網路銀行多行帳戶整合模式之研究

Abstract

從網路銀行（Internet Banking），如美國Citibank銀行的MyCiti網路銀行，客戶可以透過單一登入（Single Sign-on）來獲知Citibank及非屬於Citibank的帳戶餘額、交易明細、整合式投資資訊、整合式Email訊息、整合式紅利等資訊。反觀台灣的網路銀行，客戶只能擁有單一金融機構或及其關係企業金融機構的帳戶整合（Account Aggregation），而尚未擁有不同銀行，亦即多行，帳戶整合的功能。本論文乃針對台灣金融環境，希望探討出可行的多行帳戶整合的模式。本研究以模式闡述研究方法，分析網路銀行中，欲進行多行帳戶整合功能時，可能會有那些可行模式。研究中，計列出八種可行模式，並分析其優點、缺點、及安全性等。當安全性及隱私性為主要考量時，本研究所提之運用PKI（Public Key Infrastructure,公開鑰基礎建設）環境的Web-PKI法及Agent-PKI法，應為未來進行帳戶整合功能時，較為可行的模式。

From the internet banking, such as the MyCiti internet banking of Citibank, customers could retrieve the information of account balances, transaction details, integrated investment messages, integrated Email messages, integrated bonuses of Citibank and non-Citibank by single sign-on.But, from the internet banking of Taiwan, customers can only retrieve the integrated financial information of a single financial institution or add more with other financial institutions of their related enterprises. The Internet banking of Taiwan still has no the functions of account aggregation for multiple internet banking. This paper wishes to find out the feasible models of account aggregation for multiple internet banking against Taiwan financial environment.This study uses the model description method to analyze the feasible models of account aggregation for multiple internet banking. This paper gives eight feasible models, and their advantages, disadvantages, and security were analyzed. As the security and privacy are major concern, then the proposed Web-PKI and Agent-PKI model could be more feasible models to apply to the account aggregation functions.