KR20100061943A - Method for providing user-interface and recording medium - Google Patents

Abstract

PURPOSE: A user interface providing method and a recording medium thereof are provided to understand whole asset information by confirming detailed information at a screen after a customer confirms summarized information of the assets. CONSTITUTION: An internet banking server comprises the following units. A web page operating unit(115) produces HTML compatible web documents. A digital contents operating unit(120) extracts digital contents from the web documents. A web service controller(110) controls the production of the web documents. The web service controller controls the digital contents to output them to the customer terminal(145)'.

Description

Method for providing user interface and recording medium {Method for Providing User-Interface and Recording Medium}

1 is a view for explaining an embodiment of the Internet banking system according to the present invention;

2 is a view for explaining an embodiment of a method for providing a user interface according to the present invention;

3 is a view for explaining another embodiment of a method for providing a user interface according to the present invention;

4 is a view for explaining another embodiment of a method for providing a user interface according to the present invention;

5 is a view for explaining another embodiment of a method for providing a user interface according to the present invention.

6 is a view for explaining an example of a screen output by the user interface providing method according to the present invention.

7 is a view for explaining an example of a screen output by the user interface providing method according to the present invention.

8 is a view for explaining an example of a screen output by the user interface providing method according to the present invention.

9 is a view for explaining an example of a screen output by the user interface providing method according to the present invention.

10 is a view for explaining an example of a screen output by the user interface providing method according to the present invention.

11 is a view for explaining an example of a screen output by the method for providing a user interface according to the present invention.

12 is a view for explaining an example of a screen output by the user interface providing method according to the present invention.

<Explanation of symbols for the main parts of the drawings>

100: Internet banking server 105: Web interface unit

110: web service control unit 115: web page operation unit

120: digital content management unit 125: customer authentication unit

130: banking processing unit 135: ledger processing unit

140: DBMS 145: customer terminal

150: financial system

According to the present invention, when a customer requests a web page for using an internet banking service through a terminal, a web page including a login button (or icon) corresponding thereto is outputted, and the web page output to the terminal is displayed. When the login to the customer is completed through the included login button (or icon), the item-specific asset information (or account information about the financial account held by the customer) corresponding to the asset held by the customer is checked. Processing to output a web page including summary information summarizing asset information of each item and a detailed information browsing button (or icon) for viewing detailed information of the item information of the item; and included in the output web page. When requesting to view detailed information about the asset information of each item through the detailed information viewing button (or icon), The present invention relates to a method for providing a user interface including the step of processing a web page including detailed information about a beam to be output.

With the continuous development of information and communication technology and the active application of information and communication technology in the financial field, the conventional financial transactions that have been conducted face-to-face through the window of the branch of the financial institution, Internet banking and / or wireless banking and / or Non-face-to-face financial transactions, such as telebanking and / or TV banking, and / or non-face-to-face financial transactions based on Automatic Teller Machine (ATM) and Cash Dispenser (CD). It is expanding.

Among them, services such as internet banking, wireless banking, and TV banking, which can be used for financial transactions using wired and wireless terminals, allow a user interface to be displayed on a display provided on a client terminal so that the customer can confirm or select (or input) information. I can do it.

However, since the user interface provided by such a conventional banking service is required to generate and output a new web page every time the information is provided to the customer, the user interface has to spend time loading a new web page, and furthermore, the information desired by the customer. There is a problem that can not be confirmed on one screen.

In addition, since the same information (additional services, etc.) is exposed to all access customers, it is inconvenient for a specific customer to check information that is not available or necessary.

An object of the present invention for solving the above problems is, when a customer requests a web page for using the Internet banking service through the terminal, the step of processing to output a web page including a corresponding login button (or icon) and; When the login for the customer is completed through the login button (or icon) included in the web page output to the terminal, item information for each item corresponding to the asset held by the customer (or the financial account held by the customer) Checking the account information), and outputting a web page including summary information summarizing the asset information of each item and a detail information reading button (or icon) for viewing detailed information of the item information of the item. And detailed information on the asset information for each item through a detailed information browsing button (or icon) included in the output web page. If a browse request, and a user interface providing method comprising the step of treatment so that the web page is printed, including the detailed information on the item information to provide specific assets.

In accordance with an aspect of the present invention, a method for providing a user interface includes processing a web page including a login button (or an icon) corresponding to a request for a web page for using an internet banking service through a terminal; When the login for the customer is completed through the login button (or icon) included in the web page output to the terminal, item information for each item corresponding to the asset held by the customer (or an account for the financial account held by the customer) Information), a process of outputting a web page including summary information summarizing the asset information of each item and a detailed information reading button (or icon) for viewing detailed information of the item information of the item; and Detailed information on the asset information of each item through the detailed information browsing button (or icon) included in the output web page When requesting viewing, the method comprises the step of outputting a web page including detailed information on the asset information for each item.

In the method for providing a user interface according to the present invention, the output one or more pieces of information are rolled over on one web page.

In the method for providing a user interface according to the present invention, when a web page including detailed information on the asset information for each item is output, the web page further includes a summary information button (or icon) for checking the previously provided summary information. It is characterized by being included and output.

In the method for providing a user interface according to the present invention, when a web page including detailed information about the asset information for each item is output, the web page is a query, transfer, setting button (or icon) for each of the item information ) Is further included and output.

In the method for providing a user interface according to the present invention, when a setting button (or icon) included in the web page is clicked (or selected), the web page is automatically debited or reversely automatically clicked on (or selected). The transfer button (or icon) is further included and output.

In the method for providing a user interface according to the present invention, the web page output after the login for the customer is completed through the login button (or icon) included in the web page output to the terminal is an additional service that can be provided to the customer. An additional service button (or icon) for checking information is further included and output.

On the other hand, it includes a computer-readable recording medium, characterized in that the program for executing the above-described user interface providing method recorded.

Hereinafter, preferred embodiments will be described so as to understand the present invention described above in more detail.

Prior to the description, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. 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, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. In other words, each means constituting the present invention is a server (or terminal) provided on the system shown in the following embodiments, or a predetermined functional configuration provided in at least one or more servers (or terminals), or at least It may be an association of at least two or more functional components provided in one or more servers (or terminals). In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Is matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), thereby limiting the present invention Not.

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

1 is a block diagram of an internet banking system according to an embodiment of the present invention.

In more detail, Figure 1 is a configuration of an Internet banking system, characterized in that to provide an Internet banking service from a predetermined Internet banking server 100 to at least one customer terminal 145, in the technical field to which the present invention belongs Those skilled in the art will be able to infer various implementation methods for the Internet banking system configuration by referring to and / or modifying the drawing 1, but the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, the Internet banking system includes at least one or more customer terminals 145 having a predetermined web browser and internet banking to the customer terminal 145 through a predetermined communication network. Internet banking server 100 for operating a website for providing a service, the Internet banking server 100 is a financial process for processing the financial business required to provide the Internet banking service through a predetermined interface means It is associated with the system 150.

Those skilled in the art to which the present invention pertains can easily guess components omitted 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.

The customer terminal 145 is a generic term for the terminal device, characterized in that for connecting the communication channel for the Internet banking service by connecting to at least one or more Internet banking server 100 through a predetermined communication network, for this purpose 145 comprises a network communication function for connecting to a predetermined communication network, and at least one web browser, and a fixed terminal such as a desktop computer equipped with the network communication function and a web browser, or a notebook computer. It is preferable to include at least one or more of the same quasi-fixed terminal, or a portable terminal capable of carrying / moving.

According to an embodiment of the present invention, the customer terminal 145 preferably comprises at least one wired terminal connected to a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network. It is preferable to connect the communication channel for the Internet banking server 100 and the Internet banking service according to a Hyper-Text Transfer Protocol (HTTP) compatible protocol.

According to another embodiment of the present invention, the customer terminal 145 may be a Code Division Multiple Access (CDMA) / Wide-CDMA (WCDMA) based wireless communication network, an IEEE 802.11x based wireless communication network, or an IEEE 802.16x based wireless communication network. At least one wireless terminal connected to any one of the wireless communication network is preferably made, the Internet banking server 100 and the Internet banking service according to the Hyper-Text Transfer Protocol (HTTP) compatible protocol provided in the communication network It is desirable to connect the communication channel for the.

After the Internet banking server 100 and the communication channel for the Internet banking service are connected, the customer terminal 145 is the HTML (Hyper-) for the Internet banking service from the Internet banking server 100 through the communication channel. Text Markup Language) compatible web document (eg, * .html, * .htm, * .asp. * .Jsp, * .xml, * .wml, etc.), the received web document is the Characterized in that it is output through a web browser provided in the customer terminal (145).

Those skilled in the art to which the present invention belongs, the customer terminal 145 connects the communication channel for the Internet banking server 100 and the Internet banking service, and from the Internet banking server 100 Since you will be familiar with the technical features of receiving the web document for the Internet banking service and output it through the web browser, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, at least one user inputs predetermined service request information (or financial transaction request information) for the Internet banking service through the web document received through the communication channel to the customer terminal 145. It is preferable to include an interface, and if the service request information (or financial transaction request information) is input through the user interface, the customer terminal 145 via the communication channel the service request information (or financial transaction request) Information) to the Internet banking server 100.

The financial system 150 is a computer system provided in a predetermined financial institution to open at least one financial account to at least one or more customers and to process a financial transaction based on the financial account. Providing various electronic financial services by accessing the accounting system, the information system processing the headquarters business, the branch office information support and the customer information management, and the financial system 150 and an external computer network including homes, businesses, stores and card companies. Storing and managing external information and predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in the components of the financial system 150. It includes a DBMS (DataBase Management System) including at least one database, the present invention belongs to Those of ordinary skill, since it is apparent the detailed technical information on the financial system 150, a detailed illustration and description thereof will be omitted for convenience, to which the present invention is not limited.

According to the method of the present invention, the internet banking server 100 is interlocked with the financial system 150 through the external system of the financial system 150, and for this purpose, the external system may be connected to the external system through a predetermined interface means. It may include a component for interworking with the Internet banking server 100.

The internet banking server 100 may include a database for storing web operation data including at least one web document source and digital content for generating at least one web document for the internet banking service, and / or the financial system ( Or a DBMS 140 (DataBase Management System) including a database for storing Internet banking information required to provide a predetermined Internet banking service in connection with 150, or provided by the DBMS 140 according to an implementation method. It is characterized in that the interworking with the data server, thereby providing a predetermined Internet banking service to at least one or more of the customer terminal (145).

According to an exemplary embodiment of the present invention, the web document source of the web operation data is HTML compatible for generating a web document provided by the internet banking server 100 to the at least one customer terminal 145 for the internet banking service. It is preferable that the tag and various script codes are included, and the data content includes at least one of image content, sound content, and multimedia content to be included in the web document.

Those skilled in the art to which the present invention pertains include technical features in which at least one web document for the internet banking service is generated, including the web document source and digital content included in the web operation data. Since it will be understood, detailed description thereof will be omitted for convenience.

The Internet banking information may be configured to authenticate a customer corresponding to the customer terminal 145 when at least one customer terminal 145 accesses and logs in to the Internet banking server 100, and / or the customer has the Internet banking server. Authenticating the financial transaction customer during at least one financial transaction through 100, and / or authenticating a customer subscribing to the financial product when the customer subscribes to at least one financial product through the internet banking server 100. Customer authentication information, and a finance corresponding to the financial transaction request (or service request) in conjunction with the financial system 150 when a financial transaction request (or service request) is received from the customer through the customer terminal 145. It is preferable to include banking element information for processing transactions, and at least necessary for internet banking according to the intention of those skilled in the art. One or more information may be further included, but this is omitted for convenience in FIG.

According to an embodiment of the present invention, the DBMS 140 may further store at least one web service related information (eg, member information for membership web service) in addition to the web operation data and internet banking information. Those skilled in the art to which the present invention pertains can easily infer various kinds of information or contents additionally stored in the DBMS 140 in correspondence with the respective application fields of the Internet banking server 100. Since there will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 1, the Internet banking server 100 connects a communication channel for the Internet banking service to at least one or more customer terminals 145, and connects to a web page for the Internet banking service through the communication channel. And a web interface unit 105 for providing at least one corresponding web document to the customer terminal 145, wherein the web interface unit 105 is predetermined at the customer terminal 145. When transmitting service request information (or financial transaction request information), it is preferable to receive the service request information (or financial transaction request information) through the communication channel.

The web interface unit 105 is at least one HTML compatible corresponding to the web page to be provided to the customer terminal 145 for the Internet banking service according to the HTTP compatible protocol provided in the communication network connected to the customer terminal 145 And connecting and maintaining a communication channel for providing a web document (eg, * .html, * .htm, * .asp. *. Jsp, * .xml, * .wml, etc.).

After the customer terminal 145 and the communication channel are connected, at least one web document corresponding to the web page to be provided to the customer terminal 145 from the internet banking server 100 is generated, the web interface unit 105 may transmit the web document to the customer terminal 145 through the communication channel, and output the web document through a web browser provided in the customer terminal 145.

If the web document includes a user interface for inputting predetermined service request information (or financial transaction request information), the customer terminal 145 to the service request information (or financial transaction request information) through the user interface When inputted and transmitted, the web interface 105 may receive the service request information (or financial transaction request information) through the communication channel.

Referring to FIG. 1, the internet banking server 100 may include at least one HTML compatible web document corresponding to a web page to be provided to the customer terminal 145 for the internet banking service in association with the web operation data. For example, a web page operation unit 115 for generating * .html, * .htm, * .asp. *. Jsp, * .xml, * .wml, etc.), and the web document in association with the web operation data, The digital content management unit 120 extracts at least one digital content to be included and transmits the generated web document to the previously transmitted customer terminal 145 and the web page operation procedure corresponding to the internet banking service. Control the generation of at least one web document in the web page management unit 115, or extract at least one or more digital content to be included in the generated web document in the digital content management unit 120 It characterized in that it comprises a web service control unit 110 for controlling the processing to output the web document to the transmitted customer terminal 145, the web interface unit 105 is the web service control unit 110 In connection with the at least one web document generated by the web page management unit 115 is characterized in that for transmitting to the customer terminal 145 via the communication channel.

In addition, the Internet banking server 100 is connected to the web page operation unit 115 through the web service control unit 110 based on the customer authentication information of the Internet banking information to the at least one customer terminal 145 An authentication interface screen may be provided or a customer authentication unit 125 may be provided with at least one customer authentication information based on the interface screen.

In addition, the Internet banking server 100 finances at least one or more customer terminals 145 in association with the webpage operation unit 115 through the web service control unit 110 based on the banking element information of the Internet banking information. It may be provided by providing a banking processing unit 130 to provide a transaction-related interface screen, or at least one or more financial transaction-related information based on the interface screen.

In addition, the Internet banking server 100 may be provided with a ledger processing unit 135 for performing a ledger processing procedure corresponding to the financial transaction requested by the customer in conjunction with the financial system 150 through a predetermined interface means. The ledger processor 135 may be connected to the external system of the financial system 150 through the interface unit.

The web service control unit 110 may be configured such that the web page operation unit 115 performs a web for the Internet banking service according to a web page operation procedure (or a web page request from the customer terminal 145) corresponding to the internet banking service. And at least one web document corresponding to a page, wherein the web page operation unit 115 is connected to the web service control unit 110 and at least corresponding to a web page for the internet banking service. Characterized by generating one or more web documents.

The web document generated by the webpage manager 115 includes at least one digital content link, which is received from the client terminal 145 receiving the web document to the internet banking server 100 to the digital content link. When requesting a corresponding digital content output, the digital content management unit 120 outputs at least one digital content corresponding to the digital content link from the web operation data, and outputs the output digital content to the web interface unit ( By transmitting to the customer terminal 145 via 105, the digital content is processed to be included in the web document transmitted to the customer terminal 145 to be output.

The customer authentication information stored in the DBMS 140 may include ID / PW information and personal information (eg, name, resident registration number, address, contact information, etc.) of a customer accessing the Internet banking server 100 through the customer terminal 145. And at least one member information including at least one member, wherein the customer authentication unit 125 requests the ID / PW information of the customer from the customer terminal 145 in association with the web service control unit 110. The customer may be authenticated by receiving the ID / PW information from the customer terminal 145 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 100 according to a conventional ID / PW transmission / reception procedure, but the ID / PW information may be provided to provide a more advanced security function. The customer terminal 145 is encrypted through at least one or more of the symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method Preferably, the customer authentication unit 125 further includes a function configuration for decrypting the ID / PW information.

In addition, the customer authentication information stored in the DBMS 140 is the certification authority information (for example, financial settlement agency) and the authentication server information that issued a predetermined certificate to the customer connected through the customer terminal 145, and / or the Accredited certificate registrar information (e.g., when the accredited certificate is registered through the process, the process information, when the accredited certificate is registered through the process, etc.), and / or certificate information issued to the customer by the certification body. It is preferable that the further comprises, wherein the customer authentication unit 125 requests the authentication certificate-based customer authentication through the authentication certificate registered by the registration authority to the authentication server of the certification authority, and the customer from the authentication server By receiving an authentication result, the customer is characterized in that the authentication.

According to an embodiment of the present invention, the customer authentication unit 125 provides communication session information and the certificate information connected to the customer terminal 145 to the authentication server of the certification authority, and the authentication server provides the communication session information. After performing a customer authentication procedure corresponding to the certificate information to the customer terminal 145 on the basis, it is preferable to provide the result to the customer authentication unit 125.

In addition, the customer authentication information stored in the DBMS 140 is made, including a copy of the authentication certificate of the customer accessing the Internet banking server 100 through the customer terminal 145, and / or predetermined to the customer It is preferable to include the directory connection information of the certification authority that issued the public certificate, wherein the customer authentication unit 125 is linked with the authentication server of the certificate authority that issued a predetermined public certificate to the customer the customer terminal Requesting the certificate-based customer information to the 145, receiving the certificate-based customer information from the customer terminal 145, and authenticating the certificate-based customer information through the copy of the certificate and / or the directory of the certification authority, Characterize the customer.

According to one embodiment of the invention, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 125, or a predetermined random number generated by the customer terminal 145, in this case The client terminal 145 uses at least one of a symmetric key (or secret key) encryption method, a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method for the random number through the certificate. Encrypted through the above encryption method and provided to the customer authentication unit 125 (for example, if the random number is generated in the customer terminal 145 further includes a random number in the form of a plain text), the customer authentication unit 125 Decrypts the encrypted random number based on the copy of the customer's accredited certificate and / or the certificate information of the customer extracted from the directory, compares each other, and / or the It is preferable to authenticate the customer by encrypting and comparing the random number in the plain text form (eg, the random number generated by the customer authentication unit 125 and / or the random number generated by the customer terminal 145).

According to another exemplary embodiment of the present invention, the certificate-based customer information is stored in the storage information (eg, the internet banking server 100 in the storage device of the customer terminal 145 previously stored in the customer terminal 145). Information, and / or information (or system information) previously stored in the customer terminal 145, and / or storage read out from an IC card (and / or IC chip) linked with the customer terminal 145. Information (eg, IC card (and / or IC chip) serial number, and / or information stored in the IC card (and / or IC chip) memory by the IC card (and / or IC chip) issuer) In this case, the customer terminal 145 is a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange for the stored information through the certificate Encryption through at least one encryption method And decrypt the stored information encrypted based on the copy of the customer's official certificate and / or the certificate information of the customer extracted from the directory by the customer authentication unit 125, and provided to the customer authentication unit 125. By comparing each other, it is preferable to authenticate the customer.

According to another exemplary embodiment of the present invention, the certificate-based customer information includes input information (for example, a key input device provided in the customer terminal 145) input through an input means provided in the customer terminal 145. Information input through an input device (eg, a short-range communication device) other than a key input device provided in the customer terminal 145), and in this case, the customer terminal 145. The at least one encryption method of symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method is used for the input information. Encrypted through the customer authentication unit 125 and provided to the customer authentication unit 125, the certificate of the customer authentication certificate extracted from the copy of the customer's official certificate and / or the directory from the customer authentication unit 125 It is preferable to authenticate the customer by decrypting and comparing the encrypted input information based on.

In addition, the customer authentication information stored in the DBMS 140 is preferably made of 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, The customer authentication unit 125 requests a predetermined OTP code to the customer terminal 145 in cooperation with the web service control unit 110, receives the OTP code from the customer terminal 145, and generates the OTP. Generate a predetermined OTP authentication code based on the information, and by comparing the received OTP code and the generated OTP authentication code, characterized in that for authenticating the customer.

According to an embodiment of the present invention, the OTP code is a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic at the customer terminal 145 to provide a more advanced security function It is preferable that the data is encrypted and received through at least one or more of an envelope encryption method and / or a key exchange encryption method. For this purpose, the customer authentication unit 125 further includes a function configuration for decrypting the OTP code. It is preferable to make.

When the banking processor 130 requests at least one financial transaction from the client terminal 145, the banking processor 130 interoperates with the web service controller 110 to perform a financial transaction corresponding to the requested financial transaction to the client terminal 145. Provide the request information (or service request information) input interface screen, and the predetermined financial transaction request information (or service request information) from the customer terminal 145 through the financial transaction request information input (or service request information) interface screen. Is input (or selected) and received, the ledger processing unit 135 generates (or extracts) predetermined financial transaction information corresponding to the financial transaction request information (or service request information) with reference to the banking element information. It is characterized in that to provide.

For example, when the financial transaction requested from the client terminal 145 is an account transfer transaction, the banking processor 130 interoperates with the web service controller 110 to provide information necessary for the account transfer to the client terminal 145 ( For example, a predetermined interface screen for inputting (or selecting) a withdrawal account number, a withdrawal account password, a deposit bank information, a deposit account number, a transfer amount information, a security code number, etc.) is provided, and the account is displayed through the interface screen. When information (e.g., withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc.) necessary for the transfer is received and received, the banking element information will be referred to. After generating the predetermined financial transaction information to withdraw the transfer amount from the withdrawal account and deposits it into the deposit account provided to the ledger processing unit 135 .

According to the embodiment of the present invention, the banking processor 130 receives at least predetermined financial transaction request information (or service request information) from the customer terminal 145, at least in conjunction with the customer authentication unit 125. It is preferable to authenticate the customer who requested the financial transaction through at least one customer authentication method, whereby the customer who requested the financial transaction through the customer terminal 145 (or input (or select) the financial transaction request information) is transmitted. Confidentiality, Authentication, Integrity and Nonrepudiation.

According to an embodiment of the present invention, the banking processor 130 secures confidentiality, authentication, integrity and non-repudiation of at least one or more financial transaction request information (or service request information) transmitted from the customer terminal 145. In order to do so, the customer terminal 145 attaches the electronic signature of the customer to the financial transaction request information (or service request information), and publicly displays the financial transaction request information (or service request information) to which the electronic signature is attached. It is preferable to encrypt and transmit in a public key encryption scheme according to the infrastructure. In this case, the banking processor 130 receives the financial transaction request information (or service request information) from the customer terminal 145 and the public key. It is preferable to decrypt by the public key decryption method according to the infrastructure, and to verify the electronic signature, whereby the financial transaction Confidentiality, authentication, integrity and nonrepudiation of the request information (or service request information) are ensured.

 Alternatively, the banking processor 130 may secure confidentiality, authentication, integrity, and non-repudiation of financial transaction request information (or service request information) transmitted from the customer terminal 145 for at least one financial transaction. Preferably, the customer terminal 145 encrypts and transmits the financial transaction request information (or service request information) in an electronic envelope method. In this case, the banking processor 130 transmits the financial transaction from the customer terminal 145. It is preferable to receive the request information (or service request information) and decrypt it in an electronic envelope manner, thereby ensuring confidentiality, authentication, integrity, and nonrepudiation of the financial transaction request information (or service request information).

The ledger processing unit 135 may be linked with the financial system 150 through a predetermined interface unit. When predetermined banking transaction information is generated (or extracted) by the banking processing unit 130, Identifying at least one or more ledger information to be extracted from the ledger on the financial system 150 in response to financial transaction information, and extracting the identified ledger information from the ledger on the financial system 150 through the interface means; And / or generate (or extract) ledger record information recorded in the ledger on the financial system 150 corresponding to the financial transaction information, and generate (or extract) the ledger on the financial system 150 through the interface means. Extract the ledger record information.

For example, the financial transaction requested from the client terminal 145 is an account inquiry transaction for the last one month, and the financial transaction information (eg, account inquiry section information, account number, etc.) for the account inquiry is performed by the banking processor 130. When generated (or extracted), the ledger processing unit 135 is based on the financial transaction information for the account inquiry, the account ledger associated with the customer ledger on the financial system 150 via the interface means (and / or the Transaction history information associated with an account ledger) is extracted from the transaction history of the account and provided to the banking processor 130.

2 is a view for explaining a user interface providing process according to an embodiment of the present invention. More specifically, it is a diagram for explaining a process of connecting a secure channel for internet banking by the customer terminal connected to the Internet banking server.

In more detail, FIG. 2 illustrates a case in which the Internet banking server shown in FIG. 1 is realized through an Internet banking system among non-face-to-face channel-based banking systems. The present invention relates to a process of connecting a security channel for internet banking between a terminal and a server by accessing an internet banking server, and those skilled in the art to which the present invention pertains may refer to and / or modify the present invention. Various implementation methods for connecting a secure channel for internet banking between a terminal and a server to provide a service may be inferred, but the present invention includes all the implementation methods inferred above, and is shown in FIG. It is not limited to only.

That is, in FIG. 2, when accessing an internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the customer terminal, the client terminal and the Internet are based on the browser program. Although an implementation method of connecting an internet banking-based financial transaction channel for an internet banking service between banking servers is illustrated, a person having ordinary knowledge in the technical field to which the present invention belongs may use the Internet using a browser program shown in FIG. By referring to and / or modifying a banking-based financial transaction channel connection method, an internet banking-based financial transaction channel is provided for providing an internet banking service between a client terminal and an internet banking server based on a predetermined internet banking program installed in the client terminal. Infer the implementation method Would be, 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.

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction channel connection method shown in FIG. 2, in addition to the Internet banking system, a telebanking system and / or a wireless banking system. Other banking systems, such as systems and / or TV banking systems, may infer an implementation method for connecting non-face-to-face channel-based financial transactions channels for providing Internet banking services, but the present invention may provide a telebanking system and / or a wireless banking system. And / or non-face-to-face channel based financial transactions of all kinds, including TV banking systems and / or proposed non-face-to-face channel banking systems, the technical configuration of the present invention being limited to the case of Internet banking shown in FIG. It never happens.

Hereinafter, in FIG. 2, the customer terminal is referred to as a "terminal" for convenience, and the Internet banking server is referred to as a "server" for convenience.

Referring to FIG. 2, when a terminal executes a predetermined browser program and accesses a server through a TCP / IP based network (200), the server may include a web page (eg, a login button or icon) through a browser. Internet banking main page) to connect the communication channel between the terminal and the server (205), wherein the communication channel is generated (or extracted) a predetermined web page by the request of the browser program provided in the terminal in the server Allocate a predetermined communication session to transmit to the terminal and receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in a web page in a browser program included in the terminal. Means.

Here, a predetermined web page (eg, an Internet banking main page) provided from the server to the terminal may have a user interface configuration as shown in FIG. 6. That is, as shown in Figure 6, the Internet banking main page provided from the server to the terminal, the Internet banking logo (in the case of Internet banking services provided by the bank, bank logo), customer asset information, personal (or corporate) Buttons (or icons) that link to web pages such as internet banking for customers, various financial products, customer centers that can respond to customer inquiries, main banking images (or flashes, videos, etc.) A brief summary of news, events, announcements (or announcements) about the bank (i.e. service provider) or a button (or icon) linked to the web page, and a service banner that can provide articles may be output. have.

In addition, as shown in FIG. 6, the Internet banking main page provided from the server to the terminal may further include an additional menu button (or icon) 600 and a login button (or icon) 605. .

Here, when the submenu button (or icon) 600 is selected (for example, when the mouse pointer is placed on the submenu button (or icon) or clicked), the description of the submenu or a submenu thereof is rolled over. Can be provided (610).

In addition, the sub-menu button (or icon) and the login button (or icon) may be located on the top, bottom, left, and right sides of the screen rather than the center of the screen so that the submenu or stepwise information may be rolled over while being selected (or clicked). .

If the user selects (or inputs) a login button (or icon) 605 (for example, clicks the login button (or icon) using a mouse pointer), after completing the login with the customer, the customer's asset information is checked or , Value-added services, and the like. This will be described in detail later.

When the terminal is provided with a predetermined internet banking program, the server may allocate a communication channel for transmitting and receiving at least one information (or data) with the internet banking program based on a predetermined communication protocol defined in the internet banking program. .

Thereafter, the server is equipped with a predetermined security module for internet banking on a predetermined web page (eg, an Internet banking main page) generated (or extracted) for providing to the terminal, and / or updates the security module. By adding a predetermined script for checking whether or not to be provided to the terminal, it is checked whether the terminal is equipped with a predetermined security module for internet banking and / or update the security module (210).

When the terminal is provided with a predetermined internet banking program, the server updates the internet banking program (and / or a security module associated with the internet banking program) by requesting version information and / or last update date information, etc. from the internet banking program. You can check whether or not.

If a predetermined security module is to be installed and / or updated in the terminal (215), the server transmits the latest version of the security module for internet banking to the terminal according to the remote program installation procedure defined in the browser program and / or is mounted and / or updated. Or update 220.

If the terminal does not need to mount and / or update the latest version of the security module for internet banking (225), or if the terminal does not need to mount and / or update the security module for internet banking (215), the server may be installed in the terminal. By activating the security module for internet banking, a security channel for internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is converted into a secure channel) (230), where the security channel for internet banking is a server. Attaches a predetermined digital signature to information (or data) required for security among information (or data) included in a web page to be provided to a terminal in a network, and / or at least one encryption method (and / or encryption algorithm) If the terminal is encrypted and provided, a predetermined decryption method (and / or decryption) corresponding to the electronic signature is confirmed and / or an encryption method (and / or an encryption algorithm). Algorithm) means a communication channel for decrypting information (or data), and also attaches a predetermined digital signature to information (or data) to be provided from the terminal to the server and / or at least one or more encryption scheme (and / or Encrypted and transmitted, the terminal confirms the digital signature and / or decrypts the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption algorithm). Means a communication channel to be.

When a terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel attaches a predetermined electronic signature to information (or data) to be provided to the terminal from the server according to a communication protocol defined in the internet banking program and / or at least If the encryption is provided using one or more encryption methods (and / or encryption algorithms), a predetermined decryption method (and / or decryption algorithm) corresponding to the digital signature verification and / or encryption method (and / or encryption algorithm) at the terminal is provided. Means a communication channel for decrypting information (or data), and also attaches a predetermined electronic signature to information (or data) to be provided from the terminal to the server and / or at least one encryption method (and / or encryption algorithm). Encrypted and sent, the server verifies the digital signature and / or encrypts it (and / or Or a communication channel for decrypting information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to the present embodiment, the security module may perform an electronic signature attachment, and / or encryption, and / or decryption function for information (or data) by using an authorized certificate of a customer mounted in the terminal.

3 is a view for explaining a user interface providing process according to another embodiment of the present invention. More specifically, after the customer terminal connects to the Internet banking server and connects to the secure banking channel for internet banking, when the customer requests a login, the process of converting the secure channel into an internet banking-based financial transaction channel through customer authentication is provided. Drawing.

After the secure channel for internet banking is connected, when the customer requests a login by selecting a login button (or icon) included in a web page (internet banking main page) provided from the server to the terminal (300), the server downloads a browser program. The terminal requests to perform an internet banking customer authentication procedure through the terminal (305).

In the Internet banking customer authentication process, when a customer inputs (or generates) predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered in the internet banking application process) through a terminal, In this case, the server may be configured to authenticate a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data may be transmitted through an electronic signature and / or encrypted through a secure channel.

In the Internet banking customer authentication process, a customer inputs (or generates) predetermined Internet banking-based customer authentication data (for example, ID / PW or customer number registered in the internet banking application process) to the authentication server through the terminal. If the authentication server, based on the customer authentication data based on the customer connected to the Internet banking customer authentication, and the results are provided to the server, and the customer authentication data is made by the authentication certificate-based authentication data Preferably, the authentication server is a server for authenticating the certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to a request, requests an Internet banking customer authentication by transmitting an electronic signature and / or encryption through a security module to a server (and / or an authentication server) (310). The server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (315).

If the Internet banking customer authentication fails (320), the server blocks the Internet banking security channel for the terminal (325), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (320), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (330), where the Internet banking-based financial transaction channel Means a communication channel capable of providing an internet banking service from a server to a terminal.

4 is a view for explaining a user interface providing process according to another embodiment of the present invention. More specifically, the process of providing a summary information summarizing the asset information (or account information of the financial account held by the customer) of the customer item to the terminal by connecting the Internet banking-based financial transaction channel between the server and the terminal. It is a figure for following.

When the internet banking-based financial transaction channel is connected between the server and the terminal, the server checks the item information (or account information about the financial account held by the customer) corresponding to the asset held by the customer logged in through the financial system (400). ). That is, the banking processing unit of the server refers to the banking element information stored in the DBMS, generates (or extracts) financial transaction information for searching the asset information (or account information) of each item, and provides the ledger processing unit. From the account ledger associated with the customer ledger on the financial system (and / or the transaction history information or asset information associated with the account ledger) through the interface means based on the financial transaction information for the asset information (or account information) inquiry. The transaction history information (or asset information) of the account is extracted and provided to the banking processing unit.

Thereafter, the server includes a summary information summarizing the asset information (or account information) of each item from the server to the terminal, and a detailed information reading button (or icon) for reading detailed information of the item information (or account information) for each item. The web page is transmitted (405) to be output to the terminal. That is, the banking processing unit that receives the customer's asset information (or transaction history information) from the ledger processing unit may display a summary information summarizing the customer's asset information for each item and a detail information viewing button (or icon) for viewing detailed information. It provides an interface screen to be output to the web page output to the terminal in conjunction with the web page operation unit through the web service control unit.

7 illustrates an example of a web page on which the summary information and the detailed information browsing button (or icon) for summarizing such customer asset information are output. As shown in FIG. 7, the summary information of the asset information may be divided into items for each account and product held by the customer so that the total amount of each item may be output. Of course, depending on the implementation, the customer's real estate, stocks, fund information, etc. may be classified by item to output the amount of each item. In addition, the mileage information accumulated according to the customer's financial activities may also be included and output. In the embodiment shown in FIG. 7, the summary information is divided into items such as demand payment, earning expression, deferred payment, loan, etc. to show an example in which a graph showing the total amount of each item and the weight of each item is output in a certain field. have. In addition, the mileage information is further included in the field outputting the summary information, and the detailed information reading button (or icon) for viewing the detailed information of the asset information is output at the bottom of the summary information field.

Here, when a screen providing summary information summarizing the customer's asset information is output, since the login process for the customer is already completed, it is preferable that the login button (or icon) provided on the main page disappear. A field for outputting summary information may be rolled over and output from an area where the login button (or icon) disappears. In addition, a logout button (or icon) for the customer to logout may be further included in the field for outputting summary information.

Meanwhile, an interface for closing the outputted summary information may be provided in a field for outputting the summary information. In other words, a button (or icon) in the form of a menu bar as one side of a field for outputting summary information (named 'My Asset Information' indicating that the field is outputting summary information in FIG. 7, is opened or closed when clicked. If the corresponding button is selected (or clicked), the field for outputting summary information can be rolled over to leave only the menu bar form. In addition, when the detailed information is output thereafter, the field for outputting the summary information may be automatically closed, and only the summary information button (or icon) for outputting the summary information may be output.

Then, when the customer selects (or clicks) the detailed information browsing button (or icon) outputted to the terminal in order to view the detailed information of the asset information (410), the detailed information of each item of asset information from the server to the terminal, and each A web page including a button (or an icon) for inquiry, transfer, and setting of an item is transmitted to be displayed on the screen (415).

8 illustrates an example of a screen on which a web page including detailed information is output when a customer selects (or clicks) a detailed information browsing button (or icon) through a terminal. As shown in FIG. 8, on the customer terminal screen, asset information such as required deposit, deposit type, deferred deposit, and loan information is divided into fields for each item and displayed on the screen. In other words, if you explain the required deposit as an example, the account number for the AA savings deposit, the inquiry button (or icon) for inquiry of the total amount and the AA savings deposit, and the transfer button for account transfer through the AA savings account ( Or an icon), and a setting button (or icon) for setting (setting of direct debit, reverse debit, etc.) for the AA savings account may be further output, and other accounts (or assets) may be output in the same manner. Information can be output.

In this case, the field for outputting the detailed information may be rolled over from the field for outputting the summary information, and according to the implementation, the field for outputting the summary information may be displayed as a summary information button (or icon) so that the field can be viewed again later. The rollover may be closed and the field for outputting detailed information may be rolled over and opened.

Here, when the customer selects (or clicks) the inquiry button (or icon) included in the field outputting detailed information through the terminal (420), as shown in FIG. 9, the corresponding account (from the server to the terminal) ( Alternatively, the search field may be output to the screen by transmitting a web page including an inquiry interface for searching an asset (425). In addition, such an inquiry field may also be rolled over in association with a corresponding account displayed in a field for outputting detailed information.

In addition, when the customer selects (or clicks) the transfer button (or icon) included in the field outputting detailed information through the terminal (430), the server performs a transfer through the corresponding account (or asset) to the terminal. The webpage including the transfer interface capable of doing so may be transmitted 435 to output the transfer field on the screen. The transfer field may also be rolled over in association with the account. When the customer requests a bank transfer through the transfer field displayed on the screen, the server receives the information requesting the transfer through the web interface unit and the banking processing unit, and generates (or extracts) financial transaction information necessary to perform the transfer. The ledger processing unit may perform a procedure corresponding to the requested financial transaction in connection with the financial system through a predetermined interface means.

In addition, when the customer selects (or clicks) the setting button (or icon) included in the field outputting detailed information through the terminal (440), as shown in FIG. 10, the server transmits the corresponding account ( Alternatively, a web page including a button (or an icon) for setting a swing transfer service and a reverse swing service of an asset may be transmitted 445 to be output on the screen.

Here, the "swing" service refers to a service that allows the amount exceeding the amount set in the corresponding account to be automatically transferred to another set account. For example, if the amount of the AA savings account exceeds 5 million won, the excess amount can be set to be automatically transferred to a savings account or CMA account. Accordingly, when the output swing button (or icon) is selected (or clicked), a field for outputting information for setting a swing service may be rolled over and output.

In addition, the reverse swing service refers to a service that allows the insufficient amount to be transferred from another set account when the loan principal or card payment amount to be processed in the corresponding account is insufficient or less than the set amount. For example, if the amount of the AA savings account is less than 2 million won, the insufficient amount can be set to be transferred from the CMA account. Accordingly, when the output reverse swing button (or icon) is selected (or clicked), a field for outputting information for setting a reverse swing service may be rolled over and output.

5 is a view for explaining a user interface providing process according to another embodiment of the present invention. More specifically, the Internet banking-based financial transaction channel between the server and the terminal is connected, and the summary information summarizing the asset information (or account information of the financial account held by the customer) of the customer and the additional service information available to the terminal. Figure for explaining the process of providing.

When the internet banking-based financial transaction channel is connected between the server and the terminal, the server provides asset information (or account information on the financial account held by the customer) corresponding to the asset held by the customer logged in through the financial system and available additional services. Check the information (500). In other words, the banking processing unit of the server refers to the banking element information stored in the DBMS to search the financial transaction information for each item of the customer's asset information (or account information) and the additional services available to the customer (or provided to the customer). When the financial transaction information is generated (or extracted) and provided to the ledger processing unit, the ledger processing unit is based on the financial transaction information for inquiry of asset information (or account information) and the financial transaction information for inquiry of additional services available to the customer. Transaction account information (or asset information) from the account ledger associated with the customer ledger on the financial system (and / or transaction history information (or asset information) and additional service information associated with the account ledger) through the interface means. ) And available additional service information is provided to the banking processing unit.

Thereafter, the summary information summarizing the asset information (or account information) of each item of the customer from the server to the terminal, and the detailed information reading button (or icon) for viewing the detailed information of the item information (or account information) of each item and use thereof. A web page including a supplementary service button (or icon) for reading supplementary service information is transmitted (505) to be output to the terminal. That is, the banking processor, which receives the customer's asset information (or transaction history information) and available additional service information from the ledger processor, reads summary information summarizing the customer's asset information by item and detailed information for viewing detailed information. An interface screen is provided so that a button (or icon) and an additional service button (or icon) for reading available additional service information are linked to a web page operating unit through a web service control unit and output to a web page output to a terminal.

FIG. 7 illustrates an example of a web page on which the summary information and the detailed information browse button (or icon) and the additional service button (or icon) are summarized by item. As shown in FIG. 7, the summary information of the asset information may be divided into items for each account and product held by the customer so that the total amount of each item may be output. Of course, depending on the implementation, the customer's real estate, stocks, fund information, etc. may be classified by item to output the amount of each item. In addition, the mileage information accumulated according to the customer's financial activities may also be included and output. In the exemplary embodiment illustrated in FIG. 7, the summary information is divided into items such as required payment, earning type, deferred type, loan, and the like, and shows an example in which a graph showing the total amount of each item and the weight of each item is output in a certain field. . In addition, the mileage information is further included in the field outputting the summary information, and the detailed information reading button (or icon) for viewing the detailed information of the asset information is output at the bottom of the summary information field.

Here, when a screen providing summary information summarizing the customer's asset information is output, since the login process for the customer is already completed, it is preferable that the login button (or icon) provided on the main page disappear. A field for outputting summary information may be rolled over and output from an area where the login button (or icon) disappears. In addition, a logout button (or icon) for the customer to logout may be further included in the field for outputting summary information.

Meanwhile, an interface for closing the outputted summary information may be provided in a field for outputting the summary information. In other words, a button (or icon) in the form of a menu bar as one side of a field for outputting summary information (named 'My Asset Information' indicating that the field is outputting summary information in FIG. 7, is opened or closed when clicked. If the corresponding button is selected (or clicked), the field for outputting summary information can be rolled over to leave only the menu bar form. In addition, when the detailed information is output thereafter, the field for outputting the summary information may be automatically closed, and only the summary information button (or icon) for outputting the summary information may be output.

In addition, the additional service button (or icon) for reading the additional service information that can be used by the customer who has completed the log-in may be output on the right side of the screen. This additional service will be described later in detail.

Then, when the customer selects (or clicks) the detailed information browsing button (or icon) outputted to the terminal in order to view the detailed information of the asset information (510), the detailed information of the asset information for each item from the server to the terminal and each, The web page including the button (or icon) for inquiry, transfer, and setting of the item is transmitted to be displayed on the screen (515).

8 illustrates an example of a screen on which a web page including detailed information is output when a customer selects (or clicks) a detailed information browsing button (or icon) through a terminal. As shown in FIG. 8, on the customer terminal screen, asset information such as required deposit, deposit type, deferred deposit, and loan information is divided into fields for each item and displayed on the screen. In other words, if you explain the required deposit as an example, the account number for the AA savings deposit, the inquiry button (or icon) for inquiry of the total amount and the AA savings deposit, and the transfer button for account transfer through the AA savings account ( Or an icon), a setting button (or icon) for setting a savings account for AA (swing, reverse swing, etc.) may be further included, and another account (or Assets) may also be output in the same manner.

In this case, the field for outputting the detailed information may be rolled over from the field for outputting the summary information, and according to the implementation, the field for outputting the summary information may be displayed as a summary information button (or icon) so that the field can be viewed again later. The rollover may be closed and the field for outputting detailed information may be rolled over and opened.

Here, when the customer selects (or clicks) the inquiry button (or icon) included in the field outputting detailed information through the terminal (520), as shown in FIG. 9, the corresponding account (from the server to the terminal) ( Alternatively, the search field may be displayed on the screen by transmitting a web page including an inquiry interface for searching an asset) (525). In addition, such an inquiry field may also be rolled over in association with a corresponding account displayed in a field for outputting detailed information.

In addition, when the customer selects (or clicks) a transfer button (or icon) included in the field outputting detailed information through the terminal (530), the server performs a transfer through the corresponding account (or asset) to the terminal. The webpage including the transfer interface capable of doing so may be transmitted (535) and the transfer field may be displayed on the screen. The transfer field may also be rolled over in association with the account. When the customer requests a bank transfer through the transfer field displayed on the screen, the server receives the information requesting the transfer through the web interface unit and the banking processing unit, and generates (or extracts) financial transaction information necessary to perform the transfer. The ledger processing unit may perform a procedure corresponding to the requested financial transaction in connection with the financial system through a predetermined interface means.

In addition, when the customer selects (or clicks) the setting button (or icon) included in the field outputting detailed information through the terminal (540), as shown in FIG. 10, the server transmits the corresponding account ( Alternatively, a web page including a button (or an icon) for setting a swing transfer service and a reverse swing service of an asset) may be transmitted (545) and displayed on a screen.

Here, the "swing" service refers to a service that allows the amount exceeding the amount set in the corresponding account to be automatically transferred to another set account. For example, if the amount of the AA savings account exceeds 5 million won, the excess amount can be set to be automatically transferred to a savings account or CMA account. Accordingly, when the output swing button (or icon) is selected (or clicked), a field for outputting information for setting a swing service may be rolled over and output.

In addition, the reverse swing service refers to a service that allows the insufficient amount of money to be transferred from another set account when the loan amount or card payment amount to be processed in the corresponding account is insufficient or less than the set amount. For example, if the amount of the AA savings account is less than 2 million won, the insufficient amount can be set to be transferred from the CMA account. Accordingly, when the output reverse swing button (or icon) is selected (or clicked), a field for outputting information for setting a reverse swing service may be rolled over and output.

After the customer has used one or more of the services (views, transfers, settings, etc.) on the screen on which the summary and detail view buttons (or icons) and additional service buttons (or icons) are displayed or by using other buttons (or icons). When the user selects (or clicks) the additional service button (or icon) (550), as shown in FIG. 11, the web page including the additional service information available to the customer is transmitted from the server to the terminal (555). To be output to.

As the field for outputting the summary information or the detailed information described above is rolled over and output, the additional service information available to the customer also includes a field for outputting the additional service information from the area where the additional service button (or icon) is located. It can be rolled over and output. In addition, an interface for closing the output additional service information may be provided in a field for outputting additional service information. That is, a button (or icon) in the form of a menu bar (named 'additional service' indicating a field displaying additional service information in FIG. 11) is displayed as one side of a field for outputting additional service information. If the button is selected (or clicked), the field for outputting additional service information may be rolled over and closed, leaving only the menu bar form. That is, the field for outputting the additional service information may be rolled over to return to the output state of the additional service button (or icon) before the output.

Here, the additional service information that can be used by the customer may vary according to the marketing policy of the product provider, the customer grade, or the Internet banking service provider. In other words, if the customer has already subscribed to the AA product, it is not necessary to provide information that induces the subscription to the AA product, and it would be convenient for the customer to provide information introducing the product associated with the AA product. For example, it would be more advantageous for service providers to attract other products. Such additional service information may be provided with information on interest rate adjustments or linked products, or real-time stock information or household accounting support, depending on the product to which the customer subscribes or the grade of the customer. The information stored in the account ledger associated with the customer ledger (and / or additional service information associated with the account ledger) may be extracted (or generated) or extracted (or generated) from another storage medium. Accordingly, the additional service information output in FIG. 11 shows an example of additional service information that may be provided, but is not limited thereto.

As shown in FIG. 11, when a field for outputting additional service information available to the customer is displayed, when the customer selects (or clicks) an additional service item to be used (or to apply for) (for example, an interest rate adjustment additional service) If is selected), as shown in FIG. 12, the field for outputting detailed information on the corresponding additional service (interest rate adjustment additional service) may be rolled over from the field for outputting additional service information. If the customer who has confirmed the detailed information of the additional service information wants to use the additional service through the terminal, that is, in the example shown in FIG. 12, the user selects (or clicks) an application button (or icon) outputted to apply for interest rate adjustment. Then, the server may receive the application information to process the interest rate adjustment service for each product in association with the financial system (or the server independently according to the service content), and output the result screen.

The above embodiments are only examples of the present invention, and therefore, the present invention should not be construed as being limited to the above embodiments. In other words, the present invention should be construed as having a technical spirit that includes the contents described in the claims to be described later and the equivalent ranges of such contents.

According to the present invention, the summary information that summarizes the customer's asset information (or account information) by item can be checked first, and the detailed information of each item can also be checked on one screen, so that the customer can view the entire asset information (or account). Information) at a glance.

According to the present invention, it is possible to check the customer-subscribed products or customized additional services according to the grade of the customer, so that the customer does not have to check unnecessary information, and can obtain only usable information. For service providers, there is a more advantageous advantage in attracting other linked products.

Claims (7)

When the customer requests a web page for using the Internet banking service through the terminal, processing a web page including a login button (or icon) corresponding thereto; When the login for the customer is completed through the login button (or icon) included in the web page output to the terminal, item information of each item corresponding to the asset held by the customer (or the financial account held by the customer) Checking the account information), and outputting a web page including summary information summarizing the asset information of each item and a detailed information reading button (or icon) for viewing detailed information of the item information of the item; And When requesting to view the detailed information on the asset information of each item through the detailed information viewing button (or icon) included in the output web page, processing to output a web page including the detailed information about the asset information of each item The user interface providing method comprising a. The method of claim 1, And the output one or more pieces of information are rolled over on one web page. The method of claim 1, When a web page including detailed information on the asset information for each item is output, the web page further includes a summary information button (or icon) for checking the previously provided summary information. How to Provide. The method of claim 1, When a web page including detailed information on the asset information for each item is output, the web page is further outputted with an inquiry, transfer, and setting button (or icon) for each of the item information for the item. To provide a user interface. The webpage of claim 4, wherein when the setting button (or icon) included in the webpage is clicked (or selected), the webpage is directly debited or reverse-directed to the clicked (or selected) item. Icon) is further included and output. The method of claim 1, The web page output after the login for the customer is completed through the login button (or icon) included in the web page output to the terminal is an additional service button (or an additional service button for checking the additional service information that can be provided to the customer). Icon) is further included and output. A computer-readable recording medium recording a program for executing the method of claim 1.

Images