asset information by visiting a corresponding financial service provider server based on the read out circulation scenario through a web browser; And a fifth step of processing and displaying the received financial asset information on the web browser in response to the financial asset information request.

Description

SYSTEM AND METHOD FOR INQUIRING A FINANCIAL PROPERTY, AND A STORAGE MEDIUM RECORDED THE SAME METHOD}

The present invention relates to a financial asset inquiry system, and more particularly, to a financial asset inquiry method and system for comprehensively or individually inquiring financial asset information distributed at each financial institution and the Internet, and the method recorded therein. It relates to a recording medium.

With the rapid spread of the Internet, the movement of financial assets using the Internet has been actively performed. Examples of the movement of financial assets using the Internet include internet banking and cyber stock trading. Internet banking and cyber stock trading are gradually increasing in number and amount of transactions because customers can safely and conveniently do not go to banks or securities stores.

Despite the advantages of internet banking or cyber stock trading, there are still many inconveniences for customers. For example, customers are usually dealing with multiple banks. For these customers, they can access the Internet banking site of each bank and perform the desired transaction every time. There is this. In addition, since the system of user authentication is different for each bank, the customer must separately manage information for complying with the user authentication system required by each bank, and there is an inconvenience of having to input information necessary for user authentication for each transaction. This is not the case for banks, but for all financial institutions, such as cyber stock trading, Internet insurance, and investment trusts.

Therefore, there is an urgent need for a technology that can solve the inconvenience of having to input personal information necessary for inquiry or trading of financial assets through the Internet. In addition, to avoid the hassle of having to access several sites in order to search their own financial assets distributed to various financial institutions, and to find the information of their financial assets distributed to various financial institutions with only one search order of financial assets. There is a need for a queryable system.

On the other hand, with the spread of the Internet, companies are adopting membership system as a way to manage their image, promote their products, and generate advertising revenue, and introduce various point system or mileage system as a way to induce membership. have. These points or mileage schemes can also be used as cash substitutes and can be replaced with personal financial assets. Therefore, there is a need for a system that can manage various cyber assets (e-money, points, mileage, etc.) provided to customers on-line in financial assets and manage them as total financial assets of the customers.

Accordingly, an object of the present invention is to provide a method and system for retrieving a financial asset which can be easily inquired by a simple operation of a customer's own financial asset information distributed in various financial institutions, and a recording medium on which the method is recorded.

It is still another object of the present invention to provide a financial asset inquiry method and system capable of classifying and inquiring various cyber assets assigned to a customer as one financial asset, and a recording medium on which the method is recorded.

1 is a block diagram of a financial asset inquiry system according to an aspect of the present invention.

FIG. 2 is a diagram illustrating a process of registering a traversal scenario for each financial service provider required to query financial asset information according to an exemplary embodiment of the present invention. FIG.

3 is a view for explaining a method for individually querying financial asset information according to an embodiment of the present invention.

4 is a view for explaining a method for comprehensive inquiry of financial asset information in accordance with a preferred aspect of the present invention.

Financial asset inquiry method according to an aspect of the present invention for achieving the above object;

A first step of performing a user authentication process when a web agent module execution command for a financial asset inquiry is input;

A second step of executing a web browser upon input of a financial asset inquiry command from an authenticated user;

Reading out, from the storage means, a traversal scenario of one or more financial service providers selected by the user from the traversal scenario registration list;

A fourth step of requesting financial asset information by visiting a corresponding financial service provider server based on the read out circulation scenario through a web browser;

And a fifth step of processing and displaying the received financial asset information on the web browser in response to the financial asset information request.

In addition, the financial asset inquiry method according to an additional aspect of the present invention;

Displaying a list of traversal scenarios for each of the financial service providers if there is a traversal scenario registration command from the authenticated user;

Requesting input of account information required by the traversal scenario when selecting any traversal scenario from the list;

Comprising the step of registering the corresponding traversal scenario in the traversal scenario registration list when the account information is completed.

In addition, the financial asset inquiry method according to an additional aspect of the present invention;

Requesting an entry of an institution name of a desired financial service provider if there is a circuit scenario download command from an authenticated user;

Requesting to provide a circuit scenario of a financial service provider to the circuit scenario providing server through the web browser when the organization name is input;

And registering the traversal scenario transmitted from the traversal scenario providing server in the traversal scenario list.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, a detailed description thereof will be omitted.

First, FIG. 1 illustrates a configuration of a financial asset inquiry system according to an exemplary aspect of the present invention. The financial asset inquiry system includes a plurality of financial service provider servers 300 to 500 that can be connected to the Internet through a physical transmission medium. And a circuit scenario providing server 500 and a customer computer 100 accessible to the Internet.

The client computer 100 downloads and stores the web agent module 120 and the traversal scenario 130 for implementing the present invention from the traversal scenario providing server 500 from a CD-ROM as a recording medium or through the Internet. The web agent module 120 executes the web browser 110 to query the financial asset information, and leads the web page of the designated financial service provider server through the executed web browser 110 according to a predetermined traversal scenario. The web browser 110 controls the web browser 110 to automatically input information necessary for the financial asset information inquiry, and then obtains the predetermined financial asset inquiry information and displays it on the web browser 110.

The traversal scenario 130 is a file defining a method and sequence of the web agent module 120 controlling the web browser 110 and configured as an XML (script) file or a DLL (compiled code) file. It is. This file describes the operation contents and information collection target of how the web agent module 120 should operate. The contents of the file are as follows:

① URL of the site or page to visit.

② Data and data type to input automatically.

③ Data processing method.

④ How to respond to specific information.

That is, the traversal scenario 130 is a sequence of scenarios required for inquiring on the Internet of the financial asset information of the customer dispersed in each financial service provider, the customer required for the URL information and financial asset information of the financial service provider It includes at least identification information (account number, membership number, etc.) and password, and can be defined as a file defining a method and control procedure necessary for the web agent application to control the web browser. Since the identification information and the password of the customer are inputted from the user who is the customer through the customer computer and stored, and each service company requires different customer identification information, each of the circuit scenarios 130 is, for example, "Kookmin Bank Tour." Scenario "," Samsung Securities Tour Scenario "," BC Card Tour Scenario ", etc., with the main title, and the financial transaction items (point check items) for trading of financial assets (balance check, transfer, etc.) under the main title. This location allows customers to choose the financial transaction they want.

On the other hand, for the version management for the above-described circuit scenario 130, there must be a circuit scenario providing server 500, the circuit scenario providing server 500, as well as the version management function for the circuit scenario, the validity of the circuit scenario It includes a verification function and a function of detecting and downloading a tour scenario of a financial service provider according to a customer's request from a database (not shown). The addition of the download function is because many financial institutions or service providers provide cyber assets to customers, so it is not possible to provide a circuit scenario of all financial service providers to customers on CD-ROM or initial application download.

Hereinafter, a method of querying financial asset information distributed among various financial service providers will be described in detail with reference to FIGS. 2 to 4.

First, FIG. 2 illustrates a diagram for explaining a process of registering a circulation scenario for each financial service provider required to query financial asset information according to an exemplary aspect of the present invention. Only after registering them, they can individually or comprehensively view their financial asset information.

Referring to FIG. 2, a customer first accesses a circuit scenario providing server 500 through his computer 100 and the Internet 200, and performs a web agent module 120 and a plurality of prescribed circuit scenarios 130. Download it. In this case, for user authentication, the customer enters the username and password and stores them together. In this manner, after the web agent module 120 and the traversal scenario 130 are installed, when the customer executes the web agent module 120 (step 600), the web agent module 120 performs user authentication (step 610). That is, the user name and password are required to be compared with the previously stored user authentication. If the user authentication result is matched, an initial screen is displayed on the display unit of the computer 100 (step 620). In the initial screen displayed as described above, a "tour scenario registration" button, a "financial asset information individual inquiry" button and a "financial asset information general inquiry" button are present at least. The "tour scenario registration" button is a button for inputting account information (including customer identification information and password) for each of the downloaded scenarios or downloading a tour scenario of a new financial service provider. A button is a button for inquiring financial asset information deposited at a financial service provider. The "financial asset information inquiry" button is a button for searching all or two or more information of the financial asset information deposited in various financial service providers.

Therefore, when the customer selects the "Registration scenario registration" button (step 630) in the initial screen, the web agent module 120 displays a list of the plurality of circulation scenarios defined in step 640. The " defined plurality of traversal scenario lists " is defined as a generic term for a list in which traversal scenarios of representative financial service providers with many trading customers are described. Accordingly, the customer selects the traversal scenario of the financial service provider he is trading from the displayed traversal scenario list (step 650), and corresponds to the account number of the financial service provider in response to the request for inputting account information of the selected traversal scenario (step 660). Complete the password. Then, the web agent module 120 registers the selected traversal scenario in the traversal scenario registration list (step 670). That is, the customer selects the circulation scenarios of the financial service providers that he / she is trading in step 640 to step 670 to create a circuit scenario registration list.

If the traversal scenario list does not include the traversal scenario of the financial service provider, the customer selects download from the display window. The web agent module 120 then requests the customer to enter the desired financial institution name (step 690). In response to the input request, the web agent module 110 requests the provision of the traversal scenario of the financial institution input by the customer to the traversal scenario provision server 500 through the web browser 110 (step 700). Then, after downloading the circuit scenario of the input financial institution provided in response to the request, it is registered in the circuit scenario list and the process returns to step 640.

Therefore, the customer can download the circuit scenarios that are not registered in the list of the circuit scenarios downloaded for the first time and use them to search their financial asset information.

Hereinafter, a method of querying financial asset information using the traversal scenarios registered by the above-described procedure will be described.

First, FIG. 3 is a diagram illustrating a method for individually inquiring financial asset information according to an exemplary aspect of the present invention.

For individual inquiry of financial asset information, as shown in FIG. 2, the client first executes the web agent module (step 800), then performs user authentication (step 810), and then selects the "Individual financial asset information inquiry" button on the initial screen. (Step 820). When the "financial asset information individual inquiry" button is selected, the web agent module 120 displays the registered traversal scenario list (step 830). When the customer selects one registration item from the list of traversal scenarios (step 840), the web agent module 120 executes a commercial web browser (Microsoft Internet Explorer, Netscape Communicator Netscape Communicator) 110 in step 850. . As such, the web browser 110 executed for the inquiry of the financial asset information is preferably not displayed on the display unit of the computer 100, and is displayed by the control of the web agent module 120 at the time of the final result display. .

On the other hand, the web agent module 120 reads the traversal scenario selected by the customer from the storage means (step 860), and then provides the financial asset to the financial institution service providing server 300 through the web browser 110 according to the read traversal scenario. Request individual inquiry of information (step 870). Then, the financial company service providing server 300 provides the individual financial asset information requested for the inquiry to the customer computer 100. The financial asset information inquiry request and the provision of the individual financial asset information are provided by the OLE automation provided by the Windows operating system. By the control of the web agent module 120 using the. An example of executing an API using the OLE Automation function is described below.

CoCreateInstance (starts a browser installed on your computer, where the browser runs invisible)

② Navigate (visit designated site)

③ ConnectionAdvise (Event Sink installation)

④ ConnectionUnadvise (Cancel Event Sink)

⑤ Browser notification control

That is, the web agent module 120 controls the web browser 110 to visit the designated site after installing the event sink in the web browser 110. When visiting the designated site of the web browser 110, the web agent module 120 recognizes a predetermined account information input request through the event sink. In this case, the web agent module 120 puts account information into the input field and presses the confirmation button. Inserting a value into an input field may be implemented by using a method of changing the value of an HTML component of the web browser 110 by causing the web agent 120 to execute JavaScript in the web browser 110. Also, by generating an event in the HTML component (button) of the web browser 110, the user can obtain the same effect as pressing the button. In this way, when the web browser 110 visits the final site designated in the traversal scenario, the web agent module 120 copies the content displayed by the web browser 110 (copy paste using the clipboard of the operating system). You can bring it. This means receiving the individual financial asset information requested by the customer (step 880).

When the individual financial asset information is received as described above, the web agent module 120 processes the received individual financial asset information in HTML format and displays it on the web browser 110 (step 900). It is possible to enjoy the convenience that the financial asset information deposited in the service provider can be easily confirmed by only one user authentication procedure when executing the initial program.

Hereinafter, a method for comprehensively searching financial asset information distributed among various institutions will be described. First, FIG. 4 is a view for explaining a method for comprehensively searching financial asset information according to an exemplary aspect of the present invention. The execution of the web agent module (step 910) and the user authentication (step 920) are performed in the same manner as the method for individually searching financial assets. However, in order to comprehensively search financial asset information, the customer must select the comprehensive inquiry of financial asset information at the initial screen.

If the comprehensive inquiry of financial asset information is selected in step 930, the web agent module 120 executes the web browser 110 and reads the traversal scenario registration list in steps 940 and 950, respectively. Subsequently, steps 970 and 980 are repeatedly performed while sequentially reading the iteration scenarios according to the registration order described in the iteration scenario registration list (step 960). As described above, the individual financial asset information of the customer deposited in each financial service provider is repeatedly received by the control of the web agent module 120 as described in the separate financial asset inquiry. Stored in the storage means. Each financial asset information stored in this way is processed in HTML format (step 1000), and is classified by the financial institution's account balance, credit card payment amount, loan balance, insurance payment amount, mileage point, cyber money, and credit card accumulation point. One piece of comprehensive financial asset information is displayed on the web browser 110 (step 1010).

Therefore, customers can easily check their entire financial asset information distributed to various institutions through the web browser 110 with only one user authentication procedure, and can easily use the identified cyber assets on-line or offline. It can be an opportunity.

As described above, the present invention can search the information of the customer's own financial assets distributed in various financial institutions with only one financial asset comprehensive search search command, so that the customer does not have to access all the financial service providing servers. There is also the convenience to query their financial assets or to conduct financial transactions.

In addition, since the present invention can classify and view cyber assets such as cyber money, mileage, cumulative points according to card usage performance, etc. into a single financial asset, the customer himself can conveniently view the inquired cyber assets on-line or offline. It can be used as a cash substitute.

On the other hand, the present invention has been described with reference to the embodiments shown in the drawings, which are merely exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. For example, an embodiment of the present invention exemplifies querying financial asset information, but various information provided online (news, new book guide, current stock prices, etc.) can be provided based on the traversal scenario without any modification. have. Therefore, the true technical protection scope of the present invention should be defined only by the appended claims.

Claims (9)

In the financial asset inquiry method of a computer that can be connected to a plurality of financial service provider server providing a financial asset information inquiry service through a network and a server providing a circuit scenario, A first step of performing a user authentication process when a web agent module execution command for a financial asset inquiry is input; A second step of executing a web browser upon input of a financial asset inquiry command from an authenticated user; Reading out, from the storage means, a traversal scenario of one or more financial service providers selected by the user from the traversal scenario registration list; A fourth step of requesting financial asset information by visiting a corresponding financial service provider server based on the read out circulation scenario through a web browser; And a fifth step of processing the financial asset information received in response to the financial asset information request and displaying the same on the web browser. The method of claim 1, further comprising: displaying a list of traversal scenarios of each of financial service providers if a traversal scenario registration command is received from the authenticated user; Requesting input of account information required by the traversal scenario when selecting any traversal scenario from the list; And registering the corresponding traversal scenario in the traversal scenario registration list when the account information is completed. The method of claim 1 or 2, further comprising the steps of: requesting an institution name of a desired financial service provider if there is a circuit scenario download command from an authenticated user; Requesting to provide a circuit scenario of a financial service provider to the circuit scenario providing server through the web browser when the organization name is input; And registering the traversal scenario transmitted from the traversal scenario providing server in the traversal scenario list. The system of claim 1 or 2, wherein each of the traversal scenarios comprises: A method of retrieving a financial asset, characterized by requiring the entry of account information including at least a customer identification number and a password for identifying customers of a financial service provider. The method of claim 1, wherein the financial asset information displayed on the web browser is processed and classified by at least the account balance, credit card payment amount, loan balance, insurance payment amount, mileage points, cyber money, credit card use accumulated points for each financial institution Characterized by a financial asset inquiry method. The method according to claim 1, wherein the traversal scenario list is downloaded from the traversal scenario providing server through a network together with a web agent application program for inquiring a financial asset and stored in the storage means. The method of claim 1, wherein the executed web browser is displayed on the display unit of the computer only when the financial asset information is displayed. A computer-readable recording medium having recorded thereon program data for realizing the method of claim 1. A financial asset inquiry system connectable to a plurality of financial service provider servers that provide financial inquiry services through a network, Run a web browser to retrieve financial asset information and automatically enter the necessary information for financial asset inquiry by reading the web page of the designated financial service provider server according to a predetermined circulation scenario through the executed web browser. A web agent module which controls the web browser to obtain predetermined financial asset inquiry information; URL information of each site necessary for querying the financial asset information, and at least the identification information and password of the customer required for querying the financial asset information of the financial service provider, the web agent application to control the web browser Storage means for storing a plurality of traversal scenarios defining a necessary method and a control procedure; And a higher processor which receives the financial asset inquiry information from the web agent module and displays the financial asset inquiry information on the web browser.