KR20100125497A - Method for providing information in connection with internet banking and recording meidum - Google Patents

Abstract

PURPOSE: A method for providing connection history information and a recording medium therefor are provided to supply connection information on Internet banking overseas to a client, thereby informing the possibility that security problem about the banking service of a client to exist in advance. CONSTITUTION: An information providing server(600) comprises next. An information checker(625) checks an IP address information about at least one of a terminal. An information extractor checks and extracts the connection history through an oversea IP address among the checked IP addresses. An information provide(635) provides the connection history through the extracted oversea IP address to a terminal which client designated.

Description

Method for providing information and recording medium for the same {Method for Providing Information in connection with Internet Banking and Recording Meidum}

1 is a diagram illustrating a face-to-face information registration system for registering an excluded IP address according to an exemplary embodiment of the present invention.

FIG. 2 is a diagram illustrating a process of registering excluded IP address information in a face-to-face manner according to an embodiment of the present invention.

3 is a diagram illustrating a non-face-to-face information registration system for registering an excluded overseas IP address according to another exemplary embodiment of the present invention.

4 is a diagram illustrating a process of registering excluded foreign IP address information in a non-face-to-face manner for registering an excluded foreign IP address according to an exemplary embodiment of the present invention.

5A and 5B are diagrams illustrating a process of registering excluded destination overseas IP address information in a non-face-to-face manner to register an excluded destination overseas IP address according to another exemplary embodiment of the present invention.

FIG. 6 is a diagram illustrating a configuration of an information providing system for preventing a financial accident through a notification of access history through an overseas IP address according to an embodiment of the present invention.

7A and 7B are diagrams illustrating a process of providing access history through an overseas IP address to prevent financial accidents through notification of access history through an overseas IP address according to an embodiment of the present invention.

<Description of main parts of drawing>

600: information providing server 605: interface unit

610: interface providing unit 615: information receiving unit

620: service provider 625: information confirmation unit

630: information extraction unit 635: information provider

640: information storage unit 645: storage medium

650: information registration terminal

According to the present invention, when a customer accesses the Internet banking server through the terminal A, the IP address information for the terminal A connected to the Internet banking server is checked, and the foreign IP address is extracted from the checked IP addresses. And collecting the access history through the extracted overseas IP address for a predetermined period (or real time), and storing the access history through the collected foreign IP address in connection with customer information and storing the information on the storage medium. When accessing the Internet banking server through the terminal (B), checking the presence or absence of access history through the overseas IP address for the customer, and providing the connection history through the confirmed overseas IP address to the terminal (B) It relates to a method of providing information related to Internet banking.

In the past, the Internet service was only provided in Korea, and the use of the Internet decreased much by using a telephone line rather than a dedicated Internet line, but due to the development of information and communication technology, In addition, the Internet environment has been further developed overseas, which has caused various problems.

In particular, the problem caused by hacking, which occurs only in Korea, is that various forms of attacks are being made through overseas IP addresses, in addition to portal services, and internet banking services. Although it is being done, it is impossible to block 100% of hacking in reality, and various methods of hacking technology are generated according to the development of technology, and therefore, security problems always exist.

An object of the present invention for solving the above problems, when the customer accesses the Internet banking server through the terminal (A), check the IP address information for the terminal (A) connected to the Internet banking server, and the confirmed Extracting the overseas IP address from the IP address, collecting the access history through the extracted overseas IP address for a predetermined period (or real time), and connecting the access history through the collected overseas IP address with customer information to a storage medium. And storing the information on the access history through the overseas IP address for the customer, and confirming the access history through the confirmed overseas IP address. It is to provide a method for providing information related to Internet banking comprising the step of providing to the terminal (B).

Internet banking related information providing method according to the present invention, when the customer accesses the Internet banking server through the terminal (A), confirms the IP address information for the terminal (A) connected to the Internet banking server, the confirmed Extracting the overseas IP address from the IP address, collecting the access history through the extracted overseas IP address for a predetermined period (or real time), and connecting the access history through the collected overseas IP address with customer information to a storage medium. And storing the information on the access history through the overseas IP address for the customer, and confirming the access history through the confirmed overseas IP address. Characterized in that it comprises the step of providing to the terminal (B).

In addition, when the customer is connected to the Internet banking server through the terminal (B), if the IP address for the terminal (B) is confirmed to be an overseas IP address or a foreign IP address registered among the overseas IP address, It characterized in that it comprises a step of processing so that the access history through the foreign IP address is not provided.

In addition, in the case of a connection through the overseas IP address of the confirmed IP address, the step of confirming whether the confirmed IP address is a registered overseas IP address, and comprises the step of excluding from the access history to notify the customer It is characterized by.

The present invention includes a computer-readable recording medium characterized by recording a program for executing the above-described Internet banking related information providing method.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description 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 the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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

1 is a diagram illustrating a face-to-face information registration system for registering an excluded overseas IP address according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates an exclusionary foreign IP address information including at least one of customer information and IP address information for a predetermined customer to register the exclusion overseas IP address with an information registration system through a predetermined information registration interface. If provided, the system configuration for linking the customer information, IP address information included in the excluded foreign IP address information provided in the information registration system to store in a predetermined storage medium 130, the present invention Those skilled in the art will be able to infer various implementation methods for the configuration of an information registration system for registering an excluded foreign IP address by referring to and / or modifying the present invention, but the present invention infers the above. It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or functional configuration for storing the excluded foreign IP address information provided from the customer on the storage medium 130 through a predetermined information registration interface shown in FIG. 1. The component corresponding to is referred to as " information registration server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the information registration system for registering an excluded foreign IP address includes an information registration terminal 135 including a counter terminal provided in at least one financial institution branch. The information registration terminal 135 is connected to the information registration server 100 provided on the information registration system through a predetermined financial network is connected to the communication channel.

According to an embodiment of the present invention, the customer visits the financial institution branch to register the excluded foreign IP address, and the excluded foreign IP through a window (or a teller) provided at the financial institution branch. When a prescribed application for address registration (e.g., a document having a form for filling in at least one information item for registering an excluded foreign IP address) is completed, and the completed application is submitted to the counter staff, the counter staff Inputs (or selects) information written in the application through a predetermined teller terminal, and the teller terminal receives the input (or selected) information on the information registration system provided through the financial network. It is preferable to transmit to 100.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 100 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, wherein the financial network connecting the window terminal and the information registration server 100 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 100. Do.

In the information registration system as described above, an application created by the customer, a teller terminal used by the teller employee, and a financial network connecting the teller terminal and the information registration server 100 are used by the customer. It performs the function of the information registration interface to register the excluded foreign IP address information for address registration.

The storage medium 130 provided on the information registration system according to the present invention is predetermined by integrating the customer information and IP address information included in the excluded foreign IP address information provided from the information registration terminal 135. Characterized in that stored in the storage medium 130, the exclusion target foreign IP address information including at least one or more customer information, IP address information stored in the storage medium 130 to register the exclusion target overseas IP address To be used.

The customer information includes personal information of the customer (e.g., customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and the member information of the customer (e.g., the customer is the financial institution). At least one of member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the information registration system in response to the customer It is preferable to comprise as mentioned above.

The IP (Internet Protocol) address information provides access history through an overseas IP address according to the present invention among IP addresses for the terminal when the customer accesses a banking server through a predetermined terminal in order to use a banking service. However, it is preferable to include one or more IP address information for the excluded IP address.

According to the exemplary embodiment of the present invention, the IP address information may include an IP address band for a specific section.

For example, when the IP address band is set to 210.204.000.000 to 210.207.255.255, it is preferable that all IP addresses in Korea are set to allowable addresses.

According to another embodiment of the present invention, it is preferable that the IP address information includes one or more IP addresses.

According to one embodiment of the invention, the storage medium 130 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 130 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another embodiment of the present invention, the storage medium 130 is provided on (or associated with) the internet banking system, and / or the telebanking system, and / or the wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 100 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal 135 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 135 is a window terminal connected to a predetermined financial network, the information registration server 100 is connected to the window terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to an embodiment of the present invention, the information registration server 100 is provided with an interface unit 105 (or interface means) for connecting and managing a predetermined communication channel with the information registration terminal 135 through the financial network. Characterized in that made.

According to an embodiment of the present invention, when the information registration terminal 135 is a window terminal connected to a predetermined financial network, the interface unit 105 may be connected to the window terminal based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, the information registration server 100 connects a communication channel with the information registration server 100 through a predetermined information registration terminal 135 through the interface unit 105, and then the interface unit ( In connection with 105, the information registration terminal 135 generates (or extracts) a predetermined user interface for inputting (or selecting) predetermined foreign IP address information to be excluded to the information registration terminal 135. Provided by the interface providing unit 110 (or interface providing means) and the interface unit 105 to provide a predetermined exclusion target that is input (or selected) transmitted through the user interface from the information registration terminal 135 Information receiving unit 115 (or information receiving means) for receiving overseas IP address information, and validating unit 120 (or validity checking) for checking the validity of the received excluded overseas IP address information. However, the information storage unit 125 (or information storage) for linking and processing the customer information and the IP address information included in the excluded foreign IP address information whose validity is confirmed and stored in a predetermined storage medium 130. Means).

The interface providing unit 110 is a predetermined information registration terminal 135 is connected to the information registration server 100 and the communication channel through the interface unit 105, the information registration terminal 135 is provided In response to the functional configuration, a predetermined user interface capable of inputting (or selecting) the excluded foreign IP address information to be transmitted to the information registration server 100 through the financial network, and / or a predetermined database ( And extract the generated (or extracted) user interface in cooperation with the interface unit 105 to the information registration terminal 135 through the financial network.

At least one user interface for inputting (or selecting) the excluded foreign IP address information to the information registration terminal 135 and transmitting the information to the information registration server 100 through the financial network according to another embodiment of the present invention. When a predetermined information registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal 135 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 135 inputs (or selects) excluded foreign IP address information including at least one of the customer information and IP address information based on the user interface, and the input (or selects) The excluded foreign IP address information is transmitted to the information registration server 100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 135 is a window terminal connected to a predetermined financial network, the interface providing unit 110 may provide a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 105.

The information receiver 115 inputs (or selects) excluded foreign IP address information including at least one of customer information and IP address information from the information registration terminal 135 through the user interface and through the financial network. When transmitting, the exclusion target foreign IP address information is received in cooperation with the interface unit 105, and the received exclusion target foreign IP address information is provided to the validity confirming unit 120.

The validity confirming unit 120 checks whether the excluded foreign IP address information received from the information registration terminal 135 satisfies the validity for registering the excluded foreign IP address.

According to an embodiment of the present invention, the validity check of the excluded foreign IP address information includes at least one ledger information matching the excluded foreign IP address information in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking whether is registered.

For example, the validity check of the excluded foreign IP address information confirms whether the customer information included in the excluded foreign IP address information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable that it consists of including.

When the validity of the excluded foreign IP address information is confirmed, the information storage unit 125 processes the customer information and IP address information included in the excluded foreign IP address information and stores them in the storage medium 130. When the storage medium 130 is provided in the information registration server 100 or on the network associated with the information registration server 100, the information storage unit 125 is It is preferable to store and store the customer information and IP address information included in the received excluded foreign IP address information in the storage medium 130, and the storage medium 130 is provided in the DBMS provided on the financial system. If so, the information storage unit 125 is provided on the financial system by providing the customer information, IP address information included in the received excluded foreign IP address information to the information system through the external system on the financial system It is desirable to store in a DBMS.

2 is a diagram illustrating a process of registering excluded IP address information in a face-to-face manner according to an embodiment of the present invention.

More specifically, FIG. 2 is a case where the information registration server 100 on the information registration system shown in FIG. 1 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. The client terminal accesses the information registration server 100 and connects a communication channel for registering an excluded IP address according to the present invention, and then connects the customer to the information registration server 100 through the communication channel. When the exclusion target foreign IP address information including information, IP address information is transmitted, the customer registration information and IP address information included in the received exclusion target foreign IP address information are transmitted by the information registration server 100. As a method for storing in the storage medium 130 of the present invention, those skilled in the art to which the present invention pertains, the window terminal by referring to and / or modifying the present Figure 2 In the information registration server 100 may be inferred various implementation methods for registering the excluded foreign IP address information, the present invention includes all the implementation methods inferred, the implementation method shown in Figure 2 It is not limited to this.

Hereinafter, in FIG. 2, the window terminal shown in FIG. 1 will be referred to as a "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as a "server" for convenience, and the information will be registered in the window terminal. The customer information and IP address information transmitted to the server 100 are referred to as "excluded target foreign IP address information" for convenience.

Referring to FIG. 2, the window terminal shown in FIG. 1 connects a predetermined communication channel for registering the excluded foreign IP address information by accessing the server through a predetermined financial network, and the excluded foreign IP. When requesting to register the excluded foreign IP address information for address registration (200), the server generates (or extracts) a predetermined information registration interface for registering the excluded foreign IP address information (205), and The generated (or extracted) information registration interface is transmitted to the terminal through a communication channel and output (210).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) excluded foreign IP address information including at least one of the customer information and IP address information in the terminal. Do.

Thereafter, the terminal inputs (or selects) excluded foreign IP address information including at least one or more customer information and IP address information through the information registration interface (215).

If the excluded foreign IP address information including the customer information and IP address information is input (or selected) through the information registration interface (220), the terminal inputs (or selects) the information through the financial network. In step 225, the excluded target foreign IP address information including the customer information and the IP address information is transmitted to the server.

Thereafter, the server receives and reads the customer information and the IP address information through the financial network to check the validity of the excluded foreign IP address information (230).

According to an embodiment of the present invention, the validity check of the excluded foreign IP address information includes at least one ledger information matching the excluded foreign IP address information in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking whether is registered.

For example, the validity check of the excluded foreign IP address information confirms whether the customer information included in the excluded foreign IP address information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable that it consists of including.

If the validity of the excluded foreign IP address information is not authenticated (235), the server generates predetermined information registration error information and transmits it to the terminal (240) and corresponds to the excluded foreign IP address information. Do not perform the information registration procedure.

On the other hand, if the validity of the excluded foreign IP address information is authenticated (235), the server performs an information registration procedure corresponding to the excluded foreign IP address information, thereby linking the customer information and IP address information to a predetermined value. It is stored in the storage medium 130 of (245).

According to one embodiment of the invention, the storage medium 130 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 130 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another embodiment of the present invention, the storage medium 130 is provided on (or associated with) the Internet banking system, and / or the telebanking system, and / or the wireless banking system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (250), thereby completing the procedure of registering the excluded foreign IP address information transmitted from the terminal.

3 is a diagram illustrating a non-face-to-face information registration system for registering an excluded overseas IP address according to another embodiment of the present invention.

In more detail, FIG. 3 illustrates a target customer's excluded foreign IP address information including at least one of customer information and IP address information for registering the excluded foreign IP address to the information registration system through a predetermined information registration interface. If provided, the system configuration for linking the customer information, IP address information included in the provided excluded foreign IP address information in the information registration system to store in a predetermined storage medium 330, the present invention Those skilled in the art will be able to infer various implementation methods for the configuration of an information registration system for registration of excluded foreign IP addresses by referring to and / or modifying the drawing 3, but the present invention infers the above-mentioned. It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or function for storing the excluded foreign IP address information provided from the customer on the storage medium 330 through a predetermined information registration interface shown in FIG. 3. Components corresponding to the configuration are referred to as " information registration server 300 " for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, the information registration system for registering an excluded foreign IP address includes at least one client terminal including at least one wired terminal and / or wireless terminal used by a customer. And an information registration terminal 335 including the above, wherein the information registration terminal 335 has a communication channel with the information registration server 300 provided on the information registration system through a predetermined network means. Connected.

According to an embodiment of the present invention, the customer accesses the information registration server 300 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When inputting (or selecting) the excluded foreign IP address information for registering the excluded foreign IP address through at least one user interface provided by the information registration server 300, the client terminal receives a predetermined network means. It is preferable to transmit to the information registration server 300 provided on the information registration system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based portable Internet, and / or Motorola's DataTAC scheme And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless day It is preferable to include at least one or more wireless data communication terminal connected to the communication network.

In addition, the information registration server 300 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 300 is a CDMA based mobile communication network and / or IEEE 802.16x based portable Internet and / or DataTAC / according to the type of wireless communication network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 300, and inputs and / or selects at least one or more information through the user interface to the information registration server 300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 300, etc.) is provided.

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

In the information registration system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the information registration server 300 and And / or the wireless communication network performs a function of an information registration interface for the customer to register excluded foreign IP address information for registering the excluded foreign IP address.

According to another exemplary embodiment of the present invention, the information registration terminal 335 is an automatic teller machine (ATM), a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal 335 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the information registration server. The financial network connecting 300 performs a function of an information registration interface for the customer to register the excluded foreign IP address information for registering the excluded foreign IP address, and / or the information registration terminal 335 In the case of the call terminal (not shown), the customer is excluded from the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 300. Performs a function of an information registration interface for registering excluded foreign IP address information for registering a target foreign IP address, and / or with the financial institution that is the information registration terminal 335 In the case of a terminal (and / or server) (not shown) provided in an established institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the information registration server ( The network connecting 300 performs a function of an information registration interface for the customer to register the excluded foreign IP address information for registering the excluded foreign IP address.

The storage medium 330 provided on the information registration system according to the present invention is predetermined by integrating the customer information and IP address information included in the excluded foreign IP address information provided from the information registration terminal 335. Characterized in that the storage medium 330, wherein the excluded foreign IP address information including at least one of the customer information, IP address information stored in the storage medium 330 to register the excluded foreign IP address To be used.

The customer information includes personal information of the customer (e.g., customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and the member information of the customer (e.g., the customer is the financial institution). At least one of member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the information registration system in response to the customer It is preferable to comprise as mentioned above.

The IP (Internet Protocol) address information provides access history through an overseas IP address according to the present invention among IP addresses for the terminal when the customer accesses a banking server through a predetermined terminal in order to use a banking service. However, it is preferable to include one or more IP address information for the excluded IP address.

According to the exemplary embodiment of the present invention, the IP address information may include an IP address band for a specific section.

For example, when the IP address band is set to 210.204.000.000 to 210.207.255.255, it is preferable that all IP addresses in Korea are set to allowable addresses.

According to another embodiment of the present invention, it is preferable that the IP address information includes one or more IP addresses.

According to one embodiment of the invention, the storage medium 330 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium Reference numeral 330 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 330 is provided on (or associated with) the Internet banking system, and / or the telebanking system, and / or the wireless banking system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 300 provided on the information registration system according to the present invention is a generic term for the information registration system side components connected to the information registration terminal 335 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 335 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 300 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It shall be defined.

According to another embodiment of the present invention, when the information registration terminal 335 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 300 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) provided on the external system on the financial system, or a program included in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). Or / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another embodiment of the present invention, when the information registration terminal 335 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 300 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world of the above, and / or a program provided in the external world of the financial system, whereby the present invention is not limited. No.

According to another embodiment of the present invention, when the information registration terminal 335 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 300 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 300 is characterized in that it comprises an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal 335 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 335 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 305 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on the established protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is preferable.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 305 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a communication program provided by the information registration server 300 (eg, an internet banking program), the interface unit 305 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 335 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 305 uses a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 305 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 300, the interface unit 305 is connected with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 335 is a financial automation device connected to a predetermined financial network, the interface unit 305 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with the automated teller machine and using a communication protocol defined in a financial transaction related program included in the automated teller machine. .

According to another embodiment of the present invention, when the information registration terminal 335 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 305 is connected to the wired telephone network and / or It is preferable to connect the call terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another embodiment of the present invention, when the information registration terminal 335 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 305 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 3, the information registration server 300 connects a communication channel with the information registration server 300 through a predetermined information registration terminal 335 through the interface unit 305, and then the interface unit ( In operation 305, the information registration terminal 335 generates (or extracts) a predetermined user interface which inputs (or selects) and transmits certain excluded foreign IP address information to the information registration terminal 335. Provides the interface providing unit 310 and the predetermined foreign destination IP address information input (or selected) transmitted by the information registration terminal 335 through the user interface in cooperation with the interface unit 305. An information receiving unit 315 and an information storage unit 325 configured to link and process the customer information and IP address information included in the received excluded foreign IP address information in a predetermined storage medium 330. Characterized in that W is made.

The interface providing unit 310 is provided in the information registration terminal 335 after a predetermined information registration terminal 335 connects the communication channel with the information registration server 300 through the interface unit 305. In response to the functional configuration, a predetermined user interface capable of inputting (or selecting) the excluded foreign IP address information to be transmitted to the information registration server 300 through the network means, and / or a predetermined database ( And extract the generated (or extracted) user interface in cooperation with the interface unit 305 to the information registration terminal 335 through the network means.

Thereafter, the information registration terminal 335 inputs (or selects) the excluded foreign IP address information including at least one of the customer information and IP address information based on the user interface, and the input (or selects) Excluding the target foreign IP address information is transmitted to the information registration server 300 through the financial network.

When the information registration terminal 335 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network according to an embodiment of the present invention, the interface providing unit 310 Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 305 to the client terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 335 is a financial automation device connected to a predetermined financial network, the interface providing unit 310 is a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal 335 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 310 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal 335 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 310 is the call terminal (shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS-based user interface) through the interface unit 305 to the call terminal (not shown). Is preferably provided.

According to another embodiment of the present invention, when the information registration terminal 335 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface providing unit 310 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or an interactive digital TV) through the interface unit 305. .

At least one user interface for inputting (or selecting) the excluded foreign IP address information to the information registration terminal 335 according to another embodiment of the present invention and transmitting the information to the information registration server 300 through the network means. When a predetermined information registration program is provided, the interface providing unit 310 for providing the user interface to the information registration terminal 335 may be omitted, and the present invention is not limited thereto.

The information receiving unit 315 inputs (or selects) excluded foreign IP address information including at least one of customer information and IP address information through the user interface through the user interface through the network means. When transmitting, the exclusion target foreign IP address information is received in cooperation with the interface unit 305, and the received exclusion target foreign IP address information is provided to the validity confirming unit 320.

The validity confirming unit 320 checks whether the excluded foreign IP address information received from the information registration terminal 335 satisfies the validity for registering the excluded foreign IP address.

According to an embodiment of the present invention, the validity check of the excluded foreign IP address information includes at least one ledger information matching the excluded foreign IP address information in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking whether is registered.

For example, the validity of the excluded foreign IP address information is determined whether the customer information included in the excluded foreign IP address information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

When the validity of the excluded overseas IP address information is confirmed, the information storage unit 325 processes the customer information and IP address information included in the excluded overseas IP address information and stores the data in the storage medium 330. When the storage medium 330 is provided in the information registration server 300 or on the network associated with the information registration server 300, the information storage unit 325 is the It is preferable to store and store the customer information and IP address information included in the received excluded foreign IP address information in the storage medium 330, and the storage medium 330 is provided in the DBMS provided on the financial system. If the information storage unit 325 is provided on the financial system by providing the customer information, IP address information included in the received excluded foreign IP address information to the information system through the external system on the financial system It is desirable to store in a DBMS.

4 is a diagram illustrating a process of registering the excluded foreign IP address information in a non-face-to-face manner in order to register the excluded foreign IP address according to an exemplary embodiment of the present invention.

In more detail, FIG. 4 shows a case where the information registration server 300 on the information registration system shown in FIG. 3 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 300 to connect the communication channel for registration of the excluded foreign IP address according to the present invention, the information registration server 300 through the communication channel includes the customer information, IP address information When the exclusion target foreign IP address information is transmitted, the customer registration information and IP address information included in the received exclusion target foreign IP address information are linked to the predetermined storage medium 330. As a storage method, a person of ordinary skill in the art to which the present invention pertains can refer to and / or modify this client to refer to FIG. Although various implementation methods for registering the excluded foreign IP address information from the terminal to the information registration server 300 may be inferred, the present invention includes all the implementation methods inferred, and is illustrated in FIG. 4. It is not limited to the method.

Hereinafter, in FIG. 4, the client terminal illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the information registration server 300 illustrated in FIG. 3 is referred to as a “server” for convenience and the information is registered in the client terminal. The customer information and IP address information transmitted to the server 300 is referred to as "excluded target foreign IP address information" for convenience.

Referring to Figure 4, the client terminal shown in Figure 3 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for registering the excluded foreign IP address information by accessing the server through a communication network, and / or an IEEE 802.16x based portable Internet, etc., and the exclusion for registering the excluded foreign IP address. When requesting registration of target foreign IP address information (400), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the excluded foreign IP address information (405), and the communication channel. The generated (or extracted) web page is transmitted to the terminal through the output (410).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) excluded foreign IP address information including at least one of the customer information and IP address information in the terminal. Do.

In addition, the web page transmission and / or output process is preferably performed at least one or more times according to the exclusion target foreign IP address information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) excluded foreign IP address information including at least one or more customer information and IP address information through the information registration interface (415).

If the excluded foreign IP address information including the customer information and IP address information is input (or selected) through the information registration interface (420), the terminal inputs (or selects) the communication channel. The customer information and IP address information are transmitted to the server (425).

According to an embodiment of the present invention, transmitting the customer information and the IP address information input (or selected) through the communication channel to the server may include an excluded foreign IP input (or selected) through the information registration interface. The electronic device may further include transmitting the address information to the server through an electronic signature and / or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the customer information and the IP address information through the communication channel to check the validity of the excluded foreign IP address information (430).

According to an embodiment of the present invention, checking the validity of the excluded foreign IP address information may include: when the excluded foreign IP address information is electronically signed and / or encrypted through a security module provided in the terminal, Decrypting the excluded foreign IP address information, and / or decrypting the excluded foreign IP address information.

According to an embodiment of the present invention, the validity check of the excluded foreign IP address information includes at least one ledger information matching the excluded foreign IP address information in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking whether is registered.

For example, the validity check of the excluded foreign IP address information confirms whether the customer information included in the excluded foreign IP address information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable that it consists of including.

If the validity of the excluded foreign IP address information is not authenticated (435), the server generates a web page including predetermined information registration error information and transmits the generated web page to the terminal (440). Do not perform the information registration procedure corresponding to the address information.

On the other hand, if the validity of the excluded foreign IP address information is authenticated (435), the server performs an information registration procedure corresponding to the excluded foreign IP address information, thereby linking the customer information and IP address information to a predetermined value. The storage medium 330 is stored (445).

According to one embodiment of the invention, the storage medium 330 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium Reference numeral 330 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 330 is provided on (or associated with) the Internet banking system, and / or the telebanking system, and / or the wireless banking system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (450), thereby completing the procedure of registering the excluded foreign IP address information transmitted from the terminal.

5A and 5B illustrate a process of registering excluded foreign IP address information in a non-face-to-face manner for registering an excluded foreign IP address according to another exemplary embodiment of the present invention.

In more detail, FIGS. 5A and 5B illustrate that when the information registration system shown in FIG. 3 is realized through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal is a TCP / IP-based network (eg, After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, etc., the predetermined terminal foreign IP address information for registering the excluded foreign IP address in the client terminal is read to the Internet banking server. When the exclusion target foreign IP address information including customer information and IP address information is transmitted, the customer registration information and IP address information included in the received exclusion target overseas IP address information are linked by the information registration server 300. As an embodiment of the present invention for storing in a predetermined storage medium 330, having ordinary skill in the art However, various implementation methods for registering the excluded foreign IP address information from the client terminal to the information registration server 300 may be inferred by referring to and / or modifying the drawings 5a and 5b. It includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 5A and 5B.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 5A and 5B, the browser program is used. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the excluded foreign IP address information between the client terminal and the Internet banking server based on the present invention, those of ordinary skill in the art The client terminal and the Internet banking server based on a predetermined Internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 5A and 5B. Excluded between Although it may be possible to infer an implementation method of connecting an Internet banking-based financial transaction channel for registering overseas IP address information, the present invention includes an Internet banking-based financial transaction provided based on the Internet banking program, thereby The present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 5a and 5b, a telebanking system And / or a method of connecting a non-face-to-face channel-based financial transaction channel for registering excluded foreign IP address information in another banking system such as a wireless banking system and / or a TV banking system, but the present invention can be inferred from the above. It includes all types of non-face-to-face channel based financial transactions, including telebanking systems and / or wireless banking systems and / or TV banking systems and / or non-face-to-face channel banking systems proposed in the future. It is by no means limited to the case of Internet banking shown in Figs. 5A and 5B.

5A and 5B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 300 is referred to as " server "

5A and 5B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (500a), the server communicates between the terminal and the server through the browser. (505a), 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 in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for internet banking, and / or update the security module Check whether or not (510a).

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 and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be installed and / or updated in the terminal (515a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (520a).

If the terminal does not need to mount and / or update the latest version of the security module for internet banking (525a), or if the terminal does not need to load and / or update the security module for internet banking (515a), the server may By activating the security module for internet banking mounted on the terminal, 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 (530a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the rhythm), and also provided to the server for registration of foreign IP address information to be excluded from the terminal. When the electronic signature is attached to the information (or data) to be performed and / or is encrypted and transmitted by at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method. A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to (and / or an encryption 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 When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the server for registering foreign IP address information excluded from the terminal. Attach certain electronic signatures and / or at least When encrypted and transmitted using one or more encryption methods (and / or encryption algorithms), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

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 (535a).

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 and / 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, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request 540a, the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for a non-face-to-face channel based financial transaction based on the customer authentication data received from the terminal. (545a).

If the Internet banking customer authentication fails (550a), the server blocks the Internet banking security channel for the terminal (555a), 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 (550a), 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 (560a), where the Internet banking based The financial transaction channel refers to a communication channel capable of transmitting and registering predetermined excluded foreign IP address information for registering an excluded foreign IP address from the terminal to the server.

Subsequently, when the terminal requests the internet banking-based excluded foreign IP address information registration to the server through the inter-banking-based financial transaction channel to register the excluded foreign IP address information (500b), the server is excluded. Generate (or extract) a web page corresponding to a predetermined information registration interface for registering overseas IP address information (505b), and transmit the generated (or extracted) web page to the terminal through the internet banking-based financial transaction channel. Transmit and output (510b).

According to an embodiment of the present invention, the information registration interface preferably comprises an interface for inputting (or selecting) excluded foreign IP address information including at least one of customer information and IP address information in the terminal. And / or a predetermined password (eg, account password, etc.) and / or security to verify the validity of the internet banking customer requesting registration of the excluded foreign IP address information and / or the excluded foreign IP address information. Code (e.g. security code printed on security card issued to customer during internet banking application) and / or One Time Password (e.g. internet banking application process (or after internet banking application) provided to financial institution It further includes an interface for inputting a one-time password generated through an OTP authenticator (or OTP authentication program) It is preferable.

In addition, the web page transmission and / or output process is preferably performed at least one or more times according to the exclusion target foreign IP address information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) excluded foreign IP address information including at least one of the customer information and IP address information through the information registration interface (515b).

If the terminal receives (or selects) the excluded foreign IP address information including the customer information and the IP address information through the information registration interface (520b), the terminal inputs the input (or through the financial transaction channel). The selected excluded foreign IP address information is transmitted to the server (525b).

According to the method of the present invention, transmitting the excluded foreign IP address information input (or selected) through the financial transaction channel to the server may include the excluded foreign material input (or selected) through the information registration interface. And transmitting the IP address information to the server by digitally signing and / or encrypting the security module provided in the terminal.

Thereafter, the server receives and reads the excluded foreign IP address information through the financial transaction channel to check the validity of the excluded foreign IP address information (530b).

According to an embodiment of the present invention, checking the validity of the excluded foreign IP address information may include: when the excluded foreign IP address information is electronically signed and / or encrypted through a security module provided in the terminal, Decrypting the excluded foreign IP address information, and / or decrypting the excluded foreign IP address information.

In addition, the validity check of the excluded foreign IP address information, it is preferable to further comprise the authentication of the password and / or security code and / or OTP contained in the excluded foreign IP address information.

According to an embodiment of the present invention, the validity of the excluded foreign IP address information is determined by at least one ledger matched with the excluded foreign IP address information in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking whether the information is registered.

For example, the validity check of the excluded foreign IP address information confirms whether the customer information included in the excluded foreign IP address information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable that it consists of including.

If the validity of the excluded foreign IP address information is not authenticated (535b), the server generates a web page including a predetermined excluded foreign IP address information registration error information and transmits it to the terminal (540b), The information registration procedure corresponding to the excluded foreign IP address information is not performed.

On the other hand, if the validity of the excluded foreign IP address information is authenticated (535b), the server performs the information registration procedure corresponding to the excluded foreign IP address information, the customer information included in the excluded foreign IP address information In operation 545b, the IP address information is cooperatively processed and stored in the predetermined storage medium 330.

According to one embodiment of the invention, the storage medium 330 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage The medium 330 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 330 is provided on (or associated with) the Internet banking system, and / or the telebanking system, and / or the wireless banking system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined exclusion target overseas IP address information registration history information and transmits it to the terminal (550b), thereby completing the exclusion target overseas IP address information registration transmitted from the terminal.

FIG. 6 is a diagram illustrating a configuration of an information providing system for preventing financial accidents through notification of access history through an overseas IP address according to an embodiment of the present invention.

In more detail, in FIG. 6, when a terminal accesses a server to use a banking service, the present invention checks an IP address of the terminal and checks whether the checked IP address is an overseas IP address or a domestic IP address. After that, the configuration of the information providing system for preventing financial accidents through illegal overseas IP address by providing to the customer logged in through the terminal, if the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying the Figure 6 it can be inferred various implementation methods for the configuration of the information providing system for the prevention of financial accidents through notification of access history through the overseas IP address, the present invention is all inferred implementation method It is not limited to the implementation method shown in FIG.

Hereinafter, to check the IP address of the at least one terminal connected to the server for using the banking service on the information providing system shown in Figure 6, and to classify the identified IP address into domestic or overseas to notify the customer Components corresponding to at least one or more means and / or functional configurations are referred to as " information providing server 600 " for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, an information providing system for preventing a financial accident through notification of access history through the foreign IP address includes at least one wired terminal and / or a wireless terminal used by a customer. And a client terminal including at least one client terminal or the like, wherein the client terminal is connected to an information providing server 600 provided on the information providing system through a predetermined network means. do.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based portable Internet, and / or Motorola's DataTAC scheme And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless day It is preferable to include at least one or more wireless data communication terminal connected to the communication network.

In addition, the information providing server 600 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And, and / or preferably comprises a separate web server for providing the banking service.

In addition, the network means for connecting the client terminal and the information providing server 600 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless communication network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information providing server 600, and inputs and / or selects at least one or more information through the user interface to the information providing server 600. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the information providing server 600, etc.) is provided.

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

The storage medium 645 provided on the information providing system according to the present invention stores customer information and IP address information included in the excluded foreign IP address information registered through the information registration system shown in FIG. 1 or 3. Characterized in that it is stored in a predetermined storage medium 645 by the linkage process, wherein the foreign destination IP address information that includes at least one of the customer information, IP address information stored in the storage medium 645 is excluded Used to register an IP address.

The customer information includes personal information of the customer (e.g., customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and the member information of the customer (e.g., the customer is the financial institution). Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the information registration system shown in FIG. It is preferable that it comprises at least one or more).

The IP (Internet Protocol) address information provides access history through an overseas IP address according to the present invention among IP addresses for the terminal when the customer accesses a banking server through a predetermined terminal in order to use a banking service. However, it is preferable to include one or more IP address information for the excluded IP address.

According to the exemplary embodiment of the present invention, the IP address information may include an IP address band for a specific section.

For example, when the IP address band is set to 210.204.000.000 to 210.207.255.255, it is preferable that all IP addresses in Korea are set to allowable addresses.

According to another embodiment of the present invention, it is preferable that the IP address information includes one or more IP addresses.

According to one embodiment of the invention, the storage medium 645 is preferably provided in a DBMS on a financial system provided on the information providing system (or associated with the information providing system), wherein the storage medium 645 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 645 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information provision system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The information providing server 600 provided on the information providing system according to the present invention is a generic term for the information providing system side component connected to the customer terminal through a predetermined network means, and includes at least one server (or device). It may be implemented to include, and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the customer terminal is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information providing server 600 is the Internet banking. Any server (or device) provided with a predetermined Internet banking server provided on the system, and / or a program provided with the Internet banking server, and / or accessible to the outside world of the financial system through the Internet banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the Internet banking server (and / or the server (or device)). Or, and / or a program provided to the outside world on the financial system, whereby the present invention is not limited. No.

According to another exemplary embodiment of the present invention, when the customer terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information providing server 600 is provided on the wireless banking system. A predetermined wireless banking server, and / or a program included in the wireless banking server, and / or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or the server A program included in (or a device), and / or a server (or device) provided in an external world on the financial system accessible through the wireless banking server (and / or the server (or device)), and // Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the customer terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information providing server 600 is provided on the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server), and / or a program included in the telebanking server, and / or accessible to the external system of the financial system through the telebanking system. A foreign server on the financial system that is a server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided and / or a program provided in the external world on the financial system, whereby the present invention is not limited .

According to another exemplary embodiment of the present invention, when the customer terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information providing server 600 is connected to the TV banking system. Is a predetermined TV banking server provided in and / or a program provided in the TV banking server, and / or a predetermined server (or device) accessible to the outside world of the financial system through the TV banking system; A program provided in the server (or device), and / or a server (or device) provided in the external world on the financial system accessible through the TV banking server (and / or the server (or device)), And / or a program provided in the external system on the financial system, whereby the present invention is not limited.

According to an embodiment of the present invention, the information providing server 600 is provided with an interface unit 605 (or interface means) for connecting and managing a predetermined communication channel with the customer terminal through the network means. It is done.

According to an embodiment of the present invention, when the customer terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 605 may implement a protocol stack defined in the wired communication network and / or a wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 605 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information providing server 600, the interface unit 605 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the customer terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 605 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 605 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information providing server 600, the interface unit 605 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal is a financial automation device connected to a predetermined financial network, the interface unit 605 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the customer terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 605 is defined in the wired telephone network and / or a wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on the established voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 605 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the customer terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 605 is based on a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmit or receive at least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 6, the information providing server 600 connects a communication channel with the information providing server 600 through the interface unit 605 and then interworks with the interface unit 605. Interworking with the interface providing unit 610 (or interface providing means) for generating (or extracting) a predetermined user interface for providing a banking service to the customer terminal and providing the banking service to the customer terminal. Information receiving unit 615 (or information receiving means) for receiving one or more information input (or selected) and transmitted from the customer terminal through the user interface, and one or more information received through the information receiving unit 615. It is characterized by comprising a service providing unit 620 (or service providing means) for providing a financial service based on.

The interface providing unit 610 connects a communication channel with the information providing server 600 through the interface unit 605, and then provides a banking service in response to the functional configuration provided in the customer terminal. Generate a predetermined user interface for providing, and / or extract from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 605 via the network means. Characterized in that provided to the customer terminal.

Thereafter, the customer terminal transmits one or more information input (or selected) through the user interface to the information providing server 600 through the network means.

According to an embodiment of the present invention, when the customer terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 610 is the client terminal. Generating (or extracting) a predetermined user interface that can be provided by a browser program and / or a communication program included in the apparatus, and providing the generated (or extracted) user interface to the client terminal through the interface unit 605. desirable.

According to another exemplary embodiment of the present invention, when the customer terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 610 may provide a predetermined financial transaction-related program provided in the financial automation device. It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the ATM using the interface unit 605.

According to another exemplary embodiment of the present invention, when the customer terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 610 may include a browser program and / or provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the customer terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 610 is provided to the call terminal (not shown). Generates (or extracts) a predetermined user interface, and provides the generated (or extracted) user interface (eg, ARS-based user interface) to the call terminal (not shown) through the interface unit 605. It is preferable.

According to another embodiment of the present invention, when the customer terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface providing unit 610 is provided to the wired terminal (or two-way digital TV). It is desirable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 605.

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) one or more information for using the banking service to the customer terminal and transmitting the information to the information providing server 600 through the network means. If a predetermined banking program is provided, the interface providing unit 610 for providing the user interface to the customer terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 615 inputs (or selects) one or more pieces of information through the user interface in the customer terminal and transmits the information through the network means. Or select) one or more pieces of information, and provides the received one or more pieces of information to the service provider 620.

The service provider 620 may provide a banking service in connection with a financial system based on one or more information input (or selected) from the customer terminal through the provided user interface.

For example, when one or more pieces of information received from the customer terminal are financial transaction request information, it is preferable to provide a financial transaction service corresponding to the received financial transaction request.

Alternatively, when the received one or more pieces of information is information query request information, it is preferable to provide an information query service corresponding to the received information query request information.

Referring to FIG. 6, the information providing server 600 checks IP address information of at least one terminal connected to the information providing server 600 in communication with the interface unit 605. 625 (or information checking means), an information extracting unit 630 (or information extracting means) for confirming / extracting a connection history of the checked IP addresses through an overseas IP address, and the extracted overseas IP address. And an information providing unit 635 (or information providing means) for providing the connection details to a terminal designated by the customer (or a terminal connected by the customer).

In addition, the information providing server 600 stores information on the storage medium 645, the connection details through the identified foreign IP address among the IP addresses for the one or more terminals connected to the information providing server 600 is connected. A storage unit 640 (or information storage means) is further provided.

The information checking unit 625 checks IP address information of at least one terminal connected to the information providing server 600 and the communication channel in association with the interface unit 605.

According to the exemplary embodiment of the present invention, the IP address information check for one or more terminals connected to the communication channel with the information providing server 600 further includes terminal IP address information for the terminal to one or more information transmitted from the terminal. It is preferable to include and transmit, and to receive and confirm it.

According to another exemplary embodiment of the present invention, IP address information confirmation of one or more terminals connected to the communication channel with the information providing server 600 may analyze a packet including one or more information (or data) received from the terminal. It can also be confirmed through the analysis of information provided in a specific location.

Persons of ordinary skill in the art to which the present invention pertains know the technical features of the method and / or process of checking the IP address information of the one or more terminals to which the information providing server 600 and the communication channel are connected. The detailed description thereof will be omitted for convenience.

When the IP address information of the one or more terminals connected to the communication channel with the information providing server 600 is confirmed through the information checking unit 625, the information extracting unit 630 is a foreign country of the confirmed IP address information It is characterized by extracting the IP address corresponding to the IP address.

According to the embodiment of the present invention, the IP address extraction corresponding to the overseas IP address is identified as the IP address corresponding to the overseas IP address when the checked IP address is not included in the range of 210.204.000.000 to 210.207.255.255. It is preferable to extract by.

According to another exemplary embodiment of the present invention, it is preferable that the IP address extraction corresponding to the overseas IP address is transmitted to the server managing the IP address to check whether the IP address is an overseas IP address.

Here, when the customer has a pre-registered IP address, if the confirmed IP address is confirmed as an overseas IP address, it is preferable to exclude it from the notification of access history.

In other words, when the customer stays abroad, the banking service is used abroad, and the terminal having a separately assigned IP address is frequently used, the banking service through the overseas IP address is excluded from the notification of access history. It is desirable to make management of the connection details more convenient.

The information providing unit 635 collects the connection details through the extracted one or more foreign IP addresses for a predetermined period of time, or provides the information through a communication means designated by the customer in real time, or by the customer through the customer terminal. When connecting to the providing server 600, it is characterized in that it is provided through a predetermined area on the user interface provided to the customer terminal.

Here, it is preferable that the communication means designated by the customer comprises a mobile phone communication means, an email communication means, a website / blog / bulletin board communication means, and the like.

If the customer accesses the information providing server 600 through a customer terminal and provides a connection history through an overseas IP address, if the IP address of the customer terminal is an overseas IP address, access through an overseas IP address. It is desirable that no details be provided.

The information storage unit 640 stores the connection details through the overseas IP address extracted through the information extraction unit 630 in connection with the customer information about the customer connected to the information providing server 600. do.

Here, the foreign IP connection history information stored in the storage medium 645 may include one or more times of access, IP address information, and service history information.

7A and 7B illustrate a process of providing access history through an overseas IP address in order to prevent financial accidents through notification of access history through an overseas IP address according to an embodiment of the present invention.

In more detail, Figures 7a and 7b are connected to a server to use a banking service in a predetermined terminal, and checks the IP address for the terminal, and whether the confirmed IP address is an overseas IP address or a domestic IP address. After confirming whether or not, the process of providing the access history through the overseas IP address to provide the customer logged in through the terminal to prevent financial accidents through illegal overseas IP address, the configuration of the information providing system As illustrated, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 7a and 7b to prevent financial accidents through notification of access history through foreign IP addresses. It will be possible to infer various implementation methods for the process of providing a connection history through the present invention, the present invention includes all the implementation methods inferred It said, shall not be limited to the exemplary method shown in the figure 7a and figure 7b.

7A and 7B, the customer terminal shown in FIG. 6 is referred to as a "terminal" for convenience, and the information providing server 600 shown in FIG. 6 is referred to as a "server" for convenience.

7A and 7B, when the client terminal illustrated in FIG. 6 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal) Accessing the server via a CDMA based mobile communication network, and / or an IEEE 802.16x based portable Internet, etc.) to request a web page including a user interface for providing a banking service (700), and correspondingly, the server requests the banking. A web page corresponding to a user interface for providing a service is generated (or extracted) (705), and the generated (or extracted) web page is transmitted to the terminal for output through the communication channel (710).

According to an embodiment of the present invention, the user interface for providing the banking service preferably comprises a user interface for inputting (or selecting) one or more information for using the banking service in the terminal.

In addition, the web page transmission and / or output process is preferably performed at least one or more times in accordance with a procedure for inputting (or selecting) one or more information for using the banking service, thereby not limited to the present invention.

Thereafter, the server checks the IP address information of the terminal requesting the user interface for providing the banking service, and checks whether the checked IP address information is included in the overseas IP address (715).

According to the exemplary embodiment of the present invention, the IP address information check for one or more terminals connected to the communication channel with the information providing server 600 further includes terminal IP address information for the terminal to one or more information transmitted from the terminal. It is preferable to include and transmit, and to receive and confirm it.

According to another exemplary embodiment of the present invention, IP address information confirmation of one or more terminals connected to the communication channel with the information providing server 600 may analyze a packet including one or more information (or data) received from the terminal. It can also be confirmed through the analysis of information provided in a specific location.

Persons of ordinary skill in the art to which the present invention pertains know the technical features of the method and / or process of checking the IP address information of the one or more terminals to which the information providing server 600 and the communication channel are connected. The detailed description thereof will be omitted for convenience.

According to the embodiment of the present invention, the IP address extraction corresponding to the overseas IP address is identified as the IP address corresponding to the overseas IP address when the checked IP address is not included in the range of 210.204.000.000 to 210.207.255.255. It is preferable to extract by.

According to another exemplary embodiment of the present invention, it is preferable that the IP address extraction corresponding to the overseas IP address is transmitted to the server managing the IP address to check whether the IP address is an overseas IP address.

Here, when the customer has a pre-registered IP address, if the confirmed IP address is confirmed as an overseas IP address, it is preferable to exclude it from the notification of access history.

In other words, when the customer stays abroad, the banking service is used abroad, and the terminal having a separately assigned IP address is frequently used, the banking service through the overseas IP address is excluded from the notification of access history. It is desirable to make management of the connection details more convenient.

If it is determined that the IP address of the terminal requesting the user interface for using the banking service is not included in the overseas IP address (720), the server checks whether the customer has access history through the overseas IP address for the customer ( 725).

If the access history through the overseas IP address for the customer is confirmed (730), the server processes the output through the user interface provided to the terminal (735).

On the other hand, if it is determined that the IP address of the terminal requesting the user interface for using the banking service is included in an overseas IP address (720), the server stores the connection details of the confirmed overseas IP address in connection with customer information. Stored in medium 645 (740).

Here, according to the setting of the customer (or intention and purpose of those skilled in the art), the details of access through the overseas IP address may be immediately provided through the communication means designated by the customer.

Here, it is preferable that the communication means designated by the customer comprises a mobile phone communication means, an email communication means, a website / blog / bulletin board communication means, and the like.

Thereafter, the terminal determines whether one or more information is input (or selected) through a user interface for using a banking service provided to provide the banking service (745).

If one or more information is input (or selected) through the provided user interface for using the banking service (750), the terminal receives one or more information input (or selected) through the user interface for using the banking service. The server transmits (755) the server through the communication channel, and correspondingly, the server receives one or more information through the communication channel and provides a financial service based on the received one or more information (760).

According to the present invention, by providing the overseas access history to the customer, in advance that there may be a security problem with the customer's banking service, to confirm in advance that the connection is made when the customer does not have access from abroad, This has the advantage of preventing financial accidents using blocking services through financial institutions.

Claims (4)

When the customer accesses the Internet banking server through the terminal A, checking IP address information on the terminal A connected to the Internet banking server, and extracting an overseas IP address from the checked IP addresses; Collecting access history through the extracted foreign IP address for a predetermined period (or real time), and storing the access history through the collected foreign IP address in connection with customer information and storing the information in a storage medium; When the customer accesses the Internet banking server through the terminal B, checks whether there is a connection history through the overseas IP address for the customer, and provides the connection history through the confirmed overseas IP address to the terminal B. Internet banking-related information providing method characterized in that comprises a. The method of claim 1, When the customer accesses the Internet banking server through the terminal B, if it is confirmed that the IP address for the terminal B is an overseas IP address or not a registered overseas IP address among the overseas IP addresses, the overseas And processing such that the access history through the IP address is not provided. The method of claim 1, In the case of the access through the foreign IP address of the confirmed IP address, checking whether the confirmed IP address is a registered overseas IP address, and excluding from the access history to notify the customer; Internet banking related information providing method characterized in that. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1.

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