KR20020077726A - Internet banking transactions system using internet automatic teller machine and method thereof - Google Patents

Abstract

PURPOSE: A financial transaction service system and method is provided to offer an account balance reference, an account transfer or a cash loan service by using an internet ATM(Automatic Teller Machine) downloaded at a user terminal or installed at an internet site. CONSTITUTION: The method comprises steps of a user accessing a web site of a non financial organization offering an internet ATM over the internet(S10, S20), the user selecting one among plural financial institutes displayed at the internet ATM in a case that the user wants an internet banking(S30), the user selecting a corresponding service, for example, an account balance reference or an account transfer(S40), in a case that the user selects an account balance reference, the internet ATM searching for a balance reference service site of the selected financial institute and connecting directly to the searched balance service site(S50, S52), in a case that the user selects an account transfer, the internet ATM searching for an account transfer service site of the selected financial institute and connecting directly to the searched account transfer service site(S60, S62), the user doing a corresponding financial transaction like a conventional internet banking after a connection to the service site(S70), and a server of the financial institute transmitting the transaction result to a user terminal(S80).

Description

INTERNET BANKING TRANSACTIONS SYSTEM USING INTERNET AUTOMATIC TELLER MACHINE AND METHOD THEREOF}

The present invention relates to a financial transaction system and a financial transaction method through the Internet, and more specifically, to an Internet Automatic Teller Machine (ATM) machine or a user installed in a user's PC without directly accessing an Internet banking site of a financial institution server. The present invention relates to a financial transaction system and a financial transaction method using an Internet ATM that enables financial transactions such as balance inquiry and bank transfer using an Internet ATM installed on a website such as a community, a public relations or a portal that is being accessed.

In general, most people do business with one or more financial institutions and therefore have one or more bank accounts and trading accounts. Before the network was developed, users had to visit the bank in which the account was opened in order to see the banking operations such as balance inquiry and bank transfer. However, in recent years, users have to pay a fee, but they do not have to go to other banks. By using an ATM machine installed in a convenience store or a train station, the hassle of having to visit the bank in person is greatly reduced. Moreover, recently, due to the expansion of communication networks and the rapid development of related technologies, financial transactions called telebanking and internet banking have been actively performed. As a result, many people handle most financial transactions at home or office except for cash transactions, and in the future, especially if only the security of financial transactions is ensured, the convenience of internet banking will increase the number of customers who use internet banking. It must be.

In the position of financial institutions such as banks, in order to reduce the number of people who work at bank stores and to reduce the costs, banks are inducing customers to use the Internet banking with the addition of ATMs for cash and check deposits and withdrawals. to be.

Looking at the current Internet financial transaction system using the Internet, as shown in Figure 1, a user uses the user PC 10 to the Internet banking site 32 of the financial institution server 30 through the Internet 20 After logging in and logging in to the financial transaction system, an electronic certificate is issued, electronic authentication is performed, and the financial transaction is performed after entering the bank transfer password and the security card number. In particular, in the case of a customer who has multiple accounts in various banks, each bank handles the financial transaction through the above procedure in order to perform the financial transaction.

On the other hand, as shown in Figure 1, if the Internet user wants to use the Internet banking services while connecting to the non-financial institution server 40, such as community, public relations, portal, etc. You must access an Internet banking site. Accordingly, the financial traders using the Internet are moving from the website of the non-financial institution server 40 to the financial institution internet banking site for internet banking.

However, there are various inconveniences and problems in conventional financial transactions. First, for internet banking, it is necessary to access the internet banking site of a trading financial institution and go through the procedure required by the internet banking site of the transaction target. Secondly, in the Internet banking of a conventional financial institution, there is a problem that Internet banking is impossible or a separate procedure must be executed when using another PC by using information stored only in a predetermined user PC. Third, in order to increase the number of financial transaction users using the Internet, each financial institution continuously promotes the benefits of internet banking. There is a problem that is. Fourth, non-financial institutions 'site access is shortened due to the current increase in Internet banking, which reduces the access time of non-financial institutions' websites, resulting in a decrease in income.

Accordingly, the present invention has been made to solve the above problems, and an object of the present invention is to provide a financial transaction system using an Internet ATM that allows a financial transaction to be directly performed on a user PC or a website that is being accessed, such as an ATM on the Internet. And financial transaction methods.

It is another object of the present invention to provide a financial transaction system and a financial transaction method using an Internet ATM that can make all financial transactions on any site on the Internet, thereby reducing movement on the Internet.

It is still another object of the present invention to share the data of Internet ATMs downloaded and installed on a user's PC and the Internet ATMs accessed through a website, all of them in an Internet financial transaction database of a financial institution, thereby enabling convenient financial transactions. The present invention provides a financial transaction system and a financial transaction method using an Internet ATM that can support the system.

1 is a block diagram showing a general Internet financial transaction system,

2 is a block diagram showing a financial transaction system using an Internet ATM machine according to the present invention;

3 is a block diagram showing in detail the installation of the Internet ATM machine, the flow of Internet banking, the flow of financial institution information in the financial transaction system shown in FIG.

4 is a block diagram showing an Internet ATM machine according to the present invention;

5 is a flowchart of a financial transaction method for executing internet banking using an Internet ATM machine installed on a website according to the present invention;

6 to 10 are implementations virtually executed in a website by an Internet ATM machine according to the present invention.

♣ Explanation of symbols for the main parts of the drawing ♣

110: user PC 120: Internet

130: financial institution server 132: Internet banking site

140: non-financial institution server 150: Internet ATM operating server

In order to achieve the above objects, the financial transaction system using the Internet ATM machine according to the present invention includes: user PCs having an Internet ATM machine for the PC; A plurality of non-financial institution servers connected to user PCs by an Internet communication network and provided with an Internet ATM for a website; An Internet ATM server connected to an Internet ATM machine for PCs of non-financial institution servers and an Internet ATM machine for websites of non-financial institution servers by an Internet communication network; It consists of a large number of financial institution servers connected to Internet ATMs and non-financial institution servers of user PCs by Internet communication network.

The financial transaction method using the Internet ATM according to the present invention comprises: user PCs in which an Internet ATM for a PC is installed; A plurality of non-financial institution servers connected to user PCs by an Internet communication network and provided with an Internet ATM for a website; An Internet ATM server connected to an Internet ATM machine for PCs of non-financial institution servers and an Internet ATM machine for websites of non-financial institution servers by an Internet communication network; Financing of transactions by Internet ATMs through a financial transaction system using Internet ATMs consisting of multiple ATMs connected to Internet ATMs of non-financial institution servers and Internet ATM servers of user PCs by Internet communication network. Selecting an organ; Connecting with the selected financial institution server; Executing a financial transaction at an internet banking site of a connected financial institution server; It transfers the financial transaction executed by the financial institution server to the user's PC.

The present invention can be immediately downloaded from the user's PC without accessing the Internet financial transaction homepage of a financial institution, or by immediately using the Internet ATM machine installed on Internet sites of various non-financial institutions such as community, public relations, portal sites, etc. Services such as cash service can be conveniently integrated.

Internet ATM machine according to the present invention is composed of the selection of financial institutions, balance inquiry in the selected financial institution, account transfer, card cash service and ATM machine usage guide, certificate guide, certificate application, financial institution website link and banner. Such an Internet ATM machine is a new concept of financial transaction system that enables simple and integrated financial transactions over the Internet.

Individuals who wish to use the Internet ATM can download and use it from the Internet ATM information site of the Internet ATM server to the user's PC. Alternatively, sites that wish to install the Internet ATM can be used as separate applets distributed in the desired part of the site. Simply insert the Applet Code to easily install an Internet ATM.

If the user selects the financial transaction service according to the financial institution selected by the user, it directly links to the corresponding service menu of the Internet banking site. Therefore, it does not transmit information such as credit card information and password that must be executed in the existing Internet shopping mall. It does not have to worry about security because it directly exchanges information with a server of a financial institution.If an individual applies for an Internet banking business and receives a certificate from a financial institution, the Internet banking service is provided at the user's PC or any site where an Internet ATM is installed. You can easily and integratedly.

The types of Internet ATMs are classified into ATMs for installing user PCs and ATMs for installing non-financial institutions. The ATM for PC installation is downloaded and installed on the user's PC, and the ATM for site installation is installed by inserting a separate applet code into various Internet sites such as community, public relations, and portal site. The user can use the services of the financial institution immediately without accessing the corresponding internet banking site that wants financial transactions or stopping the access of the non-financial institution that is being accessed and moving to the internet banking site.

ATMs for PC installations and ATMs for site installations can exchange data with each other. That is, since information on the PC installation ATM and the site installation ATM is stored and used in the Internet financial transaction database of all financial institutions, it is possible to execute the Internet financial transaction by receiving the latest updated information using any ATM. On the other hand, the Internet ATM server collects and stores the service information of the financial institution, and provides the service information of the financial institution to the Internet ATM machine installed on the site of the non-financial institution server and the user PCs.

Hereinafter, exemplary embodiments of an internet financial transaction system and a financial transaction method using an Internet ATM according to the present invention will be described in detail with reference to the accompanying drawings.

2 is a view showing the configuration of a financial transaction system using the Internet ATM machine according to the present invention, Figure 3 is the installation of the Internet ATM machine, the flow of Internet banking, the flow of financial institution information in the financial transaction system shown in FIG. It is a block diagram which shows concretely.

First, referring to FIG. 2, an Internet ATM machine for a PC is installed in a user PC 110, and an Internet ATM machine for a website is installed in a non-financial institution server 140. An Internet ATM operating server 150 having an Internet ATM installed therein is connected to a user PC 110 and a non-financial institution server 140 by an Internet communication network 120. From the Internet ATM operating server 150, a user can access an Internet ATM for a PC. Download the machine and install it on the user PC 110, the non-financial institution server 140 inserts a separate applet code to install the Internet ATM machine for the website. Internet banking websites 132-1,..., 132-N of financial institution servers 130-1,..., 130 -N are for PC or when a financial transaction in accordance with the present invention is executed. It is connected to the Internet ATM machine for the website. In addition, the financial institution server (130-1, ..., 130-N) is connected to the Internet ATM operating server 150, the Internet ATM operating server 150 collects and stores the service information of the financial institution In addition, the non-financial institution server 140 and the user information 110 to the Internet ATM installed in the user PC 110 provides the service information of the financial institution. The Internet ATM machine according to the present invention is installed in the user PC 110 and the non-financial institution server 140 so that it is possible to use banking services such as balance inquiry and account transfer service without visiting the Internet banking site of the financial institution server. .

Referring to Figure 3 in more detail, the Internet ATM operating server 150 is connected to a plurality of financial institutions, for example, the first financial institution server 130 financial institution information to collect the information of the financial institution It has a search function and an Internet ATM management function that inserts an applet code when the ATM device is installed from the non-financial institution server 120 or provides an Internet ATM device download service when the PC ATM requests a download from the user PC 110. . In addition, the Internet ATM operation server 150 constructs a database (DB) in order to use a common database of a PC ATM and a website ATM machine. Since both the ATM for PC and the ATM for the website are connected to the financial institution server 130, it is possible to receive the same service using any ATM. Existing PC installation ATM machine using the information stored in its own PC in many cases it is impossible to use depending on the case or place, but there is an advantage that is not limited to the place by using a common database according to the present invention.

Next, with reference to Figure 4 will be described the configuration and availability of the Internet ATM according to the present invention. The Internet ATM machine 200 includes a web page 210 displaying the results of the operation of the Internet ATM machine, a database unit 220 for storing balance inquiry and bank transfer service sites of financial institutions, and a financial institution to execute financial transactions. The financial institution selection inquiry unit 230, the financial institution selection inquiry unit 230, the balance inquiry unit 240 for searching the balance inquiry site of the financial institution selected by the financial institution selection inquiry unit 230, and the financial institution selection inquiry unit 240 The account transfer unit 250 for searching the account transfer site of the institution and the result transfer unit 260 for displaying the searched Internet banking site of the selected financial institution on the web page to connect to the searched site. Internet ATM 200 is programmed to store and manage the electronic certificate of each financial institution and to transmit the customer's account number, ID (ID) and the like to the financial institution server (130).

Hereinafter, a financial transaction method using an Internet ATM machine according to the present invention will be described with reference to FIG. 5.

First, the non-financial institution server 140 that wants to install the Internet ATM machine 200 receives the applet code from the Internet ATM operating server 150 and installs the Internet ATM machine for the website on the website. In this case, in order to provide a financial transaction service, an Internet ATM installed on a website receives and stores service information of a financial institution from the Internet ATM operation server 150.

While the user accesses the Internet (S10) and accesses the website of the non-financial institution server 140 on which the Internet ATM machine 200 is installed (S20), when the user wants to do internet banking, the user appears on the Internet ATM machine 200. Select a financial institution of the transaction (S30). After that, select the balance inquiry or bank transfer that you want to trade and execute the service by clicking (S40).

When the user clicks the balance inquiry, the Internet ATM 200 searches the balance inquiry service site of the selected financial institution in the DB (S50) and directly connects to the retrieved balance inquiry service site (S52). On the other hand, if the user clicks on the wire transfer, the Internet ATM machine 200 retrieves the account transfer service site of the selected financial institution in the DB (S60), and directly connects to the retrieved account transfer service site (S62). The connection method of the Internet banking site using the Internet ATM machine may use a meta tag of Hypertext Markup Language (HTML) or a redirect code of an active server page (PHP) or a PHP.

When the balance inquiry or bank transfer service site to be transacted is performed, the financial transaction of the balance inquiry or bank transfer is executed by the same procedure as in the conventional internet banking (S70), and the financial institution server 130 executes the financial transaction. The result is transmitted to the user PC (S80).

The description of FIG. 5 shows the flow of the financial transaction method according to the present invention when the user is accessing the Internet site. When the Internet ATM is installed in the user PC, step S10 is not executed. Instead of step S20, the PC Internet ATM machine may be operated.

Embodiments executed on the website by the Internet ATM according to the present invention as described above will be described with reference to FIGS. FIG. 6 shows an example in which an Internet ATM machine is virtually installed in a non-financial institution site called http://www.daum.net under the name of "Cool Internet ATM". In this Internet ATM machine 200, a bank can be basically selected, and bank transfer, balance inquiry and credit card cash service functions can be selected. FIG. 7 illustrates a case in which “Chungheung Bank” is selected as one financial institution to be traded among financial institutions and the balance inquiry is selected in FIG. FIG. 8 illustrates the balance inquiry result when an inquiry is executed by inputting required items for the balance inquiry in FIG. Meanwhile, FIG. 9 illustrates an authentication procedure as an example of selecting "Choheung Bank" in FIG. 6 and clicking the bank transfer. Figure 10 shows an example of inputting the required items for account transfer and confirming whether or not remittance is possible.

As described above, according to the financial transaction system and the financial transaction method using the Internet ATM machine according to the present invention, when an internet user needs financial transactions while surfing the Internet, the website currently being visited is not required to visit the website of the financial institution. By using the Internet ATM, banking in the Internet space can be easily processed. In addition, according to the present invention, as an Internet user uses the Internet financial transaction intimately, the financial institution can approach the customer one step closer, and can provide a service for customer satisfaction. In addition, according to the present invention, when using an existing Internet financial transaction, it was possible to visit a site of a financial institution separately by moving a general site, but by installing an Internet ATM machine in the general site, the user was kept on a website so that the user was transferred to another site. It is effective to stay on the site for a long time without being taken away.

Claims (7)

User PCs in which an Internet ATM machine for the PC is installed; A plurality of non-financial institution servers connected to the user PCs by an Internet communication network and provided with an Internet ATM for a website; An Internet ATM server connected to an Internet ATM machine for the PCs of the user PCs and an Internet ATM machine for the websites of the non-financial institution servers by an Internet communication network, and managing the Internet ATM machines for the PC and the website; An Internet financial transaction system using an Internet ATM machine comprising a plurality of financial institution servers connected to the user ATMs, the Internet ATMs of the non-financial institution servers, and the Internet ATM server by an Internet communication network. The method of claim 1, The Internet ATM machine includes a web page displaying the results of the operation of the Internet ATM machine, a database unit for storing the balance inquiry and bank transfer service sites of the financial institution, a financial institution selection inquiry unit for selecting a financial institution to execute a financial transaction; A balance inquiry unit for searching the balance inquiry site of the financial institution selected by the financial institution selection inquiry unit, an account transfer unit for searching the account transfer site of the financial institution selected in the financial institution selection inquiry unit, and the searched site An Internet financial transaction system using an Internet ATM that consists of a result transmitter that displays a web page and links to a searched site. The method according to claim 1 or 2, The Internet ATM server collects and stores service information of the financial institution, and provides an Internet ATM system for providing service information of a financial institution to the Internet ATM installed in the non-financial institution servers and user PCs. A plurality of user PCs equipped with an Internet ATM for the PC, a plurality of non-financial institution servers connected with the user PCs by an Internet communication network, and an Internet ATM machine for a website, and the user PC by an Internet communication network. Internet ATM servers for PCs and Internet ATMs for websites of non-financial institution servers and managing Internet ATMs for PCs and websites, and the user PCs and the non-financial institutions by means of an Internet communication network. Selecting a financial institution to be traded by the Internet ATM for a PC or a website through an Internet financial transaction system including an Internet ATM of servers and a plurality of financial institution servers connected to the Internet ATM server; Connecting with the selected financial institution server; Executing a financial transaction at an internet banking site of the connected financial institution server; Internet financial transaction method using the Internet ATM machine comprising the step of transmitting the financial transaction results executed by the financial institution server to the user's PC. The method of claim 4, wherein The Internet ATM machine includes a web page displaying the results of the operation of the Internet ATM machine, a database unit for storing the balance inquiry and bank transfer service sites of the financial institution, a financial institution selection inquiry unit for selecting a financial institution to execute a financial transaction; A balance inquiry unit for searching the balance inquiry site of the financial institution selected by the financial institution selection inquiry unit, an account transfer unit for searching the account transfer site of the financial institution selected in the financial institution selection inquiry unit, and the searched site Internet financial transaction method using an Internet ATM that consists of a result transmission unit that displays a web page and connects to a searched site. The method of claim 4, wherein The step of connecting to the financial institution server is an Internet financial transaction method using an Internet ATM that is directly connected to the Internet banking site of the financial institution server by selecting the financial institution from the Internet ATM and selecting a desired financial transaction service. The method according to claim 4 or 6, The Internet ATM server collects and stores the service information of the financial institution, and provides an Internet ATM transaction method for providing the service information of the financial institution to the Internet ATM installed in the non-financial institution servers and user PCs.