KR20090094794A - System for Providing Customized Advertisement in Internet Banking - Google Patents

Abstract

An internet banking customer customized advertisement providing system capable of providing efficient advertisement is provided to supply customized advertisement reflecting the scale of asset of client, and the connect location and inclination. A customer about advertisement exposure through internet banking is a preparatory consent client, an information extracting unit(635) extracts advertisement data from advertisement database. The scale of asset of client is confirmed from the financial product/ loan product. The banking transactions connect location is confirmed from the terminal unit characteristic information. The inclination of client is grasped from the financial transaction pattern. An advertisement output unit(640) outputs the extracted AD data to the constant area on the terminal screen of the client.

Description

System for Providing Customized Advertisement in Internet Banking}

1 illustrates a configuration of an Internet banking customer-customized advertisement providing system for providing a customized advertisement suitable for an Internet banking customer according to an embodiment of the present invention.

2 is a diagram illustrating an advertisement information registration system for providing a customized advertisement according to an embodiment of the present invention.

3 is a diagram illustrating an information registration process for providing a customized advertisement according to an embodiment of the present invention.

4 is a diagram illustrating an information registration system for providing a customized advertisement according to an embodiment of the present invention.

5 is a diagram illustrating an information registration process for providing a customized advertisement according to an embodiment of the present invention.

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

7A and 7B are views illustrating a process of providing a customized advertisement according to an embodiment of the present invention.

<Description of main parts of drawing>

100: advertisement information registration server 105: information registration server

110: internet banking server 415: information storage unit

620: information receiving unit 630: information checking unit

635: information extraction unit 640: advertising output unit

The present invention provides an information storage means for linking and processing internet banking customer information and consent information for exposing advertisements through an internet banking screen when accessing the internet banking of the customer, and storing the information in a storage medium, and a customer connected through internet banking. Information receiving means for receiving customer information and terminal-specific information (IP address) from a terminal, information checking means for confirming whether the Internet banking connection customer has previously agreed to the advertisement exposure in association with the storage medium; When the internet banking access customer is a prior consent customer for the advertisement exposure, the customer's asset size identified from the financial product / loan product subscribed to the customer, the banking transaction access location identified from the terminal specific information, and the financial transaction pattern Advertising data corresponding to one or more of the identified customer The present invention relates to an Internet banking customer-customized advertisement providing system including information extracting means for extracting from the advertisement advertising means for processing the extracted advertising data to be output to a predetermined area on the screen of the Internet banking access customer terminal.

Currently, the advertising industry is rapidly increasing in size and type, and accordingly, the advertising industries are inventing various advertising techniques and advertising contents to preoccupy each other.

The advertising industry extends to the internet banking of the financial industry, but its application level is still diverse and not differentiated.

An object of the present invention for solving the above problems is the information storage means for processing the Internet banking customer information and the consent information for exposing the advertisement through the Internet banking screen when the Internet banking access of the customer by storing in a storage medium; Information receiving means for receiving customer information and terminal-specific information (IP address) from a customer terminal connected through Internet banking, and the Internet banking connection customer who has previously agreed to the advertisement exposure in connection with the storage medium. Information checking means for confirming whether the Internet banking access customer and the customer agrees to the exposure of the advertisement, the banking is confirmed from the customer's asset size, terminal specific information identified from the financial products / loan products subscribed to the customer Respond to one or more of the customer's dispositions as identified from transaction access locations and financial transaction patterns Provides an Internet banking customized advertisement providing system including information extraction means for extracting advertisement data from an advertisement database and advertisement output means for processing the extracted advertisement data to be output to a predetermined area on a screen of the Internet banking access customer terminal. Is in.

Internet banking customer-customized advertisement providing system according to the present invention, the Internet banking customer information and the information storage for storing the information stored in the storage medium by linking the consent information for exposing the advertisement through the Internet banking screen when accessing the Internet banking of the customer Means, information receiving means for receiving customer information and terminal specific information-IP address from a customer terminal connected through internet banking, and the Internet banking connection customer agreeing to the advertisement exposure in advance in connection with the storage medium. Information checking means for confirming whether the customer is a customer, and if the Internet banking access customer is a prior consent customer for the exposure of the advertisement, the customer's asset size and terminal specific information identified from the financial product / loan product to which the customer subscribes Banking transaction access location, and one of customer's tendencies identified from financial transaction patterns. And information extraction means for extracting advertisement data corresponding to the above from an advertisement database, and advertisement output means for processing the extracted advertisement data to be output to a predetermined region on a screen of the Internet banking access customer terminal.

According to the present invention, the information extraction means, extracts the advertising data corresponding to the asset size calculated based on the customer's subscription financial products-deposits, savings, insurance, fund-information and loan history, etc. from the advertising database, Alternatively, the banking transaction access location identified by referring to the banking transaction access information (IP address for each home or company) registered by the customer or by matching the banking access IP with the home or work address of the customer in connection with a location information providing server. The advertisement data corresponding to the information may be extracted from the advertisement database, or the advertisement data corresponding to the banking connection customer's financial transaction pattern-card use pattern and real-time payment (transfer) pattern may be extracted from the advertisement database.

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

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

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

1 illustrates a configuration of an Internet banking customized advertisement providing system for providing a customized advertisement suitable for an Internet banking customer according to an embodiment of the present invention.

In more detail, Figure 1 shows the size of the customer asset through the customer information corresponding to the customer authentication information (or customer login information) of the customer, when the customer who previously obtained the consent to ad exposure access and log in to the Internet banking site, Check the customer's access location or address, customer's disposition, customer's gender, customer's age, customer's consumption propensity, and check the customer asset size, customer's access location or address, customer's disposition, customer's gender, customer's The present invention relates to an Internet banking customized advertisement providing system for providing and processing (operating) customized advertisements suitable for age, customer's consumption propensity, and the like. Reference or modification of the illustrated Internet banking customer customized advertisement providing system configuration to suit the Internet banking customer It will be possible to infer various implementation methods for the Internet banking customer-customized advertisement providing system for providing an advertisement, but the present invention is characterized in that it comprises all the implementation methods inferred, Internet banking shown in Figure 1 It is not limited to the configuration of the customized advertisement providing system.

Referring to FIG. 1 according to an exemplary embodiment of the present invention, the Internet banking customized advertisement providing system may include advertiser information, advertisement attribute information, and advertisement data information for a predetermined advertiser to provide a customized advertisement suitable for a predetermined customer. The advertisement information registration server 100 that registers at least one advertisement information and stores the advertisement information in a predetermined advertisement database, and the customer information and advertisement exposure consent for a predetermined customer to agree to provide a customized advertisement of an advertiser who registered the advertisement. An information registration server 105 that registers and stores customer consent information including at least one information and stores the information on a predetermined storage medium, and a customer who has previously obtained consent for a customized advertisement exposure accesses an internet banking site for internet banking. And upon login, corresponding to the customer authentication information (or customer login information) of the customer. Based on the customer information, the customer-customized information including at least one or more of the customer asset size, the customer's location or address of the customer, the customer's disposition, the customer's gender, the customer's age, the customer's consumption propensity, etc. are checked, and the confirmed customer When the customer accesses through a predetermined terminal to check the advertisement attribute information matching the customized information, and provide the appropriate advertisement to the customer and processing the Internet banking server 110, and to know the current location of the customer, Location information server that checks the access location of the customer through the IP address of the terminal, CRM (Customer Relationship Management) that provides the customer's asset size, customer home (or company) address, customer orientation, etc. through the customer information A server, and at least one financial system including a financial account opened by the advertiser or the customer. It is characterized by.

The advertisement information registration server 100 may include advertisement information including at least one advertiser information, advertisement data information, and advertisement attribute information for a predetermined advertiser to provide the customized advertisement to an information registration system through a predetermined information registration interface. If the information registration system, the information registration system characterized in that the advertiser information included in the provided advertisement information, the advertisement data information and the advertisement attribute information is processed in association with the predetermined information database, and the information registration server ( A preferred embodiment of the advertisement information registration system including 100) will be described in detail with reference to FIG.

The information registration server 105 registers customer consent information including at least one customer information and an advertisement exposure consent information for a predetermined customer to agree to provide a customized advertisement of an advertiser who has registered the advertisement, and registers it on a predetermined storage medium. A preferred embodiment of the information registration system including the information registration server 105 will be described in detail with reference to FIG.

The internet banking server 110, when a customer who has previously agreed to the exposure of the advertisement accesses the internet banking server 110 for internet banking through the customer terminal, the customer information corresponding to the customer terminal and the customer Check the customer asset size, customer's location or address, customer's propensity by checking the customer's asset size, customer's access location or address, customer's propensity, customer's gender, customer's age, customer's consumption propensity, etc. For the Internet banking system including the Internet banking server 110, characterized in that to provide a customized advertisement for the customer to the customer terminal based on the sex of the customer, the age of the customer, the consumer's propensity, etc. Preferred embodiments are described in detail with reference to FIG.

The location information server, characterized in that to confirm the current location of the customer through the IP address of the customer terminal of the customer, the location information server can be omitted according to the intention of those skilled in the art, the invention is limited by this Not.

The CRM server, the customer asset size corresponding to the customer terminal, the location or address of the customer, the customer disposition, the gender of the customer, the age of the customer, the customer's consumption propensity corresponding to the customer terminal for providing a customized advertisement suitable for providing to the customer terminal The CRM server may be a financial system, a card company server, a securities company server, an insurance company server, or the like. The CRM server may be omitted according to the intention of a person skilled in the art, and the present invention is not limited thereto. No.

The financial system stores and operates ledger information corresponding to a financial account opened by the advertiser or customer for a financial transaction, and the credit or reception or trust or foreign exchange occurring at at least one branch (or window). An accounting system that processes a window service, such as an accounting system, an information system that processes a headquarters business, stores information support, and customer information management, and at least one interconnection between the financial system and at least one other financial system (or payment system), or at least Access to the financial system from at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) provided in one or more external communication networks, or at least one common network Provide various financial transaction interfaces through (eg CD common network, financial common network) Is characterized in that it comprises an external system, and furthermore, the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and a function of each component in the financial system. And a DBMS (DataBase Management System) including at least one or more databases for storing and managing predetermined information (for example, ledger information, customer information, or management information) required for performance. .

In FIG. 1, the Internet banking customer-customized advertisement providing system is illustrated and described as an advertisement information registration server 100, an information registration server 105, and an internet banking server 110, but the present invention is not limited thereto. In the present invention, the Internet banking customized advertisement providing system may be composed of one server (or device) or at least two or more servers (or devices), and each server shown in the drawing may be configured according to the intention of a person skilled in the art. It is clear that each component can be implemented in a separate server form.

2 is a diagram illustrating an advertisement information registration system for providing a customized advertisement according to an embodiment of the present invention.

In more detail, FIG. 2 shows that when a predetermined advertisement main terminal accesses a server on an advertisement information registration system through a predetermined network means and provides advertisement information for providing the customized advertisement, the server provides the advertisement information. An advertisement information registration system configuration for processing and storing advertisement information in association with the advertisement database 220 provided on the advertisement information registration system, and a person having ordinary knowledge in the technical field to which the present invention belongs, this figure 2 By referring to or modifying may be inferred various implementation methods for the configuration of the advertisement information registration system for providing the customized advertisement, the present invention includes all the implementation methods inferred, the implementation method shown in Figure 2 It is not limited to only.

Hereinafter, the components corresponding to at least one or more means or functional configuration for storing the advertisement information provided from the advertiser terminal in the advertisement database 220 on the advertisement information registration system shown in FIG. Server 100 ".

Referring to FIG. 2 according to an embodiment of the present invention, an advertisement information registration system for providing a customized advertisement according to the present invention includes at least one advertiser terminal connected to a predetermined network means and an advertisement transmitted from the advertiser terminal. The advertisement database 220 for cooperatively processing the information, and the advertiser terminal is connected to the advertiser terminal through a predetermined network means, and receives the advertisement information transmitted through the network means and stores in association with the advertisement database 220 Characterized in that it comprises a advertising information registration server 100.

The advertiser terminal is the advertisement information through a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) or cable communication network). Including at least one wired terminal including a desktop computer or a notebook that is connected to the registration server 100 or a mobile communication network (or High Speed Downlink Packet Access (HSDPA) based based on CDMA (Code Division Multiple Access) A wireless terminal including at least one mobile communication terminal connected to a mobile communication network), a portable Internet terminal connected to IEEE 802.16x based high speed wireless Internet, or a wireless LAN terminal connected to an IEEE 802.11x based wireless LAN communication network. Characterized in that it comprises at least one, wherein the advertiser terminal is the advertisement information registration form A function configuration for outputting at least one interface screen provided by 100 and inputting or selecting at least one information through the interface screen to the advertisement information registration server 100 (eg, communicating with a browser program). Function) is preferably provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the features of the advertiser terminal corresponding to at least one or more wired terminals or wireless terminals, a detailed description thereof will be omitted for convenience.

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

The advertisement database 220 provided on the advertisement information registration system according to the present invention is characterized in that the advertisement information transmitted from the advertiser terminal is stored in association with each other, wherein the advertisement information includes advertiser information, advertisement data information, and advertisement. It is preferable to include at least one or more attribute information.

The advertiser information includes personal information of the advertiser registering the advertisement information (for example, the name, social security number, address, telephone number, mobile phone number, email address, etc. of the advertiser), and company information (for example, the advertising company) of the advertiser to which the advertiser belongs. Name, business number, corporation number, advertising company's homepage address, advertising company's phone number, advertising company's address, advertising company's email address, etc., the advertiser's member information (e.g., the advertiser associates with the information registration system) It is preferable to include at least one or more member ID / PW information, CIF (Customer Information File), etc. generated in response to the customer by joining the financial transaction customer of the financial institution.

The advertisement data information includes advertisement contents for providing a customized advertisement to a predetermined customer by the advertiser, and image file information such as bmp, jpg, png, gif, mov, avi, wma, and mpeg to be provided to the customer. and at least one video file information such as mpg, mms, rm, flash file information such as flv and swf, and sound file information such as mp3 and wav.

According to an exemplary embodiment of the present invention, the advertisement data information may include link information (eg, an image or video advertisement, etc.) for a customer who has received the advertisement data to access a product corresponding to the advertisement. Information including a hyperlink for providing a product purchase web page or providing an advertisement company homepage for providing the advertisement, and the present invention is not limited thereto.

The advertisement attribute information is attribute information on advertisement information registered by the advertiser, and preferably includes at least one or more conditions and features for providing the advertisement content, a billing standard for providing the advertisement, and the like.

For example, by setting the conditions under which the advertisement content is provided, the advertisement content provided by the advertiser is an image file of a new semi-advanced sedan, and a predetermined web server-based financial system associated with the information registration system registered by the advertiser is provided. When a customer connects to the web server for the purpose of internet banking, if the customer is a professional customer or a customer in his 30s to 40s with excellent customer rating, it is possible to set conditions such as providing advertisement contents of the advertiser. In addition, it is also possible to omit the above conditions according to the intention of the advertiser, and the present invention is not limited thereto.

For example, the feature of the advertisement content may include at least one or more names, titles, types, uses, advantages, and prices of advertisement products to be provided to the advertisement provided in the advertisement data information. It is also possible to omit the above features according to the intention of the advertiser, the present invention is not limited thereto.

For example, the charging criteria for providing the advertisement may include the number of times the advertisement is provided, the size of the advertisement provided, the advertisement time of the advertisement, the method of charging when the customer clicks on the provided advertisement, the customer clicking on the provided advertisement, and In the case of purchasing a product corresponding to an advertisement, a method of charging and a method of differentiating the cost according to the above methods are possible, and the present invention preferably includes all the inferred methods, and the present invention is limited thereto. Not.

According to an embodiment of the present invention, the advertisement information registration server 100 connects a predetermined communication channel with the advertiser terminal through the network means to provide a web interface corresponding to the advertisement main terminal and the network means. Characterized in that it comprises a management interface unit 200, whereby the advertisement information registration server 100 has a function of a web server that is connected to the communication through the advertiser terminal and a wired or wireless communication network.

According to an embodiment of the present invention, when the advertiser terminal is a wired terminal to which a communication channel is connected through a TCP / IP-based wired communication network, the interface unit 200 is connected to the advertiser terminal with a Hyper-Text Transfer Protocol (HTTP). A predetermined communication channel is connected based on a protocol, and an interface screen or an information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is transmitted to the advertiser terminal through the communication channel, and is output. It is preferable to perform a function of receiving and processing predetermined advertisement information input (or selected) through an interface screen.

According to another exemplary embodiment of the present invention, when the advertiser terminal is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 200 may connect to the advertiser terminal with a WAP (Wireless Application Protocol) or ME ( Connect a predetermined communication channel based on the Mobile Explorer protocol, and transmit and output an interface screen or an information providing screen in the form of a WML (Wireless Markup Language) or HTML compatible document to the advertiser terminal through the communication channel, and output the It is preferable to perform a function of receiving and processing predetermined advertisement information corresponding to the interface screen from a terminal.

According to another exemplary embodiment of the present invention, when the advertiser terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 200 may comply with the advertiser terminal and the IEEE 802.16x standard. A predetermined communication channel is connected based on a corresponding wireless protocol, and a predetermined interface screen or an information providing screen is transmitted to the advertiser terminal through the communication channel and outputted, and the predetermined terminal corresponding to the interface screen from the advertiser terminal is output. It is preferable to perform a function of receiving and processing advertisement information, or when the advertiser terminal is a wireless terminal connected to a communication channel through an IEEE 802.11x-based wireless communication network, the interface unit 200 and the advertiser terminal and the Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.11x standard And transmitting and outputting a predetermined interface screen or information providing screen to the advertiser terminal through the communication channel, and receiving and processing predetermined advertisement information corresponding to the interface screen from the advertiser terminal.

Referring to FIG. 2, the advertisement information registration server 100 is connected with the interface unit 200 when a predetermined advertiser terminal accesses the advertisement information registration server 100 through the interface unit 200. An interface providing unit 205 for generating (or extracting) a predetermined interface screen for inputting (or selecting) and transmitting predetermined advertisement information from an advertiser terminal, and the advertiser terminal in cooperation with the interface unit 200. An information receiving unit 210 for receiving advertisement information inputted (or selected) through the interface screen and transmitting the received advertisement information in association with the advertisement database 220 and storing the received advertisement information (or information). Storage means 215).

The interface providing unit 205 has a function configuration (for example, a browser provided in the advertiser terminal) provided in the advertiser terminal when a predetermined advertiser terminal is connected to the advertisement information registration server 100 through the interface unit 200. Program) to generate (or select) predetermined advertisement information and generate a predetermined interface screen that can be transmitted to the advertisement information registration server 100 through the network means, or from a predetermined database (not shown). Extract and interface the generated (or extracted) interface screen with the interface unit 200 to the advertiser terminal through the network means.

Thereafter, the advertiser terminal inputs (or selects) predetermined advertisement information based on the interface screen, and when it is confirmed that the advertisement information is input (or selected), the advertiser terminal receives the input through the network means ( Or selected) transmits the selected advertisement information to the advertisement information registration server 100.

Those skilled in the art to which the present invention pertains, the technical feature of the advertiser terminal to input (or select) the advertisement information through at least one form (Form) included in the interface screen, and Since it will be familiar with the technical feature of transmitting the input (or selected) advertisement information to the advertisement information registration server 100 through a communication protocol provided by the network means, a detailed description thereof will be omitted for convenience.

The information receiver 210 receives (or selects) predetermined advertisement information through the interface screen from the advertiser terminal and transmits the advertisement information through the network means to receive the advertisement information in cooperation with the interface unit 200. The received advertisement information is provided to the information storage unit 215.

The information storage unit 215 is characterized in that the advertisement information received through the information receiving unit 210 is processed in association with the advertisement database 220, the advertisement information is the advertiser information and advertising data information and It is preferable to include at least one advertisement attribute information.

The advertiser information may include personal information (eg, name, social security number, address, phone number, mobile phone number, email address, etc.) of the advertiser registering the advertisement information, and company information (eg, advertisement) of the advertisement company to which the advertiser belongs. Company name, business number, corporation number, advertising company's homepage address, advertising company's phone number, advertising company's address, advertising company's e-mail address, etc., the advertiser's member information (e.g. At least one member ID / PW information, a CIF (Customer Information File) number, etc. generated in correspondence with the customer by signing up as a financial transaction customer of the linked financial institution is preferably included.

The advertisement data information includes advertisement contents for providing a customized advertisement to a predetermined customer by the advertiser, and image file information such as bmp, jpg, png, gif, mov, avi, wma, and mpeg to be provided to the customer. and at least one video file information such as mpg, mms, rm, flash file information such as flv and swf, and sound file information such as mp3 and wav.

According to an exemplary embodiment of the present invention, the advertisement data information may include link information (eg, an image or video advertisement, etc.) for a customer who has received the advertisement data to access a product corresponding to the advertisement. Information including a hyperlink for providing a product purchase web page or providing an advertisement company homepage for providing the advertisement, and the present invention is not limited thereto.

The advertisement attribute information is attribute information on advertisement information registered by the advertiser, and preferably includes at least one or more conditions and features for providing the advertisement content, a billing standard for providing the advertisement, and the like.

For example, by setting the conditions under which the advertisement content is provided, the advertisement content provided by the advertiser is an image file of a new semi-advanced sedan, and is set in a financial system based on a web server based on the information registration system registered by the advertiser. When a customer connects to the web server for the purpose of internet banking, if the customer is a professional customer or a customer in his 30s to 40s with excellent customer rating, it is possible to set conditions such as providing advertisement contents of the advertiser. In addition, it is also possible to omit the above conditions according to the intention of the advertiser, and the present invention is not limited thereto.

For example, the feature of the advertisement content may include at least one or more names, titles, types, uses, advantages, and prices of advertisement products to be provided to the advertisement provided in the advertisement data information. It is also possible to omit the above features according to the intention of the advertiser, the present invention is not limited thereto.

For example, the charging criteria for providing the advertisement may include the number of times the advertisement is provided, the size of the advertisement provided, the advertisement time of the advertisement, the method of charging when the customer clicks on the provided advertisement, the customer clicking on the provided advertisement, and In the case of purchasing a product corresponding to an advertisement, a method of charging and a method of differentiating the cost according to the above methods are possible, and the present invention preferably includes all the inferred methods, and the present invention is limited thereto. Not.

3 is a diagram illustrating an information registration process for providing a customized advertisement according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates that when an advertiser's terminal on the advertisement information registration system illustrated in FIG. 2 transmits advertisement information for providing a customized advertisement to the advertisement information registration server 100 through a predetermined network means, the advertisement The process of linking the advertisement information in the information registration server 100 and storing it in the advertisement database 220. Those skilled in the art to which the present invention pertains may refer to or modify this drawing. Various implementation methods for the information registration process for providing a customized advertisement can be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 3, the advertisement information registration server 100 on the advertisement information registration system shown in FIG. 2 is referred to as "server" for convenience, and the advertiser terminal on the advertisement information registration system shown in FIG. 2 is called "terminal" for convenience. It is called.

Referring to FIG. 3, the terminal on the advertisement information registration system illustrated in FIG. 2 connects to a communication channel for providing a customized advertisement by accessing the server through the network means (300).

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

Those skilled in the art to which the present invention pertains, the terminal is connected to the server according to the communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means to provide the customized advertisement Since it will be familiar with the technical features for connecting the communication channel for, a detailed description thereof will be omitted for convenience.

When the communication channel for providing a customized advertisement is connected between the terminal and the server as described above, the terminal requests the interface screen for providing the customized advertisement to the server through the communication channel (305), and correspondingly The server generates (or extracts) an interface screen including a user interface for inputting (or selecting) the advertisement information in the terminal (310), and displays the generated (or extracted) interface screen in the communication channel. Through the transmission to the terminal (315).

Thereafter, the terminal processes 320 to input (or select) the advertisement information through the user interface included in the interface screen for inputting (or selecting) the advertisement information.

If the advertisement information is input (or selected) at the terminal (325), the terminal transmits the advertisement information to the server through the communication channel (330), and correspondingly, the server transmits the received advertisement information. The linkage process is stored in the advertisement database 220 shown in FIG. 2 (335).

Preferably, the advertisement information includes at least one advertiser information, advertisement data information, and advertisement attribute information.

The advertiser information includes personal information of the advertiser registering the advertisement information (for example, the name, social security number, address, telephone number, mobile phone number, email address, etc. of the advertiser), and company information (for example, the advertising company) of the advertiser to which the advertiser belongs. Name, business number, corporation number, advertising company's homepage address, advertising company's phone number, advertising company's address, advertising company's email address, etc., the advertiser's member information (e.g., the advertiser associates with the information registration system) It is preferable to include at least one or more member ID / PW information, or CIF (Customer Information File), etc. generated in response to the customer by subscribing as a financial transaction customer of the financial institution.

The advertisement data information includes advertisement contents for providing a customized advertisement to a predetermined customer by the advertiser, and image file information such as bmp, jpg, png, gif, mov, avi, wma, and mpeg to be provided to the customer. and at least one video file information such as mpg, mms, rm, flash file information such as flv and swf, and sound file information such as mp3 and wav.

According to an exemplary embodiment of the present invention, the advertisement data information may include link information (eg, an image or video advertisement, etc.) for a customer who has received the advertisement data to access a product corresponding to the advertisement. Information including a hyperlink for providing a product purchase web page or providing an advertisement company homepage for providing the advertisement, and the present invention is not limited thereto.

The advertisement attribute information is attribute information on advertisement information registered by the advertiser, and preferably includes at least one or more conditions and features for providing the advertisement content, a billing standard for providing the advertisement, and the like.

For example, by setting the conditions under which the advertisement content is provided, the advertisement content provided by the advertiser is an image file of a new semi-advanced sedan, and is set in a financial system based on a web server based on the information registration system registered by the advertiser. When a customer connects to the web server for the purpose of internet banking, if the customer is a professional customer or a customer in his 30s to 40s with excellent customer rating, it is possible to set conditions such as providing advertisement contents of the advertiser. In addition, it is also possible to omit the above conditions according to the intention of the advertiser, and the present invention is not limited thereto.

For example, the feature of the advertisement content may include at least one or more names, titles, types, uses, advantages, and prices of advertisement products to be provided to the advertisement provided in the advertisement data information. It is also possible to omit the above features according to the intention of the advertiser, the present invention is not limited thereto.

For example, the charging criteria for providing the advertisement may include the number of times the advertisement is provided, the size of the advertisement provided, the advertisement time of the advertisement, the method of charging when the customer clicks on the provided advertisement, the customer clicking on the provided advertisement, and In the case of purchasing a product corresponding to an advertisement, a method of charging and a method of differentiating the cost according to the above methods are possible, and the present invention preferably includes all the inferred methods, and the present invention is limited thereto. Not.

4 is a diagram illustrating an information registration system for providing a customized advertisement according to an embodiment of the present invention.

In more detail, FIG. 4 shows that when a predetermined client terminal accesses a server on an information registration system through a predetermined network means and provides customer consent information for providing the customized advertisement, the server provided from the client terminal in the server. The information registration system is configured to store the consent information in association with the storage medium 420 provided on the information registration system, and a person having ordinary knowledge in the art to which the present invention pertains may refer to FIG. Or it may be modified to infer various implementation methods for the configuration of the information registration system for providing the customized advertising, the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG. No.

Hereinafter, the components corresponding to at least one or more means or functional configuration for storing customer consent information provided from the customer terminal on the storage medium 420 on the information registration system shown in FIG. (105) ".

Referring to FIG. 4 according to an embodiment of the present invention, an information registration system for providing customized advertisements according to the present invention includes at least one customer terminal connected to a predetermined network means, and a customer transmitting from the customer terminal. A storage medium 420 for cooperatively processing and storing consent information, and connected to the customer terminal through a predetermined network means, and receives customer consent information transmitted through the network means and performs cooperative processing with the storage medium 420. It characterized in that it comprises an information registration server 105 for storing.

The client terminal registers the information through a transmission control protocol / Internet protocol (TCP / IP) -based wired communication network (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) or cable communication network). A mobile terminal including at least one wired terminal including a desktop computer or a notebook computer connected to the server 105 or a code division multiple access (CDMA) based mobile communication network (or HSDPA based high mobility). A wireless terminal including at least one mobile communication terminal connected to a communication network), a portable Internet terminal connected to an IEEE 802.16x based high-speed wireless Internet, or a wireless LAN terminal connected to an IEEE 802.11x based wireless LAN network. Characterized in that it comprises one or more, wherein the customer terminal provided by the information registration server 105 Outputs at least one interface screen, and has a function configuration (eg, a browser program and a communication function) for inputting or selecting at least one information through the interface screen and transmitting the selected information to the information registration server 105. It is preferable.

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

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

The storage medium 420 provided on the information registration system according to the present invention is characterized in that the customer consent information transmitted from the customer terminal is stored in a linked process, the customer consent information is customer information and advertisement exposure agreement information. It is preferable to include at least one.

The customer information is customer information using Internet banking, the personal information of the customer (for example, the customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.), and the member information of the customer (for example, the customer). It is preferable to include at least one member ID / PW information, CIF (Customer Information File), etc. generated in response to the customer by signing up as a financial transaction customer of a financial institution linked to the information registration system. Do.

The advertisement exposure consent information is consent information for exposing an advertisement to the customer when the customer uses internet banking, and the information for requesting the advertisement to be provided by the customer and the terms for the advertisement exposure to the customer. It is preferable to include at least one.

According to an embodiment of the present invention, the information registration server 105 connects and manages a predetermined communication channel with the customer terminal through the network means to provide a web interface corresponding to the customer terminal and the network means. It characterized in that it comprises an interface unit 400, whereby the information registration server 105 has a function of a web server that is connected to communicate with the customer terminal via a wired or wireless communication network.

According to an embodiment of the present invention, when the customer terminal is a wired terminal to which a communication channel is connected through a TCP / IP based wired communication network, the interface unit 400 is connected to the customer terminal with a Hyper-Text Transfer Protocol (HTTP). A predetermined communication channel is connected based on a protocol, and an interface screen or an information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is transmitted to the customer terminal through the communication channel and outputted. It is preferable to perform a function of receiving and processing predetermined customer consent information input (or selected) through the interface screen.

According to another exemplary embodiment of the present invention, when the customer terminal is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 400 is connected to the customer terminal with a WAP (Wireless Application Protocol) or ME ( Connect a predetermined communication channel based on the Mobile Explorer protocol, and transmit and output an interface screen or an information providing screen in the form of a WML (Wireless Markup Language) or HTML compatible document to the customer terminal through the communication channel, and output the It is preferable to perform a function of receiving and processing predetermined customer consent information corresponding to the interface screen from the terminal.

According to another exemplary embodiment of the present invention, when the customer terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 400 may comply with the customer terminal and the IEEE 802.16x standard. A predetermined communication channel is connected based on a corresponding wireless protocol, and a predetermined interface screen or an information providing screen is transmitted to the customer terminal through the communication channel and outputted, and the predetermined terminal corresponding to the interface screen is transmitted from the customer terminal. It is preferable to perform a function of receiving and processing customer consent information, or when the customer terminal is a wireless terminal connected to a communication channel through an IEEE 802.11x based wireless communication network, the interface unit 400 is connected to the customer terminal. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.11x standard, and perform the communication That to the customer terminal via a transmission channel to a predetermined interface screen or display information provided by the output, and performs a function of receiving the predetermined processing of the customer agreement information corresponding to the display interface from said customer terminal is preferred.

Referring to FIG. 4, the information registration server 105 is connected with the interface unit 400 when a predetermined customer terminal is connected to the information registration server 105 through the interface unit 400. An interface providing unit 405 for generating (or extracting) a predetermined interface screen for inputting (or selecting) and transmitting predetermined customer consent information from the client terminal in connection with the interface unit 400. An information receiving unit 410 for receiving customer consent information transmitted through input (or selection) through the interface screen, and an information storage unit (or storing the received customer agreement information in association with the storage medium 420) Information storage means) (415).

The interface providing unit 405 has a functional configuration (eg, a browser program provided in the customer terminal) provided in the customer terminal when a predetermined customer terminal is connected to the information registration server 105 through the interface unit 400. A predetermined interface screen capable of inputting (or selecting) predetermined customer consent information to be transmitted to the information registration server 105 through the network means, or from a predetermined database (not shown). Extract and interface with the interface unit 400 to provide the generated (or extracted) interface screen to the customer terminal through the network means.

Thereafter, the customer terminal inputs (or selects) predetermined customer consent information on the basis of the interface screen, and when it is confirmed that the customer consent information is input (or selected), the customer terminal transmits the information through the network means. The input (or selected) customer consent information is transmitted to the information registration server 105.

Those skilled in the art to which the present invention pertains include: technical features for inputting (or selecting) the customer consent information through at least one form form included in the interface screen in the customer terminal; Since it will be familiar with the technical feature of transmitting the input (or selected) customer consent information to the information registration server 105 through a communication protocol provided by the network means, a detailed description thereof will be omitted for convenience.

The information receiving unit 410 inputs (or selects) predetermined customer consent information through the interface screen at the customer terminal and transmits the customer consent information through interworking with the interface unit 400. Characterized in that it receives, and provides the received customer consent information to the information storage unit 415.

The information storage unit 415 is characterized in that the customer consent information received through the information receiving unit 410 is processed in association with the storage medium 420, the customer consent information is the customer information and advertisement exposure It is preferable to include at least one consent information.

The customer information is customer information using Internet banking, the personal information of the customer (for example, the customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.), and the member information of the customer (for example, the customer). It is preferable to include at least one member ID / PW information, CIF (Customer Information File) number, etc. generated in response to the customer by signing up as a financial transaction customer of a financial institution linked to the information registration system. Do.

The advertisement exposure consent information is consent information for exposing an advertisement to the customer when the customer uses internet banking, and the information for requesting the advertisement to be provided by the customer and the terms for the advertisement exposure to the customer. It is preferable to include at least one.

5 is a diagram illustrating an information registration process for providing a customized advertisement according to an embodiment of the present invention.

In more detail, FIG. 5 shows that when a customer terminal on the information registration system shown in FIG. 4 transmits customer consent information for providing a customized advertisement to the information registration server 105 through a predetermined network means, the information registration is performed. The process of linking the customer consent information in the server 105 and storing the data in the storage medium 420. Those skilled in the art to which the present invention pertains may refer to or modify the present invention. Various implementation methods for the information registration process for providing a customized advertisement may be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In FIG. 5, the information registration server 105 on the information registration system shown in FIG. 4 is referred to as " server " for convenience, and the customer terminal on the information registration system shown in FIG. 4 is referred to as " terminal "

Referring to FIG. 5, a terminal on the information registration system illustrated in FIG. 4 connects to a communication channel for providing a customized advertisement by accessing the server through the network means (500).

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

Those skilled in the art to which the present invention pertains, the terminal is connected to the server according to the communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means to provide the customized advertisement Since it will be familiar with the technical features for connecting the communication channel for, a detailed description thereof will be omitted for convenience.

When the communication channel for providing the customized advertisement is connected between the terminal and the server as described above, the terminal requests the interface screen for providing the customized advertisement to the server through the communication channel (505), correspondingly The server generates (or extracts) an interface screen including a user interface for inputting (or selecting) the customer consent information in the terminal (510), and converts the generated (or extracted) interface screen into the communication channel. Through the transmission to the terminal (515).

Thereafter, the terminal processes the customer consent information to be input (or selected) through the user interface included in the interface screen for inputting (or selecting) the customer consent information (520).

If the customer consent information is input (or selected) in the terminal (525), the terminal transmits the customer consent information to the server through the communication channel (530), and correspondingly the server receives the received The customer consent information is cooperatively processed and stored in the storage medium 420 shown in FIG. 4 (535).

The customer consent information may include at least one of customer information and advertisement exposure consent information.

The customer information is customer information using Internet banking, the personal information of the customer (for example, the customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.), and the member information of the customer (for example, the customer). It is preferable to include at least one member ID / PW information, CIF (Customer Information File) number, etc. generated in response to the customer by signing up as a financial transaction customer of a financial institution linked to the information registration system. Do.

The advertisement exposure consent information is consent information for exposing an advertisement to the customer when the customer uses internet banking, and the information for requesting the advertisement to be provided by the customer and the terms for the advertisement exposure to the customer. It is preferable to include at least one.

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

In more detail, FIG. 6 illustrates a predetermined Internet banking server to which at least one client terminal and a communication channel for internet banking are connected based on a TCP / IP (Transmission Control Protocol / Internet Protocol) based network (eg, the Internet). When the customer terminal accesses the Internet banking server 110 for internet banking at 110, it is checked whether the customer has previously obtained the consent to ad exposure, and the customer has agreed to the advertisement exposure. Checking the customer asset size corresponding to the terminal and the customer asset size corresponding to the customer information, the location or address of the customer, the customer disposition, the gender of the customer, the age of the customer, the propensity to consume the customer, etc. Based on the location or address of the customer, customer preference, customer gender, customer age, customer consumption propensity, etc. An embodiment of an internet banking system for providing a dance advertisement, wherein the internet banking system includes at least one or more customer terminals having a web browser and an internet banking server 110 that provides an internet banking service to at least one or more of the customer terminals. It is made, including, the Internet banking server 110 is a financial system for processing the financial business required to provide the Internet banking service through a predetermined interface means, and for providing a customized advertisement suitable for providing to the customer terminal The customer currently manages the Internet banking service through a CRM (Customer Relationship Management) server that provides the customer asset size corresponding to the customer terminal, the customer home or company address, customer disposition, and the Internet Protocol (IP) information of the customer terminal. Linkage with location information server that provides location information using It is possible.

Those skilled in the art to which the present invention pertains can easily guess the omitted components for convenience because they do not include the core technical matters of the present invention in the Internet banking system shown in FIG. The present invention is not limited to the omitted elements.

That is, FIG. 6 illustrates the present invention between the customer terminal and the Internet banking server 110 based on a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) included in the customer terminal. Although the method of implementing the Internet banking system for processing the financial transaction according to the present invention, those of ordinary skill in the art, Internet banking-based financial transaction channel connection method using the browser program shown in Figure 6 Based on a predetermined Internet banking program mounted on the customer terminal by referring to or modified to infer the configuration of the Internet banking system for processing a financial transaction between the customer terminal and the Internet banking server 110 according to the present invention. However, the present invention is based on the Internet banking program Including Internet banking system, which is provided and to which the present invention is not limited.

In addition, those skilled in the art to which the present invention belongs, in addition to the Internet banking system by referring to or modified the configuration of the Internet banking system shown in Figure 6, for the non-face-to-face channel-based financial transactions according to the present invention It would be possible to infer another banking system, such as a telebanking system or a wireless banking system or a TV banking system, but the present invention includes the telebanking system or a wireless banking system or a TV banking system or a future non-face-to-face banking system. It includes all types of non-facing channel banking systems, and the technical configuration of the present invention is not limited to the case of the Internet banking shown in FIG.

The client terminal is provided with a desktop having at least one web browser for accessing the Internet banking server 110 based on the TCP / IP-based wired communication function and the wired communication function to receive a browsing-based wired web service. Desktop) characterized in that it comprises a wired terminal including at least one computer or a notebook (Notebook), the Internet banking server 110 and the Internet through a predetermined network means including the Internet based on the TCP / IP A communication channel for banking is connected.

The financial system is a computerized system provided to a predetermined financial institution to open at least one financial account to at least one customer and to process a financial transaction based on the financial account. Or an accounting system for processing a window service such as a receiving or trust or a foreign exchange, an information system for processing a headquarters business, a store information support and a customer information management, and an external system including the financial system and homes, businesses, stores and card companies. External systems that connect to the computer network and provide various electronic financial services (e.g., internet banking, phone banking, Cash Dispenser), ATM (Automatic Teller Machine), other line, call center, financial settlement, etc. An interface module corresponding to a middleware platform providing inter-component interfacing; DBMS (DataBase Management System) including at least one database that stores and manages predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in a component of an existing financial system. ), And according to the intention of the skilled person or the type of each financial institution (for example, commercial banks, savings banks, trust banks) and the purpose and characteristics of the financial system, foreign exchange module (not shown), investment banking module It is possible to further include at least one or more components, such as (not shown), international module (not shown), and those skilled in the art to which the present invention pertains, the technical details of the financial system Since it will be clearly understood that the detailed description thereof is omitted for convenience, the present invention is not limited thereby. .

According to an embodiment of the present invention, the Internet banking server 110 is interlocked with the financial system through the external system, and for this purpose, the Internet banking server 110 is interlocked with the Internet banking server 110 through a predetermined interface means. It is preferred to include a component for.

The internet banking server 110 is a database for storing web operation data including at least one web page source or digital content for providing a predetermined web service to at least one or more customer terminals, or in conjunction with the financial system. A banking D / B 645 including a database for storing internet banking information required to provide an Internet banking service of the bank, or a data server provided with the banking D / B 645 according to an implementation method. It characterized in that the interworking, whereby a predetermined Internet banking service is provided to at least one or more of the customer terminal.

According to the embodiment of the present invention, the Internet banking information is at least one or more customer terminals authenticate the customer corresponding to the customer terminal when connecting and logging into the Internet banking server 110, or the customer is the Internet banking server Customer authentication for authenticating the financial transaction customer during at least one financial transaction through 110, or for authenticating a customer who subscribes to the financial product when the customer subscribes to the internet banking server 110 for at least one financial product. Information and banking element information for processing a financial transaction corresponding to the financial transaction request by interworking with the financial system when the financial transaction is requested from the customer through the customer terminal. Depending on the Internet banking may include at least one or more information But, in the case of FIG. 6 it is omitted for convenience.

In addition, the Internet banking server 110 is at least one or more customer terminals, customer asset size, customer connection location, customer home address and company address, customer disposition, customer age, customer consumption corresponding to the customer terminal A storage medium including at least one advertiser information, advertisement data information, advertisement attribute information, and deposit information shown in FIG. 2 to provide customized advertisements suitable for propensity, customer consumption pattern, customer gender, customer hobby, etc. 420 or interworking with a data server (eg, the information registration server 100 shown in FIG. 2) provided with the storage medium 420 according to an embodiment of the present invention. A predetermined customized advertisement is provided to the customer terminal.

The advertiser information includes personal information of the advertiser registering the advertisement information (for example, the name, social security number, address, telephone number, mobile phone number, email address, etc. of the advertiser), and company information (for example, the advertising company) of the advertiser to which the advertiser belongs. Name, business number, corporation number, advertising company's homepage address, advertising company's phone number, advertising company's address, advertising company's email address, etc., the advertiser's member information (e.g., the advertiser associates with the information registration system) It is preferable to include at least one or more member ID / PW information, CIF (Customer Information File), etc. generated in response to the customer by joining the financial transaction customer of the financial institution.

The advertisement data information is information containing advertisement contents for the advertiser to provide a customized advertisement to a predetermined customer, image file information such as bmp, jpg, png, gif, mov, avi, wma, mpeg to provide to the customer and at least one video file information such as mpg, mms, rm, flash file information such as flv and swf, and sound file information such as mp3 and wav.

According to the embodiment of the present invention, the advertiser may register one or more pieces of advertisement data information, and the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the advertisement data information may include link information (eg, an image or video advertisement, etc.) for a customer who has received the advertisement data to access a product corresponding to the advertisement. Information including a hyperlink for providing a product purchase web page or providing an advertisement company homepage for providing the advertisement, and the present invention is not limited thereto.

The advertisement attribute information is attribute information on advertisement information registered by the advertiser, and preferably includes at least one or more conditions and features for providing the advertisement content, a billing standard for providing the advertisement, and the like.

For example, by setting the conditions under which the advertisement content is provided, the advertisement content provided by the advertiser is an image file of a new semi-advanced sedan, and is set in a financial system based on a web server based on the information registration system registered by the advertiser. When a customer connects to the web server for the purpose of internet banking, if the customer is a professional customer or a customer in his 30s to 40s with excellent customer rating, it is possible to set conditions such as providing advertisement contents of the advertiser. In addition, it is also possible to omit the above conditions according to the intention of the advertiser, and the present invention is not limited thereto.

For example, the feature of the advertisement content may include at least one or more names, titles, types, uses, advantages, and prices of advertisement products to be provided to the advertisement provided in the advertisement data information. It is also possible to omit the above features according to the intention of the advertiser, the present invention is not limited thereto.

For example, the charging criteria for providing the advertisement may include the number of times the advertisement is provided, the size of the advertisement provided, the advertisement time of the advertisement, the method of charging when the customer clicks on the provided advertisement, the customer clicking on the provided advertisement, and In the case of purchasing a product corresponding to an advertisement, a method of charging and a method of differentiating the cost according to the above methods are possible, and the present invention preferably includes all the inferred methods, and the present invention is limited thereto. Not.

The deposit information is information about the amount of money deposited in advance to the financial institution associated with the information registration server 100 in order to pay the advertisement fee for the advertisement provided when the advertisement provided by the advertiser is provided, the advertiser pays It is preferable to include at least one or more amounts to be said.

Referring to FIG. 6, the Internet banking server 110 may connect to and manage a Hyper-Text Transfer Protocol (HTTP) based communication channel for providing a predetermined Internet banking service to at least one or more customer terminals. 600 and a customer terminal connected through the communication channel connected from the web interface unit 600 to log in to the Internet banking server 110, the customer information and terminal specific information (or IP address information), etc. from the customer terminal The customer receiving the information receiving unit (or information receiving means) 620 and the customer terminal connected to the Internet banking in connection with the storage medium 420 has previously agreed to the exposure of the customized advertisements The customer asset size, the location or address of the customer, the customer disposition, the gender of the customer, the age of the customer, the consumption propensity of the customer, etc. corresponding to the received customer terminal; An information confirmation unit for confirming advertisement attribute information matching the location information, asset size, home address (or company address), propensity, etc. of the customer corresponding to the customer terminal in association with the storage medium 420 ( Or information confirmation means) 630 and the advertisement database 220, the advertisement corresponding to the asset size, connection location and propensity of the customer when the Internet banking access customer is a prior consent customer for the advertisement exposure. An information extracting unit (or information extracting means) 635 for extracting data from the advertisement database 220, and outputting an advertisement to the client terminal through the web interface unit 600 and exposing the extracted advertisement data. A web page to be provided to at least one or more of the customer terminals by interworking with an advertisement output unit (or advertisement output means) 640, the web interface unit 600, and the banking D / B 645. A UI for generating a user interface (UI) screen for providing a predetermined Internet banking service to at least one or more customer terminals in cooperation with the webpage operation unit 610 and the webpage operation unit 610. Extracts predetermined content for providing the Internet banking service from the banking D / B 645 in cooperation with the processor 605 and the UI processor 605, or from the customer terminal, the banking D / B 645. It is characterized in that it comprises a content management unit 615 for receiving a predetermined content to be stored in the), the Internet banking processing based on the HTTP between the customer terminal and the Internet banking server 110 by the functional configuration A communication channel and a user interface are implemented.

In addition, the Internet banking server 110 interoperates with the web page operation unit 610 through a UI processing unit 605 based on the customer authentication information of the Internet banking information to at least one customer terminal interface screen. Or a customer authentication unit 625 receiving at least one or more customer authentication information based on the interface screen.

The customer authentication information stored in the banking D / B 645 may include ID / PW information and personal information (eg, name, social security number, address, contact information, etc.) of a customer accessing the Internet banking server 110 through the customer terminal. It is preferable to include a member information including at least one, wherein the customer authentication unit 625 requests the ID / PW information of the customer to the customer terminal in conjunction with the UI processing unit 605, The customer is authenticated by receiving the ID / PW information from the customer terminal and comparing the received ID / PW information with ID / PW information included in the member information.

According to an embodiment of the present invention, the ID / PW information may be provided to the Internet banking server 110 according to a conventional ID / PW transmission / reception procedure, but the ID / PW information may be provided to provide a more advanced security function. Preferably, the customer terminal is encrypted and received through at least one or more of a symmetric key (or secret key) encryption method, a public key encryption method, an electronic envelope encryption method, or a key exchange encryption method. The customer authentication unit 625 preferably further includes a functional configuration for decrypting the ID / PW information.

In addition, the customer authentication information stored in the banking D / B 645 may include certification authority information (eg, KFTC) and certificate server information, or the authentication certificate that issued a predetermined authentication certificate to a customer connected through the customer terminal. Further including registrar information (e.g., if the accredited certificate is registered through the process, the process information; Preferably, the customer authentication unit 625 requests the authentication certificate based customer authentication through the authentication certificate registered by the registrar to the authentication server of the certification authority, and provides the customer authentication result from the authentication server. By receiving, characterized in that for authenticating the customer.

According to the method of the present invention, the customer authentication unit 625 provides the communication session information and the certificate information connected to the customer terminal to the authentication server of the certification authority, the authentication server based on the communication session information After performing a customer authentication procedure corresponding to the certificate information to the customer terminal, it is preferable to provide the result to the customer authentication unit 625.

In addition, the customer authentication information stored in the banking D / B (645) is made, including a copy of the authentication certificate of the customer accessing the Internet banking server 110 through the customer terminal, or a predetermined authorized to the customer It is preferable to include the directory connection information of the certificate authority that issued the certificate, wherein the customer authentication unit 625 is linked to the customer terminal in conjunction with the certificate server of the certification authority that issued a predetermined certificate to the customer. Requesting certificate-based customer information, receiving the certificate-based customer information from the customer terminal, and authenticating the customer by authenticating the certificate-based customer information through a copy of the certificate or a certification authority directory. .

According to one embodiment of the invention, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 625, or a predetermined random number generated by the customer terminal, in this case the customer terminal The customer authentication unit encrypts the random number through at least one or more of a symmetric key (or secret key) encryption method, a public key encryption method, an electronic envelope encryption method, or a key exchange encryption method through the certificate. 625) (for example, when the random number is generated by the customer terminal, the mobile terminal further includes a random number in the plain text form), and the customer certificate unit 625 extracts a copy of the certificate of the customer from the directory or the customer. Decrypt the encrypted random numbers based on the public certificate information of the mutual comparison, or the random number in the plain text form (for example, It is preferable to authenticate the customer by encrypting and comparing the random number generated by the customer authentication unit 625 or the random number generated by the customer terminal).

According to another exemplary embodiment of the present invention, the certificate-based customer information is stored information previously stored in the customer terminal (for example, information stored in the storage device of the customer terminal in the Internet banking server 110, or the customer terminal). Information (or system information) already stored in the device, or storage information (e.g., an IC card (or IC chip) serial number, or the IC card) read out from an IC card (or IC chip) linked to the customer terminal. (Or IC chip) information stored in an IC card (or IC chip) memory by the issuing authority), in which case the client terminal encrypts the stored information through a certificate of symmetric key (or secret key), Or encrypting through at least one encryption method among a public key encryption method, an electronic envelope encryption method, or a key exchange encryption method, and providing the same to the customer authentication unit 625, In the authentication unit 625, by mutual comparison to decrypt the encrypted information stored based on the certificate information of the customer extracted from the certificate or a copy of the directories of the customer, it is desirable to authenticate the customer.

According to another exemplary embodiment of the present invention, the certificate-based customer information is input information input through an input means provided in the customer terminal (for example, information input through a key input device provided in the customer terminal, or Information input through an input device (for example, a short-range communication device, etc.) other than the key input device provided in the customer terminal, and in this case, the customer terminal uses a symmetric key (and Is a secret key) encryption method, or a public key encryption method, an electronic envelope encryption method, or a key exchange encryption method by encrypting through at least one or more of the encryption method provided to the customer authentication unit 625, the customer authentication unit ( In 625, encrypted input information based on a copy of the customer's certificate or the certificate information of the customer extracted from the directory. By decrypting compared mutually, it is desirable to authenticate the customer.

In addition, the customer authentication information stored in the banking D / B 645 is preferably made of the OTP generation information for generating an OTP authentication code matching the OTP code generated through the OTP (One Time Password) authenticator provided to the customer In this case, the customer authentication unit 625 requests a predetermined OTP code to the customer terminal in conjunction with the UI processing unit 605, receives the OTP code from the customer terminal, based on the OTP generation information By generating a predetermined OTP authentication code, and comparing the received OTP code and the generated OTP authentication code, characterized in that for authenticating the customer.

According to the method of the present invention, the OTP code is a symmetric key (or secret key) encryption method, or public key encryption method, or electronic envelope encryption method, or key exchange in the customer terminal to provide a more advanced security function It is preferable that the data is encrypted and received through at least one of the encryption methods. For this purpose, the customer authentication unit 625 preferably further includes a functional configuration for decrypting the OTP code.

When the authentication procedure of the customer corresponding to the customer terminal is completed through the customer authentication unit 625 and is logged in to the internet banking server 110, the information receiver 620 receives the customer information and the terminal specific information from the customer terminal. (Or IP address information) or the like.

The information checking unit 630 checks whether the customer corresponding to the customer terminal connected to the Internet banking in connection with the storage medium 420 has previously agreed to the exposure of the customized advertisement, and the financial system and In connection with the location information server and the CRM server, the customer asset size corresponding to the received customer terminal, the location or address of the customer, the customer disposition, the gender of the customer, the age of the customer, the propensity to consume the customer, and the like, are stored. In connection with the medium 420, the advertisement attribute information matching the location information, asset size, home address (or company address), propensity, etc. of the customer corresponding to the customer terminal may be checked.

The information extracting unit 635, in conjunction with the advertisement database 220, when the Internet banking access customer is a prior consent customer for the advertisement exposure, the advertisement corresponding to the asset size, access location and propensity of the identified customer The data is extracted from the advertisement database 220.

According to the exemplary embodiment of the present invention, the information extracting unit 635 extracts the customized advertisement of the customer, and the information on the subscription financial products (eg, deposit, savings, insurance, fund, etc.) of the customer and the loan history. Extract the advertising data corresponding to the asset size calculated on the basis of the advertisement database, refer to the banking transaction access information (home or company-specific IP address) registered by the customer, or access the banking in connection with a location information providing server. The advertisement data corresponding to the access location information identified by matching the IP and the home or work address of the customer is extracted from an advertisement database, or the consumption pattern (eg, card usage pattern, real time payment (transfer) pattern) of the banking connection customer. Although it may be possible to infer a method of extracting the advertising data corresponding to the data from the advertising database 220, etc. Preferably it comprises every possible way analogy group, and to which the present invention is not limited.

The advertisement output unit 640 outputs an advertisement on the screen of the client terminal through the web interface 600 to display the extracted advertisement data.

According to the exemplary embodiment of the present invention, although the Internet banking server 110 provides the customized advertisement contents provided to the customer to the customer terminal through the storage medium 420, the advertisement data information is provided. It may be provided in connection with the advertiser server (not shown for convenience) providing the advertisement content, the present invention is not limited thereto.

7A and 7B illustrate a process of providing a customized advertisement according to an embodiment of the present invention.

In more detail, FIGS. 7A and 7B show a case where the web server system shown in FIG. 6 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, a web server on the web server system shown in FIG. In the case of the Internet banking server 110), the client terminal, which has previously consented to the exposure of the advertisement, receives the Internet banking server 110 for predetermined internet banking through a TCP / IP based network (for example, the Internet). When accessing the service and performing a predetermined customer authentication procedure, the client confirms whether the customer has consented to the exposure of the advertisement in advance, and if the customer has agreed to the exposure of the advertisement, the customer information corresponding to the customer terminal and the customer The high customer identified above by checking the size of the customer's assets corresponding to the information, the location or address of the customer, the customer's disposition, the gender of the customer, the customer's age, and the propensity to consume the customer. The present invention relates to a method of providing a customized advertisement suitable for the customer to the customer terminal based on the size of the mountain, the location or address of the customer, the customer's disposition, the gender of the customer, the customer's age, the customer's consumption propensity, and the like. Those skilled in the art may refer to or modify the drawings 7a and 7b to refer to the scale of the customer asset, the location or address of the customer, the customer through the other type of non-face-to-face financial transaction channel. By checking the propensity, the gender of the customer, the age of the customer, the consumption propensity of the customer, it can be inferred various implementation methods for providing a customized advertisement suitable for the customer, but the present invention includes all the implementation methods inferred However, the present invention is not limited to the method shown in FIGS. 7A and 7B.

That is, when the Internet banking server 110 is connected to the Internet banking server 110 through a predetermined browser program (for example, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the customer terminal in FIGS. Although a method of connecting an internet banking-based financial transaction channel for providing community access between the customer terminal and the internet banking server 110 based on a program is illustrated, a person having ordinary knowledge in the technical field to which the present invention pertains By referring to or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 7A and 7B, the client terminal and the Internet banking server 110 are based on a predetermined Internet banking program mounted on the client terminal. Internet banking to provide community access between Would be able to infer the exemplary method for connecting the half financial transaction channel, the present invention includes an Internet banking based financial transaction provided based on the Internet banking program, to which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 7a and 7b, in addition to the Internet banking system, a telebanking system or wireless It would be possible to infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for Internet banking in another banking system such as a banking system or a TV banking system. Or all types of non-face-to-face channel-based financial transactions, including the non-face-to-face channel banking system proposed in the future, and the technical configuration of the present invention is not limited to the case of the Internet banking shown in FIGS. 7A and 7B. .

In addition, although the embodiment shown in FIGS. 7A and 7B includes a process of generating the predetermined electronic document and storing the electronic document in the electronic document storage, the process may be omitted according to the intention of those skilled in the art. The present invention is not limited.

7a and 7b, the customer terminal is referred to as a " terminal " for convenience, and the internet banking server 110 corresponding to the financial institution server is referred to as a " server " for convenience. Information that includes at least one address, customer preference, customer gender, customer age, customer consumption propensity, etc. is referred to as "customized information."

7A and 7B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (700a), the server communicates between the terminal and the server through the browser. (705a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It 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 adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 710a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is mounted or updated in the terminal (715a), the server transmits and mounts 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. Or update 720a.

If the terminal does not need to install or update the latest version of the security module for internet banking (725a), or if the terminal does not need to load or update the security module for internet banking (715a), the server is mounted on the terminal. By activating the security module for internet banking, to connect the security channel for internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (730a), 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). A communication channel for decoding the information (or data) by a predetermined decoding method (or 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). A communication channel for decoding the information (or data) by a decoding method (or a decoding algorithm).

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or decryption function for the information (or data) by using the customer's authorized certificate 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 (735a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (740a). In operation 745a, the server (or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for a non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (750a), the server blocks the Internet banking security channel for the terminal (755a), 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 (750a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel to the Internet banking-based financial transaction channel (760a), where the Internet banking based The financial transaction channel refers to a communication channel for registering and transmitting predetermined Internet banking information from the terminal to the server.

Thereafter, the server receives customer information and terminal unique information (or IP address information) from the terminal (700b), and the terminal has previously agreed to the advertisement exposure in connection with the storage medium 420. Check whether it is (705b).

If the customer corresponding to the terminal has previously agreed to the exposure of the customized advertisement (710b), the server is connected to the financial system, the CRM server, and the location information server, and the asset size and access of the customer corresponding to the terminal. The location, the customer propensity, and the like are checked (715b), and the advertisement data corresponding to the checked asset size, location information and the customer's propensity, etc. are extracted from the advertisement database 220 in connection with the advertisement database 220 (720b). ).

According to the implementation method of the present invention, a method of extracting the customized advertisement of the customer corresponds to the asset size calculated based on the information of the customer's subscription financial products (eg, deposits, savings, insurance, funds, etc.) and loan history. Extract advertising data from an advertising database, or refer to banking transaction access information (home or company-specific IP address) previously registered by the customer, or in connection with a location information providing server, the banking access IP and the customer's home or work The advertisement data corresponding to the access location information identified by matching the address is extracted from the advertisement database, or the advertisement data corresponding to the consumption pattern of the banking connection customer (eg, a card usage pattern and a real time payment (transfer) pattern) is advertised. The method of extracting from the database 220 may be inferred, but the present invention provides all the possible inferences. It is preferably used, to which the present invention is not limited comprising a.

Thereafter, the server outputs and provides the extracted advertisement data on the terminal screen (725b).

According to the exemplary embodiment of the present invention, although the Internet banking server 110 provides the customized advertisement contents provided to the customer to the customer terminal through the storage medium 420, the advertisement data information is provided. It may be provided in connection with the advertiser server (not shown for convenience) providing the advertisement content, the present invention is not limited thereto.

The present invention provides customized advertisements reflecting customer's asset size, current connection location, and customer's propensity to internet banking site, thereby providing more realistic and beneficial advertisements to customers and at the same time increasing the effect of advertisement companies providing such advertisements. It has the advantage of being.

In addition, by providing the customized advertisement, there is an effect of generating an advertising revenue not only in the advertising company that registered the advertisement, but also in the financial institution that provides the advertisement.

Claims (2)

Information storage means for linking and processing internet banking customer information and consent information for exposing advertisements through an internet banking screen when the Internet banking client accesses the internet banking; Information receiving means for receiving customer information and terminal-specific information-an IP address-from a customer terminal connected through Internet banking; Information checking means for confirming whether the Internet banking access customer has previously agreed to the advertisement exposure in association with the storage medium; When the internet banking access customer is a prior consent customer for the advertisement exposure, the customer's asset size identified from the financial product / loan product subscribed to the customer, the banking transaction access location identified from the terminal specific information, and the financial transaction pattern Information extraction means for extracting advertisement data corresponding to at least one of the perceived customer's propensities from the advertisement database; And And an advertisement output means for processing the extracted advertisement data to be output to a predetermined area on a screen of the internet banking access client terminal. The method of claim 1, wherein the information extraction means, Extract advertising data corresponding to the asset size calculated based on the customer's subscription financial products-deposit, savings, insurance, fund-information and loan history, etc., or Refer to the banking transaction access information (IP address for each home or company) registered by the customer or match the banking access IP and the home or work address of the customer in connection with a location information providing server to verify the banking transaction access location information. Extracts advertising data corresponding to the data from the advertising database, or Internet banking customer-customized advertisement providing system, characterized in that for extracting the advertising data corresponding to the financial transaction pattern-card use pattern, real-time payment (transfer) pattern of the banking access customer from the advertising database.

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