KR20090018746A - System and method for rebuilding internet banking component(or menu) and recording medium - Google Patents

Abstract

An Internet banking component reconfiguration method capable of offering a customized Internet banking webpage, and a system and a recording medium thereof are provided to output the Internet banking webpage corresponding to component reconfiguration information linked with customer information by linking with a storage medium. A monitor periodically monitors a component frequently used by a customer. An information storing unit stores monitoring result information including component click order or the frequent component to a first storage medium by linking with customer information. A webpage checker checks whether the Internet banking webpage requires component reconfiguration by linking with the first storage medium. An information processor performs the reconfiguration by moving the frequent component to a left side of the Internet banking webpage. The information storing unit links/stores the customer information and the component reconfiguration information to a second storage medium.

Description

 System and Method for Rebuilding Internet Banking Component (or Menu) and Recording Medium}

1 is a diagram illustrating an internet banking monitoring system for providing a customized Internet banking UI according to an embodiment of the present invention.

2 is a view illustrating an operation flow of an internet banking monitoring system for providing a customized 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 customized UI according to an exemplary embodiment of the present invention.

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

<Description of main parts of drawing>

100: monitoring server 105: information receiving unit

110: information analysis unit 115: information storage unit

120: log D / B 125: banking server

130: customer terminal

The present invention provides a sequence of clicking a component (or menu) for an Internet banking webpage provided to a customer terminal, or monitoring processing means for periodically monitoring a component (or menu) frequently used by the customer, and a sequence of clicking the component (or menu). Or information storage means for storing the monitoring result information including at least one or more components (or menus) frequently used by the customer in the storage medium 1 in association with the customer information, and in association with the storage medium 1. Web page checking means for checking whether the component reconstruction included in the Internet banking web page is necessary, and if the component reconfiguration is necessary as a result of the checking, the component (or menu) included in the Internet banking web page according to the component (or menu) click order. Reconfigure the position from left to right (or from top to bottom), Or information processing means for moving a component (or menu) frequently used by the customer to the left (or top) direction on the Internet banking web page and reconstructing the storage medium by linking the customer and the component (or menu) reconfiguration information. 2) an Internet banking component (or menu) reconstruction system having information storage means for storing in 2).

Due to the development of ICT and financial industry, modern society provides financial transaction service in various ways without directly visiting financial institutions such as banks.

However, when using such a financial transaction service, there is a difficult problem in finding a frequently used menu because it provides a fixed Internet banking webpage screen by a method set by a financial institution.

In addition, due to the cumbersome menu search, there is a problem that customers use face-to-face channel services such as visiting counters in some cases rather than non-face-to-face financial transaction services such as Internet banking.

An object of the present invention for solving the above problems is the step of periodically monitoring the component (or menu) click order for the Internet banking web page provided to the customer terminal from the server, or the component (or menu) frequently used by the customer; Storing the monitoring result information on the storage medium 1 in association with the customer information, the monitoring result information including at least one component (or menu) click order on the server, or at least one component (or menu) frequently used by the customer; Checks the monitoring result information associated with the customer information in connection with the storage medium 1, and then includes the component included in the internet banking webpage according to the order of clicking the component (or menu) included in the checked monitoring result information. (Or menu) reposition from left to right (or from top to bottom), Reconstructing the component (or menu) frequently used by the customer included in the confirmed monitoring result information in the left (or top) direction on the Internet banking web page, and reconfiguring the customer information and the component (or Menu) linking the reconstruction information to the storage medium 2 and requesting an Internet banking webpage from a client terminal used by the Internet banking customer, and in connection with the storage medium 2, the server is linked with the customer information. The present invention provides a method for reconfiguring an internet banking component (or menu), which includes processing the internet banking web page corresponding to the component (or menu) reconfiguration information to be outputted to the customer terminal.

Internet banking component (or menu) reconstruction system according to the present invention, the order of component (or menu) click on the Internet banking web page provided to the customer terminal, or monitoring to periodically monitor the component (or menu) frequently used by the customer Information storage means for storing in the storage medium 1 the monitoring result information including at least one processing means and at least one component (or menu) click order or at least one component (or menu) frequently used by the customer. And web page checking means for checking whether component reconstruction included in the internet banking web page is necessary in association with the storage medium 1, and if component reconstruction is necessary as a result of the checking, the component (or menu) order of clicks. The component (or menu) location included in the internet banking web page is located on the left side. Reconstructed in the right direction (direction from the top or bottom), or

Information processing means for moving a component (or menu) frequently used by the customer to the left (or top) direction on the Internet banking web page and reconstructing the storage medium (2) by linking customer information with the component (or menu) reconfiguration information. It is characterized in that it comprises a means for storing information stored in).

The Internet banking component (or menu) reconstruction system according to the present invention, when requesting the Internet banking web page from the customer terminal used by the Internet banking customer, the component (or associated with the customer information in conjunction with the storage medium (2) (or And a web page output means for processing the Internet banking web page corresponding to the reconstruction information to be outputted to the customer terminal.

Meanwhile, the method for reconfiguring an internet banking component (or menu) according to the present invention may include a sequence of clicking a component (or menu) for an internet banking webpage provided to a customer terminal from a server, or a component (or menu) frequently used by the customer. And monitoring result information including at least one of a component (or menu) click order on the server, or at least one component (or menu) frequently used by the customer in the storage medium 1 in association with customer information. And confirming the monitoring result information associated with the customer information in association with the storage medium 1 in the server, and then, according to the order of clicking the component (or menu) included in the confirmed monitoring result information. Left to right (or top to bottom) position of components (or menus) included in the page To reconstruct, or

Reconfiguring by moving a component (or menu) frequently used by the customer included in the confirmed monitoring result information in a left (or top) direction on the internet banking web page, and in the server, the customer information and the component (or menu) Storing information in the storage medium (2) in association with the reconstruction information; and requesting an Internet banking web page from a customer terminal used by the Internet banking customer, and in connection with the storage medium (2), a server is associated with the customer information. And processing the Internet banking web page corresponding to the component (or menu) reconfiguration information to be outputted to the customer terminal.

On the other hand, it includes a computer-readable recording medium recording a program for executing the method of the above-described Internet banking component (or menu) reconstruction system.

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 thereof 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.

Those of ordinary skill in the art to which the present invention pertains may refer to and modify the present invention to set and store frequently used templates (or menus, components, etc.), and frequently use templates (or menus, components, etc.). May be inferred, or may be inferred by setting the priority information in a template (or menu, component, etc.) corresponding to the monitoring result, or the like, but the present invention is not limited thereto. In order to effectively explain the technical idea of the present invention, only an arrangement method based on monitoring result information will be described.

1 is a diagram illustrating an internet banking monitoring system for providing a customized Internet banking UI according to an embodiment of the present invention.

In more detail, in FIG. 1, a predetermined banking server accesses a server on an internet banking monitoring system through a predetermined network means to provide a customized Internet banking UI, and provides customer information and page information corresponding to a web page provided to the customer. At least one template (or menu, component, etc.) information corresponding to the selection of a template (or menu, component, etc.) output on the web page, and selection frequency information corresponding to the selection of the template (or menu, component, etc.). When providing the monitoring information including at least one of the, the customer information provided from the banking server in the server, the page information corresponding to the web page provided to the customer, the template (or menu, component, etc.) output on the web page Define at least one template (or menu, component, etc.) corresponding to the selection And the Internet storing and linking the monitoring information including at least one selection frequency information corresponding to the selection in a template (or menu, component, etc.) to the log D / B 120 provided on the internet banking monitoring system. As a banking monitoring system configuration, those of ordinary skill in the art to which the present invention pertains, various implementation methods for the configuration of the Internet banking monitoring system for providing the customized Internet banking UI by referring to and modifying the present Figure 1 Although it can be inferred, 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 banking server, the page information corresponding to the web page provided to the customer, and the template (or menu, component, etc.) output on the web page are selected on the internet banking monitoring system shown in FIG. The log D / B 120 includes monitoring information including at least one corresponding template (or menu, component, etc.) information, and at least one selection frequency information corresponding to selection in the template (or menu, component, etc.). Components corresponding to at least one or more means or functional configurations for storage are referred to as " monitoring server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an Internet banking monitoring system for providing a customized Internet banking UI according to the present invention includes at least one customer terminal 130 connected to a predetermined network means, and the customer. A banking server that receives information corresponding to an Internet banking webpage manipulation transmitted from the terminal 130 and provides an internet banking service in response to the received information, customer information transmitted from the banking server, and provided to the customer Select page information corresponding to a web page, at least one template (or menu, component, etc.) information corresponding to selection of a template (or menu, component, etc.) output on the web page, and a template (or menu, component, etc.) A process for linking and storing monitoring information including at least one selection frequency information corresponding to The D / B 120 and the banking server are connected to the banking server through predetermined network means, the customer information transmitted through the network means, the page information corresponding to the web page provided to the customer, and the template outputted on the web page. Monitoring information including at least one template (or menu, component, etc.) information corresponding to selection (or menu, component, etc.) and at least one selection frequency information corresponding to selection in the template (or menu, component, etc.) It characterized in that it comprises a monitoring server 100 for receiving and storing the cooperative processing in the log D / B (120).

The customer terminal 130 is 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). At least one wired terminal including a desktop computer or laptop connected to the monitoring server 100 or a mobile communication network (or High Speed Downlink Packet Access (HSDPA)) based on CDMA (Code Division Multiple Access) Based mobile communication network), a mobile terminal connected to the IEEE 802.16x-based high-speed wireless Internet, or a wireless terminal including at least one WLAN terminal connected to the IEEE 802.11x-based wireless LAN network It characterized in that it comprises at least one, wherein the customer terminal 130 is provided by the banking server A function configuration (eg, a browser program and a communication function) for outputting an interface screen for using at least one or more Internet banking services and inputting or selecting at least one or more information through the output interface screen is transmitted to the banking server. It is preferable that it is provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the customer terminal 130 corresponding to at least one or more wired terminal or wireless terminal, detailed description thereof is omitted for convenience. do.

According to an embodiment of the present invention, when the customer terminal 130 is a wired terminal, the network means includes the TCP / IP-based wired communication network, and when the customer terminal 130 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 banking server provided on the internet banking monitoring system according to the present invention includes information such as financial transaction request information or selection information for requesting information input through a user interface for providing an internet banking service provided to the customer terminal 130. Receives, and provides a financial transaction service corresponding to the received information, or provides information corresponding to the information request.

In addition, the banking server transmits information corresponding to the input (or selection) of the customer received from the customer terminal 130 to the monitoring server 100 in real time (or periodically), the monitoring server 100 is Customer information transmitted from the banking server, page information corresponding to a web page provided to the customer, and at least one template (or menu, component, etc.) corresponding to selection of a template (or menu, component, etc.) output on the web page. It is preferable to receive monitoring information including at least one information and selection frequency information corresponding to selection in the template (or menu, component, etc.).

The log D / B 120 provided on the Internet banking monitoring system according to the present invention includes customer information transmitted from the banking server, page information corresponding to a web page provided to the customer, and a template outputted on the web page. Or monitoring information including at least one template (or menu, component, etc.) information corresponding to selection of a menu, a component, and the like, and at least one selection frequency information corresponding to selection in the template (or menu, component, etc.). Characterized in that the linkage processing.

In addition, the log D / B 120 according to the present invention may be provided in a web server for providing an Internet banking service to the banking server, or may be provided in a DBMS (DataBase Management System) on the Internet banking monitoring system The present invention is not limited thereby.

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 (or menu, component, etc.) information may be provided by the customer in response to the monitoring information corresponding to the information that the customer selects (or inputs) of information output on the web page corresponding to the page information. It is preferable to include at least one or more names of templates (or menus, components, etc.) to be selected (or input), link addresses corresponding to files or web addresses, source codes, and the like, and are modified according to the intention and purpose of those skilled in the art. May be

The selection frequency information is input (or selected) by a template (or menu, component, etc.) corresponding to the template (or menu, component, etc.) information corresponding to the information transmitted from the customer terminal 130 to the banking server. If so, it is preferable to include the cumulative number of selections (or inputs) corresponding to the inputs (or selections), and may be changed according to the intention and purpose of those skilled in the art.

According to an exemplary embodiment of the present invention, when the monitoring server 100 transmits selection information for using the Internet banking service received from the customer terminal 130 from the banking server, the customer information received from the banking server. An information receiver configured to receive page information corresponding to the web page provided to the customer and at least one template (or menu, component, etc.) information corresponding to selection of a template (or menu, component, etc.) output on the web page ( 105 (or information receiving means), customer information received by the information receiving unit 105, page information corresponding to a web page provided to the customer, and at least one template (or menu, component) output on the web page. Etc.) select template (or menu, component, etc.) information and the template (or menu, component, etc.) from the information in response to the information. Information analysis unit 110 (or information analysis means) for checking at least one piece of accumulated selection frequency information, template (or menu, component, etc.) information checked by the information analysis unit 110, and selection frequency And an information storage unit 115 (or information storage means) for storing the information in the log D / B 120 in association with the customer information and the page information corresponding to the web page.

When the information receiving unit 105 transmits selection information for using the Internet banking service received from the customer terminal 130 from the banking server, the customer information received from the banking server and the web page provided to the customer. And at least one template (or menu, component, etc.) information corresponding to the corresponding page information and selection of a template (or menu, component, etc.) output on the web page.

According to the method of the present invention, the information receiving unit 105 is connected to the banking server from the customer terminal 130, in response to the use of the template (or menu, component, etc.) for the Internet banking provided by the banking server, Preferably, the template (or menu, component, etc.) usage history (or menu selection order history) is transmitted to the monitoring server 100 in real time (or periodically).

For example, when the customer accesses the banking server and uses the financial product inquiry, the information transmitted from the banking server to the monitoring server 100 preferably provides information on the financial product inquiry menu used by the customer.

In addition, if the customer accesses the banking server and uses the transfer service, the information transmitted from the banking server to the monitoring server 100 preferably provides information on the transfer service menu used by the customer.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the necessary information when monitoring the information on the behavior of the customer, detailed description thereof will be omitted for convenience.

The information analyzer 110 may include the customer information received from the information receiver 105, page information corresponding to the web page provided to the customer, and at least one template (or menu, component, etc.) output on the web page. And at least one template (or menu, component, etc.) information and accumulated selection frequency information corresponding to the selection of the template (or menu, component, etc.) from the information.

According to an embodiment of the present invention, template (or menu, component, etc.) information corresponding to a template (or menu, component, etc.) selected by the customer in response to the received information, and the template (or menu, component, etc.) It is preferable to check the selected number of times (for example, a template (or a menu, a component, etc.) having a large number of clicks can be set to a frequently used menu).

The information storage unit 115 processes the template (or menu, component, etc.) information and the selection frequency information identified by the information analyzer 110 in association with the customer information and page information corresponding to the web page. It is characterized in that stored in the log D / B (120).

According to an embodiment of the present invention, the information storage unit 115 corresponds to a template (or menu, component, etc.) information and selection frequency information identified by the information analysis unit 110 corresponding to a customer transmitting the information. Customer information and page information corresponding to the web page where the template (or menu, component, etc.) are located are preferably processed in association with the log D / B 120 and stored.

2 is a diagram illustrating an operation flow of an internet banking monitoring system for providing a customized Internet banking UI according to an embodiment of the present invention.

More specifically, FIG. 2 shows a predetermined banking server accessing a server on an internet banking monitoring system through a predetermined network means to provide a customized Internet banking UI, and provides customer information and page information corresponding to a web page provided to the customer. At least one template (or menu, component, etc.) information corresponding to the selection of a template (or menu, component, etc.) output on the web page, and information on the number of selections corresponding to the selection of the template (or menu, component, etc.) When providing the monitoring information including at least one of the, the customer information provided from the banking server in the server, the page information corresponding to the web page provided to the customer, the template (or menu, component, etc.) output on the web page At least one template (or menu, component, etc.) corresponding to the selection ) Information and monitoring information including at least one selection frequency information corresponding to the selection in the template (or menu, component, etc.) in association with the log D / B 120 provided on the internet banking monitoring system. Regarding the operation flow of the storage Internet banking monitoring system, those skilled in the art to which the present invention pertains, Internet banking monitoring system for providing the customized Internet banking UI by referring to and modifying the present Figure 2 Various implementation methods may be inferred for the operation flow of the present invention, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art will be able to infer various implementation methods such as modifying the order of the operation flow by referring to and modifying the present invention, but the present invention is inferred from the above. All implementation methods are included, whereby the present invention is not limited.

Hereinafter, in this figure, the monitoring server 100 shown in FIG. 1 is referred to as a "server" for convenience, and the customer terminal 130 is referred to as a "terminal" for convenience.

2, the terminal accesses a banking server through a network means, connects a communication channel for using an internet banking service (200), and receives an internet banking web page from the banking server through the communication channel (205). ).

Thereafter, when the terminal transmits the information corresponding to the received Internet banking webpage manipulation to the banking server (210), and transmits the information received from the terminal from the banking server to the monitoring server 100 (215), the The server checks the template (or menu, component, etc.) information and the selection frequency information among the received information (220).

According to the method of the present invention, the information receiving unit 105 is connected to the banking server from the customer terminal 130, in response to the use of the template (or menu, component, etc.) for the Internet banking provided by the banking server, Preferably, the template (or menu, component, etc.) usage history (or menu selection order history) is transmitted to the monitoring server 100 in real time (or periodically).

For example, when the customer accesses the banking server and uses the financial product inquiry, the information transmitted from the banking server to the monitoring server 100 preferably provides information on the financial product inquiry menu used by the customer.

In addition, if the customer accesses the banking server and uses the transfer service, the information transmitted from the banking server to the monitoring server 100 preferably provides information on the transfer service menu used by the customer.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the necessary information when monitoring the information on the behavior of the customer, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, template (or menu, component, etc.) information corresponding to a template (or menu, component, etc.) selected by the customer in response to the received information, and the template (or menu, component, etc.) It is preferable to check the selected number of times (for example, a template (or a menu, a component, etc.) having a large number of clicks can be set to a frequently used menu).

Thereafter, the server processes the identified template (or menu, component, etc.) information and selection frequency information in association with the customer information and page information corresponding to the web page and stores the information in the log D / B 120. (225).

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

In more detail, FIG. 3 illustrates a method for providing a customized UI (User Interface), which provides an Internet banking service for providing a customized UI to at least one or more customer terminals 360 from a predetermined web server 300. As an Internet banking system configuration, those skilled in the art to which the present invention pertains, various implementation methods for the Internet banking system configuration for providing the customized UI by referring to and / or modifying the present Figure 3 It may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited 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 customized UI includes at least one or more customer terminals 360 having a predetermined web browser and the customer terminal through a predetermined communication network. A web server 300 for operating a website for providing an Internet banking service for providing a customized UI to the user 360 and a financial system 355 for providing a financial transaction service in connection with the web server 300 are provided. It is characterized in that it is made, wherein the web server 300 preferably comprises an internet banking server for providing an Internet banking service for providing the customized 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 that provides the customer-customized UI by accessing at least one web server 300 through a predetermined communication network. To this end, the customer terminal 360 comprises a network communication function for connecting to a predetermined communication network and at least one web browser, and is fixed such as a desktop computer having the network communication function and the web browser. Preferably, the terminal comprises at least one 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 a communication channel for the internet banking service that provides the web server 300 and the customized UI 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. It is preferable to include at least one or more wireless terminals connected to any one of the wireless communication network, according to the HTTP (Hyper-Text Transfer Protocol) compatible protocol provided in the communication network to the web server 300 and the customized UI It is desirable to connect a communication channel for providing the Internet banking service.

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

Those skilled 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 customer-customized UI, the web server Since it will be familiar with the technical features of receiving the web document for the Internet banking service providing the customized UI from 300 and output through the web browser, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, a web document received through the communication channel to the customer terminal 360 may include at least one user inputting predetermined financial transaction request information for an internet banking service providing the customized UI. It is preferable to include an 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 preferable.

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 customized UI. It is characterized by comprising a DBMS (DataBase Management System) having a B.

According to an embodiment of the present invention, the web document source of the web operation data provides a web document provided to the at least one customer terminal 360 for the Internet banking service for providing the customized UI in the web server 300 It is preferable to include an HTML-compatible tag and various script codes for generation, and the data content preferably includes at least one of 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 include at least one web document for an internet banking service that provides the customized UI including the web document source and digital content included in the operation data. Since it will be familiar with the technical features generated, 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 customized UI, page information corresponding to at least one or more web pages, templates (or menus, components to be output to the web page) And at least one template (or menu, component, etc.) information corresponding to the screen) and at least one screen production information including selection frequency information for determining the order in which the template (or menu, component, etc.) is output. It is preferable that a log D / B 350 is provided.

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 (or menu, component, etc.) information may be provided by the customer in response to the monitoring information corresponding to the information that the customer selects (or inputs) of information output on the web page corresponding to the page information. It is preferable to include at least one or more names of templates (or menus, components, etc.) to be selected (or input), link addresses corresponding to files or web addresses, source codes, and the like, and are modified according to the intention and purpose of those skilled in the art. May be

The selection frequency information is input (or selected) by a template (or menu, component, etc.) corresponding to the template (or menu, component, etc.) information corresponding to the information transmitted from the customer terminal 360 to the banking server. If so, it is preferable to include the cumulative number of selections (or inputs) corresponding to the inputs (or selections), and may be changed according to the intention and purpose of those skilled in the art.

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

According to another exemplary embodiment of the present invention, the log D / B 350 is provided at a predetermined affiliated party 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 customized UI to at least one or more customer terminals 360, and the customized UI through the communication channel. And a web interface unit 305 (or web interface means) for providing at least one or more web documents corresponding to web pages for an internet banking service providing 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 corresponds to a web page to be provided to the customer terminal 360 for the Internet banking service providing the customized UI according to the HTTP compatible protocol provided in the communication network connected to the customer terminal 360. Connecting and maintaining a communication channel for providing at least one HTML compatible web document (eg, * .html, * .htm, * .asp. * .Jsp, * .xml, * .wml, etc.). do.

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 at least a web page to be provided to the customer terminal 360 for an internet banking service providing the customized UI in connection with the web operation D / B. Web page operator 315 (or web page operator) for generating one or more HTML compatible web documents (e.g., * .html, * .htm, * .asp. * .Jsp, * .xml, * .wml, etc.) And 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 webpage operation unit 315 according to a digital content operation means and a webpage operation procedure corresponding to an internet banking service providing the customized UI. Or the digital content Web service control unit 310 (or web service control) for controlling processing to extract the at least one or more digital content to be included in the generated web document from the user unit 320 to output to the transmitted customer terminal 360 Means), wherein the web interface unit 305 connects the at least one web document generated by the web page operation unit 315 in connection with the web service control unit 310 to the communication channel. It characterized in that the transmission to the customer terminal 360 through.

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 an internet banking service providing the customized UI. And generate at least one web document corresponding to a web page for the internet banking service providing the customized UI, and the web page operation unit 315 is connected to the web service control unit 310. And generating at least one web document corresponding to a web page for an internet banking service providing the customized 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 customized UI, the predetermined financial transaction request information for the Internet banking service providing the customized UI It is preferable to include a user interface for input, and when the financial transaction request information is input through the user interface, the customer terminal 360 transmits the financial transaction request information through the communication channel to the web server 300 It is desirable to send to.

In addition, the at least one web document corresponding to the Internet banking service providing the customized UI, after receiving at least one or more financial transaction request information from the customer terminal 360 through the communication channel, the financial transaction request It is preferable to include predetermined financial transaction result information corresponding to the financial transaction using the 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 operation unit 315 controls the user-customized UI to be included in the web document generated by 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 customized UI to be output to the customer terminal 360 (or web). Page information corresponding to the web page including the user-customized UI is confirmed by the web page checking unit 325, at least one template (or menu, component) associated with the confirmed page information. Information) and information extraction unit 330 (or information extraction means) for extracting selection frequency information for determining an arrangement order for outputting the template (or menu, component, etc.) information to a predetermined area on the web page. And a web page output unit 335 (or web page) that generates and outputs a web page corresponding to the extracted page information, template (or menu, component, etc.) information, and selection frequency information. Output means) and the web page output unit 335 includes the custom UI in connection with the web page operation unit 315 according to a web page operation procedure corresponding to an internet banking service providing the custom UI. And a web service control unit 310 (or web service control unit) for controlling generation of a web document corresponding to a web page.

The webpage checking unit 325 checks whether there is page information corresponding to a webpage including a customized UI to be output to the customer terminal 360.

According to one embodiment of the present invention, a method of outputting a web page including a customized UI to be output to the customer terminal 360, upon request of a predetermined web page through the customer terminal 360, the web page It is preferable to check the monitoring result (that is, the arrangement order of the components (or menus) in the left-to-right direction, or the top-down direction, etc.) corresponding to to check whether or not there is a change.

According to another exemplary embodiment of the present invention, a method of confirming a web page including a customized 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 customized UI to be output to the customer terminal 360 may include a classification corresponding to the 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 customized 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 as another transfer, a transfer or the like).

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of how to check the web page including the custom 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 custom UI is identified by the web page checking unit 325, the information extracting unit 330 may include at least one template (or menu) associated with the confirmed page information. , Component information, etc. and the template (or menu, component, etc.) information is extracted in a predetermined area on the web page, the selection frequency information for determining the arrangement of the template (or menu, component, etc.) is extracted. It is done.

The web page output unit 335 generates and outputs a web page corresponding to the extracted page information, template (or menu, component, etc.) information, and selection frequency information.

According to an embodiment of the present invention, a method of outputting a web page including the customized UI may include the extracted template (or menu, component, etc.) information and the template (or menu, component, etc.) information. Create a web page corresponding to the selection frequency information for determining the arrangement order of the template (or menu, component, etc.) for output to a certain area of the web page to be provided to the terminal 360, and the generated web page It is preferable to output.

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

The web service controller 310 is configured to display 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 an internet banking service providing the customized UI. And at least one web document corresponding to a bulletin board page for an internet banking service providing the customized UI in connection with the webpage operation unit 315, wherein the webpage output unit 335 The at least one web document corresponding to the bulletin board page may be generated in connection 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 customized UI, the predetermined financial transaction request information for the Internet banking service providing the customized UI It is preferable to include a user interface for input, and when the financial transaction request information is input through the user interface, the customer terminal 360 transmits the financial transaction request information through the communication channel to the web server 300 It is desirable to send to.

In addition, the at least one web document corresponding to the Internet banking service providing the customized UI, after receiving at least one or more financial transaction request information from the customer terminal 360 through the communication channel, the financial transaction request It is preferable to include predetermined financial transaction result information corresponding to the financial transaction using the 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 operation unit 315 controls the user-customized UI to be included in the web document generated by 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 may include technical features for various encryption methods for encrypting the financial transaction request information, and technical features for attaching a predetermined electronic signature to the financial transaction request information. Since it will be understood, 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 355 for computerized processing corresponding to a financial transaction (eg, credit, reception, currency exchange, foreign currency transfer, financial investment) service for providing an Internet banking service through the customized UI. It is characterized by comprising a.

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 desirable 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 customized 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 customized UI.

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

In addition, the financial system 355 is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, CDMA (Code CDMA) through the wireless banking server to provide an Internet banking service through the customized UI) At least one wireless terminal (e.g., access and browsing function connected to the mobile communication network based on Division Multiple Access), and / or the IEEE 802.16x based mobile Internet, and / or the DataTAC / Mobitex based wireless data communication network. In connection with the equipped Personal Communication System (PCS) and / or Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics). It is desirable to provide ledger management and computerized processing for non-face-to-face financial transactions.

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

In addition, the financial system 355 is characterized in that associated with a predetermined telebanking server, a predetermined wired voice call network (eg, public) through the telebanking server to provide an Internet banking service through the customized UI. At least one wired telephone terminal (e.g., telephone) connected to a public switched telephone network (PSTN), and / or to 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 wireless communication terminal (eg, cellular and / or PCS and / or GSM terminal and / or smartphone, etc.). .

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 customer-customized 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, connected to a predetermined return channel (Return Channel) through the TV banking server to provide an Internet banking service through the customized UI. In connection with at least one digital TV (eg, interactive digital TV, satellite DMB terminal, terrestrial DMB terminal, etc.), it is desirable to provide a ledger management and computer processing function for non-face-to-face financial transaction processing.

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 (e.g., the Internet) provided in at least one or more external communication networks. Banking, wireless banking, IC chip based wireless banking, tele banking, 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 for processing the financial transaction in connection with a predetermined web server 300 to provide an internet banking service through the customized UI. Preferably, the financial transaction processing unit 345 may be omitted depending on 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 banking module (not shown), international module (not shown), the present invention belongs to If the person skilled in the art will be familiar with the technical details of the financial system 355, 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 customized UI according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates a method for providing a customized UI (User Interface), which provides an Internet banking service for providing a customized UI to at least one or more customer terminals 360 from a predetermined web server 300. Regarding the operation flow of the Internet banking system, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the present Figure 4 for the operation flow of the Internet banking system for providing the customized UI. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains can perform various operations such as modifying the order of the operation flow of the Internet banking system for providing the customized UI by referring to and modifying the drawings 4a and 4b. It will be appreciated that the method may be inferred, but the present invention includes all such inferred methods of implementation, 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 belongs, the predetermined financial transaction request information and the like are input to the web page providing process for providing the customized UI by referring to and modifying the drawings 4a and 4b. The process may be easily added, but the present invention omits unnecessary parts for convenience of providing a detailed description of the customized UI to the customer according to the object of the present invention in addition to the process corresponding to the financial transaction request, The present invention is not limited by this.

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 If a predetermined digital signature is attached or encrypted by at least one encryption method (or an encryption algorithm) and transmitted, the server checks the electronic signature or a predetermined message corresponding to the encryption method (or an encryption algorithm). A communication channel for decoding the information (or data) by a decoding 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, the customer authentication data is preferably including a certificate-based authentication data, the authentication server is a server for authenticating the 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 web page including a customized UI to be provided to the terminal in response to the request. Check the page information corresponding to the (405b).

According to one embodiment of the present invention, a method of outputting a web page including a customized UI to be output to the customer terminal 360, upon request of a predetermined web page through the customer terminal 360, the web page It is preferable to check the monitoring result (that is, the arrangement order of the components (or menus) in the left-to-right direction, or the top-down direction, etc.) corresponding to to check whether or not there is a change.

According to another exemplary embodiment of the present invention, a method of confirming a web page including a customized 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 customized UI to be output to the customer terminal 360 may include a classification corresponding to the 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 customized 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 as another transfer, a transfer or the like).

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of how to check the web page including the custom 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 customized UI.

On the other hand, if there is page information (410b), when the server page information corresponding to the web page including the customized UI is confirmed, at least one template (or menu, component, etc.) associated with the confirmed page information Information and the number of selections for arranging a template (or menu, component, etc.) corresponding to the template (or menu, component, etc.) information in a predetermined arrangement order in a predetermined area on the web page (415b). ).

Subsequently, the server adds the selected template (or menu, component, etc.) information and the selection frequency information for determining the arrangement order when outputting a template (or menu, component, etc.) corresponding to the template (or menu, component, etc.) information. Correspondingly, a web page is generated (or extracted), and the generated (or extracted web page is transmitted to the terminal for output (420b).

According to an embodiment of the present invention, a method of outputting a web page including the customized UI may include the extracted template (or menu, component, etc.) information and the template (or menu, component, etc.) information. Create a web page corresponding to the selection frequency information for determining the arrangement order of the template (or menu, component, etc.) for output to a certain area of the web page to be provided to the terminal 360, and the generated web page It is preferable to output.

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the method for outputting the web page including the customized 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, as monitoring the use of the customer's Internet banking service, there is an advantage that can provide a customized Internet banking web page.

In addition, the menu order frequently used through the customized Internet banking web page, that is, by using the customized Internet banking web page, there is an advantage that the financial transaction service can be used more conveniently.

Claims (4)

Monitoring processing means for periodically monitoring a component (or menu) click order for an Internet banking web page provided to a customer terminal, or a component (or menu) frequently used by the customer; Information storage means for storing the monitoring result information including at least one component (or menu) click order or at least one component (or menu) frequently used by the customer in association with customer information; Web page checking means for checking whether component reconstruction included in the internet banking web page is necessary in association with the storage medium (1); If the component needs to be reconfigured as a result of the check, the component (or menu) position included in the Internet banking webpage is reconfigured from left to right (or top to bottom) according to the order of component (or menu) click, or Information processing means for reconfiguring by moving a component (or menu) frequently used by the customer in a left (or top) direction on the Internet banking web page; And And information storage means for storing the customer information and the component (or menu) reconstruction information in association with the storage medium (2). The method of claim 1, When the customer terminal used by the Internet banking customer requests the Internet banking web page, the Internet banking web page corresponding to the component (or menu) reconstruction information associated with the customer information in association with the storage medium 2 is displayed on the customer terminal. Internet banking component (or menu) reconstruction system, characterized in that it further comprises a web page output means for processing to be output. Periodically monitoring a component (or menu) click order for an Internet banking web page provided to a client terminal from a server, or a component (or menu) frequently used by the customer; Storing monitoring result information including at least one component (or menu) click order or at least one component (or menu) frequently used by the customer in a storage medium (1) in association with customer information in a server; After checking the monitoring result information associated with the customer information in connection with the storage medium (1) in the server, and included in the Internet banking web page according to the component (or menu) click order included in the confirmed monitoring result information Reconfigure the component (or menu) position from left to right (or from top to bottom), or Reconfiguring by moving a component (or menu) frequently used by the customer included in the confirmed monitoring result information in a left (or top) direction on the internet banking web page; Storing customer information and a component (or menu) reconfiguration information in a storage medium (2) in association with a server; When a client terminal used by an Internet banking customer requests an Internet banking webpage, an Internet banking webpage corresponding to the component (or menu) reconstruction information associated with the customer information is linked to the storage medium 2 by the server. Process for output to the customer terminal; Internet banking component (or menu) reconstruction method comprising a. A computer-readable recording medium having recorded thereon a program for executing the method of claim 3.

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