KR20090036627A - Method and system for outputting advertisement data through internet banking account inquiry area and recording medium therefor - Google Patents

Abstract

The present invention relates to a method and a system for outputting advertisement data through the Internet banking account inquiry area and a recording medium therefor. The method for outputting advertisement data through the Internet banking account inquiry area according to the present invention provides a method for a customer connected through Internet banking. At the account inquiry request, extracting at least one advertisement data to be provided to the client terminal from the advertisement database by the advertisement extracting means, and outputting the extracted advertisement data from the advertisement output means to the account query region provided to the client terminal; Processing.

Description

System and Method for Outputting Advertisement Data by Using Internet Banking Account Referring Region and Program Recording Medium}

1 illustrates a configuration of an advertisement data output system for exposing an advertisement on an Internet banking account inquiry area according to an embodiment of the present invention.

2 is a diagram illustrating an information registration system for exposing an advertisement on an Internet banking account inquiry area according to an embodiment of the present invention.

3 is a diagram illustrating an information registration process for exposing an advertisement on an Internet banking account inquiry area according to an embodiment of the present invention.

4 is a diagram illustrating a configuration of an internet banking system for exposing an advertisement on an internet banking account inquiry area according to an embodiment of the present invention.

5A and 5B are views illustrating a process of exposing advertisements on an Internet banking account inquiry area according to an embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: virtual account opening server

110: Internet banking server 750: advertising exposure confirmation unit

755: information storage unit 760: transfer processing unit

770: incentive provider 780: storage medium

The present invention is to extract at least one or more advertisement data to be provided to the customer terminal from the advertising database in the advertisement extracting means when the account inquiry request of the customer connected through the Internet banking, and the extracted advertising data in the advertising output means The present invention relates to a method for outputting advertisement data through an internet banking account inquiry area, which includes processing the output to an account inquiry area provided to a customer terminal.

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

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

An object of the present invention for solving the problem is an advertisement extracting means for extracting at least one or more advertisement data to be provided to the customer terminal from the advertising database when the account inquiry request of the customer connected through the Internet banking, and the extracted advertisement The present invention provides an advertisement data output system through an internet banking account inquiry area including an advertisement output means for processing data to be output to an account inquiry area provided to a customer terminal.

In the method of outputting advertisement data through the Internet banking account inquiry area according to the present invention, when requesting the account inquiry of a customer connected through Internet banking, the advertisement extracting means extracts at least one advertisement data to be provided to the customer terminal from an advertisement database. And processing the extracted advertisement data to be output to the account inquiry area provided to the customer terminal by the advertisement output means.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the advertising data output method through the above-described Internet banking account inquiry area.

On the other hand, the advertisement data output system through the Internet banking account inquiry area according to the present invention, the advertisement for extracting at least one advertisement data to be provided to the customer terminal from the advertising database when the account inquiry request of the customer connected through the Internet banking And extraction means and advertisement output means for processing the extracted advertisement data to be output to the account inquiry area provided to the customer terminal.

According to the present invention, the advertisement output means, when outputting the extracted advertising data to the account query area, the brightness of the advertisement data in contrast to the color of the letters (including numbers, special characters) representing the account inquiry contents, It is characterized in that the processing to be output by adjusting the chroma, saturation.

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

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

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

1 illustrates a configuration of an advertisement data output system for exposing an advertisement on an Internet banking account inquiry area according to an embodiment of the present invention.

In more detail, in FIG. 1, when a customer who has subscribed to a predetermined Internet banking accesses an Internet banking for a financial transaction through a predetermined customer terminal and uses an account inquiry service during the Internet banking, the customer has an account inquiry area. The present invention relates to a configuration of an advertisement data output system for exposing an advertisement to an advertisement data output system, and a person skilled in the art may refer to or modify the advertisement data output system configuration shown in FIG. Various implementation methods for the advertisement data output system configuration for exposing the advertisement on the banking account inquiry area may be inferred, but the present invention includes all the inferred implementation methods. It is not limited to the advertisement data output system configuration shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, the advertisement data output system is configured to expose an advertisement on the Internet banking account inquiry area (eg, account inquiry screen, loan inquiry screen, fund inquiry screen, etc.). When a predetermined advertiser terminal accesses a server on the information registration system through a predetermined network means and provides advertisement information, the server links the advertisement information provided from the advertiser terminal to a storage medium provided on the information registration system. The information registration server 100 for processing and storing, and when a predetermined client terminal accesses the Internet banking for financial transactions and uses the account inquiry service of the Internet banking, the advertisement is exposed on the account inquiry area requested by the client terminal. Internet banking server 105 for processing and providing to the customer terminal, and the customer using the Internet banking It characterized in that it comprises at least one or more financial system opened a financial account for financial transactions.

The information registration server 100, a predetermined advertiser terminal through a predetermined network means to process the exposure on the Internet banking account inquiry area (for example, account inquiry screen, loan inquiry screen, fund inquiry screen, etc.) When the advertisement information is provided by accessing a server on an information registration system, the server stores the advertisement information provided from the advertiser terminal in association with a storage medium provided on the information registration system and stores the advertisement information. A preferred embodiment of the information registration system including the server 100 will be described in detail with reference to FIG.

The internet banking server 105 is a predetermined Internet to which at least one customer terminal and a communication channel for internet banking are connected based on a transmission control protocol / Internet protocol (TCP / IP) based network (eg, the Internet). As a banking server 105, when the client terminal accesses the internet banking server 105 for a financial transaction and uses the account inquiry service of the Internet banking, the advertisement is exposed to the client terminal on the account inquiry area. A preferred embodiment of the Internet banking system including the Internet banking server 105 will be described in detail with reference to FIG.

The financial system stores and operates ledger information corresponding to a financial account of a customer who uses internet banking for a predetermined financial transaction, and receives or trusts or credits generated from at least one branch (or window). An interconnection between an accounting system that handles window services, such as foreign exchange, an information system that processes headquarters operations, branch office information support and customer information management, and the financial system and at least one other financial system (or payment system); or Access to the financial system from at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) provided on at least one external communication network, or at least one common Various financial transaction interfaces through a network (eg CD common network, financial common network) In addition, the financial system comprises an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and each of the components in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing predetermined information (for example, ledger information, customer information, or management information) required for functioning. do.

In FIG. 1, the advertisement data output system is illustrated and described as an information registration server 100 and an internet banking server 105. However, the present invention is not limited thereto. In the present invention, the advertisement data output system is one server. (Or a device) or at least two or more servers (or devices), and may be implemented in a separate server form for each component constituting each of the servers shown above according to the intention of a person skilled in the art. It is to be clear that.

2 is a diagram illustrating an information registration system for exposing an advertisement on an Internet banking account inquiry area according to an embodiment of the present invention.

In more detail, FIG. 2 shows that when a predetermined advertiser terminal accesses a server on an information registration system through a predetermined network means and provides advertisement information in order to expose an advertisement on the Internet banking account inquiry area, the server provides the advertisement information. As an information registration system configuration for storing the advertisement information provided from the advertiser terminal in association with the storage medium 220 provided on the information registration system, if one of ordinary skill in the art By referring to or modifying FIG. 2, various implementation methods for configuring an information registration system for exposing advertisements on the Internet banking account inquiry area may be inferred. However, the present invention includes all the implementation methods inferred. However, the present invention is not limited to the implementation method shown in FIG. 2 only.

Hereinafter, components corresponding to at least one or more means or functional configurations for storing the advertisement information provided from the advertiser terminal on the storage medium 220 on the information registration system shown in FIG. (100) ".

Referring to FIG. 2 according to an embodiment of the present invention, an information registration system for exposing an advertisement on an Internet banking account inquiry area according to the present invention includes at least one advertiser terminal connected to a predetermined network means; The storage medium 220 for storing and linking the advertisement information transmitted from the advertiser terminal, and is connected to the advertiser terminal through a predetermined network means, and receives the advertisement information transmitted through the network means to receive the storage medium 220 It is characterized in that it comprises an information registration server (100) for storing the cooperative process.

The advertiser terminal registers the information through a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) or cable communication network). A mobile terminal including at least one wired terminal including a desktop computer or a notebook computer connected to the server 100 or a code division multiple access (CDMA) based mobile communication network (or HSDPA based high speed downlink packet access) A wireless terminal including at least one mobile communication terminal connected to a communication network), a portable Internet terminal connected to an IEEE 802.16x based high-speed wireless Internet, or a wireless LAN terminal connected to an IEEE 802.11x based wireless LAN network. Characterized in that it comprises one or more, wherein the advertiser terminal in the information registration server 100 A function configuration (for example, a browser program and a communication function) for outputting at least one interface screen to be provided and for inputting or selecting at least one or more information through the interface screen and transmitting the selected information to the information registration server 100 is provided. It is desirable to have.

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

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

The storage medium 220 provided on the information registration system according to the present invention is characterized in that the advertisement information transmitted from the advertiser terminal is stored in association with the advertisement information, the advertiser information, the advertisement data information and the deposit information It is preferable to include at least one.

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

The advertisement data information is information containing advertisement content for the advertiser to provide an advertisement on an inquiry screen of the Internet banking account inquiry service used by the customer when a predetermined customer is internet banking, bmp, jpg at least one of image file information such as, png, gif, video file information such as mov, avi, wma, mpeg, mpg, mms, rm, flash file information such as flv and swf, and sound file information such as mp3 and wav It is preferable to comprise as mentioned above.

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

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

According to an embodiment of the present invention, the advertisement data is displayed by adjusting the chromaticity of the advertisement when the customer exposes the advertisement on the inquiry screen so as not to interfere with the use of the inquiry service when using the account inquiry service of the Internet banking. It is desirable to minimize the inconvenience when checking, and thereby the present invention is not limited.

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

According to the exemplary embodiment of the present invention, when the advertiser who registers the advertisement is a financial institution associated with the information registration server 100, the deposit information may be omitted, and the present invention is not limited thereto.

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

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

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

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

Referring to FIG. 2, when the predetermined advertiser terminal accesses the information registration server 100 through the interface unit 200, the information registration server 100 interworks with the interface unit 200. An interface providing unit 205 for generating (or extracting) and providing a predetermined interface screen for inputting (or selecting) and transmitting predetermined advertisement information from the advertiser terminal in conjunction with the interface unit 200. And an information receiver 210 for receiving advertisement information inputted (or selected) through an interface screen and an information storage unit 215 for storing the received advertisement information in association with the storage medium 220. Characterized in that made.

The interface providing unit 205 has a function configuration (eg, a browser program provided in the advertiser terminal) provided in the advertiser terminal when a predetermined advertiser terminal is connected to the information registration server 100 through the interface unit 200. Generate a predetermined interface screen that can input (or select) predetermined advertisement information and transmit the predetermined advertisement information to the information registration server 100 through the network means, or extract it from a predetermined database (not shown). In addition, the interface screen 200 is provided with the generated (or extracted) interface screen to the advertiser terminal through the network means.

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

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

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

The information storage unit 215 processes the advertisement information received through the information receiving unit 210 and stores the information in the storage medium 220. The advertisement information includes advertisement information and advertisement data information. It is preferable to include at least one deposit information.

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

The advertisement data information is information containing advertisement content for the advertiser to provide an advertisement on an inquiry screen of the Internet banking account inquiry service used by the customer when a predetermined customer is internet banking, bmp, jpg at least one of image file information such as, png, gif, video file information such as mov, avi, wma, mpeg, mpg, mms, rm, flash file information such as flv and swf, and sound file information such as mp3 and wav It is preferable to comprise as mentioned above.

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

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

According to an embodiment of the present invention, the advertisement data is displayed by adjusting the chromaticity of the advertisement when the customer exposes the advertisement on the inquiry screen so as not to interfere with the use of the inquiry service when using the account inquiry service of the Internet banking. It is desirable to minimize the inconvenience when checking, and thereby the present invention is not limited.

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

According to the exemplary embodiment of the present invention, when the advertiser who registers the advertisement is a financial institution associated with the information registration server 100, the deposit information may be omitted, and the present invention is not limited thereto.

3 is a diagram illustrating an information registration process for exposing an advertisement on an Internet banking account inquiry area according to an embodiment of the present invention.

In more detail, FIG. 3 shows advertisement information for the advertiser terminal on the information registration system shown in FIG. 2 to expose the advertisement on the Internet banking account inquiry area to the information registration server 100 through a predetermined network means. When transmitting, the information registration server 100 is a process for linking the advertisement information and storing it in the storage medium 220, if the person having ordinary knowledge in the technical field to which the present invention belongs, Figure 3 Although various implementation methods for the information registration process for exposing the advertisement on the Internet banking account inquiry area by reference or modification may be inferred, the present invention includes all the implementation methods inferred as shown in FIG. It is not limited only to the implemented method.

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

Referring to FIG. 3, the terminal on the information registration system shown in FIG. 2 connects to the server through the network means and connects a communication channel for exposing the advertisement on the Internet banking account inquiry area (300).

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

Those skilled in the art to which the present invention belongs, the terminal accesses the Internet banking account by accessing the server according to the communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means Since it will be familiar with the technical features of connecting a communication channel for processing the exposure of the advertisement on the area, a detailed description thereof will be omitted for convenience.

When the communication channel for exposing the advertisement on the Internet banking account inquiry area is connected between the terminal and the server as described above, the terminal exposes the advertisement on the Internet banking account inquiry area to the server through the communication channel. Request an interface screen (305), and correspondingly, the server generates (or extracts) an interface screen including a user interface for inputting (or selecting) the advertisement information in the terminal (310), and The generated (or extracted) interface screen is transmitted to the terminal through the communication channel (315).

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

If the advertisement information is input (or selected) at the terminal (325), the terminal transmits the advertisement information to the server through the communication channel (330), and correspondingly, the server transmits the received advertisement information. In step 335, the data is stored in the storage medium 220 illustrated in FIG. 2.

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

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

The advertisement data information is information containing advertisement content for the advertiser to provide an advertisement on an inquiry screen of the Internet banking account inquiry service used by the customer when a predetermined customer is internet banking, bmp, jpg at least one of image file information such as, png, gif, video file information such as mov, avi, wma, mpeg, mpg, mms, rm, flash file information such as flv and swf, and sound file information such as mp3 and wav It is preferable to comprise as mentioned above.

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

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

According to an embodiment of the present invention, the advertisement data is displayed by adjusting the chromaticity of the advertisement when the customer exposes the advertisement on the inquiry screen so as not to interfere with the use of the inquiry service when using the account inquiry service of the Internet banking. It is desirable to minimize the inconvenience when checking, and thereby the present invention is not limited.

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

According to the exemplary embodiment of the present invention, when the advertiser who registers the advertisement is a financial institution associated with the information registration server 100, the deposit information may be omitted, and the present invention is not limited thereto.

4 is a diagram illustrating a configuration of an internet banking system for exposing an advertisement on an internet banking account inquiry area according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates a predetermined Internet banking server to which at least one client terminal and a communication channel for internet banking are connected based on a TCP / IP-based network (eg, the Internet). In step 105, the Internet banking server accesses the Internet banking server 105 for Internet banking through the customer terminal, and uses the Internet banking account inquiry service, and displays an advertisement on the account inquiry area to the customer terminal. As an implementation method for a system, the Internet banking system includes at least one or more customer terminals having a web browser, and an internet banking server 105 that provides an Internet banking service to at least one or more of the customer terminals. The internet banking server 105 provides the Internet banking service through a predetermined interface means. It is possible to link with a financial system that handles the financial affairs necessary to provide.

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

That is, FIG. 4 shows the present invention between the customer terminal and the Internet banking server 105 based on a predetermined browser program (for example, Microsoft's Internet Explorer or Netscape's Netscape Navigator, etc.) included in the customer terminal. Although the method of implementing the Internet banking system for processing the financial transaction according to the present invention, those skilled in the art to which the present invention belongs, Internet banking based financial transaction channel connection method using the browser program shown in Figure 4 Based on a predetermined Internet banking program mounted on the customer terminal by referring to or modified to infer the configuration of the Internet banking system for processing the financial transaction according to the present invention between the customer terminal and the Internet banking server 105. However, the present invention is based on the Internet banking program It includes an Internet banking system provided by, and the present invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to or modify the configuration of the Internet banking system shown in Figure 4, for the non-face-to-face channel-based financial transactions according to the present invention It would be possible to infer another banking system, such as a telebanking system or a wireless banking system or a TV banking system, but the present invention includes the telebanking system or a wireless banking system or a TV banking system or a future non-face-to-face banking system. It includes all types of non-facing channel banking systems, and the technical configuration of the present invention is not limited to the case of the Internet banking shown in FIG.

The client terminal is provided with a desktop having at least one web browser for accessing the internet banking server 105 based on the TCP / IP-based wired communication function and the wired communication function to receive a browsing-based wired web service. Desktop) characterized in that it comprises a wired terminal including at least one computer or a notebook (Notebook), the Internet banking server 105 and the Internet through a predetermined network means including the Internet based on the TCP / IP A communication channel for banking is connected.

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

According to an embodiment of the present invention, the Internet banking server 105 is interlocked with the financial system through the external system, and for this purpose, the Internet banking server 105 is interlocked with the Internet banking server 105 through a predetermined interface means. It is preferred to include a component for.

The internet banking server 105 is a database for storing web operation data including at least one web page source or digital content for providing a predetermined web service to at least one or more customer terminals, or in conjunction with the financial system. A banking D / B 450 including a database for storing Internet banking information required to provide an internet banking service of the bank, or a data server provided with the banking D / B 450 according to an implementation method. It characterized in that the interworking, whereby a predetermined Internet banking service is provided to at least one or more of the customer terminal.

According to the method of the present invention, the Internet banking information is at least one or more customer terminals authenticate the customer corresponding to the customer terminal when connecting and logging into the Internet banking server 105, or the customer is the Internet banking server Customer authentication for authenticating the financial transaction customer during at least one financial transaction through 105, or for authenticating a customer who subscribes to the financial product when the customer subscribes at least one financial product to the Internet banking server 105. Information and banking element information for processing a financial transaction corresponding to the financial transaction request in conjunction with the financial system when the financial transaction is requested from the customer through the customer terminal. Therefore, at least one or more information required for internet banking may be further included. But, in the case of FIG. 4 it is omitted for convenience.

In addition, the Internet banking server 105 includes at least one advertiser information, advertisement data information and deposit information shown in Figure 2 to provide an advertisement on the account inquiry area of the Internet banking to at least one customer terminal. Or a data server (for example, the information registration server 100 shown in FIG. 2) provided with the storage medium 220 according to an embodiment. Thereby, a predetermined customized advertisement is provided to at least one of the customer terminals.

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

The advertisement data information is information containing advertisement content for the advertiser to provide an advertisement on an inquiry screen of the Internet banking account inquiry service used by the customer when a predetermined customer is internet banking, bmp, jpg at least one of image file information such as, png, gif, video file information such as mov, avi, wma, mpeg, mpg, mms, rm, flash file information such as flv and swf, and sound file information such as mp3 and wav It is preferable to comprise as mentioned above.

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

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

According to an embodiment of the present invention, the advertisement data is displayed by adjusting the chromaticity of the advertisement when the customer exposes the advertisement on the inquiry screen so as not to interfere with the use of the inquiry service when using the account inquiry service of the Internet banking. It is desirable to minimize the inconvenience when checking, and thereby the present invention is not limited.

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

Referring to FIG. 4, the Internet banking server 105 includes a web interface unit for connecting and managing a Hyper-Text Transfer Protocol (HTTP) -based communication channel for providing a predetermined Internet banking service to at least one or more customer terminals. 400), receiving various authentication information and login information for internet banking access and financial transaction service request information for requesting an internet banking service for a financial transaction from the client terminal, and providing the request to the client terminal from the financial system. An information receiving unit 420 for receiving financial transaction service information and banking processing details and an account inquiry service (eg, an account inquiry service, a loan inquiry service, a fund inquiry) among financial transaction information received from the customer terminal or the financial system. Information confirmation unit 430 for confirming the request and the provision information for the service, etc.) An information transmitter for transmitting the financial transaction service request information to the financial system and transmitting the financial transaction service information and banking processing details corresponding to the financial transaction service request information of the client terminal received from the financial system; 435 and, when the information for requesting the account inquiry service is identified among the financial transaction service request information received from the customer terminal, the exposure processing is performed on the inquiry screen to be provided to the customer terminal in association with the storage medium 220. An advertisement extracting unit 440 for extracting advertisement data information to be processed, and an advertisement for outputting and processing an advertisement on a query window base area to be provided to the customer terminal through the web interface unit 400. Output unit 445, the web interface unit 400 and the banking D / B 450 in conjunction with at least one or more of the customer terminal A web page operating unit 410 for operating a web page to be provided, and a user interface (UI) for providing a predetermined internet banking service to at least one or more customer terminals in conjunction with the web page operating unit 410. The UI processing unit 405 for generating a screen and the predetermined content for providing the Internet banking service from the banking D / B 450 in cooperation with the UI processing unit 405 or the banking from the customer terminal. And a content operation unit 415 for receiving the predetermined content to be stored in the D / B 450, and based on the HTTP between the customer terminal and the Internet banking server 105 by the function configuration. As a result, a communication channel and a user interface for processing Internet banking are implemented.

In addition, the Internet banking server 105 interoperates with the web page operation unit 410 through a UI processing unit 405 based on the customer authentication information of the Internet banking information to at least one customer terminal interface screen. Or a customer authentication unit 425 receiving at least one or more customer authentication information based on the interface screen.

The customer authentication information stored in the banking D / B 450 may include ID / PW information and personal information (eg, name, resident registration number, address, contact information, etc.) of a customer accessing the internet banking server 105 through the customer terminal. It is preferable to include a member information including at least one, wherein the customer authentication unit 425 interoperates with the UI processing unit 405 to request the ID / PW information of the customer to the customer terminal, The customer is authenticated by receiving the ID / PW information from the customer terminal and comparing the received ID / PW information with ID / PW information included in the member information.

According to an embodiment of the present invention, the ID / PW information may be provided to the Internet banking server 105 according to a conventional ID / PW transmission / reception procedure, but the ID / PW information may be provided to provide a more advanced security function. Preferably, the customer terminal is encrypted and received through at least one or more of a symmetric key (or secret key) encryption method, a public key encryption method, an electronic envelope encryption method, or a key exchange encryption method. Customer authentication unit 425 preferably further comprises a functional configuration for decrypting the ID / PW information.

In addition, the customer authentication information stored in the banking D / B 450 may include certification authority information (eg, KFTC) and certificate server information, or the authentication certificate that issued a predetermined authentication certificate to a customer connected through the customer terminal. Further including registrar information (e.g., if the accredited certificate is registered by us, the information of the party, if the accredited certificate is registered through another party, etc.), or the certificate information issued to the customer by the certificate authority; Preferably, the customer authentication unit 425 requests the authentication certificate based customer authentication through the authentication certificate registered by the registrar to the authentication server of the certification authority, and provides the customer authentication result from the authentication server. By receiving, characterized in that for authenticating the customer.

According to the method of the present invention, the customer authentication unit 425 provides the communication session information and the certificate information connected to the customer terminal to the authentication server of the certification authority, the authentication server based on the communication session information After performing a customer authentication procedure corresponding to the certificate information to the customer terminal, it is preferable to provide the result to the customer authentication unit 425.

In addition, the customer authentication information stored in the banking D / B (450) is made, including a copy of the official certificate of the customer accessing the Internet banking server 105 through the customer terminal, or a predetermined official certificate to the customer It is preferable to include the directory connection information of the certification authority that issued the certificate, wherein the customer authentication unit 425 is a certificate to the customer terminal in conjunction with the authentication server of the certification authority that issued a predetermined certificate to the customer Requesting based customer information, receiving the certificate-based customer information from the customer terminal, and authenticating the customer by authenticating the certificate-based customer information through a copy of the certificate or a certification authority.

According to one embodiment of the invention, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 425, or a predetermined random number generated by the customer terminal, in which case the customer terminal The customer authentication unit encrypts the random number through at least one or more of a symmetric key (or secret key) encryption method, a public key encryption method, an electronic envelope encryption method, or a key exchange encryption method through the certificate. 425) (for example, if the random number is generated by the customer terminal, the mobile station further includes a random number in the form of a plain text), and is extracted from the copy of the certificate of the customer or from the directory by the customer authentication unit 425. Decrypt and compare the encrypted random numbers based on the official certificate information of each other, or the random number in the plain text form (e.g., By intercomparison by encrypting the random number, or a random number generated in the customer terminal) generated by the client authentication unit 425, it is desirable to authenticate the customer.

According to another embodiment of the present invention, the certificate-based customer information is stored information previously stored in the customer terminal (for example, the information stored in the storage device of the customer terminal in the Internet banking server 105, or the customer terminal) Information (or system information) already stored in the device, or storage information (e.g., an IC card (or IC chip) serial number, or the IC card) read out from an IC card (or IC chip) linked to the customer terminal. (Or IC chip) information stored in an IC card (or IC chip) memory by the issuing authority), in which case the client terminal encrypts the stored information through a certificate of symmetric key (or secret key), Or encrypting through at least one encryption method among a public key encryption method, an electronic envelope encryption method, or a key exchange encryption method, and providing the same to the customer authentication unit 425. In the authentication unit 425, by mutual comparison to decrypt the encrypted information stored based on the certificate information of the customer extracted from the certificate or a copy of the directories of the customer, it is desirable to authenticate the customer.

According to another exemplary embodiment of the present invention, the certificate-based customer information is input information input through the input means provided in the customer terminal (for example, information input through the key input device provided in the customer terminal, Or information input through an input device (for example, a short-range communication device, etc.) other than a key input device provided in the customer terminal, and in this case, the customer terminal may use the symmetric key ( Or a secret key) an encryption method, a public key encryption method, an electronic envelope encryption method, or an encryption method using at least one encryption method of a key exchange encryption method to provide to the customer authentication unit 425, the customer authentication unit ( 425) encrypted input information based on a copy of the customer's certificate or the certificate information of the customer extracted from the directory By decrypting compared mutually, it is desirable to authenticate the customer.

In addition, the customer authentication information stored in the banking D / B 450 is preferably made of the OTP generation information for generating an OTP authentication code matching the OTP code generated through the OTP (One Time Password) authenticator provided to the customer In this case, the customer authentication unit 425 interoperates with the UI processing unit 405 to request a predetermined OTP code to the customer terminal, receives the OTP code from the customer terminal, and based on the OTP generation information. By generating a predetermined OTP authentication code, and comparing the received OTP code and the generated OTP authentication code, characterized in that for authenticating the customer.

According to the method of the present invention, the OTP code is a symmetric key (or secret key) encryption method, or public key encryption method, or electronic envelope encryption method, or key exchange in the customer terminal to provide a more advanced security function It is preferable that the data is encrypted and received through at least one of the encryption methods. For this purpose, the customer authentication unit 425 further includes a function configuration for decrypting the OTP code.

The information receiving unit 420 receives various authentication information and login information for internet banking access and financial transaction service request information for requesting an internet banking service for a financial transaction from the customer terminal, and receives from the financial system to the customer terminal. It is desirable to receive financial transaction service information and banking processing details to be provided.

The information checking unit 430 checks the financial transaction service request information sent by the client terminal logged into the internet banking server 105 to the internet banking server 105 for financial transaction. Check the information requesting an account inquiry service (eg, an account inquiry service, a loan inquiry service, a fund inquiry service, etc.) among the confirmed financial transaction service request information, or correspond to the financial transaction service request information of the client terminal. It is preferable to check information providing an account inquiry service (eg, an account inquiry service, a loan inquiry service, a fund inquiry service, etc.) in the financial transaction service information or the banking processing details received from the system.

According to an embodiment of the present invention, it is determined whether the request information corresponding to the account inquiry item service request is received (or input) from the terminal, or received from the financial system in response to the financial transaction service request information of the customer terminal. Checking the information provided in response to the account inquiry item service request in the financial transaction service information or the banking processing details is preferably checked until the terminal terminates the Internet banking service and logs out, thereby limiting the present invention. Not.

The information transmission unit 435 transmits the financial transaction service request information received from the customer terminal to the financial system, the financial transaction service information corresponding to the financial transaction service request information of the customer terminal received from the financial system; Sending the banking processing history to the customer terminal

The advertisement extracting unit 440 may be provided to the customer terminal in connection with the storage medium 220 when the financial transaction service information received from the financial system and the information providing the account inquiry service are checked in the banking processing details. It is preferable to extract the advertisement data information to be exposed on the inquiry screen.

The advertisement output unit 445 advertises the extracted advertisement data on the inquiry window background area of the web page to be provided to the customer terminal through the web interface unit 400 in association with the web page operation unit 410. It is characterized by outputting the exposure process.

According to the method of the present invention, a method of providing an advertisement on the account inquiry screen of the Internet banking to the customer terminal, including the advertisement content on the web page for internet banking to be provided to the customer terminal, banner, flash, video, etc. It may be inferred to provide a method, etc., it is preferable to include all the inferred methods, the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the advertisement output unit 445 outputs the extracted advertisement data to the account inquiry area on the account inquiry area of the Internet banking to the customer terminal, and displays the contents of the account inquiry content ( And the brightness, chromaticity, and saturation of the advertisement data in contrast to the colors of numbers, special characters).

5A and 5B illustrate a process of exposing advertisements on an Internet banking account inquiry area according to an embodiment of the present invention.

In more detail, FIGS. 5A and 5B show a case where the web server system shown in FIG. 4 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, a web server on the web server system shown in FIG. In the case of the Internet banking server 105), a predetermined customer terminal connects to the Internet banking server 105 and predetermined customer through a TCP / IP based network (e.g., the Internet) for predetermined internet banking. After performing the authentication process and logging in, when selecting (or entering) an account inquiry item (eg, an account inquiry item, a loan inquiry item, a fund inquiry item, etc.) for the Internet banking, an account inquiry corresponding to the account inquiry item The present invention relates to a method of performing an exposure process including an advertisement on an area, and a person skilled in the art may refer to FIGS. 5A and 5B. It may be possible to infer a variety of implementation methods by providing an advertisement on the account inquiry area of the Internet banking to the customer terminal through a different type of non-face-to-face financial transaction channel, but the present invention is all inferred implementation method It includes, and is not limited to the embodiment shown in Figures 5a and 5b.

That is, when the Internet banking server 105 is connected to the Internet banking server 105 through a predetermined browser program (for example, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 5A and 5B. Although a method of connecting an internet banking-based financial transaction channel for providing community access between the customer terminal and the internet banking server 105 based on a program is illustrated, a person having ordinary knowledge in the technical field to which the present invention pertains The client terminal and the Internet banking server 105 based on a predetermined Internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 5A and 5B. Internet banking to provide community access between Would be able to infer the exemplary method for connecting the half financial transaction channel, the present invention includes an Internet banking based financial transaction provided based on the Internet banking program, to which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 5a and 5b, in addition to the Internet banking system, a telebanking system or wireless It would be possible to infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for Internet banking in another banking system such as a banking system or a TV banking system, but the present invention provides the telebanking system or wireless banking system or a TV banking system. Or all kinds of non-face-to-face channel-based financial transactions, including the non-face-to-face channel banking system proposed in the future, and the technical configuration of the present invention is not limited to the case of the Internet banking shown in FIGS. .

In addition, although the embodiment shown in FIGS. 5A and 5B includes a process of generating the predetermined electronic document and storing it in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited.

5a and 5b, the customer terminal is referred to as " terminal " for convenience, and the Internet banking server 105 corresponding to the financial institution server is referred to as " server " for convenience.

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 provided 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, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 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 or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is mounted or updated in the terminal (515a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 520a.

If the terminal does not need to install or update the latest version of the security module for internet banking (525a), or if the terminal does not need to load or update the security module for internet banking (515a), the server is mounted on the terminal. By activating the security module for the Internet banking, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (530a), here referred to as a security channel for Internet banking Attaches a predetermined electronic signature to information (or data) required for security among information (or data) included in a web page to be provided to the terminal from the server, or at least one encryption method (or encryption algorithm). If the encryption is provided, the terminal may verify the electronic signature or correspond to the encryption method (or encryption algorithm). In a predetermined decoding method (or decryption algorithms) it means a communication channel to decode the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). A communication channel for decoding the information (or data) by a decoding method (or a decoding algorithm).

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (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 or encrypted is transmitted through the secure channel.

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (540a). In operation 545a, the server (or the authentication server) authenticates a customer connected through the terminal as an internet banking customer for a non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (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 for registering and transmitting predetermined Internet banking information from the terminal to the server.

Thereafter, the server receives the financial transaction service request information for the Internet banking service from the terminal (500b), transmits the received financial transaction service request information to the financial system (505b), and the financial system from the financial system. The financial transaction service information and the banking processing history corresponding to the transaction service request information are received (510b).

The server checks whether there is information for providing an internet banking account inquiry service among financial transaction service information and banking processing details received from the financial system (515b).

According to an embodiment of the present invention, the financial transaction service request information received from the terminal confirms the request information corresponding to the account inquiry item service request, or in response to the financial transaction service request information of the customer terminal from the financial system Confirming the information provided in response to the account inquiry item service request in the received financial transaction service information or banking processing details is preferably confirmed until the terminal terminates the Internet banking service and logs out. This is not limited.

According to an embodiment of the present invention, in order to expose an advertisement on the Internet banking account inquiry area, the Internet banking server 105 in response to the financial transaction service request information transmitted from the client terminal to the Internet banking server 105. ) Shows that the Internet banking account inquiry service is provided among the financial transaction service information and the banking processing history received from the financial system, but the Internet banking inquiry service is applied to the financial transaction service request information transmitted from the client terminal. A method of confirming is also possible, and is omitted for convenience of the present invention, and the present invention is not limited thereto.

If the request information (or input) corresponding to the account inquiry item service request is not received from the financial system (520b), the received financial transaction service information and banking transaction details are transmitted to the terminal (525b).

On the other hand, when receiving (or input) request information corresponding to the account inquiry item service request from the financial system (520b), the server is linked to the storage medium 220 on the account inquiry window base area to provide to the terminal The advertisement data to be exposed is extracted (530b), and the extracted advertisement data is included on the inquiry screen requested by the terminal to be exposed to the terminal (535b).

According to the method of the present invention, a method of providing an advertisement on the account inquiry screen of the Internet banking to the customer terminal, including the advertisement content on the web page for internet banking to be provided to the customer terminal, banner, flash, video, etc. It may be inferred to provide a method, etc., it is preferable to include all the inferred methods, the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, when the extracted advertisement data is output to the account inquiry area, the brightness, chromaticity, and saturation of the advertisement data are compared with the color of letters (including numbers and special characters) representing the account inquiry contents. It characterized in that the processing to be adjusted to output, the present invention is not limited thereby.

According to the exemplary embodiment of the present invention, although the Internet banking server 105 provides the customized advertisement contents provided to the customer to the customer terminal through the storage medium 220, the advertisement data information is provided. It may be provided in connection with the advertiser server (not shown for convenience) providing the advertisement content, the present invention is not limited thereto.

The present invention by exposing the advertisement of the advertiser on various inquiry screens that are frequently used items when the customer uses the Internet banking, the effect that the customer often sees the advertisement and the account inquiry screen is meticulously detailed in view of the characteristics of the customer There is also an advantage that can be surely imprinted.

In addition, by providing advertisements on the various inquiry screens, there is an effect of generating advertisement revenue not only in the advertisement company that registered the advertisement but also in the financial institution that provides the advertisement.

Claims (4)

When requesting an account inquiry from a customer connected through internet banking, Extracting at least one advertisement data to be provided to the client terminal from an advertisement database by advertisement extracting means; And processing the extracted advertisement data to be output to an account inquiry area provided to a customer terminal by an advertisement output means. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. When requesting an account inquiry from a customer connected through internet banking, Advertisement extracting means for extracting at least one advertisement data to be provided to the client terminal from an advertisement database; And advertisement output means for processing the extracted advertisement data to be output to the account inquiry area provided to the customer terminal. The method of claim 3, wherein the advertisement output means, When the extracted advertisement data is output to the account inquiry area, the brightness, chroma and saturation of the advertisement data are adjusted to be output in contrast with the color of letters (including numbers and special characters) representing the account inquiry contents. Advertising data output system through the Internet banking account inquiry area characterized in that.

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