KR100946419B1 - System for Providing Internet Banking User Interface - Google Patents

Abstract

The present invention relates to a method and system for providing an internet banking user interface and a recording medium therefor. The system for providing an internet banking user interface according to the present invention includes a predetermined area on a web page outputted to a web browser of a customer terminal used by an internet banking customer. Is inputted to the financial transaction information corresponding to a predetermined transaction type, or outputs a financial transaction result (or various financial information for the customer), and operates at least in conjunction with a security module provided in the customer terminal. A database that stores a component (or template) including one or more tag strings (or codes), and a component that outputs the list of components (or templates) to a predetermined area on a web page provided to the customer terminal in connection with the database. (Or template) list area, wherein And an internet banking screen area for outputting at least one component (or template) configuration information corresponding to the screen configuration of the internet banking web page provided to the customer terminal in a predetermined area other than the component (or template) list area. Delete (or move) or edit at least one component (or template) included in the internet banking screen area, or edit the at least one component (or template) included in a component (or template) list area on the internet banking screen. Web page operation means for providing a web page including the user interface to edit in addition to the area to the customer terminal, and the screen configuration of the Internet banking web page using the user interface and the component (or template) list in the customer terminal If edited, the edited at least one At least one component (or template) based on information receiving means for receiving the above component (or template) configuration information and component (or template) location information on the screen of the Internet banking web page, and the component (or template) location information. Validity confirming means for confirming whether or not a region is overlapped (or cut off) on the screen of the Internet banking web page, and if the validity is confirmed, customer information and the received at least one component (or template) configuration information and a component (or Template) and information storage means for storing the location information in association with the storage medium.

Internet Banking, User Interface

Description

System for Providing Internet Banking User Interface {System for Providing Internet Banking User Interface}

1 is a diagram illustrating an internet banking screen production system for providing a user-made internet banking UI according to an embodiment of the present invention.

2 is a diagram illustrating an information registration process for providing a user-made internet banking UI according to an embodiment of the present invention.

3 is a diagram illustrating a configuration of an internet banking system for providing a user-created UI according to an embodiment of the present invention.

4 is a diagram illustrating an operation flow of an internet banking system for providing a user-created UI according to an embodiment of the present invention.

<Description of main parts of drawing>

100: internet banking screen production server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: template confirmation unit

130: Template D / B 135: Screen D / B

140: customer terminal

The present invention is output in a predetermined area on the web page output to the web browser of the customer terminal used by the Internet banking customer, input the financial transaction information corresponding to the preset transaction type, or the financial transaction results (or various information about the customer And a database storing components (or templates) including at least one tag string (or code) that operates in conjunction with a security module provided in the client terminal, and the customer in connection with the database. A component (or template) list area for outputting the component (or template) list in a certain area on a web page provided to a terminal, and providing the user terminal in a certain area other than the component (or template) list area; At least one corresponding to the screen configuration of the Internet banking web page An internet banking screen area for outputting component (or template) configuration information, and deleting (or moving) at least one component (or template) included in the internet banking screen area for editing, or component (or template) A web page operating means for providing a web page including a user interface for adding and editing at least one component (or template) included in a list area to the internet banking screen area to the customer terminal, and at the customer terminal. If you edit the screen configuration of an Internet banking web page using a user interface and a list of components (or templates), the edited at least one component (or template) configuration information and the component (or template) on the screen of the internet banking web page are edited. Information receiving means for receiving location information, Validation means for checking whether at least one component (or template) region is overlapped (or cut) on the screen of the Internet banking webpage based on the component (or template) location information; and when the validity is confirmed, customer information And information storage means for storing the received at least one component (or template) configuration information and component (or template) location information in a storage medium in association with the received at least one component (or template) configuration information.

Due to the rapid development of information and communication technology and the financial industry, various services provided by financial institutions have been provided through the Internet.

However, due to the development of information and communication technology, there is a difficult problem that it is difficult to provide an environment for the convenience of the existing Internet banking environment at the time when the new Internet environment called Web2.0 is encountered.

An object of the present invention for solving the above problems is output to a certain area on the web page output to the web browser of the customer terminal used by the Internet banking customer from the server, input the financial transaction information corresponding to the preset transaction type, Or outputs a financial transaction result (or various financial information about the customer), and stores a component (or template) including at least one tag string (or code) that operates in conjunction with a security module provided in the customer terminal. A component (or template) list area for outputting the component (or template) list in a certain area on a web page provided to the client terminal in association with a database, and a predetermined area other than the component (or template) list area. Screen configuration of the Internet banking web page provided to the customer terminal An internet banking screen area for outputting corresponding at least one component (or template) configuration information, and deleting (or moving) at least one component (or template) included in the internet banking screen area for editing; or Providing a web page to the customer terminal including a user interface for adding and editing at least one component (or template) included in a component (or template) list area to the internet banking screen area, and at the customer terminal If the screen configuration of the Internet banking web page is edited using the user interface and the component (or template) list, the server may display the edited at least one component (or template) configuration information on the server and the components on the screen of the internet banking web page ( Or template) to receive location information Storing the information on the storage medium by associating the customer information with the received at least one component (or template) configuration information and component (or template) location information in a storage medium; and internet banking in a customer terminal used by an internet banking customer. When a web page is requested, the server outputs an Internet banking web page corresponding to the component (or template) configuration information and component (or template) location information associated with the customer information in association with the storage medium to the client terminal. The present invention provides a method for providing an internet banking user interface including a step of processing the same.

The system for providing an internet banking user interface according to the present invention is output in a predetermined area on a web page output by a web browser of a customer terminal used by an internet banking customer, and inputs financial transaction information corresponding to a preset transaction type, or A database that outputs a transaction result (or various financial information about the customer) and stores a component (or template) including at least one tag string (or code) that operates in conjunction with a security module provided in the customer terminal. And a component (or template) list area for outputting the component (or template) list in a predetermined area on a web page provided to the client terminal in association with the database, and other than the component (or template) list area. Internet banking web provided to the customer terminal in a certain area An internet banking screen region for outputting at least one component (or template) configuration information corresponding to the screen configuration, and deleting (or moving) at least one component (or template) included in the internet banking screen region. A web page including a user interface for editing by adding or editing at least one component (or template) included in a component (or template) list area to the internet banking screen area, and providing the web page to the client terminal. Editing the screen configuration of the Internet banking web page using the operation means and the user interface and the component (or template) list, the edited at least one component (or template) configuration information and the Internet banking web The on-screen component of the page (or Fleet) information receiving means for receiving location information and validity of checking whether at least one component (or template) area overlaps (or cuts) on the screen of the Internet banking web page based on the component (or template) location information. And identification means and information storage means for storing customer information and the received at least one component (or template) configuration information and component (or template) location information in association with the customer information and storing the information on a storage medium. It features.

The system for providing an Internet banking user interface according to the present invention, when requesting an Internet banking web page from a customer terminal used by an Internet banking customer, connects the component (or template) configuration information and component associated with the customer information in association with the storage medium. (Or template) characterized in that it further comprises a web page output means for processing to output the Internet banking web page corresponding to the location information to the customer terminal.

Meanwhile, the method for providing an internet banking user interface according to the present invention is output to a predetermined area on a web page that is output from a server to a web browser of a client terminal used by an internet banking customer, and provides financial transaction information corresponding to a preset transaction type. A component (or template) that inputs or outputs a financial transaction result (or various financial information about the customer) and includes at least one tag string (or code) that operates in conjunction with a security module provided in the customer terminal. And a component (or template) list area for outputting the component (or template) list in a predetermined area on a web page provided to the client terminal in association with a database storing the information), and in addition to the component (or template) list area. Internet banking webpage provided to the client terminal in another schedule area Internet banking screen area for outputting at least one component (or template) configuration information corresponding to the screen configuration, and edits by deleting (or moving) at least one component (or template) included in the Internet banking screen area Or providing a web page to the customer terminal including a user interface for adding and editing at least one component (or template) included in a component (or template) list area to the internet banking screen area; If the client terminal edits the screen configuration of the Internet banking web page using the user interface and the component (or template) list, the server can display the edited at least one component (or template) configuration information and the screen of the internet banking web page. Component (or template) location on the desktop Receiving information, storing the information on the storage medium in association with the customer information and the received at least one component (or template) configuration information and component (or template) location information in the server and the customer terminal used by the Internet banking customer Requesting the Internet banking web page, the client terminal is connected to the storage medium and the Internet banking web page corresponding to the component (or template) configuration information and component (or template) location information associated with the customer information is the customer terminal It characterized in that it comprises a step of processing to be output to.

On the other hand, it includes a computer-readable recording medium recording a program for executing the above-described Internet banking user interface providing method.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating an internet banking screen production system for providing a user-made internet banking UI according to an embodiment of the present invention.

In more detail, in FIG. 1, in order to provide the user-made internet banking UI, a predetermined customer terminal 140 accesses a server on the Internet banking screen production system through a predetermined network means to display customer information and at least one web page. At least one template (or component) information corresponding to a template (or component) including corresponding page information, at least one tag string (or code) to be output to the web page, and the template (or component) is outputted. If the screen production information including at least one location information to be provided is provided, the server, the customer information provided from the customer terminal 140, page information corresponding to at least one or more web pages, at least one to output to the web page For a template (or component) containing any of the above tag strings (or code) Screen-processing information including at least one or more template information and at least one positional information on which the template (or component) is to be output is linked to the screen D / B 135 provided on the Internet banking screen-making system. Regarding the configuration of the Internet banking screen production system to store, those skilled in the art to which the present invention belongs, Internet banking screen production system for providing the user-produced Internet banking UI by referring to and modifying the Figure 1 Various implementation methods for the configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, the customer information provided from the customer terminal 140, page information corresponding to at least one web page, at least one tag string to be output to the web page on the Internet banking screen production system shown in FIG. Screen creation information including at least one or more template information corresponding to a template (or component) including at least one code and position information at which the template (or component) is to be output. Components corresponding to at least one or more means or functional configurations for storage in the " internet banking screen production server 100 "

Referring to FIG. 1 according to an embodiment of the present invention, an Internet banking screen production system for providing a user-created Internet banking UI according to the present invention includes at least one customer terminal 140 connected to a predetermined network means; At least corresponding to a template (or component) including customer information transmitted from the customer terminal 140, page information corresponding to at least one or more web pages, and at least one tag string (or code) to be output to the web page. A screen D / B 135 for linking and storing one or more template information and at least one screen production information including at least one location information on which the template (or component) is to be output; and the web at the client terminal 140. Template D / B 130 for storing provided template information corresponding to a template (or a component) to be output on the web page when the page is produced, Is connected to the customer terminal 140 through a predetermined network means, the customer information transmitted through the network means, page information corresponding to at least one or more web pages, at least one tag string to be output to the web page (or Receiving at least one template information corresponding to a template (or component) including at least one template information, and at least one screen production information including at least one location information at which the template (or component) is to be output. And an internet banking screen production server 100 for storing and cooperatively processing the data.

The customer terminal 140 is connected to a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (for example, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) or cable communication network). It comprises at least one wired terminal including a desktop computer or a laptop connected to the Internet banking screen production server 100, or a mobile communication network based on CDMA (Code Division Multiple Access) (or HSDPA (High Speed Downlink) Packet Access) based mobile communication network), or a mobile Internet terminal connected to the IEEE 802.16x-based high-speed wireless Internet, or at least one WLAN terminal connected to the IEEE 802.11x-based WLAN network It characterized in that it comprises at least one or more wireless terminal, the customer terminal 140 is the Internet bank Outputs at least one Internet banking web page production interface screen provided by the screen production server 100, and inputs or selects at least one or more information through the Internet banking web page production interface screen to generate the Internet banking screen production server 100. It is desirable to have a functional configuration (e.g., a browser program and a communication function) for transmission to the network.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the customer terminal 140 corresponding to at least one or more wired terminals or wireless terminals, so the detailed description thereof is omitted for convenience. do.

According to an embodiment of the present invention, when the customer terminal 140 is a wired terminal, the network means includes the TCP / IP-based wired communication network, and when the customer terminal 140 is a wireless terminal, The network means preferably comprises at least one of the CDMA-based (or HSDPA-based) mobile communication network, IEEE 802.16x-based high-speed wireless Internet, or IEEE 802.11x-based wireless LAN communication network.

The screen D / B 135 provided on the Internet banking screen production system according to the present invention outputs customer information transmitted from the customer terminal 140, page information corresponding to at least one web page, and the web page. Linking at least one template information corresponding to a template (or component) including at least one tag string (or code) to be performed, and screen production information including at least one location information on which the template (or component) is to be output It is characterized by processing and storing.

In addition, the screen D / B 135 according to the present invention may be provided in a web server that provides an internet banking service to which the customer terminal 140 connects, or a DBMS (DataBase Management System) on the internet banking screen production system. ) May be provided, and the present invention is not limited thereto.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). It is preferable that the at least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system of the financial institution in response to the customer.

Preferably, the page information includes at least one of a classification number and a file name of a web page provided to the customer by the web server when the customer accesses a web server providing an internet banking service. It may be changed according to the intention and purpose of those skilled in the art.

The template information may include a name corresponding to a template (or a component) to be output to a web page corresponding to the page information in a predetermined area corresponding to the location information, a link address corresponding to a file or a web address, a source code, and the like. It is preferable to comprise at least one, and may be changed according to the intention and purpose of those skilled in the art.

The location information may include a coordinate value of a location (that is, a location based on the web page) for outputting the template to a predetermined area of the web page corresponding to the page information when the customer registers the template. It may be changed according to the intention and purpose of those skilled in the art.

The template D / B 130 provided on the Internet banking screen production system according to the present invention provides a template (or component) to be output on the web page when the web page is produced by the customer terminal 140. And storing the template information.

In addition, the template D / B 130 according to the present invention may be provided in a web server that provides an Internet banking service to the customer terminal 140, DBMS (DataBase Management System) on the Internet banking screen production system It may be provided in, thereby the present invention is not limited.

The providing template information corresponds to an output target template to be output to a predetermined area corresponding to the location information on the web page when the web page corresponding to the page information is produced through the customer terminal 140, and the Internet banking web. When the page is produced, it is preferable to include at least one or more of a name, a link address corresponding to a file or a web address, a source code, etc. provided by an institution provided with the internet banking screen production server 100, It may be changed according to the intention and purpose of those skilled in the art.

According to the method of the present invention, the internet banking screen production server 100 is predetermined with the customer terminal 140 through the network means to provide a web interface corresponding to the customer terminal 140 and the network means. And an interface unit 105 (or interface means) for connecting and managing a communication channel of the communication channel. Thus, the internet banking screen production server 100 is connected to the customer terminal 140 with a wired communication network or wirelessly. It has the function of a web server that is connected through a communication network.

According to an exemplary embodiment of the present invention, when the customer terminal 140 is a wired terminal to which a communication channel is connected through a TCP / IP-based wired communication network, the interface unit 105 is connected to the client terminal 140 and HTTP ( Connect a predetermined communication channel based on the Hyper-Text Transfer Protocol protocol, and through the communication channel, an Internet banking web page production interface screen in the form of a document compatible with HTML (Hyper-Text Markup Language) to the client terminal 140 or Transmits and outputs an information providing screen, predetermined customer information input (or selected) from the customer terminal 140 through the internet banking webpage creation interface screen, page information corresponding to at least one webpage, and the web; At least one template information corresponding to a template (or component) containing at least one tag string (or code) to be output on the page , It is preferred to perform the function of the template (or component) receiving the screen manufacturing information including the at least one position information to the output process.

According to another embodiment of the present invention, when the customer terminal 140 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 105 is connected to the customer terminal 140 and WAP (Wireless). Connect a predetermined communication channel based on Application Protocol (ME) or Mobile Explorer (ME) protocol, and create an Internet banking webpage in the form of a WML (Wireless Markup Language) or HTML compatible document to the customer terminal 140 through the communication channel. Transmits and outputs an interface screen or an information providing screen, and transmits predetermined customer information corresponding to the internet banking web page production interface screen, page information corresponding to at least one web page, and the web page from the customer terminal 140. At least one corresponding to a template (or component) containing at least one tag string (or code) to output It is preferable to perform a function of receiving and processing screen creation information including at least one template information and position information at which the template (or component) is to be output.

According to another exemplary embodiment of the present invention, when the customer terminal 140 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 105 may be connected to the customer terminal 140. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmit a predetermined Internet banking webpage production interface screen or an information providing screen to the customer terminal 140 through the communication channel. Outputs the predetermined customer information corresponding to the internet banking web page creation interface screen from the customer terminal 140, page information corresponding to at least one or more web pages, and at least one tag string to be output to the web page (or At least one template information corresponding to a template (or component) including code), and the template (or component) It is preferable to perform a function of receiving and processing the screen production information including at least one or more position information to be outputted, or the customer terminal 140 is connected to a communication channel through an IEEE 802.11x-based wireless communication network In the case of a wireless terminal, the interface unit 105 connects a predetermined communication channel with the customer terminal 140 based on a wireless protocol corresponding to the IEEE 802.11x standard, and the customer terminal 140 through the communication channel. ) Transmits and outputs a predetermined Internet banking webpage production interface screen or information providing screen, and transmits to the predetermined customer information corresponding to the Internet banking webpage production interface screen from at least one or more webpages. A template containing corresponding page information and at least one tag string (or code) to be output on the web page. To carry out at least one of the template information and the functions of: receiving process for making the screen information comprises at least one location information is to be output the template (or component) which corresponds to (or component) is preferred.

Referring to FIG. 1, the internet banking screen production server 100 is connected to the internet banking screen production server 100 through a predetermined client terminal 140 through the interface unit 105. A template (or component) including predetermined customer information, page information corresponding to at least one web page, and at least one tag string (or code) to be output to the web page in conjunction with the customer terminal 140. Input (or select) template information for at least one template information corresponding to and to display (or select) screen production information including at least one location information on which the template (or component) is to be outputted. Interface providing unit 110 (or print) to generate (or extract) a predetermined Internet banking web page production interface screen including Interface information means, web page operation means) and the customer information to be input (or selected) transmitted by the customer terminal 140 through the Internet banking web page production interface screen in conjunction with the interface unit 105, at least Page information corresponding to one or more web pages, at least one template information corresponding to a template (or component) including at least one tag string (or code) to be output to the web page, and the template (or component) An information receiver 115 (or an information receiver) for receiving screen production information including at least one location information to be output; and the screen production information corresponding to the screen production information received through the information receiver 115. The information storage unit checks the location and type of the template for the template located in a certain area of the included webpage. The template checking unit 125 (or template checking means) provided to the 120, template information corresponding to the received web page from which the template is confirmed, and location information corresponding to the web page to which the template is output. And an information storage unit 120 (or information storage means) for storing the information on the screen D / B 135 in association with page information and customer information to be provided with the web page.

The interface providing unit 110, when a predetermined customer terminal 140 is connected to the Internet banking screen production server 100 through the interface unit 105, the functional configuration provided in the customer terminal 140 (for example A template including predetermined customer information, page information corresponding to at least one web page, and at least one tag string (or code) to be output to the web page in response to a browser program provided in the client terminal 140). Input (or select) at least one template information corresponding to (or a component) and at least one screen production information including at least one location information on which the template (or component) is to be outputted, and display the Internet banking screen through the network means. A predetermined internet banking webpage production interlink containing template information for producing the webpage that can be transmitted to the production server 100. Create a face screen, or extract from a predetermined database (not shown), and the customer terminal via the network means the Internet banking web page production interface screen generated (or extracted) in conjunction with the interface unit 105 It is characterized in that the provision to 140.

The web document generated by the interface providing unit 110 may include a template (or component) list area for outputting at least one template (or component) list, and a predetermined area other than the template (or component) list area. An internet banking screen area for outputting at least one template (or component) configuration information corresponding to a screen configuration of an internet banking web page provided to the customer terminal 140, and at least one or more included in the internet banking screen area At least one user interface for editing by deleting (or moving) a component (or template) or by adding at least one component (or template) included in a component (or template) list area to the internet banking screen area for editing. It is preferable to comprise as mentioned above.

Thereafter, the client terminal 140 may include predetermined customer information, page information corresponding to at least one or more webpages, and at least one or more tag strings (or codes) to be output to the webpage based on the Internet banking webpage creation interface screen. Input (or select) screen production information including at least one template information corresponding to a template (or component) including at least one of the at least one template information and at least one location information at which the template (or component) is to be output; At least one page information corresponding to at least one web page, at least one template information corresponding to a template (or component) to be output on the web page, and at least one location information on which the template (or component) is to be output. When it is confirmed that the screen production information is input (or selected), the customer terminal 140 A template (or component) including the customer information input (or selected) via the network means, page information corresponding to at least one or more web pages, and at least one tag string (or code) to be output to the web page. Transmits screen creation information including at least one template information corresponding to the at least one template information and at least one location information on which the template (or component) is to be output to the internet banking screen production server 100.

Those skilled in the art to which the present invention pertains, the customer information through the at least one form (Form) included in the Internet banking web page production interface screen in the customer terminal 140, at least one or more At least one template information corresponding to a template (or component) including page information corresponding to a web page, at least one tag string (or code) to be output to the web page, and the template (or component) to be outputted. Technical features for inputting (or selecting) screen-making information including at least one location information, corresponding customer information input (or selected) via a communication protocol provided by the network means, and corresponding to at least one webpage. Page information, at least one tag string (or code) to be displayed on the web page Screen creation information including at least one or more template information corresponding to a template (or component) including at least one or more location information where the template (or component) is to be outputted to the internet banking screen production server 100. Since you will be familiar with the technical features of the transmission, a detailed description thereof will be omitted for convenience.

The information receiver 115 may include predetermined customer information, page information corresponding to at least one or more webpages, and at least one or more tags to be output to the webpage through the Internet banking webpage creation interface screen in the customer terminal 140. Input (or select) screen creation information including at least one template information corresponding to a template (or component) including a character string (or code), and at least one location information on which the template (or component) is to be output; When transmitting through the network means, in conjunction with the interface unit 105 includes the customer information, page information corresponding to at least one or more web pages, at least one tag string (or code) to be output to the web page At least one template information corresponding to a template (or component); Receive screen creation information including at least one location information on which the fleet (or component) is to be output; and output the received customer information, page information corresponding to at least one web page, and the web page. The template includes at least one template information corresponding to a template (or component) including at least one tag string (or code), and at least one screen creation information including at least one location information on which the template (or component) is to be output. Provided to the identification unit 125.

The validity checker 125 includes the customer information received through the information receiver 115, page information corresponding to at least one webpage, and at least one tag string (or code) to be output to the webpage. At least one or more templates included in the page information corresponding to at least one template information corresponding to a template (or component) and at least one screen information including at least one location information on which the template (or component) is to be output. (Or component) area is characterized in that whether to overlap (or cut) on the screen of the Internet banking web page.

According to an exemplary embodiment of the present invention, the method of checking the validity of the template (or component) may include: when the information included in the screen production information received from the customer terminal 140 is HTML code, the position on the HTML code. It is preferable to check the presence or absence of overlapping (or cutting) with reference to the portions indicating the and regions.

According to another exemplary embodiment of the present invention, a method of checking the validity of the template (or component) may include: when the information included in the screen production information received from the customer terminal 140 is a code written in java, the java It is preferable to check the overlapping (or truncation) state by referring to the position indicating a position and a region located in a certain region near the instruction portion outputting a template among the codes written in.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of how to check the validity of the template (or component) with or without overlapping (or cutting), because the detailed description Is omitted for convenience.

The information storage unit 120 may include template information corresponding to the received web page, the template information corresponding to the received web page, location information, page information corresponding to the web page on which the template is to be output, customer information to be provided with the web page, It is characterized by storing in the screen D / B (135) by the cooperative process.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). It is preferable that the at least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system of the financial institution in response to the customer.

Preferably, the page information includes at least one of a classification number and a file name of a web page provided to the customer by the web server when the customer accesses a web server providing an internet banking service. It may be changed according to the intention and purpose of those skilled in the art.

The template information may include a name corresponding to a template (or a component) to be output to a web page corresponding to the page information in a predetermined area corresponding to the location information, a link address corresponding to a file or a web address, a source code, and the like. It is preferable to comprise at least one, and may be changed according to the intention and purpose of those skilled in the art.

The location information may include a coordinate value of a location (that is, a location based on the web page) for outputting the template to a predetermined area of the web page corresponding to the page information when the customer registers the template. It may be changed according to the intention and purpose of those skilled in the art.

2 is a diagram illustrating an information registration process for providing a user-made internet banking UI according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates a method for providing a user-produced Internet banking UI to the Internet banking screen production server 100 by a client terminal 140 on the Internet banking screen production system shown in FIG. At least one template information corresponding to a template (or component) including customer information, page information corresponding to at least one web page, at least one tag string (or code) to be output to the web page, and the template ( Or component), when the screen production information including at least one location information to be output is transmitted, the Internet banking screen production server 100, the customer information, page information corresponding to at least one web page, the web page Template (or component) containing at least one tag string (or code) to output to This is about a process of linking at least one template information corresponding to and at least one screen production information including at least one location information on which the template (or component) is output and storing the same on the screen D / B 135. Those skilled in the art to which the present invention pertains may refer to various modifications of the information registration process for providing a user-produced Internet banking UI by referring to or modifying the present invention. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the Internet banking screen production server 100 on the Internet banking screen production system shown in FIG. 1 is referred to as a “server” for convenience, and the customer terminal 140 on the Internet banking screen production system shown in FIG. ) Is called a "terminal" for convenience.

Referring to FIG. 2, a terminal on the Internet banking screen production system shown in FIG. 1 connects to a communication channel for providing a user-made internet banking UI by accessing the server through the network means (200).

According to an exemplary embodiment of the present invention, the communication channel connection process may further include at least one process of logging in to the server from the terminal, or registering a member to the server from the terminal. In the process, customer information corresponding to the terminal is extracted (or obtained).

If the person skilled in the art to which the present invention pertains, the terminal connects to the server according to the communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means and the user-produced Internet. Since you will be familiar with the technical features of connecting a communication channel for providing a banking UI, a detailed description thereof will be omitted for convenience.

When the communication channel for providing the user-made internet banking UI is connected between the terminal and the server as described above, the terminal is the Internet banking web page production interface for providing the user-made internet banking UI to the server through the communication channel Requesting a screen (205), and correspondingly, the server includes the customer information, page information corresponding to at least one webpage, and at least one tag string (or code) to be output to the webpage. Internet banking comprising at least one template information corresponding to a template (or component) and a user interface for inputting (or selecting) screen creation information including at least one location information on which the template (or component) is to be output. Create (or extract) a web page creation interface screen (210) It generates and transmits (or extracts) the banking web page authoring interface screen to the user terminal via the communication channel 215.

Thereafter, the terminal includes at least one template corresponding to a template (or component) including the customer information, page information corresponding to at least one web page, and at least one tag string (or code) to be output to the web page. The customer information through the user interface included in the internet banking webpage creation interface screen for inputting (or selecting) screen production information including at least one piece of information and location information on which the template (or component) is to be output; Page information corresponding to at least one web page, at least one template information corresponding to a template (or component) including at least one tag string (or code) to be output to the web page, and the template (or component) Include at least one location information to be output The screen production information is processed to be input (or selected) (220).

At least one or more template information corresponding to a template (or component) including the customer information, page information corresponding to at least one web page, and at least one tag string (or code) to be output to the web page in the terminal. And when screen creation information including at least one or more location information for outputting the template (or component) is input (or selected) (225), the terminal transmits the customer information to the server through the communication channel. At least one template information corresponding to a template (or component) including page information corresponding to at least one web page, at least one tag string (or code) to be output to the web page, and the template (or component) Transmitting screen production information including at least one location information to be output (230); In response, the server corresponds to a template (or component) including the received customer information, page information corresponding to at least one webpage, and at least one tag string (or code) to be output to the webpage. The validity of the web page corresponding to the page information is checked in response to the screen creation information including at least one or more template information and at least one location information on which the template (or component) is to be output (235).

According to an exemplary embodiment of the present invention, the method of checking the validity of the template (or component) may include: when the information included in the screen production information received from the customer terminal 140 is HTML code, the position on the HTML code. It is preferable to check the presence or absence of overlapping (or cutting) with reference to the portions indicating the and regions.

According to another exemplary embodiment of the present invention, a method of checking the validity of the template (or component) may include: when the information included in the screen production information received from the customer terminal 140 is a code written in java, the java It is preferable to check the overlapping (or truncation) state by referring to the position indicating a position and a region located in a certain region near the instruction portion outputting a template among the codes written in.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of how to check the validity of the template (or component) with or without overlapping (or cutting), because the detailed description Is omitted for convenience.

Subsequently, the server processes the template information corresponding to the received web page from which the template is confirmed, the location information in association with the page information corresponding to the web page to which the template is output, and the customer information to be provided with the web page. The data is stored in the screen D / B 135 (240).

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). It is preferable that the at least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system of the financial institution in response to the customer.

Preferably, the page information includes at least one of a classification number and a file name of a web page provided to the customer by the web server when the customer accesses a web server providing an internet banking service. It may be changed according to the intention and purpose of those skilled in the art.

The template information may include a name corresponding to a template (or a component) to be output to a web page corresponding to the page information in a predetermined area corresponding to the location information, a link address corresponding to a file or a web address, a source code, and the like. It is preferable to comprise at least one, and may be changed according to the intention and purpose of those skilled in the art.

The location information may include a coordinate value of a location (that is, a location based on the web page) for outputting the template to a predetermined area of the web page corresponding to the page information when the customer registers the template. It may be changed according to the intention and purpose of those skilled in the art.

3 is a diagram illustrating a configuration of an internet banking system for providing a user-created UI according to an embodiment of the present invention.

More specifically, Figure 3 provides a user-made UI (User Interface), characterized in that to provide an Internet banking service for providing a user-created UI to the at least one customer terminal 360 from a predetermined web server 300 As an Internet banking system configuration for the present invention, those of ordinary skill in the art to which the present invention pertains, refer to and / or modified the present Figure 3 for the Internet banking system configuration for providing the user-made UI Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 3 according to an embodiment of the present invention, the Internet banking system for providing a user-created UI includes at least one customer terminal 360 having a predetermined web browser, and the customer through a predetermined communication network. A web server 300 that operates a website for providing an Internet banking service that provides a user-made UI to the terminal 360, and a financial system 355 that provides a financial transaction service in connection with the web server 300. It is preferable that the web server 300 comprises an internet banking server for providing an internet banking service for providing the user-made UI to the customer terminal 360.

The customer terminal 360 is a generic term for a terminal device, which connects a communication channel for an internet banking service providing the user-created UI by connecting to at least one web server 300 through a predetermined communication network. To this end, the customer terminal 360 comprises a network communication function for accessing a predetermined communication network and at least one web browser, such as a desktop computer having the network communication function and a web browser. It is preferable to include at least one or more of a fixed terminal, a semi-fixed terminal such as a notebook, or a portable / portable portable terminal.

According to an embodiment of the present invention, the customer terminal 360 preferably comprises at least one wired terminal connected to a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network. It is preferable to connect the communication channel for the Internet banking service providing the user-made UI with the web server 300 according to a Hyper-Text Transfer Protocol (HTTP) compatible protocol.

According to another exemplary embodiment of the present invention, the customer terminal 360 may include a code division multiple access (CDMA) / wide-CDMA (WCDMA) based wireless communication network, an IEEE 802.11x based wireless communication network, or an IEEE 802.16x based wireless communication network. At least one wireless terminal connected to any one of the wireless communication network is preferably made, and the web server 300 and the user-created UI in accordance with the Hyper-Text Transfer Protocol (HTTP) compatible protocol provided in the communication network It is preferable to connect a communication channel for the Internet banking service providing a.

After the web server 300 and the communication channel for the Internet banking service providing the user-created UI is connected, the customer terminal 360 is the user-created UI from the web server 300 through the communication channel Receive HTML (Hyper-Text Markup Language) compatible web documents (eg * .html, * .htm, * .asp. * .Jsp, * .xml, * .wml, etc.) for Internet banking services that provide The received web document is output through a web browser provided in the customer terminal 360.

If one of ordinary skill in the art to which the present invention pertains, the customer terminal 360 connects the communication channel for the Internet banking service providing the web server 300 and the user-created UI, and the web Since it will be familiar with the technical features of receiving the web document for the Internet banking service providing the user-made UI from the server 300 and output through the web browser, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the web document received through the communication channel to the customer terminal 360 is at least one or more inputting predetermined financial transaction request information for the Internet banking service providing the user-created UI It is preferable to include a user interface, and when the financial transaction request information is input through the user interface, the customer terminal 360 transmits the financial transaction request information to the web server 300 through the communication channel. It is desirable to.

The web server 300 stores web operation data including at least one web document source and digital content for generating at least one web document for an internet banking service providing the user-created UI. It is characterized by comprising a DBMS (DataBase Management System) having / B.

According to an exemplary embodiment of the present invention, the web document source of the web operation data is provided by the web server 300 to at least one or more customer terminals 360 for the Internet banking service for providing the user-created UI. It is preferable to include an HTML-compatible tag and various script codes for generating the data, and the data content preferably includes at least one or more image content, sound content, and multimedia content to be included in the web document.

Those skilled in the art to which the present invention pertains, at least one web document for the Internet banking service providing the user-created UI including the web document source and digital content included in the operation data Since it will be familiar with the technical features that are generated, a detailed description thereof will be omitted for convenience.

In addition, the DBMS provided in the web server 300 includes a template (or component) D / B for storing at least one or more provisioning template information corresponding to a template (or component) to be provided to the customer terminal 360. Characterized in that made.

According to an embodiment of the present invention, the providing template information may include at least one source code, link address, file name, file location, etc. corresponding to a template (or component) to be provided to the customer terminal 360. desirable.

Here, the provision template information corresponds to an output target template (or component) to be output to a predetermined area corresponding to the location information on the web page when the web page corresponding to the page information is produced through the customer terminal 360. When the Internet banking web page is produced, at least one of a name, a file address or a link address corresponding to a file or a web address provided by an institution provided with the Internet banking screen production server is provided. It is preferably made, and may be changed according to the intention and purpose of those skilled in the art.

According to an embodiment of the present invention, the DBMS further includes at least one web service related information (eg, member information for membership web service) in addition to the web operation D / B or template (or component) D / B. However, those skilled in the art to which the present invention pertains can easily infer various kinds of information or contents additionally stored in the DBMS corresponding to each web server 300 application field. Since it may be, a detailed description thereof will be omitted for convenience.

According to the present invention, the web server 300, customer information for the Internet banking service providing the user-created UI, page information corresponding to at least one or more web pages, templates (or components) to be output to the web page A screen D / B 350 configured to store at least one template information corresponding to the (or component) and at least one screen production information including at least one location information on which the template (or component) (or component) is to be output. It is preferable to make it.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). And at least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 355 of the financial institution in response to the customer. desirable.

The page information may include at least one or more of a classification number, a file name, etc. for a web page provided to the customer by the web server 300 when the customer accesses a web server 300 providing an internet banking service. It is preferable to include, and may be changed according to the intention and purpose of those skilled in the art.

The template information is a link corresponding to a name, a file, or a web address corresponding to a template (or component) (or component) that the customer outputs in a predetermined area corresponding to the location information on a web page corresponding to the page information. It is preferable to include at least one address, source code, and the like, and may be changed according to the intention and purpose of those skilled in the art.

The location information is a location (ie, a location based on the web page) for outputting the template (or component) to a predetermined area of the web page corresponding to the page information when the customer registers the template (or component). It is preferable to include the coordinate value, and may be changed according to the intention and purpose of those skilled in the art.

According to one embodiment of the invention, the screen D / B 350 is preferably provided on a DBMS provided in the web server (300).

According to another exemplary embodiment of the present invention, the screen D / B 350 is provided on the side of a predetermined affiliated with the web server 300, or the web server 300 is accessed through a predetermined communication network. It is possible to be provided in a separate DB server as possible, whereby the present invention is not limited.

Referring to FIG. 3, the web server 300 connects a communication channel for an internet banking service that provides the user-created UI to at least one or more customer terminals 360, and the user-produced user through the communication channel. And a web interface unit 305 (or web interface means) for providing at least one web document corresponding to a web page for an internet banking service providing a user interface to the customer terminal 360. The web interface unit 305 may receive the financial transaction request information through the communication channel when transmitting the predetermined financial transaction request information from the customer terminal 360.

The web interface unit 305 is a web page to be provided to the customer terminal 360 for the Internet banking service for providing the user-made UI in accordance with the HTTP compatible protocol provided in the communication network connected to the customer terminal 360 Establish and maintain a communication channel for providing a corresponding at least one HTML compatible web document (eg, * .html, * .htm, * .asp. * .Jsp, * .xml, * .wml, etc.). It is done.

After the customer terminal 360 and the communication channel are connected, when the web server 300 generates at least one web document corresponding to the web page to be provided to the customer terminal 360, the web interface unit ( 305 transmits the web document to the customer terminal 360 through the communication channel, and outputs the web document through a web browser provided in the customer terminal 360.

If the web document includes a user interface for inputting predetermined financial transaction request information, the web interface unit 305 when the customer terminal 360 inputs and transmits the financial transaction request information through the user interface. Is characterized in that for receiving the financial transaction request information through the communication channel.

Referring to FIG. 3, the web server 300 corresponds to a web page to be provided to the customer terminal 360 for an internet banking service providing the user-created UI in connection with the web operation D / B. Web page operator 315 (or web page operation) for generating at least one HTML compatible web document (e.g., * .html, * .htm, * .asp. * .Jsp, * .xml, * .wml, etc.) The digital content management unit 320 extracting at least one or more digital contents to be included in the web document in connection with the web operation D / B and transmitting the generated web document to the previously transmitted customer terminal 360. Control the generation of at least one web document by the web page operation unit 315 according to a web page operation procedure corresponding to an Internet banking service providing the user-created UI. Or the digital content The web service control unit 310 (or a web service) for controlling the processing unit 320 to extract at least one or more digital content to be included in the generated web document and output the web document to the transmitted customer terminal 360. Control means), wherein the web interface unit 305 communicates the at least one web document generated by the web page operation unit 315 in association with the web service control unit 310. Characterized in that the transmission to the customer terminal 360 through the channel.

The web service control unit 310 is configured to perform the web page operation unit 315 according to a web page operation procedure (or a web page request from the customer terminal 360) corresponding to the Internet banking service providing the user-created UI. And generate at least one web document corresponding to a web page for an internet banking service providing the user-created UI, wherein the web page operation unit 315 is connected to the web service control unit 310. And at least one web document corresponding to a web page for an internet banking service providing the user-created UI.

According to an embodiment of the present invention, the at least one web document corresponding to the web page for the Internet banking service providing the user-created UI, a predetermined financial transaction for the Internet banking service providing the user-created UI It is preferable to include a user interface for inputting request information. When the financial transaction request information is input through the user interface, the customer terminal 360 transmits the financial transaction request information to the web server through the communication channel. 300).

In addition, at least one or more web documents corresponding to the Internet banking service for providing the user-created UI, after receiving at least one or more financial transaction request information from the customer terminal 360 through the communication channel, the financial transaction It is preferable to include predetermined financial transaction result information corresponding to the financial transaction using the request information.

Referring to FIG. 3 according to an embodiment of the present invention, the web page controller 315 may generate a web document including predetermined financial transaction result information corresponding to the financial transaction request. It is preferable that the web page operator 315 controls the user-created UI to be included in the web document generated by the web page manager 315 including the financial transaction result information.

The web document generated by the web page management unit 315 includes at least one digital content link, which corresponds to the digital content link from the customer terminal 360 that receives the web document to the web server 300. When the digital content output request is made, the digital content operation unit 320 outputs at least one digital content corresponding to the digital content link from the web operation D / B, and outputs the output digital content to the web interface unit. By transmitting to the customer terminal 360 through 305, the digital content is included in the web document transmitted to the customer terminal 360, characterized in that the processing to be output.

Referring to FIG. 3, the web server 300 checks the presence or absence of page information corresponding to a web page including a user-produced UI to be output to the customer terminal 360 (or a web page checking unit 325) (or Web page checking means) and page information corresponding to the web page including the user-created UI in the web page checking unit 325, at least one or more template information associated with the confirmed page information; An information extraction unit 330 (or information extraction means) for extracting location information for outputting the template information to a predetermined area on the web page, and a web page corresponding to the extracted page information, template information, and location information. Web page output unit 335 (or web page output means) for generating and outputting, and web page operation procedures corresponding to the Internet banking service providing the user-created UI The web service control unit 310 (or the web) for controlling the web page output unit 335 to generate a web document corresponding to the web page including the user-created UI in connection with the web page operation unit 315. Service control means).

The webpage checking unit 325 may check whether there is page information corresponding to a webpage including a user-produced UI to be output to the customer terminal 360.

According to an exemplary embodiment of the present invention, a method for checking a web page including a user-produced UI to be output to the customer terminal 360 may include requesting a predetermined web page through the customer terminal 360. It is preferable to confirm the presence or absence of the web page through a file name corresponding to the page.

According to another exemplary embodiment of the present invention, a method of checking a web page including a user-produced UI to be output to the customer terminal 360 may include a classification corresponding to a web page requested through the customer terminal 360. It's a good idea to check the webpage using code.

According to another exemplary embodiment of the present invention, a method of checking a web page including a user-produced UI to be output to the customer terminal 360 may include a name of the web page requested from the customer terminal 360 (ie It is preferable to check the presence or absence of a web page through a name classified into another transfer, a new transfer, etc.).

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the method for checking a web page including a user-made UI to be output to the customer terminal 360, Detailed description is omitted for convenience.

When the page information corresponding to the web page including the user-created UI is confirmed by the web page checking unit 325, the information extracting unit 330 may include at least one template information associated with the confirmed page information. And extracting location information for outputting the template information to a predetermined area on the web page.

The web page output unit 335 generates and outputs a web page corresponding to the extracted page information, template information, and location information.

According to an embodiment of the present invention, a method for outputting a web page including the user-created UI may include a predetermined region of the web page to be provided with the extracted template information and the template information to the customer terminal 360. It is preferable to generate a web page corresponding to the location information for output to the output, and to output the generated web page.

According to another embodiment of the present invention, the method for outputting a web page including the user-created UI, the template information extracted by the information extraction unit 330 and the location information of the template (or component) If not, it is preferable to generate a web page corresponding to the information excluding the template (or component) and output the generated web page.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the method for outputting a web page including the user-created UI, detailed description thereof will be omitted for convenience.

The web service control unit 310 is the web page output unit 335 according to a web page operation procedure (or a web page request from the customer terminal 360) corresponding to the Internet banking service providing the user-made UI. And at least one web document corresponding to a bulletin board page for an internet banking service that provides the user-created UI in connection with the web page operation unit 315, wherein the web page output unit ( 335 may generate at least one web document corresponding to the bulletin board page in association with the web page operation unit 315.

According to an embodiment of the present invention, the at least one web document corresponding to the web page for the Internet banking service providing the user-created UI, a predetermined financial transaction for the Internet banking service providing the user-created UI It is preferable to include a user interface for inputting request information. When the financial transaction request information is input through the user interface, the customer terminal 360 transmits the financial transaction request information to the web server through the communication channel. 300).

In addition, the at least one web document corresponding to the Internet banking service providing the user-created UI, after receiving at least one or more financial transaction request information from the customer terminal 360 through the communication channel, the financial transaction It is preferable to include predetermined financial transaction result information corresponding to the financial transaction using the request information.

Referring to FIG. 3 according to an embodiment of the present invention, the web page controller 315 may generate a web document including predetermined financial transaction result information corresponding to the financial transaction request. It is preferable that the web page operator 315 controls the user-created UI to be included in the web document generated by the web page manager 315 including the financial transaction result information.

Referring to FIG. 3, the web server 300 includes an information receiver configured to receive financial transaction request information input (or selected) from the customer terminal 360 through a user interface for inputting predetermined financial transaction request information. 340 (or information receiving means) and a financial transaction through a financial system 355 that provides a financial transaction service in conjunction with the web server 300 in response to the financial transaction request information received by the information receiver 340. And a financial transaction processing unit 345 (or internet banking means) for processing the request information.

The information receiving unit 340 may receive financial transaction request information input (or selected) from the customer terminal 360 through a user interface for inputting predetermined financial transaction request information.

According to the method of the present invention, the customer terminal 360 is predetermined password or security card information or predetermined for checking the validity of the financial transaction request information in the web server 300 to the financial transaction request information It is preferable to further include at least one or more OTP code generated through the One Time Password (OTP) generator to the web server 300 through the communication network.

According to an exemplary embodiment of the present invention, the customer terminal 360 may include at least one encryption method (eg, a symmetric key based encryption method, a public key based encryption method, or an electronic envelope based encryption method). Key exchange based encryption method, or the like, or attach a predetermined electronic signature to the financial transaction request information and transmit the same to the financial transaction server through the communication network. In the case of having at least one encryption key corresponding to an encryption method, or a predetermined public certificate including at least one or more encryption keys, or when the public certificate is provided on a predetermined IC chip (or IC card), A card reader for confirming an authorized certificate provided on the IC chip (or IC card) is provided, or To be the biometric information reader provided for inputting biometric information (e.g., fingerprint, iris, etc.) to the client is preferred.

Those skilled in the art to which the present invention pertains know the technical features of various encryption schemes for encrypting the financial transaction request information and the technical characteristics of attaching a predetermined electronic signature to the financial transaction request information. Therefore, detailed description thereof will be omitted for convenience.

The financial transaction processing unit 345 in response to the financial transaction request information received from the information receiving unit 340 through the financial system 355 to provide a financial transaction service in conjunction with the web server 300 financial transaction request information Characterized in processing.

According to the method of the present invention, the financial transaction request information input through the user interface for inputting the financial transaction request information output in a predetermined area of the web document provided to the customer terminal 360 is the customer terminal 360 When provided to the web server 300 through, the financial transaction processing unit 345 preferably processes the financial transaction request information in association with the financial system 355 in response to the received financial transaction request information. .

Those skilled in the art to which the present invention pertains may include technical features of the financial transaction processing (that is, technical features of a method of providing a financial transaction service to a predetermined customer through Internet banking). As it will be understood, detailed description is omitted for convenience.

The Internet banking system is a predetermined financial system for a computer processing corresponding to a financial transaction (for example, credit, receiving, currency exchange, foreign currency transfer, financial investment) service for providing an internet banking service through the user-created UI ( And 355).

According to an embodiment of the present invention, the financial system 355 is connected to at least one or more window terminals provided at branches (or branches) of the financial institution through a predetermined financial network (for example, a branch network). In addition, it is preferable to provide a ledger management and computer processing function for face-to-face financial transaction processing in connection with the counter terminal for providing an internet banking service through the user-made UI.

In addition, the financial system 355 is at least one financial terminal including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at a branch (or branch) of the financial institution, and / or affiliated with the financial institution At least one financial terminal provided in at least one other financial institution (or branch of another financial institution), and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, a CD common network) Characterized in that it is connected, it is desirable to provide a ledger management and computer processing function for the non-face-to-face financial transaction processing in connection with the financial terminal to provide the Internet banking service through the user-made UI.

In addition, the financial system 355 is characterized in that it is linked to a predetermined Internet banking server, a network connected to the TCP / IP-based backbone network through the Internet banking server to provide an Internet banking service through the user-made UI (Eg, a personal computer equipped with the wired Internet access and browsing function) connected to (eg, wired Internet, and / or IEEE 802.11x based wireless LAN, and / or IEEE 802.16x based portable internet, etc.) Personal computer; PC) and / or laptop, the laptop and / or mobile terminal equipped with the wireless LAN / portable Internet access and browsing function) for ledger management and computer processing for non-face-to-face financial transaction processing. It is desirable to provide.

In addition, the financial system 355 is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, CDMA (through CDMA) to provide an Internet banking service through the user-created UI) Code Division Multiple Access) based mobile communication network, and / or at least one wireless terminal connected to the IEEE 802.16x based mobile Internet and / or DataTAC / Mobitex based wireless data communication network (eg, accessing and browsing the mobile communication network). Integration with Personal Communication System (PCS) and / or Global System for Mobile (GSM) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics) Therefore, it is desirable to provide ledger management and computational processing functions for non-face-to-face financial transaction processing.

In addition, the financial system 355 is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless through the IC chip-based wireless banking server to provide an Internet banking service through the user-made UI. At least one wireless terminal (eg, financial) connected to a network (eg, a code division multiple access (CDMA) based mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex based wireless data communication network) It is desirable to provide a ledger management and computer processing function for non-face-to-face financial transaction processing in connection with a wireless terminal equipped with an IC chip).

In addition, the financial system 355 is characterized in that it is associated with a predetermined telebanking server, a predetermined wired voice call network (eg, through the telebanking server to provide an internet banking service through the user-created UI) At least one wired telephone terminal (e.g., telephone) connected to a public switched telephone network (PSTN), and / or a predetermined wireless voice telephony network (e.g., a code division multiple access (CDMA) based mobile communication network). It is desirable to provide ledger management and computer processing functions for non-face-to-face financial transaction processing in connection with at least one connected wireless communication terminal (e.g., cellular and / or PCS and / or GSM terminal and / or smartphone, etc.). Do.

In addition, the financial system 355 is characterized in that associated with a predetermined home banking server, at least one or more connected to a predetermined home network through the home banking server to provide an Internet banking service through the user-created UI It is desirable to provide a ledger management and computer processing function for non-face-to-face financial transaction processing in connection with home appliances (eg, digital TVs and / or refrigerators connected to home networks).

In addition, the financial system 355 is characterized in that associated with a predetermined TV banking server, the user-made UI to provide an Internet banking service to the predetermined channel through the TV banking server (Return Channel) It is desirable to provide ledger management and computer processing functions for non-face-to-face financial transaction processing in connection with at least one connected digital TV (eg, interactive digital TV, satellite DMB terminal, terrestrial DMB terminal, etc.).

Referring to FIG. 3, the financial system 355 is provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. A computer system comprising: an accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring in at least one branch (or window), an information system for processing a headquarters business, a branch office information support, and a customer information management; Interconnection between the financial system 355 and at least one other financial system 355 (or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking) provided in at least one external communication network. , Wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) And external systems providing various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and / or the financial system 355. An interface module corresponding to a middleware platform that provides interfacing between components in the financial system 355, and predetermined information (e.g., required for performing respective functions in components in the financial system 355). And a database management system (DBMS) including at least one or more databases for storing and managing ledger information, and / or customer information, and / or management information.

According to an embodiment of the present invention, the external system includes a financial transaction processing unit 345 which processes the financial transaction in connection with a predetermined web server 300 to provide an internet banking service through the user-created UI. The financial transaction processing unit 345 may be omitted according to the intention of the person skilled in the art or the characteristics of the financial system 355, and thus the present invention is not limited thereto.

In addition, the financial system 355 is intended by those skilled in the art and / or types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 355 and the purpose of the financial system 355. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 355, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

4 is a diagram illustrating an operation flow of an internet banking system for providing a user-created UI according to an embodiment of the present invention.

In more detail, Figure 4 provides a user-made UI (User Interface), characterized in that to provide an Internet banking service for providing a user-created UI to the at least one customer terminal 360 from a predetermined web server 300 As an operation flow of the Internet banking system for the present invention, those skilled in the art to which the present invention pertains, the operation of the Internet banking system for providing the user-made UI by referring to and / or modifying the present Figure 4 Various implementation methods for the flow may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

For example, those of ordinary skill in the art to which the present invention pertains can refer to and modify the drawings 4a and 4b to modify the order of the operation flow of the Internet banking system for providing the user-made UI. Although the method of implementation may be inferred, the present invention includes all of the methods of inference inferred, and the present invention is not limited thereto.

In addition, if a person having ordinary knowledge in the technical field to which the present invention pertains, the predetermined financial transaction request information and the like are inputted in a web page providing process for providing the user-made UI by referring to and modifying the drawings 4a and 4b. The process of receiving and processing may be easily added, but the present invention omits unnecessary parts for convenience of description for providing a user-made UI to the customer according to the object of the present invention in addition to the processing corresponding to the financial transaction request. The present invention is not limited thereby.

4a and 4b, the customer terminal 360 is referred to as a "terminal" for convenience, and the web server 300 is referred to as a "server" for convenience.

4A and 4B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (400a), the server communicates between the terminal and the server through the browser. (405a), where the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal to the terminal and transmitted to the terminal, the browser provided in the terminal This means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By providing a predetermined script for checking whether to update the information to the terminal, the terminal is equipped with a predetermined security module for Internet banking, or at least one or more whether to update the security module Check (410a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the Internet banking program for at least one or more version information or the last update date information, thereby providing the Internet banking program (or You can check whether or not to renew the security module associated with the Internet banking program).

If a predetermined security module needs to be installed or updated in the terminal (415a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program to install or update the security module. 420a.

If the terminal does not need to install or update the latest version of the Internet banking security module (425a), or if the terminal does not need to load or update the Internet banking security module (415a), the server is mounted on the terminal By activating the security module for the Internet banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server to a secure channel) (430a), where the security channel for Internet banking Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal confirms the digital signature or corresponds to the encryption scheme (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decoding method (or decryption algorithm), and the information (or data) when the terminal provides predetermined information (or data) to the server A predetermined digital signature, or by encrypting and transmitting at least one encryption method (or encryption algorithm), the server verifies the electronic signature or predetermined decryption corresponding to the encryption method (or encryption algorithm). The communication channel means to decode the information (or data) by a method (or a decoding algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). Means a communication channel for decoding the information (or data) by a decryption method (or decryption algorithm), and information (or data) to be provided to the server to transmit predetermined information (or data) from the terminal to the server. ) Attach a predetermined digital signature or at least one When the transmission is encrypted by an encryption method (or an encryption algorithm), the server verifies the electronic signature or transmits the information (or data) by a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). ) Means a communication channel for decoding.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or protection function for the information (or data) by using the certificate of the customer mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (435a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an electronic banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (440a). The server (or the authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (445a).

If the Internet banking customer authentication fails (450a), the server blocks the Internet banking secure channel for the terminal (455a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (450a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (460a), where the Internet banking based The financial transaction channel refers to a communication channel capable of transmitting predetermined information from the terminal to the server or receiving predetermined information from the server.

Thereafter, the terminal requests a web page for using an internet banking service to the server through the financial transaction channel (400b), and the server includes a user-produced UI to be provided to the terminal in response to the request. The page information corresponding to the web page is checked (405b).

According to an exemplary embodiment of the present invention, a method for checking a web page including a user-produced UI to be output to the customer terminal 360 may include requesting a predetermined web page through the customer terminal 360. It is preferable to confirm the presence or absence of the web page through a file name corresponding to the page.

According to another exemplary embodiment of the present invention, a method of checking a web page including a user-produced UI to be output to the customer terminal 360 may include a classification corresponding to a web page requested through the customer terminal 360. It's a good idea to check the webpage using code.

According to another exemplary embodiment of the present invention, a method of checking a web page including a user-produced UI to be output to the customer terminal 360 may include a name of the web page requested from the customer terminal 360 (ie It is preferable to check the presence or absence of a web page through a name classified into another transfer, a new transfer, etc.).

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the method for checking a web page including a user-made UI to be output to the customer terminal 360, Detailed description is omitted for convenience.

If there is no page information (410b), the server processes the financial transaction by providing a general web page to the terminal, and terminates the process of providing a user-created UI.

On the other hand, when there is page information (410b), if the page information corresponding to the web page including the user-created UI is confirmed, at least one template information associated with the confirmed page information, and the template The location information for outputting the information to a predetermined area on the web page is extracted (415b).

Thereafter, the server generates (or extracts) a web page corresponding to the extracted template information and location information for outputting a template (or component) corresponding to the template information, and generates the generated (or extracted web page) terminal. In step 420b, the control unit 420b transmits the data to the processor 420b.

According to an embodiment of the present invention, a method for outputting a web page including the user-created UI may include a predetermined region of the web page to be provided with the extracted template information and the template information to the customer terminal 360. It is preferable to generate a web page corresponding to the location information for output to the output, and to output the generated web page.

According to another embodiment of the present invention, the method for outputting a web page including the user-created UI, the template information extracted by the information extraction unit 330 and the location information of the template (or component) If not, it is preferable to generate a web page corresponding to the information excluding the template (or component) and output the generated web page.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the method for outputting a web page including the user-created UI, detailed description thereof will be omitted for convenience.

Thereafter, the server repeats the above process until the customer connected through the terminal is logged out, and periodically checks the communication channel between the server and the terminal (or in real time) to confirm the logout of the customer. It is desirable to.

According to the present invention, by providing a user-made UI when using the Internet banking service, there is an advantage that can provide a more convenient Internet banking environment.

In addition, the convenient Internet banking environment can induce more customers to use the Internet banking service, thereby reducing the excessive work of the window staff.

Claims (4)

It is output in a certain area on a web page that is output to a web browser of a customer terminal used by an Internet banking customer, and inputs financial transaction information corresponding to a preset transaction type, or a financial transaction result (or various financial information about the customer). A database for storing a component (or template) including at least one tag string (or code) that operates in conjunction with a security module provided in the customer terminal; A component (or template) list area for outputting a list of one or more components (or templates) corresponding to a preset transaction type in a predetermined area on a web page provided to the client terminal in association with the database; And an internet banking screen area for outputting at least one component (or template) configuration information corresponding to the screen configuration of the internet banking web page provided to the customer terminal in a predetermined area other than the component (or template) list area. Delete (or move) or edit at least one component (or template) included in the internet banking screen area, or edit the at least one component (or template) included in a component (or template) list area on the internet banking screen. Web page operating means for providing a web page to the customer terminal, the web page including a user interface to be edited in addition to an area; When the client terminal edits the screen configuration of the Internet banking web page using the user interface and the component (or template) list, the edited at least one component (or template) configuration information and the screen of the internet banking web page are displayed. Information receiving means for receiving component (or template) location information; Validity checking means for checking whether at least one component (or template) region overlaps (or cuts) on the screen of the Internet banking web page based on the component (or template) location information; And And when the validity is confirmed, information storage means for storing the customer information and the received at least one component (or template) configuration information and component (or template) location information in a storage medium in association with each other. Internet banking user interface provision system. The method of claim 1, When a client terminal used by an Internet banking customer requests an Internet banking web page, an Internet banking web corresponding to the component (or template) configuration information and component (or template) location information associated with the customer information in association with the storage medium is provided. Internet banking user interface providing system characterized in that it further comprises a web page output means for processing to output the page to the customer terminal. delete delete

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