KR100874906B1 - Video banking server and method thereof - Google Patents

Abstract

A video banking service system and a method thereof are presented to enable users including the deaf or a person who has difficulty in hearing to use banking service using a user terminal. According to a video banking service method, a first service screen requesting to input user information is given to a user terminal requesting first financial information. A DTMF(Dual Tone Multi Frequency) signal corresponding to the user information is received from the user terminal. The received DTMS signal is analyzed in real time and the analysis result is text-overlaid on the first service screen to be given to the user terminal(S412). The first financial information is acquired, by providing the inputted user information to a bank legacy system(S430). A second service screen including the first financial information is given to the user terminal. A voice guidance broadcasting is given to the user terminal.

Description

Video banking server and method

The present invention relates to a banking service, and in particular, provides a synchronized voice guidance and video guidance to a user in Next Generation Network (NGN), Broadband Integrated Network (BcN), etc. to enable easy and convenient financial services. It relates to a video banking server and a service method.

At present, personal banking and wireless terminals use financial services such as phone banking services, internet banking services, and mobile banking services.

The phone banking service is mainly used in a PSTN (public telephone network) environment where a user terminal (eg, a general telephone) connected to a representative number (eg, 1588-xxxx, 1544-xxxx, 1599-xxx, etc.) of a financial IVR (interactive voice response) server is used. And a mobile phone), which provides usage information through voice announcements for each service, and receives a user's input through DTMF (Dual Tone Multi Frequency) of the user terminal, thereby allowing the user to transfer, inquire, consult, etc. Make financial transaction services available.

The mobile banking service is a service provided to a mobile terminal connected to a service server of a financial sector in a mobile communication network environment, and enables a user to use various financial transaction services using text-based financial usage information and user response information. In addition, the Internet banking service is a service provided to a user terminal using an internet web browser connected to a financial server in an internet environment. A user can use various financial transaction usage information and user response information through a GUI (Graphic User Interface). Make financial transactions available.

However, the phone banking service is difficult to use for the hearing impaired or deaf, and the mobile banking and Internet banking services are cumbersome to be equipped or mounted on the user terminal for user authentication.

The technical problem to be achieved by the present invention is to provide a video banking service system and method that makes it easy for everyone, including the deaf and hard of hearing, to use the banking service using the user terminal in the Internet, next-generation communication network, broadband integrated network, and the like.

According to a feature of the present invention for solving the above technical problem, the present invention provides a video banking service method for providing each banking service item to the user terminal according to the service scenario. The video banking service method includes, in response to a procedure of one service scenario: a) when providing financial information of the user to the user, accessing a bank legacy system to obtain financial information of the user; b) text overlaying the received information on a set desktop when the user confirms the information received from the user or the bank legacy system; c) synchronizing the audio announcement with the video announcement, including the text overlaid wallpaper, if the video announcement and the audio announcement are corresponding to the user input; And d) transmitting a synchronized video and audio guide broadcast or transmitting a video or audio guide broadcast according to the produced guide broadcast.

In the step c), the elapsed time is measured based on the transmission start time after the transmission of the audio announcement by using a first synchronization function for synchronizing the transmission start time of the video announcement and the audio announcement. A second synchronization function for transmitting the video frame corresponding to the measured elapsed time to the announcement broadcast is further used.

The first synchronization function may be configured to produce the audio announcement broadcast after the production of the video announcement broadcast and to synchronize when the production of the audio announcement broadcast is completed, or to produce the video announcement broadcast and the production of the audio announcement broadcast. Simultaneously proceed and synchronize when the production of video and audio announcements is complete.

In addition, according to a feature of the present invention for solving the above technical problem, the present invention provides a video banking service server for providing each banking service item to the user terminal according to the service scenario. The video banking service server may include: a scenario execution unit configured to perform a service scenario corresponding to a banking service code received from a user terminal to which a session is connected and to provide a corresponding banking service according to a corresponding service scenario; A voice processing unit for generating a voice announcement broadcast necessary for a specific service procedure of a corresponding service scenario and transmitting the generated voice announcement to a user under the control of the scenario execution unit; An image processor configured to generate and transmit an image guide broadcast necessary for a specific service procedure of a corresponding service scenario to the user under the control of the scenario execution unit; And a voice-video synchronization unit for synchronizing the voice announcement broadcast and the video announcement broadcast to be transmitted by each of the voice processor and the image processor when the announcement broadcast to be transmitted in a specific service procedure of the corresponding service scenario is performed. Include.

The voice processing unit may include a first voice processing function for identifying a voice guidance file required for a specific service procedure, extracting voice data of text from the recognized voice guidance file, and producing a voice guidance broadcast through a text to speech (TTS) function. Or a second voice processing function for identifying a voice guidance file required for a specific service procedure and for producing a voice announcement by combining voice words already recorded based on the identified voice guidance file.

 The image processing unit may further include a first image processing function for identifying image guide information required for a specific service procedure and encoding (encoding) the image guide information to produce an image guide broadcast, and a still image required for a specific service procedure. Grasp the video guide information, text overlay the information received from the user terminal or the bank legacy system, and encode the text guided video guide information to produce a video guide broadcast. .

The audio-video synchronization unit may use a first synchronization function for synchronizing the transmission start time of the video announcement and the audio announcement, or measure an elapsed time based on the transmission start time after transmitting the audio announcement. A second synchronization function for transmitting the video frame corresponding to the measured elapsed time to the announcement broadcast is further used.

The present invention has the effect of allowing the deaf, hard of hearing, visually impaired and the general public to easily and conveniently use the banking service through their own terminal through a single voice or video announcement and synchronized voice announcement and video announcement. have.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise. In addition, the terms “… unit”, “… unit”, “module”, etc. described in the specification mean a unit that processes at least one function or operation, which may be implemented by hardware or software or a combination of hardware and software. have.

1 is a block diagram of a video banking service system according to an exemplary embodiment of the present invention.

As shown in FIG. 1, a video banking service system according to an exemplary embodiment of the present invention is an IP terminal 10, a soft switch 20, an application server 30, and a video banking server (hereinafter referred to as “VBS”). 40 and a bank legacy system 50.

The soft switch 20 receives a call request from the IP terminal 10 owned by a SIP (Session Initiation Protocol) user or the like under the control of the application server 30, performs a number translation, and then sends a call to a destination through a call routing function. Incoming. The application server 30 controls the incoming call from the soft switch 20 and delivers it to the video banking server.

The VBS (video banking server) 40 transmits and receives multimedia (eg, video, audio, etc.) data with the connected IP terminal 10 through a Realtime Trasport Protocol (RTP) / Realtime Transport Control Protocol (RTCP) connection. It performs communication and transmits and receives necessary financial information through the banking legacy system 50 and a unique interface. The VBS 40 performs a video banking scenario corresponding to the financial service request and provides a financial service based on the scenario (eg, balance check, transfer, withdrawal / withdrawal check, etc.), where legacy services are provided for the service. Performs system interworking and interworking with other servers, and PBX switching for agent call switching. Here, one video banking scenario is composed of a plurality of service procedures, and the plurality of service procedures are sequentially performed in a predetermined order.

In this case, the financial service provision according to the scenario provided to the connected IP terminal 10 provides a voice guidance and / or a video guidance for using the financial service, so that the user can check the current service procedure visually and auditoryly, By overlaying the number or letter input by the user received from the IP terminal 10 on the image background in real time, the user input information can be confirmed again.

When the VBS 40 provides the voice guidance and the video guidance to the IP terminal 10, the VBS 40 synchronizes the voice guidance and the video guidance so that the user inputs the input requested through the voice guidance to the screen of the correct video guidance. . If the audio and video are not synchronized, the user may input the input requested through the voice guidance on the wrong video screen, and especially when the blind or the person who has poor eyesight may input the wrong information. do.

The bank legacy system 50 is a system established by each financial company for a banking service, and provides various information about customers. This bank legacy system 50 includes a database 51, a computer-telephony (CTI) server 52, and a private branch exchange (PBX) server 53.

The database 51 stores the customer's account and the financial information of the individual corresponding to each account. The CTI server 52 controls the call control for the incoming call when the VBS 40 requests a direct connection with the agent. Manages the state of the counselor terminal and controls the connection with the PBX server 53. The PBX server 53 performs call control of the terminals of the counselor when a direct connection with the counselor is requested during the banking service.

Hereinafter, the VBS 40 will be described in more detail with reference to FIG. 2. 2 is a block diagram of a video banking server according to an exemplary embodiment of the present invention.

As shown in FIG. 2, the VBS 40 includes a scenario execution unit 41, a voice processing unit 42, a voice-video synchronization unit 43, an image processing unit 44, a text overlay unit 45, and a banking scenario. DB 46, voice guidance DB 47 and video guidance DB (48).

The scenario execution unit 41 interfaces with the IP terminal 10 through RTP / RTCP to provide a banking service initial screen to the user, and provides a banking service item (balance check, account transfer, deposit / withdrawal check, etc.) provided on the initial screen. ), The scenario corresponding to the banking service code selected by the user is performed. The scenario to be performed is obtained by providing a service code to the banking scenario DB 46. For example, when the scenario execution unit 41 receives an account transfer service code from the IP terminal 10, the scenario execution unit 41 provides the received bank transfer service code to the banking scenario DB 46 to perform an account transfer scenario matched with the account transfer service code. Acquire.

The voice processing unit 42 performs a voice processing function of transmitting a voice guidance broadcast necessary for a specific service procedure to the user in connection with the voice guidance DB 47 during execution of the banking scenario under the control of the scenario execution unit 41. . At this time, the file format of the voice announcement broadcast is a PCM (Pulse Code Modulation) format, and provides a fixed / editable voice function for each service.

The voice processing function of the voice processing unit 42 obtains voice guidance information necessary for a specific service procedure from a voice guidance DB 47 as a file, extracts voice data of text from the acquired file, and performs a voice through the TTS (Text To Speech) function. And a second voice processing function for combining and transmitting the voice words already recorded based on the file obtained from the voice guidance DB 47 and transmitting the first voice processing function for making the information. The first voice processing function is suitable for transmitting fixed set announcements, and the second voice processing function is variable including an external input (eg, input from the IP terminal 10 or the bank legacy system 50). This is suitable for transmitting a voice announcement broadcast.

For example, the first audio processing function is performed when the user selects a service item displayed on the screen of the video guide to provide a voice guidance of "XXX service selected" or "Guide for XXX service". The second voice processing function is performed when the user inputs the account number or the amount information on the screen of the video guide, and provides the voice guidance "The input account is XXXXX" or "The amount to be transferred is XXXX". do.

The image processor 44 performs an image processing function of transmitting a video guide necessary for a specific service procedure during the execution of the corresponding banking scenario to the user in association with the video guide DB 48 under the control of the scenario execution unit 41. At this time, the file format of the video announcement broadcast is AVI (Audio Video Interleaving) format, and provides a fixed / editable video function for each service.

The image processing function of the image processing unit 44 acquires image guide information necessary for a specific service procedure of a specific scenario from the image guide DB 48 as a still image (including a desktop), encodes (encodes) it, and transmits the first image. And a second image processing function of overlaying text information on the background screen in connection with the text overlay unit 45 and encoding and transmitting the text overlayed background screen. The first image processing function is suitable for transmitting fixed voice guidance, and the second image processing function includes an external input (eg, an input from the IP terminal 10 or the bank legacy system 50). It is suitable when you want to send the announcement.

For example, the first image processing function is performed when the user selects a service item displayed on the screen of the image guide to transmit a video screen corresponding to the service item selected by the user. The second image processing function is performed when the user inputs the account number or the amount information on the screen of the video guide, and texts the information (account number or amount information, etc.) input by the user on the image screen provided to the user. After overlaying, the text overlayed screen is sent.

When the announcement broadcast to be transmitted in the service procedure of the specific scenario is both audio and video, the audio-video synchronization unit 43 performs the audio / video announcement broadcast to be transmitted by each of the audio processor 42 and the image processor 44. Send in synchronization. By the operation of the audio-video synchronization unit 43, the user can be provided with video and audio guidance corresponding to a specific service procedure at the same time. At this time, the audio-video synchronization unit 43 synchronizes with the voice announcement broadcast by using the transmission time information included in the video information when synchronizing the audio and video. This synchronization method will be described in detail in the following description with reference to FIGS. 5 and 6.

The text overlay unit 45 operates to achieve the second audio processing function under the control of the image processor 44, and performs a function of overlaying text information on the information display field of the still image. In this case, the text information may be an account number, a password, special characters (eg, "*", * # ", etc.) or text information related to a name, and the information display field may be a specific part of the desktop to which text information is to be input. Good.

The banking scenario DB 46 stores service scenario information for each banking service code.

The voice guide DB 47 stores the voice guide file for each service procedure of each service scenario, and the video guide DB 48 stores the video file for each service procedure of each service scenario.

In this case, the video file to be synchronized with the voice announcement broadcast among the video files for each service procedure of each service scenario stored in the video guidance DB 48 includes synchronization information to be synchronized with the voice announcement broadcast. Here, the synchronization information is preferably time difference information compared to the transmission start time of the voice announcement broadcast to be synchronized. For example, when the time difference information included in the first video file is "0", the first video file is transmitted in synchronization with the same time as the transmission start time of the voice announcement broadcast. As another example, when the time difference information included in the second video file is “100 ms 20 seconds,” the second video file is synchronized with the voice announcement broadcast 100 ms 20 seconds after the start time of the voice announcement broadcast.

On the other hand, in the embodiment of the present invention with reference to Figure 2 has been described as a variety of information is a database (for example, banking scenario DB, voice guidance DB, video guide DB), this is limited for convenience of description, Various information of the present invention is not limited thereto, and may be implemented in a form stored in the internal memory of the VBS 40. For example, the banking scenario DB, the voice guidance DB, and the video guidance DB may be in the form of a plurality of files or a single file in a single folder.

Hereinafter, a service method using a banking service system according to an embodiment of the present invention and operations of a main part (voice processor, image processor, and voice-image processor) will be described with reference to FIGS. 3 to 8.

3 is a data flow diagram illustrating a call processing process and a banking scenario providing process according to an exemplary embodiment of the present invention. As shown in Figure 3, the call processing process according to the embodiment of the present invention follows a conventional SIP call processing procedure.

When the IP terminal 10 dials the special number of the video banking service, a call connection request message INVITE, which is a SIP message, is transmitted to the application server 30 through the soft switch 20 (S301 and 302). In this case, the media connection information of the IP terminal 10 is described in the call connection request message using the Session Description Protocol (SDP).

Then, the application server 30 generates a new call connection request message and delivers it to the VBS 40 (S303), and simultaneously informs the IP terminal 10 of the call connection attempt (S304).

Accordingly, the VBS 40 transmits a response (200 OK) to the call connection request message to the IP terminal 10 through the application server 30 and the soft switch 20 (S305, S306, S307). Here, the response message 200 OK includes encryption and authentication algorithm values as well as media information of the VBS 40.

In response to the response message 200 OK, the IP terminal 10 includes the encryption method and authentication information in the ACK message and transmits the encrypted information and the authentication information to the VBS 40 through the soft switch 20 and the application server 30 (S308, S309). Then, the VBS 40 authenticates the IP terminal 10 and sets an encryption method, thereby establishing a session between the VBS 40 and the IP terminal 10 (S310).

When the session is established between the VBS 40 and the IP terminal 10 in this way, the VBS 40 provides a full-fledged banking service to the IP terminal 10, wherein the data (eg, voice, video data, user input data) It is sent and received according to the RTP / RTCP protocol.

Briefly, after connecting the session, the VBS 40 provides the set initial screen to the IP terminal 10 (S311), and the IP terminal 10 inputs a service number corresponding to the service item displayed on the initial screen, thereby providing the VBS. Provided to 40 (S312).

Then, the VBS 40 determines the service code by reading the service number which is the received user input (S313), and performs the banking service scenario corresponding to the service code (S314). In accordance with the execution of the banking service scenario, the VBS 40 provides the IP terminal 10 with voice or / and video announcement corresponding to the corresponding service procedure, and the IP terminal 10 provides the voice or / and video announcement. The personal information (eg, account number, password, etc.) or item information (item number) of the user input according to the guidance is provided to the VBS 40 (S315).

Here, the banking scenario execution operation in the VBS 40 will be described in detail with reference to FIGS. 4 to 7. 4 is a data flow diagram conceptually illustrating a video banking service method according to an exemplary embodiment of the present invention.

In the VBS 40, each service item scenario for the banking service is executed. The service item at this time is a balance check, a transfer, a deposit / withdrawal check and the like. Therefore, the scenario for each service item has a different procedure for each service item, and the voice guidance and video guidance also vary accordingly.

However, as shown in FIG. 4, each service item scenario executed in the VBS 40 includes three execution routines, namely, a) an execution routine for providing information to the IP terminal 10, and b) an IP terminal 10. Or based on the execution routine according to the information input from the bank legacy system 50, and c) an execution routine for requesting information into the bank legacy system 50.

First of all, a) the execution routine for providing the information, the VBS 40 is a voice sent to the IP terminal 10 in the procedure to determine whether to synchronize the transmission information for each procedure during the execution of the scenario according to the setting procedure Check whether there is a guide or an image guide (S410). If there is only one voice announcement or video announcement in this confirmation, the VBS 40 transmits the corresponding announcement broadcast to the IP terminal 10 without performing synchronization (S412).

However, if there is both voice guidance and video guidance (S410), the VBS 40 performs the synchronization of the voice guidance and video guidance (S411), and the synchronized voice guidance and video guidance to the IP terminal 10 It transmits (S412).

Here, the synchronization of S411 includes a first synchronization method and a second synchronization method according to a service providing method. The first synchronization method is a method of synchronizing the start of the audio guide and the start of the video guide, and the second synchronization method is a method of synchronizing the video guide broadcast to a specific comment of the voice guide during the voice guide.

A first synchronization method is shown in FIG. 5 is a conceptual diagram illustrating a voice-video synchronization method according to a first embodiment of the present invention.

As shown in FIG. 5, the first synchronization method is synchronization of video guide and audio guide having the same transmission start time.

In general, it takes longer to process video data than to process audio data. Therefore, as shown in FIG. 5A, when the audio-video synchronization unit 43 receives an instruction to send the audio and video guide broadcast according to the first synchronization method from the scenario execution unit 41, the image processing unit first is performed. Instructing the 44 to produce the video guide production and receiving the completion of the video guide broadcast production from the image processor 44, delays the transmission of the video guide broadcast, and then instructs the audio processor 42 to produce the voice guide broadcast. When the voice-video synchronization unit 43 receives the completion of the production of the voice guidance broadcast from the voice processing unit 42, the voice-video synchronization unit 43 controls the voice processing unit 42 and the image processing unit 44 to simultaneously transmit the voice guidance broadcast and the image guidance broadcast. .

In addition, even when the voice-video synchronization unit 43 receives the user's input as shown in FIG. 5 (b) and transmits the voice guide and the video guide correspondingly, the voice-video synchronizer 43 first inputs the user to the image processor 44. After providing the text information corresponding to the text overlay on the desktop and receiving the completion of the video guide broadcast production from the image processing unit 44, after delaying the transmission of the video guide broadcast voice announcement to the voice processing unit 42 Instruct the production. Then, when the voice-video synchronization unit 43 receives the completion of the production of the voice guidance broadcast from the voice processing unit 42, the voice processing unit 42 and the image processing unit 44 controls the voice guidance broadcasting and the image guidance broadcasting simultaneously. To be sent.

On the other hand, unlike the synchronization method shown in FIG. 5, the voice-video synchronization unit 43 instructs both the voice processing unit 42 and the image processing unit 44 to produce each of the announcements, and then the voice processing unit 42 and the audio processing unit 42. Before the completion of the production from all of the image processing unit 44, the transmission of the completed production of the first announcement is delayed, and when the production of the announcement in both the image processing unit 44 and the audio processing unit 42 is completed, the voice announcement and video The announcement can be sent simultaneously.

Next, a second synchronization method is shown in FIG. 6. 6 is a conceptual diagram illustrating a voice-video synchronization method according to a second embodiment of the present invention.

As illustrated in FIG. 6, the second synchronization method is a synchronization method that is performed when one or more video announcement broadcasts are transmitted among voice announcement broadcasts corresponding to a specific scenario procedure. That is, a method of synchronizing a video guide broadcast having a start error of a voice guide and a time error.

In general, since the transmission bit rate for voice data is constant, it can be said that the synchronization based on the transmission start time of voice data is highly reliable from a synchronization standpoint. Therefore, the VBS 40 of the present invention synchronizes one or more video announcements with corresponding announcements based on the transmission start time of the voice announcements.

Specifically, when the voice-video synchronization unit 43 is instructed by the scenario execution unit 41 to synchronize the voice guide and the video guide according to the second synchronization method, the voice processor 42 instructs the voice guide broadcast transmission and broadcasts. The elapsed time is checked on the basis of the transmission start time, and if there is an image file having time difference information corresponding to the elapsed time, the image processor 44 instructs the image guide broadcast transmission. When the video processor 44 receives a voice-video synchronization command from the audio-video synchronization unit 43, the image processor 44 searches for an image frame to synchronize based on the current time, produces a video guide broadcast, and completes the video guide broadcast with the completion of production. Send it out.

As a result, as shown in FIG. 7, the VBS 40 of the present invention transmits a voice guide broadcast and a video guide broadcast from the voice processor 42 and the image processor 42, respectively, and the voice-video synchronizer 43. By controlling the synchronization of the audio and video announcement broadcast transmitted by the, through the RTP protocol, each announcement broadcast synchronized to each of the voice announcement broadcast channel and the video announcement broadcast channel is transmitted to the IP terminal 10.

Returning back, b) looking at the execution routine according to information input from IP terminal 10 or bank legacy system 50, VBS 40 receives user input from IP terminal 10 or bank legacy system 50; When receiving the personal information (eg, balance information) of the customer from, it is determined whether or not to overlay the received information on the set background screen (S420).

In this case, if the text is overlaid, the received information is overlaid on the background screen (S421). If the text is not overlaid, the received information is transmitted to the IP terminal 10 (S412). This text overlay is repeated whenever a user input occurs, and when the user input is completed (S422), whether to synchronize with the voice announcement broadcast (S410) or whether to access the bank legacy system 50 is performed according to the scenario procedure. .

Finally, c) the execution routine for requesting information with the bank legacy system 50, the VBS 40 is connected to the bank legacy system 50 to obtain the user's personal information (S430), the bank legacy system The user's identification information and account number are provided to the user 50 (S431) to obtain personal financial information (S432).

Hereinafter, an example of a case in which the service method of the present invention is applied to the balance inquiry service will be described with reference to FIG. 8. 8 is a data flow diagram illustrating a video banking service method corresponding to a balance inquiry transfer confirmation service according to an embodiment of the present invention.

As shown in FIG. 8, when a session is connected between the IP terminal 10 and the VBS 40 (S801), the VBS 40 provides an initial screen to the IP terminal 10 (S802) and the IP terminal ( 10) requests the balance inquiry service according to the balance inquiry service selected by the user among the service items on the initial screen (S803).

Then, the VBS 40 performs a banking service scenario for the balance inquiry service to determine whether there is a voice and video announcement broadcast that should be transmitted every service procedure (S804).

During this process, if there is a voice and video announcement to be transmitted, the voice announcement and the video announcement (account number input screen) are synchronized and transmitted, and if only one of the voice or video announcement is transmitted, it is transmitted without synchronization ( S806, S807).

The user of the IP terminal 10 is guided to input an account number through a voice announcement broadcast, and then inputs his / her account number by viewing the video guide screen displayed on the screen, that is, the account input screen (S808). The IP terminal 10 provides the corresponding number to the VBS 40 through the RTP protocol as DTMF information whenever one number corresponding to the account number is input (S809).

The VBS 40 receives the DTMF information and interprets the number to identify the corresponding number. The VBS 40 text overlays the identified number on the account number input field of the currently provided account number input screen (S810), and then inputs the text overlayed account number input screen. It transmits to the terminal 10 (S811). Steps S808 to S811 are repeated until the input of the number of the account number is completed (S812).

When the account number input is completed through this process (S813), the VBS 40 provides a password input screen, receives the number of the corresponding password from the user, and completes the password input by providing the text overlay again. (S814).

When the input of the account number and password is completed, the VBS 40 accesses the bank legacy system 50 to obtain balance information of the corresponding account number from the database 51 built by the financial institution (S815, S816). After the text information is overlaid on the balance information confirmation screen, the balance information is synchronized with the transmitted voice announcement broadcast and provided to the IP terminal 10 (S817 and S818).

Then, the VBS 40 counters the elapsed time based on the transmission start time of the voice announcement broadcast to generate an image frame having a specific time difference information based on the transmission start time (eg, another service selection guide screen according to service completion). It finds and synchronizes with the voice announcement broadcast to the IP terminal 10 (S819, S820, S821).

The embodiments of the present invention described above are not implemented only through the apparatus and the method, but may be implemented through a program for realizing a function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded. Implementation may be easily implemented by those skilled in the art from the description of the above-described embodiments.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

1 is a block diagram of a video banking service system according to an exemplary embodiment of the present invention.

2 is a block diagram of a video banking server according to an exemplary embodiment of the present invention.

3 is a data flow diagram illustrating a call processing process and a banking scenario providing process according to an exemplary embodiment of the present invention.

4 is a data flow diagram conceptually illustrating a video banking service method according to an exemplary embodiment of the present invention.

5 is a conceptual diagram illustrating a voice-video synchronization method according to a first embodiment of the present invention.

6 is a conceptual diagram illustrating a voice-video synchronization method according to a second embodiment of the present invention.

7 is a conceptual diagram illustrating a synchronization function of a video banking server according to an exemplary embodiment of the present invention.

8 is a data flowchart illustrating a video banking service method corresponding to a transfer confirmation service according to an embodiment of the present invention.

Claims (14)

a) providing a first service screen requesting input of user information to a user terminal requesting first financial information; b) receiving a dual tone multi frequency (DTMF) signal corresponding to the user information from the user terminal, c) interpreting the received DTMF signal in real time, and providing the user terminal with a text overlay on the first service screen; d) repeating steps b) and c) until the input of the user information is completed; e) obtaining the first financial information by providing the user information on which the input is completed to a bank legacy system; f) providing a second service screen including the first financial information to the user terminal, and g) corresponding to steps a), c) and f), if there is a voice announcement to be provided to the user terminal together with the corresponding service screen, the voice announcement is synchronized by outputting the voice announcement. Providing to the user terminal, The synchronizing of step g) includes the production of the voice announcement after the production of the service screen and the video banking service method of synchronizing the voice announcement with the service screen when the production of the voice announcement is completed. delete delete delete The method of claim 1, The synchronizing of the step g) further includes transmitting a service screen corresponding to the measured elapsed time based on the transmission start time after transmitting the voice announcement broadcast, and transmitting the video guide broadcast as the video announcement broadcast. Scenario execution unit for performing a service scenario corresponding to the banking service code received from the user terminal connected to the session to control the corresponding banking service provided according to the service scenario, A voice processing unit for generating a voice announcement broadcast necessary for a specific service procedure of a corresponding service scenario and transmitting it to a user under the control of the scenario execution unit; An image processing unit which transmits to a user who generates an image announcement broadcast including a first service screen necessary for a specific service procedure of a corresponding service scenario under the control of the scenario execution unit; Interpreting and interpreting, in real time, a DTMF signal input from the user terminal displaying the first service screen—a screen requesting input of user information—to overlay the text on the first service screen and provide the result to the image processing unit. A text overlay unit; And In case that the announcement broadcast to be transmitted in the specific service procedure of the corresponding service scenario is both audio and video, the audio processing unit and the audio processing unit include a voice-video synchronization unit for synchronizing and transmitting the audio announcement broadcast and the video announcement broadcast. But The audio-video synchronizing unit controls the audio processing unit and the image processing unit to complete the production of the video announcement broadcast and then to produce the audio announcement broadcast, and when the production of the audio announcement broadcast is completed, the video announcement broadcast and the audio announcement. A video banking service server that ensures that the broadcast start times are synchronized. The method of claim 6, The voice processing unit uses a first voice processing function to identify a voice guidance file required for a specific service procedure, extract voice data of text from the recognized voice guidance file, and produce a voice guidance broadcast through a text to speech (TTS) function. Banking Service Server. The method of claim 7, wherein The voice processing unit uses a second bank processing service to identify a voice guidance file required for a specific service procedure and additionally use a second voice processing function of producing a voice announcement by combining voice words already recorded based on the identified voice guidance file. server. delete delete delete delete The method according to claim 7 or 8, The audio-video synchronizing unit controls the audio processing unit and the image processing unit to simultaneously perform the production of the video announcement and the production of the audio announcement broadcast, and then the audio announcement when the production of the video and the audio announcement broadcast is completed. The video banking service server further has a function of synchronizing a broadcast start time of broadcast with the video announcement. The method of claim 13, The voice-video synchronization unit controls the voice processing unit to transmit the voice announcement broadcast, measures an elapsed time based on a transmission start time, and controls the image processing unit to guide a service screen corresponding to the measured elapsed time. A video banking service server further having a synchronization function for broadcasting.

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