KR20090036629A - System and method for providing advertisement data for enterprise customer - Google Patents

Abstract

A system and a method for providing advertisement data for enterprise customer are provided to advertise an enterprise which is a customer of the bank according to the transactional accomplishment of the enterprise with the bank. An information storage unit(455) stores the advertisement information of an enterprise customer and the advertisement requirement information including the number of advertisement exposing times corresponding to the financial transaction accomplishment of the enterprise customer in a predetermined storage medium(220). An information confirming unit(435) confirms whether the financial transaction accomplishment of an enterprise customer matches the requirement information as described above. An information calculator(440) calculates the number of exposition of advertisement data according to the advertisement providing requirement information. An advertisement provider provides the advertisement of the enterprise customer to the customer terminal according to the calculated AD data exposition number as described above.

Description

System and Method for Providing Advertisement Data for Enterprise Customer}

1 illustrates a configuration of an advertisement data providing system for a corporate customer that provides a corporate advertisement according to a bank transaction record of the corporate customer according to an embodiment of the present invention.

2 is a diagram illustrating an information registration system for providing a corporate advertisement according to a bank transaction performance of a corporate customer according to an embodiment of the present invention.

3 is a diagram illustrating an information registration process for providing a corporate advertisement in accordance with a bank transaction record of a corporate customer according to an embodiment of the present invention.

4 is a diagram illustrating a configuration of an internet banking system for providing a corporate advertisement in accordance with a bank transaction record of a corporate customer according to an embodiment of the present invention.

5A and 5B illustrate a process of providing a corporate advertisement according to a bank transaction result of a corporate customer according to an exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: Internet banking server

215: information storage unit 220: storage medium

435: information verification unit 460: loan processing unit

The present invention provides advertisement providing standard information including the number of advertisement exposures that can be provided corresponding to the financial transaction performance of the corporate customer, information storage means for storing the advertising data of the corporate customer in a predetermined storage medium, and financial transaction performance of the corporate customer. Information checking means for confirming whether the advertisement providing standard information stored in the storage medium is matched, and when the financial transaction performance of the corporate customer meets the advertisement providing standard information stored in the storage medium, the advertisement providing standard information according to the advertisement providing standard information. Advertising data providing system comprising information calculating means for calculating the number of advertisement data exposure of a corporate customer and an advertisement providing means for providing the advertisement of the corporate customer to a client terminal connected through internet banking according to the calculated number of exposure of the advertisement data. It is about.

In the current financial industry, the war on customer attraction is accelerating, and there are various ways of presenting it.

On the other hand, these various methods of attracting customers are mainly suitable for attracting individual customers, and accordingly, there is a demand for a method of providing necessary services to corporate customers.

An object of the present invention for solving the above problems is the advertisement providing criteria information including the number of advertisement exposures that can be provided corresponding to the financial transaction performance of the corporate customer in the information storage means, and the advertisement data of the corporate customer stored in a predetermined storage medium And confirming whether the financial transaction performance of the corporate customer in the information checking means conforms to the advertisement providing criteria information stored in the storage medium, and in the information calculating means, the financial transaction performance of the corporate customer stored in the storage medium. Calculating the number of advertisement data exposures of the corporate customer according to the advertisement providing standard information and providing the advertisement of the corporate customer according to the calculated advertisement data exposure number in accordance with the advertisement providing reference information. Advertising day for corporate customers, including providing to the client terminal connected through It may provide a way to provide.

The advertisement data providing system for a corporate customer according to the present invention stores advertisement advertisement reference information including the number of advertisement exposures that can be provided corresponding to the financial transaction performance of the corporate customer and the advertisement data of the corporate customer in a predetermined storage medium. Information storage means, information checking means for confirming whether the financial transaction performance of the corporate customer conforms to the advertisement providing standard information stored in the storage medium, and the financial transaction performance of the corporate customer conforming to the advertisement providing standard information stored in the storage medium. If so, the information calculating means for calculating the number of exposure of the advertisement data of the corporate customer in accordance with the advertisement providing reference information and providing the advertisement of the enterprise customer to the client terminal connected through the Internet banking in accordance with the calculated number of advertisement data exposure Characterized in that comprises an advertisement providing means to.

According to the present invention, the advertisement data providing system for the corporate customer, if a customer connected through the Internet banking request to purchase a product (or service) corresponding to the provided advertisement data, a part of the purchase price of the product ( Or a loan processing means for processing the loan in full interest at low interest.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described advertising data providing system configuration means for the enterprise customer.

On the other hand, the advertisement data providing method for a corporate customer according to the present invention, the information providing means, the advertisement providing criteria information including the number of advertisement exposures that can be provided corresponding to the financial transaction performance of the corporate customer, and predetermined advertising data of the corporate customer Storing the financial transaction performance of the corporate customer in information storage means in accordance with the advertisement providing standard information stored in the storage medium; and in the information calculation means, the financial transaction performance of the corporate customer is stored in the storage medium. If the advertisement providing criterion information stored in the storage medium is matched, calculating the number of advertisement data exposures of the corporate customer according to the advertisement providing reference information; Including providing the advertisement to a client terminal connected through internet banking. And that is characterized.

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 a system that is commonly provided in the art to which the present invention belongs The functional configuration is omitted as much as possible, and will be mainly described for 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 providing system for a corporate customer providing a corporate advertisement according to a bank transaction performance of the corporate customer according to an embodiment of the present invention.

In more detail, Figure 1 shows that when a customer who has subscribed to a predetermined Internet banking accesses Internet banking for financial transactions through a predetermined customer terminal and uses a transfer service during the Internet banking, the corporate customer's bank The present invention relates to a system for providing advertisement data for a corporate customer who provides a corporate advertisement according to a transaction record. If a person of ordinary skill in the art belongs to the present invention, the advertisement data for a corporate customer shown in FIG. 1 is provided. By referring to or modifying the system configuration, various implementation methods for the configuration of the advertisement data providing system for the corporate customer providing the corporate advertisement according to the bank transaction performance of the corporate customer may be inferred. It characterized in that it comprises a method, the corporate customer shown in Figure 1 Advertising data provided is not limited to the system configuration.

Referring to FIG. 1 according to an embodiment of the present invention, the advertisement data providing system for a corporate customer is provided by a predetermined corporate customer terminal using predetermined network means to provide a corporate advertisement according to a bank transaction performance of the corporate customer. When an enterprise advertisement information is provided by accessing a server on an information registration system through the information registration server, the server processes the advertisement information provided from the enterprise customer terminal in association with a storage medium provided on the information registration system. 100 and a predetermined customer terminal connected to Internet banking for a financial transaction and using the Internet banking service, the corporate customer according to the bank transaction performance of the corporate customer who registered the corporate advertisement information in the information registration server 100. Internet banking server 105 for providing a corporate advertisement to the customer terminal, and using the Internet banking Customers, including the financial system, the financial account is held for at least one financial transaction characterized by works.

The information registration server 100 provides a corporate advertisement information by accessing a server on the information registration system through a predetermined network means in order to provide a corporate advertisement in accordance with the bank transaction performance of the corporate customer. The information registration system comprising the information registration server 100, wherein the server stores the enterprise advertisement information provided from the enterprise customer terminal in association with a storage medium provided on the information registration system. Preferred embodiments of the present invention 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 a customer terminal accesses the internet banking server 105 for a financial transaction and uses an internet banking service, a bank transaction of a corporate customer who registers corporate advertisement information in the information registration server 100 is performed. The number of advertisement exposures of the corporate customer is calculated according to the performance, and when the calculated number of advertisement exposures is one or more times, the corporate advertisement of the corporate customer is provided to the customer terminal. The internet banking server 105 A preferred embodiment of the Internet banking system comprising a will be described in detail as shown in 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 for handling counter transactions such as foreign exchange, an information system for processing 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 providing system for the corporate customer is illustrated and described as an information registration server 100 and an internet banking server 105, but the present invention is not limited thereto. The advertisement data providing system may consist of one server (or device), or may consist of at least two or more servers (or devices), and according to the intention of a person skilled in the art, each component constituting each of the above illustrated servers is separately provided. It is clear that it can be implemented in the form of server.

2 is a diagram illustrating an information registration system for providing a corporate advertisement in accordance with a bank transaction record of a corporate customer according to an embodiment of the present invention.

In more detail, FIG. 2 shows that when a predetermined corporate customer terminal accesses a server on the information registration system through a predetermined network means and provides corporate advertisement information in order to provide corporate advertisement according to the bank transaction performance of the corporate customer, As a configuration of an information registration system for processing the enterprise advertisement information provided from the enterprise customer terminal in a server in association with the storage medium 220 provided on the information registration system, the general knowledge in the technical field to which the present invention belongs If the person having the present invention will be able to infer various implementation methods for the configuration of the information registration system for providing a corporate advertisement in accordance with the bank transaction results of the corporate customer by referring to or modifying the drawing 2, the present invention is inferred It includes all implementation methods, and is not limited to the implementation method shown in FIG.

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

Referring to FIG. 2 according to an embodiment of the present invention, an information registration system for providing a corporate advertisement in accordance with a bank transaction record of a corporate customer according to the present invention includes at least one corporate customer terminal connected to a predetermined network means. A storage medium 220 for cooperatively processing and storing corporate advertisement information transmitted from the corporate customer terminal, and connected to the corporate customer terminal through a predetermined network means, and receiving corporate advertisement information transmitted through the network means. It characterized in that it comprises an information registration server 100 for storing in association with the storage medium 220.

The corporate customer terminal may transmit 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). Including at least one wired terminal including a desktop computer or a notebook that is connected to the registration server 100 or a mobile communication network (or High Speed Downlink Packet Access (HSDPA) based based on CDMA (Code Division Multiple Access) A wireless terminal including at least one mobile communication terminal connected to a mobile communication network), a portable Internet terminal connected to IEEE 802.16x based high speed wireless Internet, or a wireless LAN terminal connected to an IEEE 802.11x based wireless LAN communication network. Characterized in that it comprises at least one, wherein the corporate customer terminal is the information registration server 100 A function configuration (for example, a browser program and a communication function) for outputting at least one interface screen provided by the user, and for inputting or selecting at least one information through the interface screen and transmitting the selected information to the information registration server 100. It is preferable that it is done.

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

When the corporate customer terminal is a wired terminal according to an embodiment of the present invention, the network means comprises the TCP / IP based wired communication network, and when the corporate customer terminal is a wireless terminal, the network means At least one CDMA-based (or HSDPA-based) mobile communication network, or IEEE 802.16x-based high-speed wireless Internet, or IEEE 802.11x-based WLAN network is preferably included.

The storage medium 220 provided on the information registration system according to the present invention is characterized in that the corporate advertisement information transmitted from the corporate customer terminal is stored in association, the corporate advertisement information is corporate customer information and advertising data And it is preferable to include at least one or more advertisement providing reference information and transaction performance information.

The corporate customer information may include personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the corporate customer registering the corporate advertisement information, and corporate information (eg, the corporate customer). Company name, business number, corporation number, company's homepage address, company's phone number, company's address, company's e-mail address, etc., and the member's member information (e.g. It is preferable to include at least one member ID / PW information, or a CIF (Customer Information File), etc. generated in response to the customer by signing up as a financial transaction customer of the institution.

The advertisement data is a corporate advertisement content for a predetermined customer to provide to the customer through a non-face-to-face channel, such as Internet banking used by the customer when the financial transaction through a non-face-to-face channel, such as Internet banking Information including image files such as bmp, jpg, png, and gif, video file information such as mov, avi, wma, mpeg, mpg, mms, rm, and flash file information such as flv and swf to be provided to the customer. And at least one or more sound file information such as mp3 and wav.

According to the implementation method of the present invention, the corporate customer may register one or more pieces of advertisement data, and the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the advertisement data may include link information for accessing a product corresponding to the advertisement by a customer provided with the advertisement data (for example, to purchase a product corresponding to the advertisement, such as an image or video advertisement). Information including a hyperlink or the like for providing a product purchase web page or providing an advertisement company homepage for providing the advertisement, and the present invention is not limited thereto.

The advertisement providing criterion information is information for setting the corporate advertisement provision for the transaction performance of the corporate customer, and the advertisement provision condition according to the number of transactions of the corporate customer (for example, providing an advertisement once per 10 transactions) and the like. Advertisement provision conditions (e.g., once a transaction amount is more than 1 million won and less than 2 million won, and advertisements are provided twice when the amount is more than 1 million won and less than 3 million won), and other separate transaction results. It is preferable to include at least one or more advertisement provision conditions (e.g., transaction period, transaction performance or transaction amount or number of trading accounts, donation frequency or donation amount of the company, etc.) of the employees who work in the company, According to the intention of the person skilled in the art to add or omit a separate advertisement providing conditions to the advertisement providing criteria information, or the advertisement providing device It is possible to omit the information itself, and to which the present invention is not limited.

According to an embodiment of the present invention, when the advertisement of the advertisement providing reference information calculates and displays a transaction result of a corporate customer as a point (or mileage), the advertisement providing condition according to the point (or mileage) is added to the advertisement providing reference information. It is preferable that the present invention is not limited thereby.

The transaction performance information is information on the transaction performance history of the corporate customer, and preferably comprises at least one or more information about the number of transactions and the transaction amount and other transaction performance history of the enterprise customer, according to the intention of the skilled person The transaction results may be calculated in points (or mileage) and the like, and the present invention is not limited thereto.

For example, when the transaction results are generated once, one point or one mileage is accumulated and the method is provided once when the 10 points (or mileage) is provided, and one point or one mile per 100,000 won of transaction amount. When earning 10 points (or mileage) can be inferred, such as a method of providing an advertisement once, the present invention preferably comprises all the inferred methods, the present invention is not limited thereto. .

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

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

According to another exemplary embodiment of the present invention, when the corporate customer 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 corporate customer terminal with a WAP (Wireless Application Protocol) or Connect a predetermined communication channel based on the ME (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 enterprise customer terminal through the communication channel. It is preferable to perform a function of receiving and processing predetermined corporate advertisement information corresponding to the interface screen from the corporate customer terminal.

According to another exemplary embodiment of the present invention, when the enterprise customer terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 200 is connected to the enterprise customer terminal and the IEEE 802.16x. A predetermined communication channel is connected based on a wireless protocol corresponding to a standard, and a predetermined interface screen or an information providing screen is transmitted to the corporate customer terminal through the communication channel and outputted, and the interface screen is transmitted from the corporate customer terminal to the interface screen. It is preferable to perform a function of receiving and processing corresponding predetermined corporate advertisement information, or when the corporate customer terminal is a wireless terminal connected to a communication channel through an IEEE 802.11x based wireless communication network, the interface unit 200. Is a predetermined communication based on the enterprise client terminal and a wireless protocol corresponding to the IEEE 802.11x standard. Connecting a channel, transmitting and outputting a predetermined interface screen or information providing screen to the corporate customer terminal through the communication channel, and receiving and processing predetermined corporate advertisement information corresponding to the interface screen from the corporate customer terminal. It is preferable to carry out.

Referring to FIG. 2, the information registration server 100 is connected to the interface unit 200 when a predetermined corporate customer terminal is connected to the information registration server 100 through the interface unit 200. An interface providing unit 205 for generating (or extracting) a predetermined interface screen for inputting (or selecting) predetermined corporate advertisement information from a client terminal and providing the predetermined corporate advertisement information, and interworking with the interface unit 200. An information receiving unit 210 for receiving corporate advertisement information transmitted by inputting (or selecting) the customer terminal through the interface screen, and storing the information by storing the received corporate advertisement information in association with the storage medium 220. It is characterized by comprising a portion (or information storage means) 215.

The interface providing unit 205 has a function configuration (eg, provided in a corporate customer terminal) provided in a corporate customer terminal when a predetermined corporate customer terminal is connected to the information registration server 100 through the interface unit 200. A predetermined interface screen that can input (or select) predetermined corporate advertisement information in response to a browser program) and transmit the predetermined corporate advertisement information to the information registration server 100 through the network means, or a predetermined database (not shown). And extracts the interface screen generated (or extracted) in cooperation with the interface unit 200 to the corporate customer terminal through the network means.

Thereafter, the corporate customer terminal inputs (or selects) predetermined corporate advertisement information based on the interface screen, and when it is confirmed that the corporate advertisement information has been input (or selected), the corporate customer terminal uses the network means. The input (or selected) through the corporate advertising information is transmitted to the information registration server 100.

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

The information receiver 210 inputs (or selects) predetermined corporate advertisement information through the interface screen in the corporate customer terminal and transmits the predetermined corporate advertisement information through the network means. The corporate advertisement information is linked with the interface unit 200. Characterized in that it receives, and provides the received corporate advertisement information to the information storage unit 215.

The information storage unit 215 is characterized in that the corporate advertising information received through the information receiving unit 210 is processed in connection with the storage medium 220, the corporate advertising information is corporate customer information and advertising At least one data, advertisement providing reference information and transaction performance information is preferably included.

The corporate customer information may include personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the corporate customer registering the corporate advertisement information, and corporate information (eg, the corporate customer). Company name, business number, corporation number, company's homepage address, company's phone number, company's address, company's e-mail address, etc., and the member's member information (e.g. It is preferable to include at least one member ID / PW information, or a CIF (Customer Information File), etc. generated in response to the customer by signing up as a financial transaction customer of the institution.

The advertisement data is a corporate advertisement content for a predetermined customer to provide to the customer through a non-face-to-face channel, such as Internet banking used by the customer when the financial transaction through a non-face-to-face channel, such as Internet banking Information including image files such as bmp, jpg, png, and gif, video file information such as mov, avi, wma, mpeg, mpg, mms, rm, and flash file information such as flv and swf to be provided to the customer. And at least one or more sound file information such as mp3 and wav.

According to the implementation method of the present invention, the corporate customer may register one or more pieces of advertisement data, and the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the advertisement data may include link information for accessing a product corresponding to the advertisement by a customer provided with the advertisement data (for example, to purchase a product corresponding to the advertisement, such as an image or video advertisement). Information including a hyperlink or the like for providing a product purchase web page or providing an advertisement company homepage for providing the advertisement, and the present invention is not limited thereto.

The advertisement providing criterion information is information on the number of times the corporate advertisement is exposed to the transaction performance of the corporate customer, and the advertisement providing criteria according to the number of transactions of the corporate customer (for example, providing an advertisement once per 10 transactions) and the like. Advertisement criteria based on the transaction amount of the corporate customer (for example, if the transaction amount is more than 1 million won or less than 2 million won, the advertisement is provided once; At least one advertisement exposure number according to the advertisement provision criteria (e.g., transaction period, transaction performance or transaction amount or number of transaction accounts, number of donations or donation amount of the company, etc.) It is preferable.

According to an embodiment of the present invention, when the advertisement of the advertisement providing reference information calculates and displays a transaction result of a corporate customer as a point (or mileage), the number of advertisement exposures according to the point (or mileage) is added to the advertisement providing reference information. It is preferable that the present invention is not limited thereby.

The transaction performance information is information on the transaction performance history of the corporate customer, and preferably includes at least one or more information on the number of transactions and the transaction amount and other transaction performance history of the enterprise customer, Accordingly, the transaction results may be calculated in points (or mileage) and the like, and the present invention is not limited thereto.

For example, when the transaction results are generated once, one point or one mileage is accumulated and the method is provided once when the 10 points (or mileage) is provided, and one point or one mile per 100,000 won of transaction amount. When earning 10 points (or mileage) can be inferred, such as a method of providing an advertisement once, the present invention preferably comprises all the inferred methods, the present invention is not limited thereto. .

3 is a diagram illustrating an information registration process for providing a corporate advertisement in accordance with a bank transaction performance of a corporate customer according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates a company for providing a corporate advertisement according to a bank transaction performance of a corporate customer by the corporate customer terminal on the information registration system shown in FIG. 2 to the information registration server 100 through a predetermined network means. When the advertisement information is transmitted, the information registration server 100 processes the corporate advertisement information in association with the storage medium 220, and a person having ordinary knowledge in the technical field to which the present invention belongs, Although various implementation methods for the information registration process for providing a corporate advertisement according to the bank transaction performance of a corporate customer may be inferred by referring to or modifying the drawing 3, the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown in FIG.

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 enterprise customer terminal on the information registration system shown in FIG. 2 is referred to as " terminal " .

Referring to FIG. 3, the terminal on the information registration system shown in FIG. 2 accesses the server through the network means and connects a communication channel for providing a corporate advertisement according to the bank transaction results of the corporate customer (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).

In the technical field to which the present invention pertains, the terminal connects to the server according to a communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means, so that the bank of the corporate customer You will be familiar with the technical features connecting the communication channels for providing corporate advertising according to the performance of the transaction, a detailed description thereof will be omitted for convenience.

As described above, when a communication channel for providing a corporate advertisement is connected between the terminal and the server according to the bank transaction performance of the corporate customer, the terminal is connected to the server through the communication channel according to the bank transaction performance of the corporate client. Request an interface screen for providing (305), and correspondingly, the server generates (or extracts) an interface screen including a user interface for inputting (or selecting) the corporate advertisement information in the terminal (310); In step 315, the generated (or extracted) interface screen is transmitted to the terminal through the communication channel.

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

If the corporate advertisement information is input (or selected) in the terminal (325), the terminal transmits the corporate advertisement information to the server through the communication channel (330), and correspondingly the server receives the received The corporate advertisement information is linked and stored in the storage medium 220 shown in FIG. 2 (335).

The corporate advertisement information may include at least one or more corporate customer information, advertisement data, advertisement providing reference information, and transaction performance information.

The corporate customer information may include personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the corporate customer registering the corporate advertisement information, and corporate information (eg, the corporate customer). Company name, business number, corporation number, company's homepage address, company's phone number, company's address, company's e-mail address, etc., and the member's member information (e.g. It is preferable to include at least one member ID / PW information, or a CIF (Customer Information File), etc. generated in response to the customer by signing up as a financial transaction customer of the institution.

The advertisement data is a corporate advertisement content for a predetermined customer to provide to the customer through a non-face-to-face channel, such as Internet banking used by the customer when the financial transaction through a non-face-to-face channel, such as Internet banking Information including image files such as bmp, jpg, png, and gif, video file information such as mov, avi, wma, mpeg, mpg, mms, rm, and flash file information such as flv and swf to be provided to the customer. And at least one or more sound file information such as mp3 and wav.

According to the implementation method of the present invention, the corporate customer may register one or more pieces of advertisement data, and the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the advertisement data may include link information for accessing a product corresponding to the advertisement by a customer provided with the advertisement data (for example, to purchase a product corresponding to the advertisement, such as an image or video advertisement). Information including a hyperlink or the like for providing a product purchase web page or providing an advertisement company homepage for providing the advertisement, and the present invention is not limited thereto.

The advertisement providing criterion information is information on the number of times the corporate advertisement is exposed to the transaction performance of the corporate customer, and the advertisement providing criteria according to the number of transactions of the corporate customer (for example, providing an advertisement once per 10 transactions) and the like. Advertisement criteria based on the transaction amount of the corporate customer (for example, if the transaction amount is more than 1 million won and less than 2 million won, the advertisement is provided once, and if the transaction amount is more than 2 million won and less than 3 million won, the advertisement is provided twice) At least one advertisement exposure number according to the advertisement provision criteria (e.g., transaction period, transaction performance or transaction amount or number of transaction accounts, number of donations or donation amount of the company, etc.) It is preferable.

According to an embodiment of the present invention, when the advertisement of the advertisement providing reference information calculates and displays a transaction result of a corporate customer as a point (or mileage), the number of advertisement exposures according to the point (or mileage) is added to the advertisement providing reference information. It is preferable that the present invention is not limited thereby.

The transaction performance information is information on the transaction performance history of the corporate customer, and preferably comprises at least one or more information about the number of transactions and the transaction amount and other transaction performance history of the enterprise customer, according to the intention of the skilled person The transaction results may be calculated in points (or mileage) and the like, and the present invention is not limited thereto.

For example, when the transaction results are generated once, one point or one mileage is accumulated and the method is provided once when the 10 points (or mileage) is provided, and one point or one mile per 100,000 won of transaction amount. When earning 10 points (or mileage) can be inferred, such as a method of providing an advertisement once, the present invention preferably comprises all the inferred methods, the present invention is not limited thereto. .

4 is a diagram illustrating a configuration of an internet banking system for providing a corporate advertisement according to a bank transaction record of a corporate customer according to an exemplary 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). An implementation method for an Internet banking system for providing a corporate advertisement of the corporate client to the client terminal according to a bank transaction record of the corporate client registering the corporate advertisement information in the information registration server 100 shown in FIG. The Internet banking system may include 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. ) Provides financial services required to provide the Internet banking service through a predetermined interface means. It is possible that in connection with re-financing system.

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 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) including at least one database that stores and manages predetermined information (for example, ledger information, customer information, or management information, etc.) required for each function in the components of the financial system. Management 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 It is possible to further include at least one or more components, such as financial modules (not shown), international modules (not shown), and those skilled in the art to which the present invention pertains further Since the technical matters will be clearly understood, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto. .

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 465 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 465 according to an implementation method. It is characterized in that the interworking, thereby providing a predetermined Internet banking service 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 A customer 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 to the internet banking server 105 for at least one financial product Preferably, the authentication information includes banking element information for processing a financial transaction corresponding to the financial transaction request in connection with the financial system when the financial transaction is requested from the customer through the customer terminal. Depending on the Internet banking may include at least one or more information However, in FIG. 4, this is omitted for convenience.

In addition, the Internet banking server 105, at least one or more customer terminals to expose and provide a corporate customer advertisement according to the bank transaction results of the corporate customer to provide the corporate advertising information shown in Figure 2 and the corporate customer information and advertising data A data server including at least one advertisement providing reference information and transaction performance information, or a data server provided with the storage medium 220 according to an implementation method (for example, an information registration server shown in FIG. 2). It is characterized in that the interworking, whereby at least one or more of the customer terminal is provided with the corporate customer advertising according to the bank transaction performance of the corporate customer.

The corporate customer information may include personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the corporate customer registering the corporate advertisement information, and corporate information (eg, the corporate customer). Company name, business number, corporation number, company's homepage address, company's phone number, company's address, company's e-mail address, etc., and the member's member information (e.g. It is preferable to include at least one member ID / PW information, or a CIF (Customer Information File), etc. generated in response to the customer by signing up as a financial transaction customer of the institution.

The advertisement data is a corporate advertisement content for a predetermined customer to provide to the customer through a non-face-to-face channel, such as Internet banking used by the customer when the financial transaction through a non-face-to-face channel, such as Internet banking Information including image files such as bmp, jpg, png, and gif, video file information such as mov, avi, wma, mpeg, mpg, mms, rm, and flash file information such as flv and swf to be provided to the customer. And at least one or more sound file information such as mp3 and wav.

According to the implementation method of the present invention, the corporate customer may register one or more pieces of advertisement data, and the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the advertisement data may include link information for accessing a product corresponding to the advertisement by a customer provided with the advertisement data (for example, to purchase a product corresponding to the advertisement, such as an image or video advertisement). Information including a hyperlink or the like for providing a product purchase web page or providing an advertisement company homepage for providing the advertisement, and the present invention is not limited thereto.

The advertisement providing criterion information is information on the number of times the corporate advertisement is exposed to the transaction performance of the corporate customer, and the advertisement providing criteria according to the number of transactions of the corporate customer (for example, providing an advertisement once per 10 transactions) and the like. Advertisement criteria based on the transaction amount of the corporate customer (for example, if the transaction amount is more than 1 million won and less than 2 million won, the advertisement is provided once; if the transaction amount is more than 2 million won and less than 3 million won, the advertisement is provided twice) and other separate transaction results. At least one advertisement exposure number according to the advertisement provision criteria (e.g., transaction period, transaction performance or transaction amount or number of transaction accounts, number of donations or donation amount of the company, etc.) It is preferable.

According to an embodiment of the present invention, when the advertisement of the advertisement providing reference information calculates and displays a transaction result of a corporate customer as a point (or mileage), the number of advertisement exposures according to the point (or mileage) is added to the advertisement providing reference information. It is preferable that the present invention is not limited thereby.

The transaction performance information is information on the transaction performance history of the corporate customer, and preferably comprises at least one or more information about the number of transactions and the transaction amount and other transaction performance history of the enterprise customer, according to the intention of the skilled person The transaction results may be calculated in points (or mileage) and the like, and the present invention is not limited thereto.

For example, when the transaction results are generated once, one point or one mileage is accumulated and the method is provided once when the 10 points (or mileage) is provided, and one point or one mile per 100,000 won of transaction amount. When earning 10 points (or mileage) can be inferred, such as a method of providing an advertisement once, the present invention preferably comprises all the inferred methods, the present invention is not limited thereto. .

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, a UI processing unit 410 for operating a web page to be provided to at least one or more customer terminals in cooperation with the web interface unit 400 and the banking D / B 465 and the UI processing unit 410. And a UI processing unit 405 for generating a user interface (UI) screen for providing a predetermined Internet banking service to at least one customer terminal in conjunction with the UI processing unit 405, and the banking D / The content management unit extracts predetermined content for providing the Internet banking service from the B 465 or receives predetermined content to be stored in the banking D / B 465 from the customer terminal. 415 and the UI processing unit 405, receiving the financial transaction service request information for requesting various authentication information and login information for internet banking access and internet banking service for financial transaction from the client terminal, and An information receiver 420 for receiving financial transaction service information and banking processing details to be provided from the financial system to the customer terminal, and transmitting the financial transaction service request information received from the customer terminal to the financial system; The corporate customer corresponding to the corporate advertisement when the financial transaction service information and banking processing details corresponding to the financial transaction service request information received from the client terminal are transmitted to the client terminal and the corporate advertisement is provided to the customer terminal. Information transmission unit 430 for transmitting the advertisement providing details according to the transaction performance to the terminal, and the corporate customer An information checking unit (or information checking means) 435 for confirming that the financial transaction performance of the financial information meets the advertisement providing standard information stored in the storage medium 220, and the advertisement in which the financial transaction performance of the corporate customer is stored in the storage medium. An information calculating unit (or information calculating means) 440 for calculating the number of times of exposure of the advertisement data of the corporate customer according to the advertisement providing reference information on the storage medium 220 and the calculated reference information, The advertisement data extracting unit 445 extracts the advertisement data of the corporate customer according to the number of exposures of the advertisement data, and outputs the corporate advertisement to the client terminal through the web interface unit 400. The advertisement data output processing unit 450 and predetermined content received from the customer terminal are stored in the banking D / B 465, and the corporate advertisement according to the transaction performance is performed to the customer terminal. If provided, the information storage unit 455 for subtracting the transaction performance information by the number of the provided corporate advertisements to store in the storage medium 220 and a product corresponding to the provided advertisement data is connected to the customer through the Internet banking ( Or a service), a loan processing unit (or loan processing unit) 460 for lending a part (or the entire amount) of the product purchase price with low interest, characterized in that it is made of, By the functional configuration, a communication channel and a user interface for processing Internet banking based on HTTP are implemented between the customer terminal and the Internet banking server 105.

In addition, the Internet banking server 105 provides a customer authentication interface screen to at least one or more customer terminals in cooperation with the UI processing unit 410 through the UI processing unit 405 based on the customer authentication information of the Internet banking information. And a customer authentication unit 425 receiving at least one customer authentication information based on the interface screen.

The customer authentication information stored in the banking D / B 465 may include ID / PW information and personal information (eg, name, social security number, address, contact information, etc.) of a customer accessing the Internet banking server 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 and 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 465 may include certification authority information (eg, KFTC) and certificate server information, or the authentication certificate that issued a predetermined authentication certificate to a customer connected through the customer terminal. Further including registrar information (e.g., if the accredited certificate is registered through the process, the process information; Preferably, the customer authentication unit 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 (465) is made, including a copy of the authentication certificate of the customer accessing the Internet banking server 105 through the customer terminal, or a predetermined authorized 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 certified certificate or a certification authority directory. .

According to one embodiment of the invention, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 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 the encrypted random numbers based on the public certificate information of the mutual comparison, or the random number in the plain text form (for example, It is preferable to authenticate the customer by encrypting and comparing the random number generated by the customer authentication unit 425 or the random number generated by the customer terminal.

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 therein, 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) interworking with 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 an input means provided in the customer terminal (for example, information input through a key input device provided in the customer terminal, or Information input through an input device (for example, a short-range communication device, etc.) other than a key input device provided in the customer terminal, and in this case, the customer terminal may use the symmetric key (or Secret key) encryption method, public key encryption method, electronic envelope encryption method, or encrypted through at least one or more encryption method of the key exchange encryption method provided 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 465 preferably comprises OTP generation information for generating an OTP authentication code that matches the OTP code generated through the One Time Password (OTP) 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 interoperates with a UI processing unit to receive various authentication information and login information for internet banking access and financial transaction service request information for requesting an internet banking service for financial transactions from the client terminal, and the financial system. It is preferable to receive the financial transaction service information and banking processing details to be provided to the customer terminal from.

The information transmission unit 430 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; When the banking processing details are transmitted to the customer terminal, and the corporate advertisement is provided to the customer terminal, it is preferable to transmit the advertisement providing details according to the transaction performance to the corporate customer terminal corresponding to the corporate advertisement.

The information checking unit 435 checks whether the financial transaction performance of the corporate customer meets the advertisement providing reference information stored in the storage medium 220 in connection with the storage medium 220.

The information calculating unit 440, when the financial transaction performance of the corporate customer meets the advertisement providing reference information stored in the storage medium, the number of times the advertisement data exposure of the corporate customer in accordance with the advertisement providing reference information in conjunction with the storage medium It is characterized by calculating.

The advertisement data extractor 445 extracts advertisement data corresponding to the calculated number of advertisement exposures.

The advertisement data output processing unit 450 may output the corporate advertisement to the customer terminal through the web interface unit 400 in conjunction with the UI processing unit 405 to expose the extracted advertisement data.

According to an embodiment of the present invention, a method of providing an advertisement to the customer terminal may be inferred from the method of providing the advertisement content in a web page for internet banking to be provided to the customer terminal as a banner, flash, video, etc. It may be possible, but it is preferred to include all the inferable methods, the present invention is not limited thereby.

According to the exemplary embodiment of the present invention, the advertisement data extracting unit 445 and the advertisement data output processing unit 450 may be formed of advertisement providing means which is one function component, and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, it has been described that the internet banking server 105 provides the advertisement contents provided to the customer to the customer terminal through the storage medium 220, but the advertisement data is provided to the advertisement contents. It may also be provided in connection with the enterprise customer server (not shown for convenience) provided, the present invention is not limited thereto.

The information storage unit 455 stores predetermined content received from the customer terminal in the banking D / B 465, and provides the corporate advertisement according to the transaction performance to the customer terminal, as many times as the provided corporate advertisement number. It is preferable to store the transaction performance information in the storage medium 220.

When the loan processor 460 requests a purchase of a product (or service) corresponding to the provided advertisement data by a customer connected through the internet banking, the loan processing unit 460 lowers a portion (or the total amount) of the purchase price of the product. It is characterized in that the loan process.

5A and 5B illustrate a process of providing a corporate advertisement according to a bank transaction record of a corporate customer according to an exemplary 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), when a predetermined client terminal accesses and logs in the Internet banking server 105 for predetermined Internet banking through a TCP / IP based network (e.g., the Internet), The present invention relates to an implementation method of providing a corporate advertisement of the corporate customer to the customer terminal according to a bank transaction record of the corporate customer who registered the corporate advertisement information in the information registration server 100 shown in FIG. If a person with ordinary knowledge of the present invention can refer to or modify the drawings 5a and 5b, and through the other types of non-face-to-face financial transaction channel to the banking performance of the corporate customer Accordingly, various implementation methods for providing the corporate advertisement of the corporate customer to the client terminal may be inferred, but the present invention includes all the implementation methods inferred, and is limited to the implementation methods shown in FIGS. 5A and 5B. Not.

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 equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 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, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server to a secure channel) (530a), where the security channel for the Internet banking Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal may verify the digital 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 in response to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting it to the server (or certificate 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 checks whether the financial transaction performance of the corporate customer corresponds to the advertisement providing reference information stored in the storage medium in association with the storage medium 220 (500b).

If the performance of the corporate customer meets the advertisement providing standard information (505b), the server calculates the number of exposures of the advertisement data of the corporate customer according to the advertisement providing standard information in association with the storage medium 220 (510b). ).

The server extracts advertisement data corresponding to the calculated corporate customer information (515b) and provides the extracted advertisement data to the terminal (520b).

According to an embodiment of the present invention, a method of providing a corporate customer advertisement to the customer terminal, including a method of providing the advertisement content in a web page for internet banking to be provided to the customer terminal, as a banner, flash, video, etc. Although it can be inferred, it is preferable that all the inferred methods are included, and this invention is not limited by this.

According to the exemplary embodiment of the present invention, it has been described that the internet banking server 105 provides the advertisement contents provided to the customer to the customer terminal through the storage medium 220, but the advertisement data is provided to the advertisement contents. It may be provided in connection with the advertiser server (not shown for convenience) provided, the present invention is not limited thereto.

Thereafter, the server stores and stores the transaction performance information of the corporate customer in response to the number of corporate advertisements provided to the terminal in association with the storage medium 220 (525b).

The server transmits the advertisement providing details of the corporate customer according to the bank transaction performance of the corporate customer and the corresponding transaction deduction details to the corporate customer terminal (530b).

Subsequently, upon viewing the provided corporate customer advertisement to the terminal and purchasing the corresponding advertisement-related product (535b), the server lends a portion (or the entire amount) of the purchase price of the product to low interest (540b). ), And transmits the product purchase information including at least one request for compensation for the loan at a low cost and the product purchase history according to the advertisement (545b).

According to the present invention, when the corporate customer uses the financial transaction, the advertisement is provided according to the transaction performance of the corresponding company, and thus, the enterprise may obtain the effect of the advertisement of the company only by performing the bank transaction.

In addition, by providing a loan service at a low price when a customer who views the corporate advertisement purchases a product corresponding to the advertisement, the customer has the advantage of purchasing the product at a cheaper loan interest.

In addition, financial institutions that provide advertisements have the advantage of increasing the number of corporate customers by providing advertisements according to the transaction performance of corporate customers, and if the customer buys the provided advertisements, the mortgage can be partially secured. It also has the advantage of selling loan products.

Claims (4)

Information storage means for storing advertisement providing reference information including the number of advertisement exposures that can be provided corresponding to the financial transaction performance of the corporate customer and the advertisement data of the corporate customer in a predetermined storage medium; Information checking means for confirming whether a financial transaction performance of an enterprise customer meets advertisement providing reference information stored in the storage medium; Information calculating means for calculating a frequency of exposure of the advertisement data of the corporate customer according to the advertisement providing reference information when the financial transaction performance of the corporate customer meets the advertisement providing reference information stored in the storage medium; And And advertisement providing means for providing an advertisement of the corporate customer to a customer terminal connected through internet banking according to the calculated number of advertisement data exposures. The method of claim 1, wherein when a customer connected through internet banking requests a purchase of a product (or service) corresponding to the provided advertisement data, a part (or the total amount) of the purchase price of the product is low interest. Advertising data providing system for a corporate customer, characterized in that further comprising a loan processing means for processing the loan. A computer-readable recording medium having recorded thereon a program for executing the system configuration means of claim 1. Storing the advertisement providing reference information including the number of advertisement exposures that can be provided corresponding to the financial transaction performance of the corporate customer in the information storage means and the advertisement data of the corporate customer in a predetermined storage medium; Confirming, by the information checking means, whether the financial transaction performance of the corporate customer conforms to the advertisement providing standard information stored in the storage medium; Calculating the number of exposures of the advertisement data of the corporate customer according to the advertisement providing reference information when the financial transaction performance of the corporate customer in the information calculating means satisfies the advertisement providing reference information stored in the storage medium; And And providing the advertisement of the corporate customer to a client terminal connected through internet banking according to the calculated number of exposures of the advertisement data in the advertisement providing means.

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