KR20010047515A - Cyber Private Banking - Google Patents

Abstract

PURPOSE: A cyber personal bank solution of an internet banking is provided to simply construct a user interface for a beginner, and to construct a site mainly using texts by sublating images. CONSTITUTION: In using an internet banking, an inherent environment is constructed by using a bookmark function. A high quality security/secret certification algorithm is applied for preventing information from being flown out and a hacking. The service is used by connecting all sorts of internet services as an internet banking, an E-commerce, a B2B and an electronic commercial transaction. A wanted service is used as the same interface of a service by taking the service provided from an alliance of an internet banking service provider used by the user to a private banking service.

Description

Cyber Private Banking Solution in Internet Banking

In the whole Internet banking, it provides customized services for each individual environment, and even beginners can easily obtain various services and information desired.

The invention and invention of the service relates to a cyber personal banking solution in Internet banking, and more specifically, the user's needs are diversified more and more in the existing banking operation using the Internet. In order to reflect the fact that it is being upgraded, it does not rely solely on the banking services provided by banks. Instead, it builds or owns its own service network and works with the banking network and personal information security / authentication network. It Yourself) '.

In general, banks simply implement their online banking services using the Internet and provide uniform and fixed services and interfaces, and focus on providing services related to partial inquiry and deposit and withdrawal rather than the actual distribution of electronic money. It is a situation that has been developed. In addition, it is very difficult for a novice user to purchase a product or a product in connection with an online shopping mall online, and it is very difficult to link with an eCommerce, ie, a Business to Business service, which is emerging as a hot issue these days. In order to use these services, it is necessary to construct additional equipment, facilities, and solutions in addition to the banking services of banks that are already in use, and it is not possible to construct their own working environment because they can take unnecessary information uniformly.

However, if you use the above cyber private bank solution technology, you can make all financial services around the world into your own working environment, and easily connect with various solutions already in service or under development such as shopping mall, eCommerce, B2B, etc. You can configure your own work / work environment. In addition, for the leakage or hacking of personal information that may be the most problematic in using the solution using the Internet, the security authentication / password system used in banknotes or the firewall configured separately may be 128 bits or more. The encryption system can be used, so there is no risk of information leakage.

In order to solve the problems described above, the present invention / design is configured to make the user interface (UI) easy to see even for beginners, and to avoid the use of many images for quick access and to focus on text.

Rather than use many services on the Internet banking uniformly, you can select only the most frequently used services and configure the interface that suits your work environment so that you can get all the necessary information in the same interface with one click. We aimed at "One Touch One Interface Total Information Get".

In addition, by introducing the concept of bookmark function of frequently-used homepage in the internet web browser, the internet banking solution selects and bookmarks the service that is frequently used by the user. It aims to 'reduce working time' and achieve true personalization that suits the tastes of individuals.

If you input your basic information only once in the original service main screen, you can get the necessary information from the main server database so that you do not log in to the personal banking solution and use it in the personal banking service. As briefly mentioned above, the three-step security authentication system was used to prevent the leakage of information.

Step 1: Use security / password authentication schemes supported by web browsers such as Internet Explorer 5.0 (40-bit security) and Netscape 4.7 (56-bit security).

Step 2: 56-bit / 64-bit security through firewalls built by banknotes.

Step 3: Use 128-bit / 168-bit security encryption system built separately or using a security certificate server.

As described above, SSL 2.0 and SSL 3.0 are supported using MD5, 40-bit RC2 / RC4 + MD5, 56-bit DES + SHA-1, 128-bit RC2 / RC4 + MD5, and 168-bit Triple DES + SHA-1 message authentication. It is possible to use a combination of RC2 and RC4. At present, 56-bit, 128-bit, and 168-bit security / password authentication algorithms can be used only in the United States. However, the present invention recognizes the importance of information leakage / hacking prevention and can be used in Korea in the future.

1 is an overall network diagram of a personal bank solution

Figure 2 is the main screen of the Internet banking solution

Figure 3 shows the personal bank login screen

4 is a service connection screen

5 shows the reservation transfer history display screen

6 is a transfer history inquiry screen

Figure 7 is a passbook transaction history screen

8 is a transaction display screen

9 is the former account inquiry screen

Figure 10 is a screen transfer to another banknote

11 is a screen for payroll transfer to a bank;

12 is a credit card usage view screen

Figure 13 is a member information input and change screen

14 shows various service inquiry result screens

15 is a screen for managing creditors

Fig. 16 shows another main account transfer screen

Hereinafter, described in detail by the accompanying drawings as follows.

1 is an overall configuration diagram of the service to separate the personal banking services from the entire Internet banking service network so that it is easy to understand the flow of services. For example, when a general user wants to use the banking service by accessing the Internet, it prevents information leakage or hacking when exchanging user information by using a firewall between Internet Banking and Private Banking Service, and Internet Banking and Banking Region. Use the service you want.

Figure 2 is the main screen of the service when looking at the overall configuration there is no difference between the online banking service provided by the banknote.

FIG. 15 is a credit merchant registration screen for inputting various personal information in order to use a personal bank service in a main screen of an internet banking service.

FIG. 16 is a screen of the entire bank account transfer service, in which various transfer services can be added to the personal bank service if necessary.

3 is a login access screen for inputting a user ID and password for using a personal banking service on an Internet banking main screen.

4 is a main screen of the first personal bank service after logging in, and various services registered by the user are displayed in one interface as a bookmark.

5 is a screen for inquiring details reserved by a user for a transfer using a banking service, and can be selected for each account and look at the details for a desired period.

6 is a view of the transfer history substantially made of the transfer history inquiry screen.

7 is a screen for the transaction account inquiry service, you can see at a glance the transaction history of the desired period online without going directly to the bank.

8 is a screen for checking the deposit and withdrawal details of the user can select a specific account from the various accounts owned by the cash and withdrawal history.

9 shows the status of all accounts of the banknotes currently held by the customer.

FIG. 10 is a screen in which a user can select a financial institution that he / she wants to trade on the other account transfer screen to perform an account transfer service.

11 is an example) screen of a bank account transfer to Kookmin Bank.

Figure 12 is a service that can be found online in detail the use / payment history of the credit card through a card company or a bank.

13 is a screen for inputting and modifying user's member information in order to use the Internet banking service. Therefore, in order to use the Internet banking service, this input operation must be preceded.

Fig. 14 shows various inquiry result screens, for example, showing details of transfers to a specific account for three months.

As described above, the present invention avoids the provision of the uniform and fixed service of the existing Internet banking service and thoroughly pursues personalization to provide more various services to the user and use the Internet which will come out in the future. By introducing future-oriented designs and concepts for various services, it is contributing to the improvement of productivity by improving individual business processing ability and efficiency and establishing a work environment suitable for the company in these days when time is money. The ease of use is in the proliferation of Internet services.

Claims (1)

In the use of internet banking, Create a unique work environment by bookmarking the services you need, Supporting the use of high level security / password authentication algorithms beyond general security / password authentication systems to prevent information leakage and hacking, After the step, using the service in conjunction with various Internet services (Internet banking, eCommerce, B2B, e-commerce). Importing a service provided by the Alliance of the Internet banking service provider that the user is using to the Private Banking Service and using the desired service with the same interface.