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?????, ???? ????

• ??? / ??? ??
• ??? ?? (PC?? ? 890???, ? 6.35??)
• ???? ???
• ??? ???, ?????, ???
• ?????? ??
• Electronic Shopping Malls
• gt ?? ??(????, ????)? ???
• ????, ???? -gt ????? ?? ???????
• ???? ??
• ???? ??
• ???????? ???
• ??? ?? -gt ??? ?? -gt ??? ??
• gt ????? ??

3
Electronic Banking Phase
??? ????? ??
Cyberbanking
Network inter-banks bank-customer
(?? 1995? 10? SFNB ??)
On-line intra-bank

• ????
• SFNB

(Home banking 1995? Phone banking 1996? ??)
(1987? ??)
?????? Hinet-P, Hitel Internet
97? 1? 15?, ???? ???? 1240?
???? ???? 519? ?????? ???? 100??
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?? ??? ????
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??? ?? ??? ? ????
1997, U.S
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• ???? ??? ??? ??? ???? ?? ??
• ??
• ?? ??
• ?? ???, ???, ???, ????
• ??? ??
• ?? ??? ??? ?? ???? ?? ? ??? ??
• ??
• ????
• ??? ????
• 24?? ????

7
????? ????

• 1st stage PC banking service ?? ??
• ????
• ?? ??, ?? ?? ??, ?? ??, ?? ??
• 2nd stage ?? ????? ?? ? ???? ??
• ??, ??
• ??? ??? ?? ?????, ...
• ?????? ?? ???? (SFNB)
• 3rd stage Meta Bank service
• ?? ??, ??, ??, ?? ??? (??? ?? ????)
• Electronic payment

8
Architecture of InternetBanking System
Firewall
Web DB
Trusted Operating System
Customer
Bank Main System
Web Server
Customer
Main DB
9
????? ???? ?

• ?? ???? ??, ?? ?? ??
• ?? ?? ? ?? ??
• ?? ?? ?? ?? (??????? ?? ??? 9? ??? 1,000???
  ??? 16?)
• ?? ??? ???? ?? -gt ??? ??
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• Risk (???)

10
?????? ??

• ??? ?? ????? ??? ?? ??
• ????, ??? ??? ??
• ?? ????,???,????? ???
• ???, ??????? ?? ???? ??
• ??? ??? (DES,RSA,CA)
• Firewall
• Secured OS (CMW, Secureware)
• Real-Time Intrusion Detection System

11
????? ? (SFNB)

• ?? 12-14?
• Outsourcing ??? ?? ? Call Center
• ??? 9000
• ?? ?? 17.8 Million
• ??? 8 Million

(1996? 10? ??)
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SFNB Services

• ?? ??(Epay)?
• Quick Pay ???
• - ????? ????
• - ????? ????
• ???? ??
• ?? 20? ???? ??
• 200? ??? ??
• ?? ?????
• ?? ??? ??
• ???? ???? ????

13
SFNB? ??

• Worlds first real Internet Bank(96? 10?)
• Save Time
• Save Money
• Make Money (?? ??? ??)
• Wide range of services
• Secure Transactions (SSL)
• No software to buy (Web)
• Interface with personal finance software
• 24 hours a day, 365 a year
• Easy to use (Web)

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??? ?? ????

• Dynamic Paging
• ??? Home page
• ??? Home page

• Electronic Payment
• ?? ????
• ?? ????
• ?? ????, ????, ????

• ???? ???
• Customer specific loan rate, etc.
• Customer-programmed menu
• Personalized advertisement
• Personalized news

• Automatic Customer Monitoring
• ?? ??? ??
• ?? ??? ?? (???, ??? ??, ...)
• ?? ?? ?? ??
• ?? ??? ?? ? ?? ?? ??

Meta Bank
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META-BANK
Intelligent Agent
Bank
customer
Integrated Financial Investment System
Trust Co.
Savings Investment Advisor (??) Stock Investment
System (??) Insurance Manager (??)
company
Investment Co.
??
Electronic Payment System
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???? ????

• ???? ??? ????
• IC Card -gt ???? ? ?????? ??
• High Security Solution
• ?? ??? ?? ???
• ??? ??? ??
• Kiosk System ??
• ??? Meta Bank?