電子化個人金融服務系統之設計與建置

自1990 年開始由於網際網路逐漸興起，尤其對於電子商務(e-Commerce)的強烈需求，促使銀行必需要快速配合整個環境的變化，並設計一適合開放式網路交易的支付系統，進而形成「網際網路銀行」服務。網際網路銀行，並不會是一家新銀行，而將是目前所有先進銀行積極發展的一種服務管道，為的是方便所有客戶在最舒適的時間與空間中，完成與銀行的交易。台灣的網際網路人口已在民國九十年九月突破750萬人，而且這些網路族群年輕受過高等教育，有不錯的收入，均是各家銀行競相爭取的客戶群。所以豐富的網路銀行功能，才能吸引客戶與銀行間長久的往來。本研究透過與銀行業者合作建置一『電子化個人金融服務系統』；透過此系統的開發與完成，達到即時化、系統化、網路化及普遍化之使用目的。具體的研究的內容乃透過開放的標準、應用各種網路傳輸協定、及編碼技術，整合傳統銀行業者將銀行服務建置於網路上，將銀行內封閉的資訊內容延伸建構於網際網路上，並且此系統規劃能夠達到未來發展上的物件化、模組化、可延伸等特質。

關鍵字

金融服務系統；網際網路銀行；電子商務

並列摘要

The emergence of Internet since 1990, especially the strong need for e-Commerce, urges banks to cooperate with the changes of the environment rapidly. In addition, banks need to design a paying system that is suitable for public Internet business transactions, which forms the “ On-line banking” service. On-line banking is not a new bank but a service channel which all advanced banks are keen to develop. The objective of on-line banking is to facilitate all customers to complete transactions in a comfortable space. The population of network users went beyond 7,500,000 in September 2001. Moreover, these well-educated, high paid network users are customers who banks try to attract. Therefore, only banks, which have sound on-line banking functions, enable customers to maintain long-term relationship. This research is undertaken through the cooperation with a bank. By developing “the electronic personal banking service system “, the system will achieve the goal and have some distinguishing features in Object-Oriented, immediately, stretching. The content of the concrete study is trying to build up banking service in the Internet and to structure the expansion of close information in the bank on the Internet through open standard, applying various kinds of Internet transmitted protocol, and coding techniques. In addition, this system is planned to achieve some characteristics, such as Object-Oriented, Modulated and stretchable in the future development.