KR100976514B1 - Method for Operating Bank Robot with Electronic Documents Processing Application, Bank Robot, and Recording Medium - Google Patents

Abstract

The present invention relates to a bank robot having an electronic document processing function and a method for operating the bank robot and a recording medium therefor, wherein the bank robot having the electronic document processing function according to the present invention is a financial transaction mode. An operation mode setting unit configured to set the operation mode, a scenario selection unit selecting a financial transaction scenario corresponding to the financial transaction mode when the bank robot operation mode is set to the financial transaction mode, and the bank robot operation mode to the financial transaction mode When set, generating an electronic document including an interface output unit for outputting at least one financial transaction interface according to the selected financial transaction scenario, and information input (or read) through the financial transaction interface according to the financial transaction scenario. Electronic document generation unit and the generated electronic document to the electronic document server on the communication network The transmitter is provided with an electronic document transmission unit.

Electronic document processing, bank robot

Description

Bank Robot and Electronic Documents Processing Method with Electronic Document Processing and Recording Medium therefor {Method for Operating Bank Robot with Electronic Documents Processing Application, Bank Robot, and Recording Medium}

1 is a diagram showing the configuration of a bank robot operation system according to an embodiment of the present invention.

2 is a diagram illustrating a bank robot function configuration for providing a virtual face-to-face transaction at a bank branch according to an embodiment of the present invention.

3 is a diagram illustrating a bank robot initialization process for producing map data for a bank robot operation place according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a process of manufacturing external boundary map data for a closed operation place according to an exemplary embodiment of the present invention.

5 is a diagram illustrating a process of manufacturing external boundary map data for an open operation place according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating a process of manufacturing internal map data for a bank robot operation site according to an exemplary embodiment of the present invention.

7A and 7B illustrate a process in which a bank robot moves to a bank robot operating position on a bank branch according to an embodiment of the present invention.

8A and 8B illustrate a process of setting an operation mode of a bank robot according to an exemplary embodiment of the present invention.

9 is a diagram illustrating an operation mode setting process of a bank robot according to another exemplary embodiment of the present invention.

10 is a diagram illustrating a process of setting an operation mode of a bank robot according to another exemplary embodiment of the present invention.

11 is a diagram illustrating a virtual face-to-face authentication process for financial transactions of a virtual face-to-face transaction method through a bank robot according to an embodiment of the present invention.

12A and 12B illustrate a financial transaction process of a virtual face-to-face transaction method using a bank robot according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating a process of generating an electronic document corresponding to a financial transaction in a virtual face-to-face manner through a bank robot according to an embodiment of the present invention.

14 is a diagram illustrating a virtual face-to-face authentication process for supporting a window transaction through a bank robot according to an embodiment of the present invention.

15 is a diagram illustrating an information input process for supporting a window transaction through a bank robot according to an embodiment of the present invention.

16 is a diagram illustrating an electronic document generation process for supporting a window transaction through a bank robot according to an embodiment of the present invention.

17 is a view showing a virtual face-to-face authentication process for the promotion and subscription processing of financial products of the virtual face-to-face transaction method through a bank robot in accordance with an embodiment of the present invention.

18A and 18B are diagrams illustrating a financial product subscription process of a virtual face-to-face transaction method through a bank robot according to an embodiment of the present invention.

FIG. 19 is a diagram illustrating an electronic document generation process corresponding to a virtual face-to-face financial product subscription through a bank robot according to an embodiment of the present invention.

20 is a diagram illustrating an electronic document processing process according to an embodiment of the present invention.

21 is a diagram illustrating an electronic document processing process according to another embodiment of the present invention.

<Description of main parts of drawing>

100: financial company server 105: electronic document server

110: robot control device 115: window terminal

120: wireless AP 125: wireless communication means

130: card reader device 135: identification card scanning device

140: image input device 145: screen output device

150: Bank Robot

The present invention provides an operation mode setting unit for setting an operation mode of a bank robot to a financial transaction mode, and a scenario selecting unit for selecting a financial transaction scenario corresponding to the financial transaction mode when the bank robot operation mode is set to a financial transaction mode. And, if the bank robot operation mode is set to the financial transaction mode, the interface output unit for outputting at least one financial transaction interface in accordance with the selected financial transaction scenario, and input through the financial transaction interface in accordance with the financial transaction scenario (or It relates to a bank robot having an electronic document processing function comprising an electronic document generating unit for generating an electronic document containing the read information, and an electronic document transmission unit for transmitting the generated electronic document to an electronic document server on a communication network. .

With the continuous development of information and communication technology, various non-face-to-face financial transaction channels such as internet banking, wireless banking, tele banking and home banking have been commercialized, so that financial transaction channels are distributed in various forms. The window further performs functions such as a marketing channel and an external public relations channel in addition to the financial transaction channel function.

Recently, as the competition between banks intensifies, each bank is more inclined to renew the bank image and improve the reliability than ever before, but through the bank window, the customer face-to-face image renewal and reliability improvement method or advertisement using the conventional media In addition to the renewal of the base image and the enhancement of reliability, no other method can be found.

Meanwhile, with the expansion of non-face-to-face financial transaction channels, there is some margin for marketing (or external public relations) through the bank window, The phenomenon of concentration of counter services is not improving at all.

An object of the present invention for solving the above problems is, selecting an operation scenario corresponding to the operation mode of the bank robot, outputting an interface screen according to the operation scenario, and input (or reading) through the interface screen It provides a method for operating a bank robot having an electronic document processing function comprising the step of generating an electronic document containing the information; and transmitting the generated electronic document to the electronic document server on the communication network.

The bank robot having an electronic document processing function according to the present invention includes an operation mode setting unit for setting an operation mode of a bank robot to a financial transaction mode, and when the bank robot operation mode is set to a financial transaction mode, the financial transaction mode. A scenario selection unit for selecting a financial transaction scenario corresponding to the interface, an interface output unit for outputting at least one financial transaction interface according to the selected financial transaction scenario when the bank robot operation mode is set to the financial transaction mode; An electronic document generation unit for generating an electronic document including information input (or read) through the financial transaction interface according to the financial transaction scenario, and an electronic document transmission unit for transmitting the generated electronic document to the electronic document server on the communication network Characterized in that made.

On the other hand, the bank robot with an electronic document processing function according to the present invention, the operation mode setting unit for setting the operation mode of the bank robot to the financial product promotion mode, and when the bank robot operation mode is set to the financial product promotion mode, A scenario selection unit for selecting a financial product promotion scenario corresponding to the financial product promotion mode, and when the bank robot operation mode is set to the financial product promotion mode, at least one of the financial products to be promoted according to the selected financial product promotion scenario An interface output unit for outputting the above financial product subscription interface, an electronic document generation unit for generating an electronic document including information input (or reading) through the financial product subscription interface according to the financial product promotion scenario, and the generated Electronic document transmission unit for transmitting the electronic document to the electronic document server on the communication network Characterized in that W is made.

In the bank robot having an electronic document processing function according to the present invention, the electronic document further comprises details of the financial transaction or financial product subscription.

The bank robot having an electronic document processing function according to the present invention recognizes customer voice data input through a voice input means having a voice recognition function and matches customer utterance prediction information that is matched with a financial transaction (or financial product promotion) object. And output the voice by voicing a model response corresponding to the customer voice data through a voice output means having a voice utterance function, or through a voice output means having a voice utterance function (or financial product). Promote) The customer who utters the induced speech information and outputs the voice, and confirms that the customer voice data input through the voice input means having the voice recognition function includes expected response information matching the target of the financial transaction (or financial product promotion). It is characterized by further comprising a treatment unit.

The bank robot having an electronic document processing function according to the present invention may be provided with at least one of a plurality of customers visiting the bank branches without interfering with the movement of the customers visiting the bank branches equipped with the bank robot through autonomous moving means. Characterized in that the position control further comprises a control to move the position of the bank robot to a position to provide a financial transaction (or financial product promotion).

On the other hand, the bank robot operation method having an electronic document processing function according to the present invention comprises the steps of selecting an operation scenario corresponding to the operation mode of the bank robot, outputting an interface screen according to the operation scenario, and the interface And generating an electronic document including information input (or reading) through a screen and transmitting the generated electronic document to an electronic document server on a communication network.

On the other hand, it includes a computer-readable recording medium recording a program for executing the bank robot operation method having the above-described electronic document processing function.

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 thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. 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, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram showing the configuration of the bank robot 150 operating system according to an embodiment of the present invention.

In more detail, FIG. 1 provides a virtual face-to-face transaction (eg, a virtual face-to-face financial transaction, or a financial product promotion) at a bank branch, but a virtual face-to-face authentication financial transaction (or counter) through the bank robot 150. Bank statement for at least one or more financial transaction request information input (or reading) input for (or supporting), or at least one financial product subscription request information input (or reading) for financial product subscription according to the financial product promotion. (Or Transaction Application) This is about the bank robot 150 operating system configuration for operating the bank robot 150 which generates the electronic document included in the form and provides it to the electronic document storage (or counter terminal 115). Those skilled in the art to which the present invention pertains may refer to, and / or modify, the present Figure 1 to describe various configurations of the bank robot 150 operating system. Would be able to infer when the method, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 1.

Referring to FIG. 1, the bank robot 150 operating system includes a bank robot 150 having a functional configuration of a bank robot 150 illustrated in FIG. 2, a bank robot 150, and a bank robot 150. A wireless AP 120 (or a base station) to which a wireless communication channel is connected through short-range wireless communication, a robot control device 110 for controlling the bank robot 150 through the wireless AP 120, and the robot control device The bank 110 is connected through a financial network (for example, a party network and a CD joint network) to process a financial transaction (or a financial product subscription based on a financial product promotion) corresponding to a virtual face-to-face transaction through the bank robot 150. It characterized in that it comprises a financial system and the financial company server 100.

In addition, the bank robot 150 operating system is characterized in that it further comprises an electronic document server 105 for storing the electronic document generated by the bank robot 150.

In addition, the bank robot 150 operating system is characterized in that it further comprises at least one or more window terminals 115 for processing the window transaction work at the bank branch.

According to another exemplary embodiment of the present invention, the wireless AP 120 may be replaced with a base station on a wide area wireless network including at least one of a CDMA / WCDMA based mobile communication network, an HSDPA based wireless communication network, an IEEE 802.16.x based mobile Internet, and the like. In this case, the bank robot 150 may connect a wireless communication channel with the base station through the wide area wireless network, and the bank robot 150 may be operated using the wide area wireless network. It is obvious that it is included in the method of implementation.

The bank robot 150 has an autonomous movement means in the form of a wheel (or bipedal walking) on a humanoid body, and includes an image recognition device and an identification card scanning device 135 for processing virtual face-to-face authentication. And a screen output device 145, a key input device, a card reader device 130, and an RFID reader device for processing a financial transaction (or financial product promotion) according to the authentication. It characterized in that it comprises a wireless communication means 125 for connecting a wireless communication channel and a wireless AP 120 provided in the bank branch.

Here, the technical features of the bank robot 150 will be described with reference to FIG. 2.

According to an exemplary embodiment of the present invention, when the bank robot 150 processes a financial transaction that can be completed through virtual face-to-face authentication, the operation mode of the bank robot 150 is a financial transaction mode for processing the financial transaction. It is preferable to be set.

Thereafter, when the bank robot 150 processes the financial transaction through the virtual face-to-face authentication, the bank robot 150 receives the financial transaction information input through the key input device and the card reader device for the financial transaction. Bank-specific slips (or transactions) for financial transaction request information including at least one financial information (eg, account information, bankbook information, etc.) read through the 130 and financial-related RFID information read through the RFID reader. Application) to generate an electronic document included in the form to transmit to the robot control device 110 through the financial transaction communication channel, in this case, the robot control device 110 transmits the electronic document on the communication network It is desirable to process the data to be stored and transmitted to the server 105 (e.g., electronic document storage).

According to another exemplary embodiment of the present invention, when the bank robot 150 processes a financial transaction that is difficult to complete through virtual face-to-face authentication, the bank robot 150 operation mode is performed through the window terminal 115. Although the transaction is to be processed, it is preferable that the window terminal 115 is set to an electronic document mode (or a financial transaction mode) for generating an electronic document that supports the rapid processing of the financial transaction.

Thereafter, the bank robot 150 inputs financial transaction information through the key input device to support the window transaction, and receives financial information (eg, account information, bankbook information, etc.) through the card reader device 130. When reading and reading the financial-related RFID information read through the RFID reader device, the bank robot 150 includes a bank transaction slip (or transaction application) that includes at least one input (or reading). It is preferable to generate an electronic document included in the form and transmit the electronic document to the robot control apparatus 110 through a financial transaction communication channel. In this case, the robot control apparatus 110 transmits the electronic document to the window terminal 115. It is desirable to process the financial transaction to be processed, or to be transmitted to and stored in an electronic document server 105 (for example, an electronic document repository) on a communication network. All.

According to another exemplary embodiment of the present invention, when the bank robot 150 promotes at least one financial product, the operation mode of the bank robot 150 is a financial product promotion mode for the financial product promotion and subscription processing. Is preferably set to.

Subsequently, when the bank robot 150 processes the financial product subscription corresponding to the financial product promotion, the bank robot 150 inputs the financial transaction information input through the key input device for the financial product subscription and the card. Bank-specific transactions for financial product subscription request information including at least one financial information (eg, account information, bankbook information, etc.) read through the reader device 130 and financial-related RFID information read through the RFID reader device It is preferable to generate an electronic document included in the application form and transmit the electronic document to the robot control apparatus 110 through a financial transaction communication channel. In this case, the robot control apparatus 110 transmits the electronic document to an electronic document server on a communication network. 105 is preferably processed to be transferred to and stored in the electronic document repository.

According to another exemplary embodiment of the present invention, the electronic document generation function is not provided in the bank robot 150, but may be provided in the robot control apparatus 110. In this case, the bank robot 150 may be financed. Transaction request information, or financial product subscription request information is provided to the robot control apparatus 110, and the robot control apparatus 110 sends the received financial transaction request information or financial product subscription request information for each bank (or It is possible to process the electronic document, which is included in the transaction application form, directly to the electronic document server 105 (e.g., electronic document storage) on the communication network so that the electronic document can be stored and stored, thereby limiting the present invention.

The wireless AP 120 may include a near field communication means including at least one bank robot 150, Bluetooth, Wi-Fi, and UWB (Ultra Wide Band system) provided at the bank branch. A wireless communication channel using an 802.11.x-based wireless LAN protocol is connected, and the robot control for real-time control and monitoring of the bank robot 150 in the robot control apparatus 110 based on the wireless communication channel. A communication channel and a financial transaction communication channel for processing a virtual face-to-face transaction through the bank robot 150 may be connected.

The robot control communication channel periodically checks whether the robot control device 110 is connected to the bank robot 150 based on a wireless communication channel between the bank robot 150 and the wireless AP 120. The bank robot 150 monitoring channel for checking and tracking the current position (or movement path) of the bank robot 150, an operation mode checking channel for confirming an operation mode of the bank robot 150, and the bank robot 150. Operation mode setting channel for setting the operation mode of the remote control, information providing channel for providing the information (or data) necessary for the operation of the bank robot 150 to the bank robot 150, the bank robot 150 The operation scenario verification channel for verifying whether the financial transaction (or financial product promotion) is processed according to the financial transaction scenario (or financial product promotion scenario) corresponding to the operation mode of the bank robot 150 is described. Also preferably it comprises one or more than one.

The bank robot 150 monitoring channel is out of the line of sight of the management staff who manages the bank robot 150 according to the movement characteristic of the bank robot 150 moving autonomously without being fixed as in the conventional CD / ATM. If the bank robot 150 is stolen or manipulated by a hacker while being out of the manager's line of sight, there is always a risk that the banking system may be exposed to the bank robot, so the bank robot is always present. It is preferable to include a communication channel for monitoring the current position (or movement path) of the bank robot 150 in real time to monitor in real time that it is operating normally without being stolen, lost or malfunctioned. The operation state of the bank robot 150 monitored through the monitoring channel is stored in real time in the log information of the bank robot 150 provided in the robot control apparatus 110. To be preferred.

The operation mode confirmation channel, the bank robot 150 and the target customer of the financial transaction (or financial product promotion) dialogue, or the financial transaction (or financial product promotion) of the target customer of the financial transaction (or financial product promotion) target selection Preferably it comprises a communication channel for remotely confirming the operation mode of the bank robot 150 that is automatically set according to, the operation mode of the bank robot 150 confirmed through the operation mode confirmation channel is It is preferable to be stored in real time in the log information of the bank robot 150 provided in the robot control apparatus 110.

The operation mode setting channel includes a communication channel for remotely setting the operation mode of the bank robot 150 to an operation mode for processing a specific financial transaction (or financial product promotion) in the robot control apparatus 110. Preferably, the operation mode of the bank robot 150 set through the operation mode setting channel is preferably stored in real time in the log information of the bank robot 150 provided in the robot control apparatus 110.

The information providing channel includes a communication channel for providing various information (or data) necessary for the bank robot 150 to operate at the bank branch from the robot control apparatus 110 to the bank robot 150. Preferably, the information (or data) provided to the bank robot 150 through the information providing channel is stored in the bank robot 150 log information provided in the robot control apparatus 110 in real time.

In this case, the information (or data) provided to the bank robot 150 through the information providing channel may include operation place map data for the bank branch.

The operation scenario verification channel is automatically set (or remotely set) to an operation mode for processing a specific financial transaction (or financial product promotion) of the bank robot 150, and then the bank robot 150 And a communication channel for verifying whether the financial transaction (or financial product promotion) is properly processed according to the financial transaction scenario (or financial product promotion scenario) corresponding to the operation mode. Scenario verification information of the bank robot 150 to be verified through is preferably stored in real time in the bank robot 150 log information provided in the robot control apparatus 110.

According to an embodiment of the present invention, the operation scenario verification channel performs a specific financial transaction scenario (or financial product promotion scenario) step in the bank robot 150, and then a verification value (or authentication value) for the scenario step. ) Is generated and transmitted to the robot control apparatus 110, the robot control apparatus 110 preferably comprises a communication channel for approving (or authenticating) the verification value (or authentication value), the robot After the control device 110 approves (or authenticates) the verification value (or authentication value), the bank robot 150 preferably performs the following scenario steps.

If the operation scenario is not verified while performing a financial transaction (or financial product promotion scenario) according to a specific financial transaction scenario (or financial product promotion scenario), the robot control apparatus 110 may not perform the financial verification of the operation scenario. It is preferable that the transaction (or financial product promotion) is canceled, and the bank robot 150 also cancels the financial transaction (or financial product promotion) for which the operation scenario is not verified.

In addition, the financial transaction communication channel is a financial transaction requested by the customer for the financial transaction (or financial product promotion) through the bank robot 150 based on the wireless communication channel between the bank robot 150 and the wireless AP 120. (Or financial product subscription), the various information (or data) transmitted and received through the financial transaction communication channel is preferably verified in real time through the operation scenario verification channel of the robot control communication channel.

Those skilled in the art to which the present invention belongs, to process a financial transaction (or financial product subscription) in accordance with the financial transaction (or financial product promotion) procedure defined by the bank that operates the bank robot 150. Since the information (or data) structure to be transmitted and received and the order of transmission and reception thereof may be inferred, a detailed description thereof will be omitted for convenience.

Here, the robot control communication channel and the financial transaction communication channel preferably comprises a channel on the communication protocol provided in the wireless communication channel, and the robot control communication channel and the financial transaction communication channel according to the intention of those skilled in the art It may be provided in the form of a separate communication channel having a separate radio frequency bandwidth, or a separate communication channel having a different communication address, whereby the present invention is not limited.

The robot control apparatus 110 controls the bank robot 150 through the wireless AP 120, and includes a financial network (eg, a branch network, provided in an operation place of the bank robot 150 including the bank branch). A terminal (or server) that processes a financial transaction (or financial product subscription) request from the bank robot 150 in connection with a financial system (or financial company server 100) provided in the bank through a CD common network. It is possible to control and operate a plurality of bank robot 150 provided in the operation place of the bank robot 150, one robot control device 110.

According to the embodiment of the present invention, the robot control apparatus 110 includes operation place map data for an operation place of the bank robot 150 including the bank branch, and provides a current position of the bank robot 150. The bank robot 150 may be stored in association with the operation place map data (or displayed on the operation place map data and output) or when the bank robot 150 moves the operation place of the bank robot 150. It is preferable to store (or display and display on the operation place map data) the movement path of the in association with the operation place map data.

In addition, the robot control apparatus 110, the bank robot 150 location information on the operating location of the bank robot 150, and the bank robot 150 that is automatically set (or remotely set) at the location of the bank robot 150 Preferably, the bank robot 150 log information including at least one operation mode information and at least one operation scenario verification information corresponding to the operation mode of the bank robot 150 is identified and stored through the robot control communication channel. .

In addition, the robot control apparatus 110, the operation mode of the bank robot 150 is automatically set (or remotely set) to the operation mode for processing a specific financial transaction (or financial product promotion), the bank robot ( In operation 150, when the information (or data) for processing the financial transaction (or financial product promotion) is transmitted through the financial transaction communication channel according to the scenario corresponding to the set operation mode, the place where the bank robot 150 is operated A financial transaction (or finance) requested from the bank robot 150 in connection with a financial system (or financial company server 100) provided in the bank through a financial network (eg, a bank network, a CD common network, etc.) provided in the bank. Product subscription request).

According to the exemplary embodiment of the present invention, the robot control apparatus 110 is connected to a banking system (e.g., a banking system provided in the bank through a bank network) of the banking network provided at the operation place of the bank robot 150 ( It is preferable to process the financial transaction (or financial product subscription) request from the 150, in this case, the robot control device 110 of the virtual teller terminal 115 provided in the operating place of the bank robot 150 It is preferable to perform a function, and in this case, the type of financial transaction (or financial product promotion) that can be provided through the bank robot 150 may include all financial transactions (or financial product promotion) that can be provided through the window terminal 115. It is preferable to comprise.

According to another exemplary embodiment of the present invention, the robot control apparatus 110 is linked with the financial company server 100 provided in the bank through a CD common network among the financial networks provided at the operation place of the bank robot 150. It is preferable to process the financial transaction (or financial product subscription) request requested from the bank robot 150 through the financial system, in this case, the robot control device 110 to the operating place of the bank robot 150 It is preferable to perform the function of the provided virtual CD / ATM, and at this time, the types of financial transactions (or financial product promotions) that can be provided through the bank robot 150 are all financial transactions that can be provided through the CD / ATM ( Or financial product promotion).

However, according to the risk of theft according to the autonomous movement characteristic of the bank robot 150, it is preferable to omit a cash withdrawal function among financial transaction types through the bank robot 150.

When generating the electronic document in the robot control apparatus 110 according to another embodiment of the present invention, the robot control device 110 receives the financial transaction request information, or financial product subscription request information from the bank robot 150 The electronic document server 105 (eg, the electronic document) on the communication network is generated by directly generating an electronic document including the received financial transaction request information or financial product subscription request information in a bank slip (or transaction application) form. It is possible to process the data to be transmitted to the storage (store) so that the present invention is not limited thereto.

The financial system is a computerized system provided in a bank to manage at least one financial account opened to a customer and provide at least one financial transaction service based on the financial account, wherein the credit is generated from at least one bank branch. Or an accounting system for processing a window service such as a receiving or trust or foreign exchange, an information system for processing a headquarters business, a branch office information support and customer information management, and the financial system and at least one other financial system (or payment system). Interconnection, or access to the financial system from at least one or more non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.) provided on at least one external communication network, Or at least one common network (eg CD common network, financial common network) And an external system for providing various financial transaction interfaces, and the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and the financial system. A DBMS (DataBase Management System) 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 my component. It is characterized by comprising.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each bank (eg, commercial bank, savings bank, trust bank) in which the financial system is provided and the purpose and characteristics of the financial system. At least one component such as an investment finance module (not shown) and an international module (not shown) may be further included, and a person having ordinary knowledge in the technical field to which the present invention pertains may be included in the financial system. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, whereby the present invention is not limited.

When the robot control apparatus 110 performs the function of the virtual window terminal 115 according to an embodiment of the present invention, the robot control apparatus 110 and the account system provided in the financial system through the network; It is preferable to process a financial transaction (or financial product promotion) corresponding to the operation mode of the bank robot 150 in association with the information system.

According to another exemplary embodiment of the present invention, when the robot control apparatus 110 performs a virtual CD / ATM function, the robot control apparatus 110 is provided with a financial company server 100 provided in the bank through a CD common network. (For example, a CD common network server) and a financial transaction (or financial product promotion) corresponding to an operation mode of the bank robot 150 through an external system of the financial system in connection with the financial institution server 100. It is preferable to process.

2 is a diagram illustrating a functional configuration of a bank robot 200 for providing a virtual face-to-face transaction at a bank branch according to an embodiment of the present invention.

In more detail, FIG. 2 provides a virtual face-to-face virtual financial transaction or a financial product promotion function at a branch of a bank (eg, a branch, a moving branch, etc.), but a virtual face-to-face authentication method through the bank robot 200. At least one financial transaction request information input (or reading) for a financial transaction (or counter transaction support), or at least one financial product subscription request information input (or reading) for subscription to a financial product according to the financial product promotion This is a diagram showing the functional configuration of the bank robot 200 for generating an electronic document including a bank slip (or transaction application) form and providing it to an electronic document storage (or counter terminal). If one of ordinary skill in the art, the bank robot 200 to provide a virtual face-to-face transaction at the bank branch by referring to and / or modifying the present Figure 2 Would be able to infer a variety of exemplary methods for the function configuration, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 2.

Hereinafter, in FIG. 2, a plurality of functional components provided in the bank robot 200 are linked to realize a function of one bank robot 200, but the main controller 205 provided in the bank robot 200 is provided. Not directly controlled by the controller, but operated with a degree of freedom within a predetermined range (for example, the command of the main controller 205 by distributing the information processing function of the main controller 205 provided in the bank robot 200 or the A set of functional components which operate by reading a command of a functional component directly controlled by the main control unit 205) is referred to as a piece of clothing " means ", and controls the means or various kinds of information input and output from the means. The technical features of the bank robot 200 will be described by referring to a function component directly controlled by the main controller 205 provided in the bank robot 200 for convenience.

However, here the naming of the means and wealth is for easily explaining the technical features of the bank robot 200, each functional component included in the means may be directly controlled by the main control unit 205, The present invention is not limited thereby.

The bank robot 200 which provides the virtual face-to-face transaction, serves a customer who visited the bank branch and induces a face-to-face virtual financial transaction or a financial product promotion based on voice utterance and voice recognition. And a voice output means 263 and a voice input means 270. The voice output means 263 and the voice input means 270 are controlled by the voice input means 270. It is characterized in that it comprises a customer response processing unit 220 to read the voice recognition information to check the response status to the customer, and to process the speech information for each response situation to be output through the voice output means 263 and In addition, among the plurality of customers located in front of the bank robot 200, the voice output means 263, the voice input means 270 and the customer response processing unit 220 Is characterized by formed by further comprising image recognition means for recognizing a target customer financial transactions (or instrument PR) 280.

Referring to FIG. 2, in order to serve a customer who visited the bank branch and provide a specific financial transaction (or financial product promotion), the image recognition unit 280 may face (or front) the bank robot 200. A camera unit 283 which controls image input apparatuses 299 located in the unit, and acquires image data for a plurality of customers located in front of the bank robot 200 from the image input apparatus 299; And an image recognizing unit 285 for recognizing image data of the financial transaction (or financial product promotion) target customer from the image data acquired through the camera unit 283.

The image input device 299 positioned on the face (or front) of the bank robot 200 may have the same shooting (or image acquisition) conditions (eg, lens magnification (or refractive index), CCD (Charged Coupled Device) sensitivity, and resolution). , Digital camera (or digital camcorder) device having an auto focus control function based on the number of colors, and the like, and at least two or more image input devices 299 have a predetermined interval (or distance). It is characterized by being away.

According to a preferred embodiment of the present invention, the image input device 299 is preferably provided in the face portion of the bank robot 200, it is preferable to be spaced apart in the left and right directions, such as the left and right eyes of the human.

The camera unit 283 controls the image input apparatus 299 to acquire image data for a plurality of customers located in front of the bank robot 200. The image input apparatus 299 (B) acquiring the captured image data through the &quot;

According to an embodiment of the present invention, the camera unit 283 obtains image data of a plurality of customers whose image input device 299 is located in front of the bank robot 200 and includes the image data in the image data. It is preferable to control a plurality of focus on a plurality of subjects by automatically recognizing a customer's face among the plurality of subjects, and the lens separation distance information of the image input apparatus 299 and the spaced apart of the lens It is preferable to confirm a plurality of focus control information including refractive index information (or magnification information).

In addition, the camera unit 283 controls the photographing direction (Line Of Sight (LOS)) of the image input device 299 in the up and down / left and right direction within a predetermined range, or the image input device 299 is provided Preferably, the bank robot 200 further includes a function of controlling the face of the bank robot 200 in a vertical direction within a predetermined range.

The image recognition unit 285 checks image data acquired from at least two image input devices 299 through the camera unit 283.

In addition, the image recognition unit 285 may calculate a focal length for a plurality of customer faces based on a plurality of focus control information for a plurality of focus corresponding to the obtained image data. The depth value of each customer is calculated based on the plurality of focal lengths.

According to the exemplary embodiment of the present invention, the image recognition unit 285 recognizes the customer having the closest calculated focal length as the target customer of the financial transaction (or financial product promotion), or the calculated depth value for each customer is determined. It is desirable to recognize the smallest customer as the target customer of the financial transaction (or financial product promotion).

Alternatively, the image recognition unit 285 looks at the bank robot 200 through face recognition of the obtained image data (or the image input apparatus 299 and the line of sight (LOS) coincide with each other). It is preferable to recognize a customer who is igniting toward the bank robot 200 (for example, the lips of the customer's face is moving) as the target customer of the financial transaction (or financial product promotion).

When the target customer of the financial transaction (or financial product promotion) is recognized, the image recognition unit 285 reads the target customer image data of the financial transaction (or financial product promotion) among the plurality of customer image data included in the image data. Characterized in that provided to the customer service processor 220.

Referring to FIG. 2, in order to serve a customer who visited the bank branch and provide a specific financial transaction (or financial product promotion), the bank robot 200 outputs a voice to the customer targeted for the financial transaction (or financial product promotion). Storing at least one financial transaction (or financial product promotion) induced utterance information to be linked with a plurality of customer expected response information corresponding to the financial transaction (or financial product promotion) induced utterance information, and outputting the voice output means 263. E) speech data corresponding to any one of financial transaction (or financial product promotion) induced utterance information to induce at least one financial transaction (or financial product promotion) to the financial transaction (or financial product promotion) target customer through Processing to output voice and recognizing the voice input means 270 in response to the financial transaction (or financial product promotion) -induced speech. Provided with a customer-facing processing unit that compares the speech recognition data and said customer information, the customer confirms the expected response to the desired financial transaction (or instrument PR) target information 220 is characterized in that formed.

Here, the at least one financial transaction (or financial product promotion) induced utterance information to be voice output to the financial transaction (or financial product promotion) target customer, and a plurality of corresponding to the financial transaction (or financial product promotion) induced utterance information The customer expected response information may be stored in the memory unit 260 provided in the bank robot 200, and the present invention is not limited by the storage location on the bank robot 200.

The financial transaction (or financial product promotion) induction utterance information, which the bank robot 200 is fired to induce at least one financial transaction (or financial product promotion) to the target customer of the financial transaction (or financial product promotion) As the information, preferably, the customer response speech information and at least one financial transaction (or financial product promotion) induced speech information are sequentially included after the customer response.

The plurality of customer expected response information corresponding to the financial transaction (or financial product promotion) -induced utterance information is spoken to the financial transaction (or financial product promotion) target customer through a mall voice output means 263. Financial product promotion) includes predicted response information that matches the customer voice recognition data that is uttered by the financial transaction (or financial product promotion) target customer in response to the induced speech information and is expected to be recognized by the voice input means 270. It is preferable to make it.

Alternatively, the customer response processing unit 220 is expected to be ignited from the customer of the financial transaction (or financial product promotion) in order to serve the customer who visited the bank branch and provide a specific financial transaction (or financial product promotion). Linking one or more customer utterance prediction information with a plurality of model response speech information for inducing at least one financial transaction (or financial product promotion) to the financial transaction (or financial product promotion) customer in response to the customer ignition prediction information. Store and confirm customer utterance prediction information matched with customer voice recognition data recognized by the financial transaction (or financial product promotion) target customer through the voice input means 270, and associated with the customer utterance prediction information. At least one of a plurality of best-answer speech information to the financial transaction (or financial product promotion) customers Characterized in response to the best response speech information for inducing a financial transaction (or financial product promotion) to the voice output means 263 is characterized in that the processing.

Here, at least one or more customer speech prediction information expected to be uttered by the financial transaction (or financial product promotion) customer, and at least one or more financial statements to the financial transaction (or financial product promotion) customer in response to the customer ignition prediction information. The plurality of best response speech information for inducing a transaction (or financial product promotion) may be stored in the memory unit 260 included in the bank robot 200, and may be stored in a storage location on the bank robot 200. The present invention is not limited.

The customer ignition prediction information is located in front of the bank robot 200, a customer who wants to receive at least one or more financial transactions (or financial product promotion) through the bank robot 200 to the bank robot 200 By uttering, it is preferable to include the expected speech information of the target customer of the financial transaction (or financial product promotion) that is expected to be recognized through the voice input means 270, wherein the customer speech prediction information is at least one customer It is preferable to include query information.

According to an embodiment of the present invention, the customer utterance prediction information preferably includes at least one or more keyword information (eg, financial transaction keyword, financial product keyword, etc.) to be included in the customer query information.

The plurality of best-response speech information for inducing at least one financial transaction (or financial product promotion) to the financial transaction (or financial product promotion) customer in response to the customer speech prediction information may correspond to the customer speech prediction information. As best answer information corresponding to at least one customer inquiry information, the parental answer responds to the customer inquiry, but provides a financial transaction (or financial transaction (or financial product promotion)) that can be provided to the customer through the bank robot 200 (or It is desirable to include information to induce financial product promotion).

Referring to FIG. 2, in order to serve a customer who visited the bank branch and provide a specific financial transaction (or financial product promotion), the voice output means 263 is output to the financial transaction (or financial product promotion) target customer. The speech generator 267 which generates a digital speech voice signal corresponding to at least one speech data to be converted, and converts the digital speech voice signal corresponding to the speech data into an analog speech signal and is provided in the bank bot 200. And a voice output unit 265 for outputting through a voice output device 297 (eg, a speaker). The voice input means 270 is a voice input device provided in the bank robot 200. Receiving an analog voice signal uttered from the customer targeted for the financial transaction (or financial product promotion) through 298, and converting the input analog voice signal into a digital voice. A voice input unit 273 for converting to a call, and converts the analog voice signal into a digital voice signal, selectively amplifies only the voice signal of the customer targeted for the financial transaction (or financial product) from the digital voice signal, and A sound source positioning unit 277 for filtering and erasing, and a voice recognition unit 275 for recognizing the stereotactic digital voice signal and recognizing customer voice recognition data for the customer targeted for the financial transaction (or financial product promotion). Characterized in that made.

When the target customer of the financial transaction (or financial product promotion) is recognized by the image recognition unit 285 according to an exemplary embodiment of the present invention, the customer response processing unit 220 may recognize the recognized financial transaction (or financial product promotion). The customer response utterance information for the customer and at least one or more financial transactions (or financial product promotion) induced utterance information after the customer response are sequentially provided to the utterance generation unit 267.

Customer response utterance information for the financial transaction (or financial product promotion) customer recognized by the customer response processing unit 220 and at least one financial transaction (or financial product promotion) induced speech information after the customer response is sequentially If provided, the speech generation unit 267 may generate a digital speech voice signal corresponding to the speech information.

According to an embodiment of the present invention, the speech generation unit 267 may use the customer response speech information and at least one financial transaction (or financial product promotion) induced speech information after the customer response according to a text to speech (TTS) method. It is preferable to generate a digital spoken speech signal that sequentially speaks.

The voice output unit 267 generates a digital speech voice signal sequentially including the customer response speech information and at least one financial transaction (or financial product promotion) induced speech information after the customer response. The unit 265 may decode the generated digital uttered speech signal, convert the analog speech signal into an analog speech signal, and output the same through an audio output device 297 (eg, a speaker) provided in the bank robot 200. .

After the voice signal including the customer response speech information and at least one financial transaction (or financial product promotion) induced speech information is sequentially output after the customer response, the voice input unit 273 performs the financial transaction (or finance). Product promotion) after being uttered by a target customer, receiving an analog voice signal input through the voice input device 298 provided in the bank robot 200, and encoding the input analog voice signal to Characterized in that the conversion to the audio signal.

When the digital voice signal is encoded through the voice input unit 273, the sound source positioning unit 277 selectively amplifies only the voice signal of the customer targeted for the financial transaction (or financial product promotion) from the digital voice signal. In addition to the voice signal of the customer targeted for the financial transaction (or financial product promotion), the remaining noise is filtered and erased.

If one of ordinary skill in the art to which the present invention pertains, the sound source orientation unit 277 performs various methods of selectively amplifying only the voice signal of the customer targeted for the financial transaction (or financial product promotion) and filtering the remaining noise. It will be possible to infer a method (or algorithm) and the invention is characterized in that it comprises all of the inferred implementation methods.

When the voice signal of the customer targeted for the financial transaction (or financial product promotion) is selectively positioned by the sound source positioning unit 277, the voice recognition unit 275 recognizes the stereotactic digital voice signal and performs the financial transaction ( Or financial product promotion) to recognize customer voice recognition data of a target customer, and provide the recognized customer voice recognition data to the customer service processor 220.

According to the exemplary embodiment of the present invention, the speech recognition unit 275 recognizes the stereotactic digital speech signal according to a pattern recognition (or natural language processing) algorithm, or recognizes the stereoscopic digital speech signal by STT (Speech To Text). It is preferable to process according to the method to recognize the customer voice recognition data for the customer targeted for the financial transaction (or financial product promotion).

Those skilled in the art to which the present invention pertains, the voice recognition unit 275 may be familiar with the technical features for recognizing customer voice recognition data for the target customer of the financial transaction (or financial product promotion). Therefore, detailed description thereof will be omitted for convenience.

When the customer voice recognition data is provided through the voice recognition unit 275, the customer response processing unit 220 recognizes the plurality of customer expected response information associated with the financial transaction (or financial product promotion) induced speech information. And confirming the expected customer response information matched with the recognized customer voice recognition data.

If the customer expected response information matching the recognized customer voice recognition data is confirmed, the customer response processing unit 220 is uttered through the voice output means 263 to the customer response response information to the financial transaction (or financial Product promotion) characterized in that the processing to output the voice to the target customer.

Here, the customer voice recognition data may be matched with customer expected response information requesting (or customer approval) a specific financial transaction (or financial product promotion) corresponding to the financial transaction (or financial product promotion) induced utterance information. In this case, the customer response processor 220 confirms an operation mode of the bank robot 200 for a financial transaction (or financial product promotion) corresponding to the customer voice recognition data (or customer expected response information). It is characterized in that for providing the identified bank robot 200 operation mode information to the main control unit 205.

According to another exemplary embodiment of the present invention, when the target customer of the financial transaction (or financial product promotion) is recognized by the image recognition unit 285, the customer response processing unit 220 performs the financial transaction (or financial product promotion). Characterized by the target customer is confirmed through the voice input means 270 to confirm the customer utterance prediction information matching the customer voice recognition data input, orientated and recognized.

If the customer utterance prediction information matching the customer voice recognition data is confirmed, the customer response processing unit 220 is the financial transaction (or financial product promotion) customer of the plurality of best response speech information associated with the customer utterance prediction information Identifying specific exemplary response speech information for inducing at least one financial transaction (or financial product promotion) to the user, and processing the identified exemplary response speech information to be output through the voice output means 263. do.

Here, the customer voice recognition data may be a request for a specific financial transaction (or financial product promotion) to the bank robot 200 by the target customer of the financial transaction (or financial product promotion) among the customer ignition prediction information (or customer approval). It is possible to match with the customer utterance prediction information, in this case, the customer response processing unit 220 is the bank for providing a financial transaction (or financial product promotion) corresponding to the customer voice recognition data (or customer utterance prediction information) Characterized in that the operation mode of the robot 200 is characterized in that the bank robot 200 operation mode information is characterized in that it is provided to the main control unit 205.

The bank robot 200 that provides the virtual face-to-face transaction may perform at least one financial transaction (or financial product promotion) with at least one customer who visited the bank robot 200 at the bank branch within the bank branch. It is characterized in that it comprises an autonomous movement means 290 for moving to the bank robot 200 operating position determined to provide, and controls the autonomous movement means 290, the bank branch operating the bank robot 200 When the operating position of the bank robot 200 is determined within the bank robot 200, the bank robot (at the current position of the bank robot 200 based on the operation place map data for the bank branch and the copper wire control data on the operation place map data) And a position control unit 243 for setting the movement route information to be moved to the operation position. Image recognition means 280 for detecting an obstacle on a moving path for moving to the operation position of the bank robot 200 or for detecting an obstacle avoiding position on the bank point for re-navigating the obstacle avoiding path. Characterized in that further comprises.

Referring to FIG. 2, in order to move the position of the bank robot 200 to the operation position of the bank robot 200 provided in the bank branch, the image recognition means 280 is the face of the bank robot 200. (Or front) controls an image input apparatus 299 located in the front portion, and moves through the autonomous movement means 290 from the current position of the bank robot 200 through the image input apparatus 299 A camera unit 283 for acquiring image data of the camera, a camera unit 283 for acquiring image data of a plurality of customers located, and an obstacle on the moving path from the image data acquired through the camera unit 283. And an image recognition unit 285 for recognizing an element (eg, a customer or an object).

The image input device 299 positioned on the face (or front) of the bank robot 200 may have the same shooting (or image acquisition) conditions (eg, lens magnification (or refractive index), CCD (Charged Coupled Device) sensitivity, and resolution). , Digital camera (or digital camcorder) device having an auto focus control function based on the number of colors, etc.), and at least two or more image input devices 299 provide a predetermined interval (or distance). Characterized in that it is left apart.

According to a preferred embodiment of the present invention, the image input device 299 is preferably provided in the face portion of the bank robot 200, it is preferable to be spaced apart in the left and right directions, such as the left and right eyes of the human.

The camera unit 283 controls the image input apparatus 299 to acquire image data for a plurality of customers located in front of the bank robot 200. The image input apparatus 299 (B) acquiring the captured image data through the &quot;

According to the exemplary embodiment of the present invention, the camera unit 283 controls the photographing direction (Line Of Sight; LOS) of the image input device 299 in the up / down / left / right directions within a predetermined range. Alternatively, by controlling the face of the bank robot 200 provided with the image input device 299 in the up / down / left and right directions within a predetermined range, the current state of the bank robot 200 is controlled through the image input device 299. At least one subject (eg, to obtain image data of a movement path to be moved through the autonomous movement means 290 at a position) and obstruct the movement of the bank robot 200 on the movement path included in the image data. , Customers, or objects) is desirable.

If the movement path includes N (N> = 1) direction turning points, at least one object that obstructs movement of the bank robot 200 on the movement path to the first direction turning point on the movement path ( For example, it is preferable to check whether the customer or the object is located, and then the checking process is preferably repeated from the second turning point to the Nth turning point.

According to an embodiment of the present invention, on the movement path of the bank robot 200 (or when the movement path includes at least one or more turning points, from the current position of the bank robot 200 to the next turning point) When at least one object (eg, a customer or an object) that obstructs the movement of the bank robot 200 does not exist, the camera unit 283 is located in the movement path at the current position of the bank robot 200. It is preferable to control the focus of the image input apparatus 299 with respect to the operation position of the bank robot 200 (or the next turning point at the current position of the bank robot 200), and the image input apparatus 299 in the focus control process. It is preferable to check a plurality of focus control information including lens separation distance information of the ()) and refractive index information (or magnification information) of the spaced apart lens.

According to another exemplary embodiment of the present invention, when the movement path includes at least one direction turning point (or when the movement path includes at least one direction turning point) from the current position of the bank robot 200 to the next direction turning point When there is at least one subject (eg, a customer or an object) that obstructs the movement of the bank robot 200, the camera unit 283 may capture a line of sight of the image input apparatus 299. The LOS) in the up / down / left / right directions within a predetermined range, or by controlling the face of the bank robot 200 provided with the image input device 299 in the up / down / left / right directions within a predetermined range, Device 299 to obtain image data for a location (or space) in which there is no obstacle between the operating position of the bank robot 200 at the current position of the bank robot 200, It is preferable to control the focus of the image input apparatus 299 with respect to a position (or space) in which the obstacle element does not exist in the current position of the bank robot 200, and the lens of the image input apparatus 299 in the focus control process. It is preferable to confirm the plurality of focus control information including the separation distance information and the refractive index information (or magnification information) of the spaced apart lens.

The image recognition unit 285 checks image data acquired from at least two image input devices 299 through the camera unit 283.

According to an exemplary embodiment of the present invention, when at least one object (eg, a customer or an object) that prevents the movement of the bank robot 200 does not exist in the acquired image data, the image recognition unit 285 is provided. The focus control information corresponding to the acquired image data (for example, lens separation distance information and refractive index information (or magnification information) of the spaced apart lens) is obtained according to the movement path at the current position of the bank robot 200. It is preferable to calculate the focal length from the operation position of the bank robot 200 (or the current direction of the bank robot 200 to the next turning point).

According to another exemplary embodiment of the present invention, when there is at least one subject (eg, a customer or an object) in the acquired image data that obstructs the movement of the bank robot 200, the image recognition unit 285 is provided. The obstacle control information (eg, lens separation distance information and refractive index information (or magnification information) of the spaced apart lens) corresponding to the acquired image data does not exist at the current position of the bank robot 200. It is desirable to calculate the focal length to a position (or space) that is not.

According to the method of the present invention, while moving the position of the bank robot 200 to the operation position of the bank robot 200 provided in the bank branch, the image data for the movement path in the image recognition means 280 Acquiring a step of determining whether there is at least one subject (for example, a customer or an object) in the image data to prevent movement of the bank robot 200, if the image data of the bank robot 200 If at least one object (for example, a customer or an object) that obstructs movement does not exist, a bank according to the movement path at the current position of the bank robot 200 based on focus control information on the acquired image data. Calculating a focal length from the robot 200 to an operating position (or from the current position of the bank robot 200 to the next turning point), or banging on the image data When there is at least one subject (eg, a customer or an object) that interferes with the movement of the crobot 200, the image data for the location (or space) where the obstacle is not present is obtained, and the acquired It is preferable to periodically repeat a process of calculating a focal length from a current position of the bank robot 200 to a position (or a space) where no obstacle is present based on the focus control information on the image data. Is preferably inversely proportional to the moving speed of the bank robot 200.

Referring to FIG. 2, in order to move the position of the bank robot 200 to the operation position of the bank robot 200 provided in the bank branch, the autonomous movement means 290 is moved on the movement path. When at least one object (eg, a customer or an object) that prevents the movement of the 200 does not exist, the focus control information corresponding to the image data obtained through the image recognition means 280 and the image input apparatus. The moving distance from the current position of the bank robot 200 to the operation position of the bank robot 200 according to the movement path (or the next turning point from the current position of the bank robot 200) based on the distance between the two robots. Computing or acquiring through the image recognition means 280 when at least one subject (eg, a customer or an object) exists on the movement path that obstructs the movement of the bank robot 200. Calculating a moving distance from a current position of the bank robot 200 to a position (or space) where the obstacle is not present, based on the distance between the focus control information corresponding to the generated image data and the image input apparatus 299. It is characterized by comprising a distance calculation unit 291.

According to an exemplary embodiment of the present invention, when at least one object (for example, a customer or an object) that obstructs the movement of the bank robot 200 does not exist on the movement path, the distance calculator 291 is Based on the focus control information corresponding to the image data obtained through the image recognition means 280 and the distance between the image input apparatus 299 and the distance from the current position of the bank robot 200 according to a triangulation method, It is preferable to calculate the moving distance from the operation position of the bank robot 200 (or the current direction of the bank robot 200 to the next turning point).

According to another exemplary embodiment of the present invention, when there is at least one subject (eg, a customer or an object) that obstructs the movement of the bank robot 200 on the movement path, the distance calculator 291 is Based on the focus control information corresponding to the image data obtained through the image recognition means 280 and the distance between the image input device 299, the obstacle element is located at the current position of the bank robot 200 according to a triangulation method. It is desirable to calculate the travel distance to a location (or space) that does not exist.

Referring to FIG. 2, in order to move the position of the bank robot 200 to the operation position of the bank robot 200 provided in the bank branch, the autonomous movement means 290 operates the bank robot 200. Location is determined, the movement path information to move from the current position of the bank robot 200 to the operating position of the bank robot 200 based on the operation place map data corresponding to the bank branch in which the bank robot 200 is operated When is set, the image recognition means 280 checks whether there is an obstacle on the moving path, and operates the bank robot 200 at the current position of the bank robot 200 according to the obstacle. It is characterized by comprising a movement plan setting unit 292 for setting a movement plan to move to a position.

The operation position of the bank robot 200 is one of a plurality of financial transaction scenarios or financial product promotion scenarios stored in the memory unit 260 by the position controller 243 provided in the bank robot 200. Based on the scenario information corresponding to the operation mode of 200, it is preferable to automatically determine a location to be performed by optimizing a financial transaction (or financial product promotion) according to the financial transaction (or financial product promotion) scenario in the bank branch. The movement path information from the current position of the bank robot 200 to the operation position of the bank robot 200 is automatically set to the shortest path in theory based on the operation place map data and the copper line control data for the bank branch. It is preferable.

When the movement route information is set from the current position of the bank robot 200 to the operation position of the bank robot 200 based on the operation place map data and the moving line control data, the movement plan setting unit 292 may display the image. Processing to acquire image data on the moving path in association with the recognition means 280, and processing to check whether an obstacle (eg, a customer or an object) exists on the moving path based on the obtained image data. Characterized in that.

If it is determined that there are obstacles on the movement path, the movement plan setting unit 292 is configured to acquire image data for a position where the obstacles do not exist in association with the image recognition means 280. The bank robot 200 reconfigures a new moving path to actually move based on the acquired image data.

Alternatively, when it is determined that there are obstacles on the movement path, the movement plan setting unit 292 may transfer the movement path information generated based on the operation place map data and the copper line control data, to the bank robot 200. It is characterized by setting the actual movement route to actually move.

As described above, when a new (or actual) movement path to which the bank robot 200 actually moves is set, the movement plan setting unit 292 may select among N (N> = 1) direction turning points included in the movement path. The movement plan information from the current position to the first turning point (or the operating position of the bank robot 200 when the turning point does not exist in the movement path) is established.

Here, the movement plan information includes direction change information and movement for moving from the current position of the bank robot 200 to the first direction turning point (or the operating position of the bank robot 200 when the direction turning point does not exist in the movement path). It is preferable to include the speed information.

If the bank robot 200 is located at the nth (1 <= n <= N) direction turning point among the N (N> = 1) direction turning points included in the movement path, the movement plan setting unit ( 292 is characterized in that to establish the movement plan information from the n-th direction turning point to the (n + 1) th direction turning point (or the operating position of the bank robot 200).

Here, the movement plan information includes direction change information and movement speed information for moving from the nth direction turning point of the bank robot 200 to the (n + 1) th direction turning point (or the operating position of the bank robot 200). It is preferable to make it.

Referring to FIG. 2, in order to move the position of the bank robot 200 to the operation position of the bank robot 200 provided in the bank branch, the autonomous movement means 290 is a lower end of the bank robot 200. Read the movement plan information set by the movement mechanism part 295 and the movement plan setting part 292 including the at least 3 or more wheels provided in the motor, and the motor part (not shown) which drives the said wheel, The bank robot 200 which is redirected according to the direction change command for changing the direction of the bank robot 200 according to the direction change information included in the movement plan information and the movement speed information included in the movement plan information. And a moving control unit 293 and 293 for generating a moving command for moving the position of the moving unit, and a moving control unit 294 for controlling the moving mechanism unit 295 according to the direction change command and the moving command. And that is characterized.

The moving mechanism unit 295 is provided at the bottom of the bank robot 200, at least three or more wheels for stably moving the bank robot 200 on a flat surface, and a motor unit for driving the wheels (not shown) It is characterized by comprising a).

According to one embodiment of the invention, the movement mechanism 295 is a direction change unit for processing to switch the direction of the bank robot 200 within a predetermined rotation radius by rotating at least one or more wheels of the three or more wheels It is preferable to further comprise (not shown).

According to another exemplary embodiment of the present invention, the moving mechanism part 295 controls the rotational speed (or rotation direction) of at least two or more kinds of wheels among the three or more wheels differently so that the moving mechanism part 295 is in the stationary state (or moving). It is preferable to further include a direction switching unit (not shown) for processing to change the direction of the bank robot 200.

According to another exemplary embodiment of the present invention, the moving mechanism part 295 may be provided with a biped walking mechanism part (not shown) in addition to the wheel, the motor part (not shown), and the direction changing part, and the present invention is not limited thereto. No.

When the movement plan information is set by the movement plan setting unit 292, the movement instructing units 293 and 293 change directions to change the movement direction of the bank robot 200 according to the movement plan information set. Generate a command and provide the command to the movement control unit 294. In response, the movement control unit 294 provides a power characteristic (or a circuit signal) provided from the power supply unit (not shown) to the movement mechanism unit 295. ) To change the direction of the bank robot 200 to a direction corresponding to the direction change command.

In addition, the movement instructing unit 293 and 293 generates a movement command for moving the bank robot 200 at a constant movement speed in a stationary state according to the set movement plan information, and provides the movement command to the movement control unit 294. In response, the movement control unit 294 controls the power characteristic (or a circuit signal) provided from the power supply unit (not shown) to the movement mechanism unit 295 so that the bank robot 200 moves. It is characterized by controlling.

Referring to FIG. 2, in order to move the position of the bank robot 200 to the operation position of the bank robot 200 provided in the bank branch, the bank robot 200 is operated by the bank robot 200. Store location map data for the bank branch, and the copper wire control data that can move the bank robot 200 on the operation site map data, and the bank robot (Samsung) of the plurality of scenario information stored in the memory unit 260 When the operation position of the bank robot 200 corresponding to the scenario information corresponding to the operation mode of the operation 200 is determined, the bank robot 200 is moved from the current position to the bank robot 200 through the operation place map data and the copper wire control data. It is characterized in that it comprises a position control unit 243 for generating the movement path information for moving to the operating position to provide to the autonomous movement means 290.

The bank robot 200 includes operation place map data for a bank branch on which the bank robot 200 is operated and copper wire control data to which the bank robot 200 can move on the operation site map data. The memory unit 260 may be stored, and the present invention is not limited by the storage location on the bank robot 200.

The operation place map data may include two-dimensional map data or three-dimensional map data for a bank branch in which the bank robot 200 is operated.

According to an embodiment of the present invention, the operation place map data is surrounded by a wall, such as a bank branch, and preferably comprises at least one type of closed map data is provided, the coordinates on the operation place map data The reference interval is preferably one-to-one matching (or proportional) with the actual reference interval of the bank robot 200.

For example, when the operation place map data includes a bank branch, the map data may include at least one desk / chair, a customer chair, an air conditioner, a slip table, a CD / ATM, or the like used by a teller. (Fixed Object) and the at least two fixed object distance is smaller than the width of the bank robot 200, it is preferable that the bank robot 200 includes a shadow object (Shadow Object) that can not pass through.

According to another exemplary embodiment of the present invention, the operation place map data may include open map data having no structure defining a map area within a predetermined range, such as a public place.

For example, when the operation place map data includes a park, the stationary object includes at least one or more park chairs, trees, rides, flower beds, etc. on the map data, and the road is not included in the stationary object. Quasi-fixed objects that are not accessible to the bank robot 200, such as a pond, and at least two or more fixed objects (or quasi-fixed objects), are smaller than the width of the bank robot 200, so that the bank robot 200 It is preferable to include a shadow object that cannot pass, and the coordinate reference interval on the operation place map data is preferably one-to-one matching (or proportional) with the measured reference interval of the bank robot 200.

According to the exemplary embodiment of the present invention, the operation place map data may include the current location information of the bank robot 200 including coordinate values of the current location of the bank robot 200 at the bank branch. The current location information of the bank robot 200 may be updated in real time (or periodically) according to the position movement of the bank robot 200.

The copper wire control data includes copper wire information (eg, vector information) that the bank robot 200 can move to avoid the fixed object, the quasi fixed object, and the shadow object on the operation place map data, and to move along the copper line. It is preferable that the bank robot 200 includes rotation angle information that should be rotated in a predetermined direction to change directions at each turning point.

According to an embodiment of the present invention, the copper wire control data may further include customer copper data that the customer moves from the bank branch, in which case the operation position of the bank robot 200 is located on the customer copper line. It is desirable to be set not to (or not interfere with the customer's movement).

The scenario information corresponding to the operation mode of the bank robot 200 is selected from a plurality of scenario information stored in the memory unit 260 included in the bank robot 200, and the bank robot 200 included in the scenario information is included. When the operation position is confirmed, the position control unit 243 is the copper wire information connecting the current position of the bank robot 200 and the operation position information of the bank robot 200 on the operation place map data and each direction change point of the copper line. Check the copper wire control data including the rotation angle information for, and generate the movement path information for moving the bank robot 200 from the current position to the operating position of the bank robot 200 based on the copper wire control data. Characterized in that.

According to an exemplary embodiment of the present invention, the movement path information may include a vector value from the current position of the bank robot 200 to the operation position of the bank robot 200.

According to another exemplary embodiment of the present invention, the movement path information may include two-dimensional (or three-dimensional) coordinate values from the current position of the bank robot 200 to the operation position of the bank robot 200. Do.

Thereafter, the position controller 243 provides the generated movement path information to the autonomous movement means 290, whereby the autonomous movement means 290 moves to the operation position of the bank robot 200 along the movement path. It characterized in that the control to.

The bank robot 200 that provides the virtual face-to-face transaction is an image for recognizing face image data of the customer targeted for the financial transaction (or financial product promotion) to process the virtual face-to-face authentication of the customer who visited the bank branch. And a face recognition unit 287 for acquiring face recognition data of the customer targeted for the financial transaction (or financial product promotion) from the face image data.

Referring to FIG. 2, in order to process a virtual face-to-face authentication of a customer who visited the bank branch, the image recognition unit 280 is an image input device located on the face (or front) of the bank robot 200. (299) and the face image data of the target customer of the financial transaction (or financial product promotion) that is being received by the customer response processing unit 220 from the image input device 299 in front of the bank robot 200 A face to the customer targeted for the financial transaction (or financial product) from the image data of the camera unit 283 for acquiring an image and the customer targeted for the financial transaction (or financial product) acquired through the camera unit 283 An image recognition unit 285 for recognizing image data is provided.

The image input device 299 positioned on the face (or front) of the bank robot 200 may have the same shooting (or image acquisition) conditions (eg, lens magnification (or refractive index), CCD (Charged Coupled Device) sensitivity, and resolution). , Digital camera (or digital camcorder) device having an auto focus control function based on the number of colors, and the like, and at least two or more image input devices 299 have a predetermined interval (or distance). It is characterized by being away.

According to a preferred embodiment of the present invention, the image input device 299 is preferably provided in the face portion of the bank robot 200, it is preferable to be spaced apart in the left and right directions, such as the left and right eyes of the human.

The camera unit 283 is a financial transaction (or financial product promotion) in which the image input device 299 is received by the customer response processing unit 220 in front of the bank robot 200 of the bank robot 200. Controlling facial image data of a target customer, and acquiring facial image data of a financial transaction (or financial product promotion) target customer photographed through the image input device 299. .

According to an exemplary embodiment of the present invention, the camera unit 283 may be configured to display facial image data of a target customer of a financial transaction (or financial product promotion) in which the image input device 299 is located in front of the bank robot 200. It is preferable to control the focal point, and to check a plurality of focus control information including lens separation distance information of the image input device 299 and refractive index information (or magnification information) of the spaced apart lens in the focus control process. It is preferable.

In addition, the camera unit 283 controls the photographing direction (Line Of Sight (LOS)) of the image input device 299 in the up and down / left and right direction within a predetermined range, or the image input device 299 is provided Preferably, the bank robot 200 further includes a function of controlling the face of the bank robot 200 in a vertical direction within a predetermined range.

The image recognition unit 285 checks image data acquired from at least two image input devices 299 through the camera unit 283.

The image recognition unit 285 may calculate a focal length of the facial image data based on focus control information corresponding to the facial image data of the obtained financial transaction (or financial product promotion) target customer. And generating three-dimensional image data of facial image data of the customer targeted for the financial transaction (or financial product promotion) based on the calculated focal length.

According to the exemplary embodiment of the present invention, the image recognition unit 285 generates three-dimensional image data of the face image data, so that the customer targeted for the financial transaction (or financial product promotion) maliciously steals the face image data ( For example, theft of another person's face image data using a photograph or a mask on the face can be prevented.

Referring to FIG. 2, in order to process a virtual face-to-face authentication of a customer who visited the bank branch, the bank robot 200 includes eyes included in facial image data of the customer who is the financial transaction (or financial product promotion) target customer. And a face recognition unit 287 for recognizing face recognition data including relative position, shape, and direction data of a nose, a mouth, and an ear.

The face recognition unit 287 recognizes a face object such as an eye, a nose, a mouth, and an ear included in face image data of a customer targeted for a financial transaction (or a financial product) recognized through the image recognition unit 280. Relative position data of the recognized eye, nose, mouth, ear, shape (or shape) data of the recognized eye, nose, mouth, ear, and the like; Characterized by the direction data of the.

Those skilled in the art to which the present invention pertains, the face recognition unit 287 is the relative position of the eyes, nose, mouth, ear included in the face image data of the customer targeted for the financial transaction (or financial product promotion) Since it will be familiar with technical features for recognizing facial recognition data including shape and direction data, a detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the bank robot 200 that provides a virtual face-to-face transaction to a financial transaction (or financial product promotion) target customer includes a robot control device (or system) and Bluetooth (BlueTooth) provided at the bank branch. And a short range communication means including at least one Wi-Fi, a UWB (Ultra Wide Band system), and a wireless communication unit 245 connecting a wireless communication channel using an IEEE 802.11.x based wireless LAN protocol. Characterized in that made.

The wireless communication unit 245 is a wireless AP (Access Point), or a base station and Bluetooth (BlueTooth), Wi-Fi (Wi-Fi), UWB (Ultra Wide) connected to the robot control device (or system) provided in the bank branch by wire A short-range communication means including at least one band system and a wireless communication channel using an IEEE 802.11.x-based wireless LAN protocol, and is provided at the bank branch through the wireless AP (or base station). It is characterized by connecting a communication channel for robot control device (or system) and robot control and financial transactions (or financial product promotion).

Here, in the wireless communication channel connected between the wireless communication unit 245 and the robot control apparatus (or system), traffic data transmitted and received between the bank robot 200 and the robot control apparatus (or system) is exposed to the outside, Or a high-level secure communication channel for blocking any short-range communication device from accessing the financial transaction communication channel, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. By referring to and / or modified to be familiar with the technical features of the high-level secure communication channel between the bank robot 200 and the robot control device (or system), a detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the wireless communication unit 245 uses a robot control device (or system) provided at the bank branch and a robot control communication channel for controlling the bank robot 200 through the wireless communication channel. It is preferable to connect.

According to another exemplary embodiment of the present invention, the wireless communication unit 245 connects the robot control device (or system) and the financial transaction communication channel through the wireless communication channel, and relays the robot control device (or system). It is preferable to connect to a financial network (eg, party network, CD common network, etc.) through.

When the financial transaction communication channel is connected between the wireless communication unit 245 and the robot control apparatus (or system), the robot control apparatus (or system) is connected to the bank robot 200 through the robot control communication channel. Verify whether at least one financial transaction made through the bank robot 200 is performed according to a predetermined financial transaction scenario based on a financial transaction communication channel, or at least one financial product promotion made through the bank robot 200 It is desirable to verify whether the financial product promotion scenario is performed according to a preset financial product promotion scenario.

If the financial transaction communication channel is connected between the wireless communication unit 245 and the robot control device (or system), and the financial transaction (or financial product promotion) made through the bank robot 200 is set according to a preset scenario. When the robot control device (or system) is normally performed, the robot control device (or system) performs a function of a virtual teller terminal from the viewpoint of a financial system provided in a bank that operates the bank robot 200, or It is desirable to perform a virtual CD / ATM function.

According to the exemplary embodiment of the present invention, the wireless communication unit 245 has a function of periodically checking signal strength of a radio frequency signal connecting the wireless communication channel and the wireless AP provided in the robot control apparatus (or system). It is preferably included, and if the signal strength is smaller than a predetermined reference value, it is preferable to notify the main control unit 205.

At this time, the position control unit 243 is connected to the autonomous movement means 290 to move the position of the bank robot 200 closer to the position closer to the wireless AP provided in the robot control apparatus (or system). Control or move to a location where there are no fixed objects (eg, metal structures) that interfere with radio frequency transmission and reception between the wireless AP and the bank bot 200.

Referring to FIG. 2, the bank robot 200 that provides a virtual face-to-face transaction to a target customer of the financial transaction (or financial product promotion) may have an operation mode of the bank robot 200 through the bank robot 200. When the bank is set to a specific operation mode corresponding to the financial transaction (or financial product promotion) that can be provided, the bank is linked with the memory unit 260 including the financial transaction scenario (or financial product promotion scenario) information corresponding to the operation mode. The screen output device included in the robot 200 is a screen for processing to output at least one financial transaction interface (or financial product promotion interface) screen associated with the financial transaction scenario (or financial product promotion scenario) information according to the scenario. A financial transaction interface (or financial product) corresponding to an operation mode of the bank robot 200 through the output unit 247 and the screen output unit 247. Promotional interface) When the screen output, characterized in that it comprises a key input unit 250 for processing to input at least one or more financial transaction information (or financial product subscription information) through the user interface included in the interface screen.

According to an exemplary embodiment of the present invention, the operation mode of the bank robot 200 is associated with the voice output means 263, the voice input means 270, and the image recognition means 280 in the customer response processor 220. Thus, among a plurality of customers located in front of the bank robot 200, a customer-facing conversation with a target customer of a specific financial transaction (or financial product promotion) (eg, the ignition of the bank robot 200 and the corresponding financial transaction (or financial product) Public relations), or analysis of customer responses, or ignition analysis of financial transactions (or financial product promotions).

According to another exemplary embodiment of the present invention, the operation mode of the bank robot 200 outputs at least one financial transaction (or financial product promotion) selection interface through the screen output unit 247, and the financial transaction ( Alternatively, it may be manually set to an operation mode corresponding to a financial transaction (or financial product promotion) selected through the key input unit 250 in response to the financial product promotion) selection interface.

According to another exemplary embodiment of the present invention, the operation mode of the bank robot 200 is configured to receive the operation mode setting information from the robot control apparatus (or the system) through the wireless communication unit 245 to set the operation mode. It is preferable to automatically set the operation mode corresponding to the information.

When the operation mode of the bank robot 200 is set to a specific operation mode corresponding to a financial transaction (or financial product promotion) that can be provided through the bank robot 200 through any one of the above-described implementation methods, the screen The output unit 247 is linked to the memory unit 260 including the financial transaction scenario (or financial product promotion scenario) information corresponding to the operation mode, the predetermined financial transaction scenario (or financial product promotion) corresponding to the operation mode. Scenario) information, and the first financing of the plurality of financial transaction interfaces (or financial product promotion interface) associated with the identified financial transaction scenario (or financial product promotion scenario) information in association with the memory unit 260. Check the transaction interface (or financial product promotion interface) screen and check the identified first financial transaction interface (or financial product promotion interface). Device) and a display wherein the processing so as to output to the display output device provided in the bank robot 200.

Subsequently, when first financial transaction information (or financial product subscription information) corresponding to the first financial transaction interface (or financial product promotion interface) screen is input through the key input unit 250, the screen output unit 247. Check the M (M = 2, 3, ...) financial transaction interface (or financial product promotion interface) screen in connection with the memory unit 260 according to the financial transaction scenario (or financial product promotion scenario) information. And outputting the identified M (M = 2,3, ...) financial transaction interface (or financial product promotion interface) screen to a screen output device provided in the bank robot 200. do.

The key input unit 250 is a screen output device provided in the bank robot 200 through the screen output unit 247. The m (1 <= m <= M) financial transaction interface (or financial product promotion interface) is provided. When the screen is output, the m th (1 <= m <) is input through a key input device (for example, a touch pad input device, a keypad, or a keyboard associated with the screen output device) provided in the bank robot 200. = M) processing to input the m (1 <= m <= M) financial transaction information (or financial product subscription information) corresponding to the financial transaction interface (or financial product promotion interface) screen.

Referring to FIG. 2, the bank robot 200 that provides a virtual face-to-face transaction to the financial transaction (or financial product promotion) target customer includes a card (or a bankbook) held by the financial transaction (or financial product promotion) target customer. And a card reader unit 253 for reading financial information (eg, account information, bankbook information, etc.) from an MS (Magnetic Stripe) or IC (Integrated Circuit) chip.

M (1 <= m <= M according to scenario information for a financial transaction (or financial product promotion) corresponding to an operation mode of the bank robot 200 through the screen output unit 247). A financial transaction interface (or financial product promotion interface) screen is output, and the financial transaction (or financial product promotion) object is displayed on the m (1 <= m <= M) financial transaction interface (or financial product promotion interface) screen. When the customer interface includes a user interface for requesting reading of financial information from the MS or IC chip included in the card (or bank account), the card reader unit 253 is subject to the financial transaction (or financial product promotion). Financial information (for example, account information) for processing a financial transaction (or financial product promotion) corresponding to an operation mode of the bank robot 200 from an MS or IC chip included in a card (or bank account) possessed by a customer. , Account information It is characterized by reading).

If one of ordinary skill in the art to which the present invention belongs, the card reader unit 253 is placed on the card (or bank account) held by the customer subjected to the financial transaction (or financial product promotion) according to ISO / IEC 7810 standard. Technical features for reading the financial information from the provided MS, or on a card (or bank account) held by a customer subject to the financial transaction (or financial product promotion) according to ISO / IEC 7816 standard (or ICO / IEC 14443 standard). It will be familiar with the technical features of reading the financial information from the integrated IC chip, a detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the bank robot 200 that provides a virtual face-to-face transaction to the financial transaction (or financial product promotion) target customer includes a card (or a bankbook) held by the financial transaction (or financial product promotion) target customer. And an RFID reader unit 255 for reading financial-related RFID information from an RFID tag.

M (1 <= m <= M according to scenario information for a financial transaction (or financial product promotion) corresponding to an operation mode of the bank robot 200 through the screen output unit 247). A financial transaction interface (or financial product promotion interface) screen is output, and the financial transaction (or financial product promotion) object is displayed on the m (1 <= m <= M) financial transaction interface (or financial product promotion interface) screen. If the user interface for requesting to read the financial-related RFID information from the RFID (Radio Frequency Identification) tag provided on the card (or bank account) that the customer possesses, the RFID reader unit 255 is an ISO / IEC 18000 series standard. According to any one of the standards characterized in that to read the financial-related RFID information from the RFID tag existing in the radio frequency range of the RFID reader unit 255.

If the person having ordinary knowledge in the technical field to which the present invention belongs, the RFID reader unit 255 is a card (or bank account) possessed by the target customer of the financial transaction (or financial product promotion) according to the ISO / IEC 18000 series standard. Since it will be familiar with the technical features of reading the financial-related RFID information from the RFID tag provided in the detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the bank robot 200 that provides a virtual face-to-face transaction to a financial transaction (or financial product promotion) target customer may have an identification card (eg, Resident identification card, driver's license, etc.) characterized in that the identification card scanning unit 257 for obtaining the identification image content by scanning the front / back.

M (1 <= m <= M according to scenario information for a financial transaction (or financial product promotion) corresponding to an operation mode of the bank robot 200 through the screen output unit 247). A financial transaction interface (or financial product promotion interface) screen is output, and the financial transaction (or financial product promotion) object is displayed on the m (1 <= m <= M) financial transaction interface (or financial product promotion interface) screen. If a user interface is included to request scanning of the front / rear of the customer's identification card (eg, ID card, driver's license, etc.) to process the virtual face-to-face transaction for the customer, the identification card scanning unit 257 According to the image scanning method, the identification image image content is scanned by scanning the front and back parts of the identification card (for example, national ID card, driver's license, etc.) possessed by the customer targeted for the financial transaction (or financial product promotion). Characterized in that the gains.

Those skilled in the art to which the present invention belongs, the identification card scanning unit 257 by scanning the front / back of the identification card possessed by the customer targeted for the financial transaction (or financial products) according to the image scanning method Since you will be familiar with the technical features of obtaining the identification image content, a detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the bank robot 200 that provides a virtual face-to-face transaction to a target customer of the financial transaction (or financial product promotion) may include the financial transaction (or financial product) at the bank branch of the bank robot 200. Promotion) a plurality of operation mode information corresponding to a plurality of financial transactions (or financial product promotion) that can be provided to a target customer, at least one scenario information corresponding to the operation mode, and a financial transaction corresponding to the scenario information (or And a memory unit 260 for linking and storing interface information for financial product promotion).

The memory unit 260 may be a financial transaction (or financial product promotion) in which the bank robot 200 may provide a virtual face-to-face transaction in connection with a robot control device (or system) connected through the wireless communication unit 245. And a plurality of operation mode information corresponding to the &quot;

In addition, the memory unit 260 is any of a plurality of operation modes corresponding to a plurality of financial transactions (or financial product promotion) that the bank robot 200 can provide in conjunction with the robot control device (or system). After the virtual face-to-face authentication with the bank robot 200 is performed on behalf of the counter staff without face-to-face authentication with an actual counter staff in response to one operation mode, at least one financial transaction corresponding to the mode of operation ( Alternatively, the financial transaction scenario (or financial product promotion scenario) information for providing financial product promotion) may be stored in association with the operation mode information.

According to the exemplary embodiment of the present invention, the financial transaction scenario information corresponding to the operation mode of the bank robot 200 may not authenticate the customer who is the financial transaction face-to-face with the counter staff in the operation mode of the bank robot 200. Virtual face-to-face authentication scenario information for processing virtual face-to-face authentication with the bank robot 200 on behalf of the counter staff, and through the screen output unit 247 before and after the face-to-face face-to-face scenario. Interface output scenario information for outputting at least one financial transaction interface screen to the screen output device provided in the robot 200 and a key input device provided in the bank robot 200 based on the financial transaction interface screen. Information input scenario information for processing at least one financial transaction information to be input, and the financial transaction object; Card (or bank account) reading scenario information for reading financial information from the MS / IC chip included in the card (or bank account) held by the customer, and RFID provided in the card (or bank account) held by the customer for the financial transaction. RFID reading scenario information for reading financial-related RFID information from a tag, information verification scenario information for verifying whether the input financial transaction information, or the read financial information, or financial-related RFID information is valid according to a scenario; Information transceiving scenario information for transmitting financial transaction request information including at least one of the input (or read) information through the financial transaction communication channel, and receiving financial transaction processing information corresponding to the financial transaction request information; At least one financial transaction request information input (or reading) according to the information input scenario information Be made to specific documents it includes (or transaction application) and the electronic document generation scenario information for generating an electronic document consisting of a form, including, financial transaction canceled scenario information, and sequentially in accordance with the sequence of steps is preferred.

According to another exemplary embodiment of the present invention, the financial product promotion scenario information corresponding to the operation mode of the bank robot 200 may include the actual customer at the bank product promotion target customer in the operation mode of the bank robot 200. Virtual face-to-face authentication scenario information for processing virtual face-to-face authentication with the bank robot 200 on behalf of the counter staff without face-to-face authentication, and the screen output unit 247 before and after the face-to-face face scenario. Interface output scenario information for outputting at least one financial product promotion interface screen to the screen output device provided in the bank robot 200 and the bank robot 200 based on the financial product promotion interface screen Information input scenario for processing at least one financial product subscription information to be input through a key input device Information, card (or bank account) reading scenario information for reading financial information from the MS / IC chip included in the card (or bank account) held by the customer to be promoted, and the customer to be promoted by the financial product. RFID reading scenario information for reading financial-related RFID information from an RFID tag included in a card (or bankbook), the input financial product subscription information, the read financial information, or financial-related RFID information is valid according to a scenario. Financial information subscription scenario information for verifying the hanji and financial product subscription request information including at least one of the input (or read) information is transmitted through the financial transaction communication channel, the financial corresponding to the financial product subscription request information Input and receive scenario information for receiving product subscription processing information and information input scenario information. The electronic document generation scenario information for generating an electronic document including at least one financial information subscription request information, which is output (or reading), in a banking application form, and information on the cancellation of financial product subscription scenarios, etc. It is preferable to comprise sequentially.

Here, the interface output order of the interface output scenario information included in the financial transaction scenario (or financial product promotion scenario) information, the information input scenario information, card (or bankbook) reading scenario information, or RFID reading scenario information The information input (or reading) order of the information, and the information transmission / reception order of the information transmission / reception scenario information, etc. are preferably defined to include a financial transaction (or financial product promotion) procedure defined by the bank that operates the bank robot 200. In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, the operation of the detailed scenario included in the financial transaction scenario (or financial product promotion scenario) information according to each banking financial transaction (or financial product promotion) procedure Since we can infer how to define the order, a detailed description The clothes will be omitted, and it will be apparent that the technical features of the present invention are not limited by each bank's financial transaction (or financial product promotion) procedure.

In addition, the memory unit 260 is one or more financial to be output to the screen output device through the screen output unit 247 according to the interface output scenario information included in the financial transaction scenario (or financial product promotion scenario) information Interface information corresponding to a transaction interface (or financial product promotion interface) screen is stored in association with the financial transaction scenario (or financial product promotion scenario) information.

According to the present invention, the memory unit 260 is the financial transaction (or financial product promotion) recognized through the screen recognition means in accordance with the virtual face-to-face authentication scenario information included in the financial transaction scenario (or financial product promotion scenario) information (C) storing customer image data formed by linking facial image data of a target customer with customer image data included in identification card image contents scanned by the identification card scanning unit 257.

According to the method of the present invention, when the bank robot 200 provides at least one virtual face-to-face financial transaction to the financial transaction (or financial product promotion) target customer, the customer image data is targeted to the customer. It is preferable that the transaction is stored in association with the transaction details (not shown).

Alternatively, when the bank robot 200 processes to subscribe to the financial product after at least one financial product promotion to the customer targeted for the financial transaction (or financial product promotion), the customer image data is processed for the customer. It is preferably stored in association with the financial product subscription details (not shown).

According to the method of the present invention, the memory unit 260 preferably stores at least one or more financial product promotion information to be promoted to at least one or more financial transaction (or financial product promotion) target customers.

Here, the financial product promotion information is preferably stored in association with at least one financial product promotion scenario information of the scenario information, whereby the bank robot 200 from a separate server (or an external storage device) Without receiving the financial product promotion information, it is possible to immediately promote at least one or more financial products appropriate to the target customer of the financial transaction (or financial product promotion).

Referring to FIG. 2, the bank robot 200 may include at least one wireless communication unit provided in the bank robot 200 in order to provide a virtual face-to-face transaction to a target customer of the financial transaction (or financial product promotion). 245, screen output unit 247, key input unit 250, card reader unit 253, RFID reader unit 255, identification card scanning unit 257, memory unit 260, position control unit 243, face And a main control unit 205 which controls the recognition unit 287 and the customer service processing unit 220, respectively, and controls and manages information (or data) communication between the function units.

According to the exemplary embodiment of the present invention, the main controller 205 may be configured as hardware such as the wireless communication unit 245, the screen output unit 247, the key input unit 250, the card reader unit 253, and the RFID reader unit 255. ), The identification card scanning unit 257, the memory unit 260, the position control unit 243, the face recognition unit 287 and the customer response processing unit 220, respectively, and communicates information (or data) between the respective functional components By controlling and managing the recording medium, and a recording medium for storing the program code provided in the bank robot 200 to provide a virtual face-to-face transaction to the target customer of the financial transaction (or financial product promotion), and executing the program code It is preferred to include a processor.

Alternatively, the main controller 205 may be configured as software such as the wireless communication unit 245, the screen output unit 247, the key input unit 250, the card reader unit 253, the RFID reader unit 255, and the identification card scanning unit ( 257, the memory unit 260, the position control unit 243, the face recognition unit 287 and the customer service processing unit 220, respectively, by controlling and managing information (or data) communication between each functional component, In order to provide a virtual face-to-face transaction to a target customer of the financial transaction (or financial product), it is preferable to generically refer to a program code provided in the bank robot 200. A function component corresponding to each program code to be provided in the bank robot 200 in order to provide a virtual face-to-face transaction to the target customer of the financial transaction (or financial product promotion) is provided in the main controller 205 for convenience. It will be illustrated and described.

Referring to FIG. 2, after the bank robot 200 is booted to provide a virtual face-to-face transaction to a target customer of the financial transaction (or financial product promotion), the bank robot 200 boots. Check whether the robot control device (or system) provided at the bank branch and the robot control communication channel are connected through 245, or after the operation mode of the bank robot 200 is set, the wireless communication unit 245 is connected. It characterized in that it comprises a communication channel connection confirmation unit 210 for confirming whether the robot control device (or system) provided at the bank branch and the financial transaction communication channel is connected.

When power is supplied and booted from a power supply unit (not shown) provided in the bank robot 200, the communication channel connection checking unit 210 is provided at the bank branch through the wireless communication unit 245. (Or a system) and request to connect the robot control communication channel, characterized in that by the wireless communication unit 245 checks whether the robot control device (or system) and the robot control communication channel is connected.

According to the exemplary embodiment of the present invention, when it is not confirmed by the communication channel connection confirming unit 210 that the robot control apparatus (or system) provided at the bank branch is connected to the robot control communication channel, the bank robot 200 It is desirable to wait until the robot control communication channel is connected without starting.

In addition, after it is confirmed by the communication channel connection confirmation unit 210 that the robot control device (or system) provided at the bank branch is connected to the robot control communication channel, the bank robot 200 periodically (or finance). In response to a transaction (or financial product promotion) related event), it is preferable to check whether the robot control device (or system) and the robot control communication channel are maintained through the wireless communication unit 245.

If the robot control communication channel is disconnected, it is preferable that the bank robot 200 is stopped. After that, the bank robot 200 and the robot control device (or system) are in the financial transaction scenario (or financial product promotion). Scenario) It is preferable to cancel each financial transaction (or financial product promotion) that was being performed at the time when the robot control communication channel was disconnected according to the financial transaction cancellation scenario (or financial product subscription cancellation scenario) information included in the information.

When the operation mode of the bank robot 200 is set to a specific operation mode for the financial transaction (or financial product promotion), the communication channel connection confirmation unit 210 controls the robot control device (or system) and the robot control. In a state in which a communication channel is connected, the wireless communication unit 245 checks whether the financial transaction communication channel corresponding to the operation mode of the robot control apparatus (or system) and the bank robot 200 is connected.

According to the exemplary embodiment of the present invention, if it is not confirmed by the communication channel connection confirming unit 210 that the robot control device (or system) provided at the bank branch is connected to the financial transaction communication channel, the bank robot 200 ) Waits until the financial transaction communication channel is connected without performing a financial transaction (or financial product promotion) function corresponding to the operation mode of the bank robot 200.

The bank robot 200 after the financial transaction communication channel is connected in a state in which the robot control device (or system) provided at the bank branch is connected to the robot control communication channel by the communication channel connection confirming unit 210. ) Periodically (or in response to an event related to a financial transaction (or financial product)) through the wireless communication unit 245, it is preferable to check whether the financial transaction communication channel with the robot control device (or system) is maintained. Do.

If the financial transaction communication channel is disconnected, the bank robot 200 may stop the financial transaction (or financial product promotion) corresponding to the operation mode of the bank robot 200, and then the bank robot 200. And the robot control device (or system) is performed at the time when the financial transaction communication channel is disconnected according to the financial transaction cancellation scenario (or financial product subscription cancellation scenario) information included in the financial transaction scenario (or financial product promotion scenario) information. It is desirable to cancel each financial transaction (or financial product promotion).

Referring to FIG. 2, the bank robot 200 cooperates with the customer response processing unit 220 to provide a virtual face-to-face transaction to a customer targeted for the financial transaction (or financial product promotion). Set the operation mode of the bank robot 200 corresponding to the financial transaction (or financial product promotion) that can be provided through the 200 or the bank robot 200 in association with the screen output unit 247 and the key input unit 250. Set the operation mode of the bank robot 200 corresponding to the financial transaction (or financial product promotion) that can be provided through the wireless communication unit, or set the operation mode received from the robot control apparatus (or system) through the wireless communication unit 245. And an operation mode setting unit 215 for setting the operation mode of the bank robot 200 according to the information.

According to the exemplary embodiment of the present invention, the customer response processing unit 220 is connected to the voice output unit 263, the voice input unit 270, and the image recognition unit 280 in front of the bank robot 200. Analysis of customer response conversations (eg, the bank robot 200's utterances and subsequent financial transactions (or financial product promotions) customer responses among customers of a plurality of customers located in a specific financial transaction (or financial product promotion), or financial transaction (or When the financial transaction (or financial product promotion) target information is confirmed and provided through the utterance analysis of the financial product promotion), the operation mode setting unit 215 finances corresponding to the financial transaction (or financial product promotion) target information. The operating mode for processing a transaction (or financial product promotion) is characterized in that automatically set to the operation mode of the bank robot 200.

According to another exemplary embodiment of the present invention, the screen output unit 247 outputs at least one financial transaction (or financial product promotion) selection interface, and corresponds to the financial transaction (or financial product promotion) selection interface. When a financial transaction (or financial product promotion) object is selected through the key input unit 250, the operation mode setting unit 215 may perform a financial transaction (or financial product) corresponding to the financial transaction (or financial product promotion) selection information. Public information) is automatically set to an operation mode of the bank robot 200.

According to another exemplary embodiment of the present invention, when the operation mode setting information is received from the robot control apparatus (or the system) through the wireless communication unit 245, the operation mode setting unit 215 is in accordance with the operation mode setting information. The operation mode for processing a corresponding financial transaction (or financial product promotion) is characterized in that the automatic setting of the operation mode of the bank robot 200.

Referring to FIG. 2, the bank robot 200 is provided by the operation mode setting unit 215 to provide a virtual face-to-face transaction to the financial transaction (or financial product promotion) target customer. When the operation mode is set, the scenario selecting unit 220 for selecting the financial transaction scenario (or financial product promotion scenario) information corresponding to the set operation mode in association with the memory unit 260, and the memory unit ( Check at least one interface information corresponding to the selected scenario information in association with 260, and at least one financial transaction interface (or financial product promotion interface) screen according to the scenario information in connection with the screen output unit 247. Characterized in that it comprises a interface output unit 223 for outputting the.

When the operation mode of the bank robot 200 is set by the operation mode setting unit 215, the scenario selector 220 is linked with the memory unit 260 to correspond to the set operation mode. (Or financial product promotion scenario) characterized in that the selection of information.

According to the exemplary embodiment of the present invention, the financial transaction scenario information corresponding to the operation mode of the bank robot 200 may not authenticate the customer who is the financial transaction face-to-face with the counter staff in the operation mode of the bank robot 200. Virtual face-to-face authentication scenario information for processing virtual face-to-face authentication with the bank robot 200 on behalf of the counter staff, and through the screen output unit 247 before and after the face-to-face face-to-face scenario. Interface output scenario information for outputting at least one financial transaction interface screen to the screen output device provided in the robot 200 and a key input device provided in the bank robot 200 based on the financial transaction interface screen. Information input scenario information for processing at least one financial transaction information to be input, and the financial transaction object; Card (or bank account) reading scenario information for reading financial information from the MS / IC chip included in the card (or bank account) held by the customer, and RFID provided in the card (or bank account) held by the customer for the financial transaction. RFID reading scenario information for reading financial-related RFID information from a tag, information verification scenario information for verifying whether the input financial transaction information, or the read financial information, or financial-related RFID information is valid according to a scenario; Information transceiving scenario information for transmitting financial transaction request information including at least one of the input (or read) information through the financial transaction communication channel, and receiving financial transaction processing information corresponding to the financial transaction request information; At least one financial transaction request information input (or reading) according to the information input scenario information Be made to specific documents it includes (or transaction application) and the electronic document generation scenario information for generating an electronic document consisting of a form, including, financial transaction canceled scenario information, and sequentially in accordance with the sequence of steps is preferred.

According to another exemplary embodiment of the present invention, the financial product promotion scenario information corresponding to the operation mode of the bank robot 200 may include the actual customer at the bank product promotion target customer in the operation mode of the bank robot 200. Virtual face-to-face authentication scenario information for processing virtual face-to-face authentication with the bank robot 200 on behalf of the counter staff without face-to-face authentication, and the screen output unit 247 before and after the face-to-face face scenario. Interface output scenario information for outputting at least one financial product promotion interface screen to the screen output device provided in the bank robot 200 and the bank robot 200 based on the financial product promotion interface screen Information input scenario for processing at least one financial product subscription information to be input through a key input device Information, card (or bank account) reading scenario information for reading financial information from an MS / IC chip included in a card (or bank account) possessed by the financial product promotion customer, and the financial product promotion customer RFID reading scenario information for reading financial-related RFID information from an RFID tag included in a card (or bankbook), the input financial product subscription information, the read financial information, or financial-related RFID information according to a scenario Information verification scenario information for verifying validity and financial product subscription request information including at least one of the input (or read) information is transmitted through the financial transaction communication channel, and corresponds to the financial product subscription request information. According to the information transmission and reception scenario information for receiving the financial product subscription processing information, and the information input scenario information Electronic document generation scenario information for generating an electronic document including at least one financial information subscription request information, which is output (or reading), in a banking application form, and information on canceling financial product subscription scenarios in a sequential order It is preferable that it comprises.

When the financial transaction scenario (or financial product promotion scenario) information corresponding to the operation mode of the bank robot 200 is selected by the scenario selecting unit 220, the interface output unit 223 is connected to the memory unit 260. And at least one interface information corresponding to the selected financial transaction scenario (or financial product promotion scenario) information.

According to an exemplary embodiment of the present invention, the interface output unit 223 may be connected to the screen output unit 247 according to the virtual face-to-face authentication scenario information included in the selected financial transaction scenario (or financial product promotion scenario). It is preferable to output the authentication interface screen.

In addition, the interface output unit 223 is connected to the screen output unit 247 according to the interface output scenario information included in the selected financial transaction scenario (or financial product promotion scenario) at least one financial transaction interface (or financial Product promotion interface) screen.

Referring to FIG. 2, in order to provide a virtual face-to-face transaction to the financial transaction target customer, the bank robot 200 uses a virtual interface according to the virtual face-to-face authentication scenario included in the financial transaction scenario information through an output unit. When the face authentication interface screen is output, the face recognition data of the customer recognized by the face recognition unit 287 based on the virtual face authentication interface screen, and the customer image recognition data recognized by the identification card scan unit 257. Compare and analyze the virtual face-to-face authentication unit 225 to recognize the virtual face-to-face and output the at least one financial transaction interface screen according to the interface output scenario information included in the financial transaction scenario information through the output unit City, at least one or more gold on the financial transaction interface screen Process to output transaction related information (eg, financial transaction information, financial information, financial transaction processing information, etc.) or at least one financial unit from the key input unit 250 through a user interface included in the financial transaction interface screen. Process to input transaction information, or to read at least one or more financial information (eg, account information, bankbook information, etc.) from the card reader unit 253 through a user interface included in the financial transaction interface screen; Or an information processing unit 227 for processing to read at least one financial-related RFID information through the RFID reader unit 255 through a user interface included in the financial transaction interface screen, and the information according to the financial transaction scenario information. A note containing information input (or read) through the processor 227 The information transmitter 230 transmits one or more financial transaction request information to the robot control apparatus (or system) through a financial transaction communication channel connected through the wireless communication unit 245, and the financial transaction scenario information according to the financial transaction scenario information. The information receiving unit 233 for receiving at least one financial transaction processing information corresponding to the financial transaction request information from the robot control apparatus (or system) through a financial transaction communication channel, and the virtual face authentication unit 225 Virtually face-to-face authentication of the customer according to financial transaction scenario information, the information processing unit 227 inputs and reads and reads various information according to the financial transaction scenario information, and the information transmission unit 230 performs the financial transaction scenario information. Transmit at least one financial transaction request information through the financial transaction communication channel, and receive the information. 233 is characterized in that in response to the financial transaction information obtained by the scenario includes a scenario verification unit 235 for verifying that the received at least one financial transaction processing information through the financial transaction channel communication.

When outputting the virtual face-to-face authentication interface screen according to the virtual face-to-face authentication scenario included in the financial transaction scenario information through the interface, the virtual face-to-face authentication part 225 performs the image recognition means 280 according to the virtual face-to-face authentication scenario. Facial recognition data recognized by the facial recognition unit 287 based on the facial image data of the financial transaction target customer recognized through the &lt; RTI ID = 0.0 &gt; 1, &lt; / RTI &gt; By comparing and analyzing the customer image recognition data recognized through the customer image data (eg, image content data corresponding to the customer ID photo included in the identification card), the face-to-face authentication of the customer subject to the financial transaction is performed. Virtually face-to-face authentication as described above.

When outputting at least one financial transaction interface screen according to interface output scenario information included in the financial transaction scenario information through the interface, the information processing unit 227 outputs an information output item included in the output financial transaction interface screen. And at least one financial transaction related information (eg, financial transaction information, financial information, financial transaction processing information, etc.) identified in advance.

Alternatively, at least one financial transaction interface screen is output according to the interface output scenario information included in the financial transaction scenario information through the interface, and at least one financial entity is displayed on the financial transaction interface screen through the key input unit 250. When a user interface for processing transaction information is included, the information processing unit 227 may include at least one or more items from the key input unit 250 through the user interface according to the information input scenario information included in the financial transaction scenario information. And processing to input financial transaction information.

Alternatively, the interface outputs at least one or more financial transaction interface screens according to interface output scenario information included in the financial transaction scenario information, and at least one or more through the card reader unit 253 on the financial transaction interface screen. When a user interface for processing to read financial information (eg, account information, bank account information, etc.) is included, the information processor 227 may be configured according to the card (or bank account) reading scenario information included in the financial transaction scenario information. At least one financial information (eg, account information, bank account information, etc.) may be read from the card reader 253 through a user interface.

Alternatively, at least one financial transaction interface screen is output according to the interface output scenario information included in the financial transaction scenario information through the interface, and the at least one RFID reader unit 255 is displayed on the financial transaction interface screen. When a user interface for processing to read financial-related RFID information is included, the information processor 227 controls the RFID reader unit 255 through the user interface according to the RFID reading scenario information included in the financial transaction scenario information. Through processing to read at least one or more financial-related RFID information through.

When at least one or more information is input (or read) through the information processor 227, the scenario verifier 235 is input (or read) based on information verification scenario information included in the financial transaction scenario information. And verifying whether the information is validly inputted (or read) according to the information input scenario, the card (or bankbook) reading scenario, or the RFID reading scenario information.

Herein, the information verification scenario information authenticates each information input step according to the information input scenario, or authenticates each card (or bankbook) reading step according to a card (or bankbook) reading scenario, or the RFID reading scenario information. It is preferable to include an authentication value for authenticating each RFID reading step according to the authentication algorithm.

If validity of inputting (or reading) at least one or more information through the information processing unit 227 is not verified according to the information verification scenario, the scenario verification unit 235 may be included in the financial transaction scenario information. According to the financial transaction cancellation scenario information, characterized in that for processing to cancel the unvalidated financial transaction.

When at least one or more information is input (or read) through the information processor 227, and the input (or read) information is verified by the scenario verifier 235, the information transmitter 230 may read the information. Financial transactions connected through the wireless communication unit 245 at least one or more financial transaction request information including information input (or read) through the information processing unit 227 according to the information transmission and reception scenario information included in the financial transaction scenario information Characterized in that the transmission via the communication channel to the robot control device (or system).

According to an embodiment of the present invention, when the information transmission unit 230 transmits the financial transaction request information to the robot control apparatus (or system) through the financial transaction communication channel, the information transmission and reception scenario information is controlled by the robot. It is preferable that the bank robot 200 and the robot control device (or system) are connected to each other through a communication channel to include an encryption / decryption based security scenario for processing to verify the validity of the transmitted financial transaction request information. Do.

When the financial transaction request information is transmitted to the robot control apparatus (or system) by the information transmitter 230, the scenario verification unit 235 based on the information verification scenario information included in the financial transaction scenario information. And verifying that the transmitted financial transaction request information is effectively transmitted according to the information transmission and reception scenario.

Here, the information verification scenario information preferably includes an authentication value for authenticating each information transmission step according to the information transmission and reception scenario and an authentication algorithm.

If the validity of the transmission of the financial transaction request information through the information transmission unit 230 is not verified according to the information verification scenario, the scenario verification unit 235 may perform the financial transaction included in the financial transaction scenario information. According to the cancellation scenario information, characterized in that the processing to cancel the unvalidated financial transaction.

When the financial transaction request information is transmitted to the robot control apparatus (or system) by the information transmitter 230, and the financial transaction request information transmission process is verified by the scenario verification unit 235, the information receiver In operation 233, at least one financial transaction processing information corresponding to the financial transaction request information from the robot control apparatus (or system) is transmitted through the financial transaction communication channel according to the information transmission / reception scenario information included in the financial transaction scenario information. It is characterized by receiving.

According to an embodiment of the present invention, when the information receiving unit 233 receives the financial transaction processing information from the robot control apparatus (or system) through the financial transaction communication channel, the information transmission and reception scenario information is the robot control communication. It is preferable that the bank robot 200 and the robot control device (or system) are connected to each other through a channel to include an encryption / decryption based security scenario for processing to verify the validity of the received financial transaction processing information. .

When the financial transaction processing information is received from the robot control apparatus (or system) by the information receiving unit 233, the scenario verification unit 235 may be configured based on the information verification scenario information included in the financial transaction scenario information. And verifying whether the received financial transaction processing information is effectively transmitted according to the information transmission / reception scenario.

In this case, the information verification scenario information preferably includes an authentication value for authenticating each information receiving step according to the information transmission and reception scenario and an authentication algorithm.

If the validity of receiving the financial transaction processing information through the information receiver 233 according to the information verification scenario is not verified, the scenario verification unit 235 cancels the financial transaction included in the financial transaction scenario information. According to the scenario information characterized in that the processing to cancel the unvalidated financial transaction.

When the financial transaction processing information is received from the robot control apparatus (or system) by the information receiving unit 233, and the financial transaction processing information receiving process is verified by the scenario verification unit 235, the information processing unit ( 227) includes the received financial transaction processing information on the financial transaction interface screen according to the financial transaction scenario and outputs the received information.

Referring to FIG. 2, the bank robot 200 may include financial transaction information input through the key input device and financial information read through the card reader device according to the electronic document generation scenario included in the financial transaction scenario. (E.g., account information, bankbook information, etc.) and financial transaction request information including at least one or more financial-related RFID information read through the RFID reader device in an electronic document (or transaction application) form. And an electronic document transmitter 237 for generating the electronic document generator 237 and an electronic document transmitter 240 for transmitting the generated electronic document to the robot control apparatus through the financial transaction communication channel.

When the financial transaction is completed through the financial transaction request information including at least one or more information input (or read) from the bank robot 200 through the information processing unit 227 according to an embodiment of the present invention, the electronic The document generation unit 237 may include financial transaction information input through the key input device and financial information read through the card reader in the virtual face-to-face authentication financial transaction process according to the electronic document generation scenario. Account information, bankbook information, etc.), financial transaction request information including at least one or more financial-related RFID information read through the RFID reader, and the financial transaction processing information (eg, financial transaction details). Or a transaction application) form to generate an electronic document.

According to the method of the present invention, when the electronic document is generated after the completion of the financial transaction corresponding to the financial transaction request information, it is preferable that the electronic document is automatically attached to the electronic signature of the employee managing the bank robot 200 Do.

According to another exemplary embodiment of the present invention, the financial transaction through the financial transaction request information including at least one or more information input (or read) from the bank robot 200 through the information processing unit 227 is not completed, or When the financial transaction request information supports a window transaction, the electronic document generation unit 237 may include the financial transaction information input by the information processing unit 227 through the key input device according to the electronic document generation scenario; Bank transaction slips (or bank information) including financial information (eg, account information, bank account information, etc.) read through the card reader device and financial transaction request information including at least one or more financial-related RFID information read through the RFID reader device. It is characterized by generating an electronic document made in the transaction application) form.

According to the embodiment of the present invention, the electronic document generated by the electronic document generating unit 237 includes at least one word including at least one of an EDI (Electronic Data Interchange) file, a Portable Document Format (PDF) file, and a HWP / DOC. It is preferable to include at least one or more processor document, or a web document file including MHT, and may include a separate electronic document file format according to the intention of those skilled in the art.

Those skilled in the art will be able to infer an electronic document format structure including a slip (or transaction application) form for each financial transaction defined by each bank, so a detailed description thereof is omitted for convenience. Let's do it.

When the electronic document is generated by the electronic document generator 237, the electronic document transmitter 240 transmits the generated electronic document to the robot control apparatus through a financial transaction communication channel.

According to one embodiment of the present invention, the electronic document received from the bank robot 200 includes a financial transaction history (or includes a financial transaction completion code, or an electronic signature of an employee managing the bank robot 200 is attached. ), The robot control apparatus transmits the electronic document received from the bank robot 200 to the electronic document server on the communication network.

According to another exemplary embodiment of the present invention, when the financial transaction details are not included in the electronic document received from the bank robot 200 (or the electronic terminal receiving side window terminal information is included), the robot control apparatus includes the bank robot ( The electronic document received from 200 is characterized in that for transmitting to the teller terminal provided in the bank branch.

According to one embodiment of the invention, the electronic document server is preferably provided in the bank, thereby the invention is not limited.

According to another embodiment of the present invention, the electronic document server is preferably provided in the electronic document storage authorized outside the bank, whereby the present invention is not limited.

According to the invention, the electronic document server is characterized in that it comprises an electronic document D / B for storing the electronic document received from the robot control device, the electronic document D / B is received from the robot control device The electronic document and the electronic document management information for managing the electronic document are stored in the electronic document D / B.

The electronic document management information may include an electronic document identification code for managing the electronic document stored in the electronic document D / B, electronic document type code information for identifying the electronic document type, and a bank that transmits the electronic document. Code information (branch code information, teller terminal information, employee information), and document storage date and time information in which the electronic document is stored in the electronic document D / B is preferably included.

Referring to FIG. 2, in order to provide a virtual face-to-face transaction to the target customer of the financial product, the bank robot 200 transmits the interface to the virtual face-to-face authentication scenario included in the financial product promotion scenario information through an output unit. Accordingly, when the virtual face authentication interface screen is output, the face recognition data of the customer recognized by the face recognition unit 287 based on the virtual face authentication interface screen, and the customer image recognized by the identification card scanning unit 257. Comparing and analyzing the recognition data and virtually face-to-face recognition of the customer and at least one financial product promotion interface according to the interface output scenario information included in the financial product promotion scenario through the interface through the output unit When printing the screen, write down on the financial product promotion interface screen Process to output one or more financial product promotional information, or to input at least one financial product subscription information from the key input unit 250 through a user interface included in the financial product promotional interface screen, or the financial Process to read at least one or more financial information (eg, account information, bankbook information, etc.) from the card reader unit 253 through a user interface included in a product promotion interface screen, or included in the financial product promotion interface screen. An information processing unit 227 processing to read at least one or more financial-related RFID information through the RFID reader unit 255 through the user interface, and input through the information processing unit 227 according to the financial product promotion scenario information ( Or at least one including read) information An information transmitter 230 for transmitting a financial product subscription request information to the robot control apparatus (or system) through a financial transaction communication channel connected through the wireless communication unit 245 and the financial product promotion scenario information; The information receiving unit 233 and the virtual face authentication unit 225 for receiving at least one financial product subscription processing information corresponding to the financial product subscription request information from the robot control apparatus (or system) through a transaction communication channel; Virtually face-to-face authentication of the customer according to the financial product promotion scenario information, the information processing unit 227 inputs and reads and reads a variety of information according to the financial product promotion scenario information, the information transmission unit 230 is the financial At least one financial product subscription request information through the financial transaction communication channel according to product promotion scenario information And a scenario verification unit 235 for verifying that the information receiver 233 receives at least one financial product subscription processing information through the financial transaction communication channel according to the financial product promotion scenario information. Features

When outputting the virtual face-to-face authentication interface screen according to the virtual face-to-face authentication scenario included in the financial product promotion scenario information through the interface, the face-to-face authentication part 225 may perform image recognition means according to the face-to-face face scenario. Based on the facial image data of the target customer of the financial product promoted through 280, the facial recognition data recognized by the facial recognition unit 287 and the ID image content scanned by the identification card scanning unit 257. Compare and analyze the customer image recognition data recognized through the included customer image data (e.g., image content data corresponding to the customer ID photo included in the identification card), so that the financial product promotion customers face the naked eye of the counter staff. It is characterized in that the virtual face-to-face authentication as the authentication.

When outputting at least one financial product promotion interface screen according to interface output scenario information included in the financial product promotion scenario information through the interface, the information processor 227 is included in the output financial product promotion interface screen. Characterized in that to output at least one or more financial product promotional information previously identified in the information output item.

Alternatively, the interface outputs at least one financial product promotion interface screen according to the interface output scenario information included in the financial product promotion scenario information, and at least through the key input unit 250 on the financial product promotion interface screen. When a user interface for processing to input at least one financial product subscription information is included, the information processing unit 227 performs the key input unit 250 through the user interface according to the information input scenario information included in the financial product promotion scenario information. To input at least one financial product subscription information.

Alternatively, the interface outputs at least one or more financial product promotion interface screens according to interface output scenario information included in the financial product promotion scenario information, and through the card reader unit 253 on the financial product promotion interface screen. When a user interface for processing at least one or more financial information (eg, account information, bank account information, etc.) is included, the information processor 227 may include a card (or bank account) reading scenario included in the financial product promotion scenario information. The at least one financial information (eg, account information, bank account information, etc.) may be read from the card reader 253 through the user interface according to the information.

Alternatively, at least one financial product promotion interface screen is output according to the interface output scenario information included in the financial product promotion scenario information through the interface, and the RFID reader unit 255 is displayed on the financial product promotion interface screen. When a user interface for processing at least one financial related RFID information is included, the information processor 227 may read the RFID reader unit through the user interface according to the RFID reading scenario information included in the financial product promotion scenario information. Through 255, at least one financial related RFID information is processed to be read.

When at least one or more information is input (or reading) through the information processing unit 227, the scenario verification unit 235 may input the reading (or reading) based on information verification scenario information included in the financial product promotion scenario information. It is characterized in that whether the information is effectively input (or reading) according to the information input scenario, the card (or bankbook) reading scenario, or the RFID reading scenario information.

Herein, the information verification scenario information authenticates each information input step according to the information input scenario, or authenticates each card (or bankbook) reading step according to a card (or bankbook) reading scenario, or the RFID reading scenario information. It is preferable to include an authentication value for authenticating each RFID reading step according to the authentication algorithm.

If the validity of inputting (or reading) at least one or more information through the information processing unit 227 is not verified according to the information verification scenario, the scenario verification unit 235 is included in the financial product promotion scenario information. The non-validated financial product subscription is canceled according to the financial product subscription cancellation scenario information.

When at least one or more information is input (or read) through the information processor 227, and the input (or read) information is verified by the scenario verifier 235, the information transmitter 230 may read the information. At least one financial product subscription request information including information input (or reading) through the information processing unit 227 is connected through the wireless communication unit 245 according to the information transmission / reception scenario information included in the financial product promotion scenario information. It is characterized in that for transmitting to the robot control device (or system) through a financial transaction communication channel.

According to the exemplary embodiment of the present invention, when the information transmission unit 230 transmits the financial product subscription request information to the robot control apparatus (or system) through the financial transaction communication channel, the information transmission / reception scenario information is the robot. And an encryption / decryption based security scenario for processing the bank robot 200 and the robot control apparatus (or system) to verify the validity of the transmitted financial product subscription request information through a control communication channel. It is preferable.

When the financial product subscription request information is transmitted to the robot control apparatus (or system) by the information transmitter 230, the scenario verification unit 235 receives information verification scenario information included in the financial product promotion scenario information. And verifying whether the transmitted financial product subscription request information is effectively transmitted according to the information transmission / reception scenario.

Here, the information verification scenario information preferably includes an authentication value for authenticating each information transmission step according to the information transmission and reception scenario and an authentication algorithm.

If the validity of transmitting the financial product subscription request information through the information transmission unit 230 is not verified according to the information verification scenario, the scenario verification unit 235 may include the financial information included in the financial transaction scenario information. According to the product subscription cancellation scenario information, characterized in that the processing to cancel the unvalidated financial product subscription.

When the financial product subscription request information is transmitted to the robot control apparatus (or system) by the information transmitter 230, and the financial product subscription request information transmission process is verified by the scenario verification unit 235, the financial product subscription request information is verified. The information receiving unit 233 at least one finance corresponding to the financial product subscription request information from the robot control device (or system) through the financial transaction communication channel according to the information transmission and reception scenario information included in the financial product promotion scenario information Receiving product subscription processing information.

According to an embodiment of the present invention, when the information receiving unit 233 receives the financial product subscription processing information from the robot control apparatus (or system) through the financial transaction communication channel, the information transmission and reception scenario information is the robot control. And a cryptographic / decryption based security scenario in which the bank robot 200 and the robot control apparatus (or system) are connected to each other through a communication channel to verify validity of the received financial product subscription processing information. desirable.

When the financial product subscription processing information is received from the robot control apparatus (or system) by the information receiving unit 233, the scenario verification unit 235 is based on information verification scenario information included in the financial product promotion scenario information. And verifying whether the received financial product subscription processing information is effectively transmitted according to the information transmission and reception scenario.

In this case, the information verification scenario information preferably includes an authentication value for authenticating each information receiving step according to the information transmission and reception scenario and an authentication algorithm.

If the validity of receiving the financial product subscription processing information through the information receiving unit 233 according to the information verifying scenario is not verified, the scenario verifying unit 235 may include the financial product included in the financial transaction scenario information. According to the subscription cancellation scenario information, characterized in that the processing to cancel the unvalidated financial product subscription.

When the financial product subscription processing information is received from the robot control apparatus (or system) by the information receiving unit 233, and the financial product subscription processing information receiving process is verified by the scenario verification unit 235, the information is received. The processor 227 outputs the received financial product subscription processing information on the financial product promotion interface screen according to the financial product promotion scenario.

Referring to FIG. 2, the bank robot 200 may read financial product subscription information input through the key input device and read through the card reader device according to the electronic document generation scenario included in the financial product promotion scenario. An electronic document including financial information (eg, account information, bankbook information, etc.) and financial product subscription request information including at least one or more financial-related RFID information read through the RFID reader device in a banking application form. And an electronic document transmission unit 240 for transmitting the generated electronic document to the robot control apparatus through the financial transaction communication channel.

When the financial product subscription is completed through the financial product subscription request information including at least one or more information input (or read) from the bank robot 200 through the information processing unit 227 according to the exemplary embodiment of the present invention. According to the electronic document generation scenario, the electronic document generation unit 237 uses the financial product subscription information input through the key input device and the card reader device in the virtual product authentication and subscription process of the virtual face-to-face authentication method. Financial product subscription request information including at least one read financial information (eg, account information, bankbook information, etc.), and financial information RFID information read through the RFID reader device, and the financial product subscription processing information (eg, Financial product subscription details) is characterized in that to generate an electronic document made by including in the bank application form.

According to the method of the present invention, when the electronic document is generated after the financial product promotion and subscription corresponding to the financial product subscription request information is completed, the electronic document is an electronic signature of the employee managing the bank robot 200 It is preferable to attach automatically.

According to another embodiment of the present invention, the bank robot 200 promotes and subscribes to financial products through financial product subscription request information including at least one or more information input (or read) through the information processing unit 227. Is not completed, or the financial product subscription process requires a window service, the electronic document generating unit 237 via the key input device by the information processing unit 227 according to the electronic document generation scenario. A financial product including at least one financial product subscription information, financial information (eg, account information, bankbook information, etc.) read through the card reader device, and financial-related RFID information read through the RFID reader device. Characterized in that the electronic document made by including the subscription request information in the bank-specific transaction application form.

According to the embodiment of the present invention, the electronic document generated by the electronic document generating unit 237 includes at least one word including at least one of an EDI (Electronic Data Interchange) file, a Portable Document Format (PDF) file, HWP / DOC, and the like. It is preferable to include at least one or more processor document, or a web document file including MHT, and may include a separate electronic document file format according to the intention of those skilled in the art.

Those skilled in the art will be able to infer an electronic document format structure including a transaction application form for each financial product type defined by each bank, and thus, a detailed description thereof will be omitted. .

When the electronic document is generated by the electronic document generator 237, the electronic document transmitter 240 transmits the generated electronic document to the robot control apparatus through a financial transaction communication channel.

According to an embodiment of the present invention, the electronic document received from the bank robot 200 includes the financial product subscription details (or includes the financial product registration completion code, or the electronic signature of the employee who manages the bank robot 200). When attached, the robot control device is characterized in that for transmitting the electronic document received from the bank robot 200 to the electronic document server on the communication network.

According to another exemplary embodiment of the present invention, when the financial product subscription details are not included in the electronic document received from the bank robot 200 (or the electronic document receiving side window terminal information is included), the robot control apparatus includes the bank robot. Characterized in that the electronic document received from the 200 to the window terminal provided in the bank branch.

According to one embodiment of the invention, the electronic document server is preferably provided in the bank, thereby the invention is not limited.

According to another embodiment of the present invention, the electronic document server is preferably provided in the electronic document storage authorized outside the bank, whereby the present invention is not limited.

According to the invention, the electronic document server is characterized in that it comprises an electronic document D / B for storing the electronic document received from the robot control device, the electronic document D / B is received from the robot control device The electronic document and the electronic document management information for managing the electronic document are stored in the electronic document D / B.

The electronic document management information may include an electronic document identification code for managing the electronic document stored in the electronic document D / B, electronic document type code information for identifying the electronic document type, and a bank that transmits the electronic document. Code information (branch code information, teller terminal information, employee information), and document storage date and time information in which the electronic document is stored in the electronic document D / B is preferably included.

FIG. 3 is a diagram illustrating a bank robot 200 initialization process for producing map data for a bank robot 200 operation location according to an exemplary embodiment of the present invention.

More specifically, FIG. 3 is based on the image recognition means 280 and the autonomous movement means 290 provided in the bank robot 200 when the bank robot 200 shown in FIG. 2 is installed at a bank branch. As the bank robot 200 is about the excess process for producing the map data for the bank robot 200 operation place including the bank branch, if the person skilled in the art However, various implementation methods for the initialization process of the bank robot 200 for producing map data for the operation location of the bank robot 200 may be inferred by referring to and / or modifying the drawing 3. It is made including all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 3 so that external communication means (for example, the robot control communication channel between the bank robot 200 and the robot control device, or The process of downloading and storing the operation place map data through the wired communication means (not shown) provided in the bank robot 200 may be inferred, but the present invention includes all the inferable implementation methods. It is clear that this is obvious.

In addition, the implementation method illustrated in FIG. 3 illustrates an implementation method in which the bank robot 200 is initially installed at a bank branch. However, the process of manufacturing the operation place map data may be applied only at the initial installation time. By no means, the interior of the operation site of the bank robot 200 can be changed periodically or repeatedly added according to the addition (or removal) of fixed objects (or quasi-fixed objects or shadow objects) according to the intention of the skilled person. The present invention is not limited thereby.

Referring to FIG. 3, after the bank robot 200 illustrated in FIG. 2 is installed at a bank branch, power is supplied to the bank robot 200 (eg, battery power provided in the bank robot 200) to boot. When the bank robot 200 connects a wireless AP and a wireless communication channel provided at an operation place of the bank robot 200 through a wireless communication unit 245, the robot shown in FIG. 1 is connected to the wireless communication channel. Check whether the control device and the robot control communication channel is connected (300).

Here, the robot control communication channel periodically checks whether a communication channel is connected to the bank robot 200 in the robot control apparatus based on a wireless communication channel between the bank robot 200 and a wireless AP, and the bank robot Bank robot 200 monitoring channel for tracking the current position (or movement path) of the 200, operation mode confirmation channel for confirming the operation mode of the bank robot 200, remote operation mode of the bank robot 200 The bank transaction 200 processes the financial transaction (or financial product promotion) according to the financial transaction scenario (or the financial product promotion scenario) corresponding to the operation mode of the bank robot 200 in the bank robot 200. At least one operating scenario verification channel for verifying whether the operation is preferably made.

The bank robot 200 monitoring channel is out of the line of sight of the management staff who manages the bank robot 200 according to a movement characteristic of the bank robot 200 moving autonomously without being fixed as in the conventional CD / ATM. When the bank robot 200 is stolen or manipulated by a hacker while being out of the manager's line of sight, there is always a risk that the banking system may be exposed to the bank robot. It is preferable to include a communication channel for real-time monitoring whether the 200 is operating normally without theft, loss, malfunction, and tracking the current position (or movement path) of the bank robot 200. The operation state of the bank robot 200 monitored through the monitoring channel is stored in real time in the log information of the bank robot 200 provided in the robot control apparatus. Is preferred.

The operation mode confirmation channel may be selected between a conversation between the bank robot 200 and a target customer of a financial transaction (or financial product promotion) or a target of a financial transaction (or financial product promotion) of the target customer of the financial transaction (or financial product promotion). Preferably it comprises a communication channel for remotely confirming the operation mode of the bank robot 200 is automatically set according to, the operation mode of the bank robot 200 is confirmed through the operation mode confirmation channel is The bank robot 200 provided in the robot control device is preferably stored in real time.

The operation mode setting channel may include a communication channel for remotely setting an operation mode of the bank robot 200 to an operation mode for processing a specific financial transaction (or financial product promotion) in the robot control apparatus. The operation mode of the bank robot 200 set through the operation mode setting channel may be stored in real time in the log information of the bank robot 200 provided in the robot control apparatus.

In the operation scenario verification channel, the bank robot 200 is automatically set (or remotely set) as an operation mode for processing a specific financial transaction (or financial product promotion). And a communication channel for verifying whether the financial transaction (or financial product promotion) is properly processed according to the financial transaction scenario (or financial product promotion scenario) corresponding to the operation mode. Scenario verification information of the bank robot 200 to be verified through is preferably stored in real time in the bank robot 200 log information provided in the robot control device.

According to an embodiment of the present invention, the operation scenario verification channel performs a specific financial transaction scenario (or financial product promotion scenario) step in the bank robot 200, and then a verification value (or authentication value) for the scenario step. ) Is generated and transmitted to the robot control device, the robot control device preferably comprises a communication channel for approving (or authenticating) the verification value (or authentication value), and the verification value in the robot control device. After approving (or authenticating) (or authentication value), the bank robot 200 preferably performs the following scenario steps.

If the operation scenario is not verified while performing a financial transaction (or financial product promotion scenario) according to a specific financial transaction scenario (or financial product promotion scenario), the robot control apparatus may perform a financial transaction (or Financial product promotion) and the bank robot 200 may also cancel the financial transaction (or financial product promotion) for which the operation scenario is not verified.

If the robot control communication channel between the bank robot 200 and the robot control device is connected (305), the bank robot 200 is located on the position control unit 243 (or memory unit 260). 200) It is checked whether operation place map data for the operation place is stored (310).

If the operating place map data for the operating place of the bank robot 200 is pre-stored (315), the bank robot 200 omits the process of producing the operating place map data.

On the other hand, if no operation place map data for the operation place of the bank robot 200 is previously stored (315), the bank robot 200 changes the operation mode of the bank robot 200 to the operation place map data production mode. In operation 320, a request is made to set whether the operation location of the bank robot 200 is closed or open through the screen output device provided in the bank robot 200 (325).

If the operating place of the bank robot 200 is set to be closed (330), the bank robot 200 is provided to the bank robot 200 on the operating place of the bank robot 200 through the screen output device. Request to move the bank robot 200 to a power supply position (for example, the home position of the bank robot 200) to charge a battery (335), the position of the bank robot 200 to the power supply position If moved (340), the process of producing the outer boundary map data for the closed operating place shown in Figure 4.

On the other hand, when the bank robot 200 operation site is set to the open type (330), the bank robot 200 is moved to the wireless AP position equipped with the wireless AP on the bank robot 200 operation site through the screen output device. When the bank robot 200 is requested to move (345) and the location of the bank robot 200 moves to the wireless AP location (350), external boundary map data for the open operation place shown in FIG. Perform the process.

4 is a diagram illustrating a process of manufacturing external boundary map data for a closed operation place according to an exemplary embodiment of the present invention.

In more detail, FIG. 4 shows that the bank robot 200 shown in FIG. 2 is installed at a bank branch, and then map data for a closed operation place is produced through an initialization process of operating place map data shown in FIG. If it is set to, to the process of manufacturing the outer boundary map data included in the wall of the closed operating place in the bank robot bot 200, if the person skilled in the art By referring to and / or modifying the drawing of FIG. 4, various implementation methods for the process of producing external boundary map data for the closed operation place may be inferred, but the present invention includes all the implementation methods inferred. The technical features are not limited only to the implementation method shown in FIG. 4.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 4 so that external communication means (for example, the robot control communication channel between the bank robot 200 and the robot control apparatus, or The process of downloading and storing the operation place map data through the wired communication means (not shown) provided in the bank robot 200 may be inferred, but the present invention includes all the inferable implementation methods. It is clear that this is obvious.

In addition, although the implementation method illustrated in FIG. 4 illustrates and illustrates an implementation method in which the bank robot 200 is initially installed at a bank branch, the process of producing the operation place map data is applied only at the initial installation time. By no means, the interior of the operation site of the bank robot 200 can be changed periodically or repeatedly added according to the addition (or removal) of fixed objects (or quasi-fixed objects or shadow objects) according to the intention of the skilled person. The present invention is not limited thereby.

Alternatively, the method shown in FIG. 4 may be set as a home position of the bank robot 200 by charging a battery included in the bank robot 200 at a bank branch that operates the bank robot 200. Although illustrated and described as producing the map data, the present invention is not limited thereto, and the home position of the bank robot 200 may be set at any position of the bank branch.

Referring to FIG. 4, after the bank robot 200 illustrated in FIG. 2 is installed at a bank branch, the map data for the closed operation place is produced through the initialization process of manufacturing the operation place map data shown in FIG. 3. If set to, the bank robot 200 recognizes the wall surface of the closed operation place of the left / right direction through the image recognition means 280 (400).

If the wall surface of the closed operation place is recognized through the image recognition means 280 (405), the bank robot 200 sets the power supply position as an origin for producing the operation place map data (410). In operation 415, the image recognition means 280 sets one direction of the recognized left and right walls to the moving direction of the bank robot 200 for producing the operation place map data.

Then, the bank robot 200 recognizes the fixed object (or quasi-fixed object, or shadow object) for the moving direction through the image recognition means 280 (420), the fixed relative to the origin The moving position of the bank robot 200 with respect to the moving direction is avoided by avoiding an object (or a quasi-fixed object or a shadow object) (425), and the autonomous vehicle 290 provided in the bank robot 200 is moved. After the bank robot 200 is processed to move to the identified movement position of the bank robot 200, and generates the movement distance and movement path information of the bank robot 200 during the movement (430), External boundary map data of the closed operation place including the generated moving distance and the moving path information is generated and stored in the position control unit 243 (or the memory unit 260) provided in the bank robot 200 (435). ).

According to the method of the present invention, the process of generating and storing the outer boundary map data of the closed operation place is repeated until the bank robot 200 returns to the origin along the external boundary of the closed operation place. It is desirable to be.

If the bank robot 200 returns to the origin along the external boundary of the closed operation place (440), the bank robot 200 performs a process for producing internal map data of the operation place shown in FIG.

5 is a diagram illustrating a process of manufacturing external boundary map data for an open operation place according to an embodiment of the present invention.

In more detail, in FIG. 5, after the bank robot 200 shown in FIG. 2 is installed at a bank branch, map data for an open operation place is produced through a process of initializing production location map data shown in FIG. 3. When the bank robot 200 is configured to generate external boundary map data in which the bank robot 200 operates within a maximum bank robot 200 operating distance based on the wireless AP provided in the open operation place. As a process, one of ordinary skill in the art to which the present invention pertains can refer to various methods of manufacturing external boundary map data for the open operation site by referring to and / or modifying the drawing 5. It may be inferred, but the present invention includes all the implementation methods inferred, and the technical features thereof are only shown in the implementation method shown in FIG. This is not limited.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 5 so that external communication means (for example, the robot control communication channel between the bank robot 200 and the robot control device, or The process of downloading and storing the operation place map data through the wired communication means (not shown) provided in the bank robot 200 may be inferred, but the present invention includes all the inferable implementation methods. It is clear that this is obvious.

In addition, although the implementation method illustrated in FIG. 5 illustrates an implementation method in which the bank robot 200 is first installed at a bank branch, the process of producing the operation place map data is applied only at the initial installation time. The interior of the operating place of the bank robot 200 may be changed or may be periodically repeated according to the addition (or removal) of the fixed object (or the quasi fixed object or the shadow object) according to the intention of the person skilled in the art. The present invention is not limited thereby.

Alternatively, the method shown in FIG. 5 may be based on a wireless AP position connecting the bank robot 200 and a wireless communication channel at a bank branch operating the bank robot 200 to produce the operation place map data. Although the present invention is illustrated as being set, the present invention is not limited thereto, and the origin for producing the operation place map data may be set at any position of the bank branch.

Referring to FIG. 5, after the bank robot 200 shown in FIG. 2 is installed at a bank branch, map data for an open operation place is produced through an initialization process of manufacturing operation place map data shown in FIG. 3. When the bank robot 200 is set, the bank robot 200 inputs a maximum bank robot 200 operating distance at which the bank robot 200 operates based on a wireless AP position provided at the bank robot 200 operating place. If the maximum bank robot 200 operating distance is input (505), the bank robot 200 sets the wireless AP position as an origin for producing the operation place map data (500). 510).

Thereafter, the bank robot 200 has no fixed object (or a quasi-fixed object or a shadow object) in the front / rear / left / right directions through the image recognition unit 280, or the fixed object at the longest distance. The direction in which the object (or the quasi-fixed object or the shadow object) is recognized as present is set as the moving direction of the bank robot 200 for producing the operation place map data (515).

Thereafter, the bank robot 200 recognizes a fixed object (or a quasi-fixed object or a shadow object) with respect to the moving direction through the image recognition unit 280 (520), and the fixed object based on the origin. (Or quasi-fixed object or shadow object) to check the movement position of the bank robot 200 with respect to the movement direction (525), through the autonomous movement means 290 provided in the bank robot 200 After the bank robot 200 is processed to move to the moved position of the identified bank robot 200, and after generating the movement distance and movement path information of the bank robot 200 (530), the generation The external boundary map data of the open operation location including the moved distance and the movement path information is generated and stored in the position control unit 243 (or the memory unit 260) provided in the bank robot 200 (535).

According to the exemplary embodiment of the present invention, the process of generating and storing map data up to the maximum operating distance of the bank robot 200 in the open operation place is performed by the bank robot 200 based on the origin. 200) It is preferable to repeat until the operating distance is reached.

If the bank robot 200 reaches the maximum bank robot 200 operating distance along one direction of the open operation place (540), the bank robot 200 is the current position reached by the bank robot 200 Is set as a reference point for producing external boundary map data (545), and the moving direction of the bank robot 200 in one direction not exceeding the maximum bank robot 200 operating distance based on the reference point (eg, After setting the origin and the direction within 90 degrees of a straight line connecting the current position of the bank robot 200 (550), the bank robot 200 is operated until the bank robot 200 returns to the reference point Repeat the process of creating the outer boundary map data of the place.

When the bank robot 200 returns to the reference point (555), the bank robot 200 performs a process of producing internal map data in the operating place shown in FIG.

FIG. 6 is a diagram illustrating a process of preparing internal map data for an operation location of a bank robot 200 according to an exemplary embodiment of the present invention.

In more detail, FIG. 6 shows that after the bank robot 200 shown in FIG. 2 is installed at a bank branch, an operation process for initializing production location map data shown in FIG. 3 and an outer boundary shown in FIG. In the case of performing the map data production process, the process of producing the internal map data for the operation place of the bank robot 200, if the person having ordinary knowledge in the technical field to which the present invention belongs, refer to this figure 6. And / or may be modified to infer various implementation methods for the process of producing the internal map data for the operation location of the bank robot 200, but the present invention includes all the implementation methods inferred. The technical features are not limited only to the implementation method shown in FIG.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 6 to external communication means (for example, a robot control communication channel between the bank robot 200 and a robot control device, or The process of downloading and storing the operation place map data through the wired communication means (not shown) provided in the bank robot 200 may be inferred, but the present invention includes all the inferable implementation methods. It is clear that this is obvious.

In addition, the implementation method illustrated in FIG. 6 illustrates an implementation method in which the bank robot 200 is initially installed at a bank branch, but the process of producing the operation place map data is applied only at the initial installation time. By no means, the interior of the operation site of the bank robot 200 can be changed periodically or repeatedly added according to the addition (or removal) of fixed objects (or quasi-fixed objects or shadow objects) according to the intention of those skilled in the art. The present invention is not limited thereby.

Referring to FIG. 6, after the bank robot 200 shown in FIG. 2 is installed at a bank branch, an operation process for initializing production location map data shown in FIG. 3 and an external boundary map shown in FIG. 4 or FIG. When the data production process is performed, the bank robot 200 may be configured to generate map data in the operation place based on the regression point (for example, the origin shown in FIG. 4 or the reference point shown in FIG. 5). i (i = 1) check the reference point position (600).

Here, it is preferable that the i (i = 1) reference point position for producing the operation place internal map data is identified as an arbitrary position in the direction of the operation place that does not deviate from the outer boundary.

Thereafter, the bank robot 200 recognizes a fixed object (or a quasi-fixed object or a shadow object) with respect to the i-th reference point direction through the image recognition means 280 (605), and recognizes the recognized fixed object ( Or a quasi-fixed object or a shadow object) to determine a moving position of the bank robot 200 for moving the bank robot 200 in the i-th reference point direction (610).

Thereafter, the bank robot 200 processes to move the position of the bank robot 200 to the movement position of the bank robot 200 through the autonomous movement means 290, and during the movement, the bank robot 200 of the bank robot 200 is moved. After generating the movement distance and the movement path information (615), and generates the internal map data of the operating place including the generated movement distance and the movement path information to position controller 243 provided in the bank robot 200 ( Or it is stored in the memory unit 260 (620).

Thereafter, the bank robot 200 sets the current position (eg, the i th reference point position) of the bank robot 200 as an i th reference point for producing the internal map data (625), and the bank robot Fixed object (or quasi-fixed object or shadow object) in one direction inside the outer boundary produced through the process of producing the outer boundary map data shown in FIG. 4 or FIG. 5 through the image recognition means 280 of 200. Recognize (630), and check the moving position of the bank robot 200 for moving the bank robot 200 in one direction inside the outer boundary by avoiding the recognized fixed object (or quasi-fixed object, or shadow object) (635).

Thereafter, the bank robot 200 processes the position of the bank robot 200 to move to the bank robot 200 moving position through the autonomous movement means 290, and moves the bank robot 200 during the movement. After generating the distance and the movement path information (640), and generates the internal map data of the operating place including the generated movement distance and the movement path information to the position control unit 243 (or provided in the bank robot 200) (or Memory 260 is stored in (645).

According to the exemplary embodiment of the present invention, it is preferable that the bank robot 200 repeats the above process until all fixed objects (or quasi-fixed objects or shadow objects) in the internal map data of the operation place are identified.

If there is an area where the fixed object (or the quasi-fixed object or the shadow object) is not identified in the internal map data of the operation place and the operation map data is not completed (650), the bank robot 200 For producing the internal location map data based on the i th reference point through the image recognition means 280 until the fixed object (or the quasi fixed object or the shadow object) in the internal map data of the operation place is identified. Confirm (i = i + 1) the reference point position (655), and recognize the fixed object (or quasi-fixed object or shadow object) in the i-th reference point direction through the image recognition means 280 Repeat the process of creating map data inside the place.

According to an exemplary embodiment of the present invention, the bank robot 200 is installed at an operation place through an external boundary map data production process shown in FIG. 4 or 5 and an internal map data production process shown in FIG. 6. Place map data is generated that includes location information for a fixed object (or quasi-fixed object, or shadow object).

7A and 7B illustrate a process in which the bank robot 200 moves to an operation position of the bank robot 200 on a bank branch according to an embodiment of the present invention.

In more detail, FIGS. 7A and 7B show operation site map data (or an external communication means) in which the bank robot 200 shown in FIG. 2 is manufactured through the process shown in FIGS. Based on the operation place map data), which does not interfere with the movement of the customer who visited the bank branch, and moves to the operation location of the bank robot 200 capable of processing a virtual face-to-face transaction with the customer who visited the bank branch. As shown in the drawings, a person skilled in the art may refer to and / or modify the drawings 7a and 7b to operate the bank robot 200 on a bank branch. Various implementation methods for the process of moving to a location may be inferred, but the present invention includes all the implementation methods inferred, and the implementation methods shown in FIGS. 7A and 7B are shown. The technical features are not limited only by law.

Referring to FIGS. 7A and 7B, the robot robot 200 and the robot control apparatus shown in FIG. 1 are moved through the wireless communication unit 245 before moving to the bank robot 200 operation position. Check whether the control communication channel is connected (700).

Here, the robot control communication channel periodically checks whether a communication channel is connected to the bank robot 200 in the robot control apparatus based on a wireless communication channel between the bank robot 200 and a wireless AP, and the bank robot Bank robot 200 monitoring channel for tracking the current position (or movement path) of the 200, operation mode confirmation channel for confirming the operation mode of the bank robot 200, remote operation mode of the bank robot 200 The bank transaction 200 processes the financial transaction (or financial product promotion) according to the financial transaction scenario (or the financial product promotion scenario) corresponding to the operation mode of the bank robot 200 in the bank robot 200. At least one operating scenario verification channel for verifying whether the operation is preferably made.

The bank robot 200 monitoring channel is out of the line of sight of the management staff who manages the bank robot 200 according to the movement characteristics of the bank robot 200 which is autonomously moving instead of fixed like the conventional CD / ATM. When the bank robot 200 is stolen or manipulated by a hacker while being out of the manager's line of sight, there is always a risk that the banking system may be exposed to the bank robot. It is preferable to include a communication channel for real-time monitoring whether the 200 is operating normally without theft, loss, malfunction, and tracking the current position (or movement path) of the bank robot 200. The operation state of the bank robot 200 monitored through the monitoring channel is stored in real time in the log information of the bank robot 200 provided in the robot control apparatus. It is desirable.

The operation mode confirmation channel may be selected between a conversation between the bank robot 200 and a target customer of a financial transaction (or financial product promotion) or a target of a financial transaction (or financial product promotion) of the target customer of the financial transaction (or financial product promotion). Preferably it comprises a communication channel for remotely confirming the operation mode of the bank robot 200 is automatically set according to, the operation mode of the bank robot 200 is confirmed through the operation mode confirmation channel is The bank robot 200 provided in the robot control device is preferably stored in real time.

The operation mode setting channel may include a communication channel for remotely setting an operation mode of the bank robot 200 to an operation mode for processing a specific financial transaction (or financial product promotion) in the robot control apparatus. The operation mode of the bank robot 200 set through the operation mode setting channel may be stored in real time in the log information of the bank robot 200 provided in the robot control apparatus.

In the operation scenario verification channel, the bank robot 200 is automatically set (or remotely set) as an operation mode for processing a specific financial transaction (or financial product promotion). And a communication channel for verifying whether the financial transaction (or financial product promotion) is properly processed according to the financial transaction scenario (or financial product promotion scenario) corresponding to the operation mode. Scenario verification information of the bank robot 200 to be verified through is preferably stored in real time in the bank robot 200 log information provided in the robot control device.

According to an embodiment of the present invention, the operation scenario verification channel performs a specific financial transaction scenario (or financial product promotion scenario) step in the bank robot 200, and then a verification value (or authentication value) for the scenario step. ) Is generated and transmitted to the robot control device, the robot control device preferably comprises a communication channel for approving (or authenticating) the verification value (or authentication value), and the verification value in the robot control device. After approving (or authenticating) (or authentication value), the bank robot 200 preferably performs the following scenario steps.

If the operation scenario is not verified while performing a financial transaction (or financial product promotion scenario) according to a specific financial transaction scenario (or financial product promotion scenario), the robot control apparatus may perform a financial transaction (or Financial product promotion) and the bank robot 200 may also cancel the financial transaction (or financial product promotion) for which the operation scenario is not verified.

If the robot control communication channel is connected between the bank robot 200 and the robot control apparatus (705), the bank robot 200 targets the customer who visited the bank branch from the robot control apparatus through the robot control communication channel. In operation 710, an operation command for financial transaction (or financial product promotion) is received.

According to an exemplary embodiment of the present invention, the operation command is based on the ignition function provided in the bank robot 200 to check the target of the financial transaction (or financial product promotion) the customer visiting the bank branch, the confirmation It is desirable to include an autonomous operation command to process the financial transaction (or financial product promotion).

According to another exemplary embodiment of the present invention, the operation command is a financial transaction target operation command for processing the bank robot 200 to handle a part of the window work performed at the bank branch provided with the bank robot 200. Preferably, the financial transaction target designation operation command is preferably received by the bank robot 200 together with the operation mode setting information.

If the operation command is received through the robot control communication channel (715), the bank robot 200 is not obstructed by the customer's copper wire in the bank branch (or public transport) through the image recognition means 280 In operation 720, the bank robot 200 determines a location of the bank robot 200 to approach the customer at a short distance. The bank robot 200 is located at the current location of the bank robot 200 based on the operation map data and the copper wire control data. The movement route information is set up to the operation position (725).

Thereafter, the bank robot 200 moves the position of the bank robot 200 to the identified operation position of the bank robot 200 along the movement path through the autonomous movement means 290. The location information of the bank robot 200 is transmitted to the robot control apparatus through a robot control communication channel, and the data is stored in the log information of the bank robot 200 (730).

In addition, the bank robot 200 confirms whether the customer approaches the front (or movement path) of the bank robot 200 through the image recognition means 280 while moving to the bank robot 200 operation position ( 735).

If it is not confirmed that the customer approaches the front of the bank robot 200 during the movement of the bank robot 200 (for example, before arriving at the operation position of the bank robot 200) (740), the bank robot (200) checks whether the current location of the bank robot 200 has arrived at the operating position of the bank robot 200 based on the operation place map data and the copper wire control data (775), the bank robot 200 is The process is repeated until the bank robot 200 arrives at the operating position.

If the position of the bank robot 200 reaches the operating position of the bank robot 200 (780), the bank robot 200 is to determine the position of the bank robot 200 through the autonomous movement means 290 It stops the movement (785), and transmits the position information of the bank robot 200 to the robot control device through the robot control communication channel (790).

On the other hand, when it is confirmed that the customer approaches the front of the bank robot 200 during the movement of the bank robot 200 (for example, before arriving at the operation position of the bank robot 200), the bank robot ( The operation 200 determines whether the current location of the bank robot 200 interferes with the movement of the customer who visited the bank branch based on the operation place map data and the movement control data (745).

If the current location of the bank robot 200 does not interfere with the movement of the customer who visited the bank branch (750), the bank robot 200 may determine the current location of the financial transaction (or financial product promotion) corresponding to the operation command. Reset the bank robot 200 to an operating position (755), stop moving the position of the bank robot 200 through the autonomous movement means 290 (785), and set the robot control communication channel. The location information of the bank robot 200 is transmitted to the robot control apparatus 790.

If the current location of the bank robot 200 interferes with the movement of the customer visiting the bank branch (750), the bank robot 200 is moved to the operation position of the bank robot 200 through the voice output means 263. After the customer location change request speech is processed to be output as voice (760), the screen recognition unit checks whether the location of the customer located in front of the bank robot 200 (or the movement path) is changed (765).

If the location of the customer located in front (or movement path) of the bank robot 200 is changed (770), the bank robot 200 is the bank robot 200 based on the operation place map data and the copper wire control data Check whether the current position of has arrived at the operating position of the bank robot 200 (775), and repeats the above process until the bank robot 200 arrives at the operating position of the bank robot 200.

If the position of the bank robot 200 reaches the operating position of the bank robot 200 (780), the bank robot 200 is to determine the position of the bank robot 200 through the autonomous movement means 290 It stops the movement (785), and transmits the position information of the bank robot 200 to the robot control device through the robot control communication channel (790).

8A and 8B illustrate an operation mode setting process of the bank robot 200 according to an exemplary embodiment of the present invention.

In more detail, FIGS. 8A and 8B show that the bank robot 200 shown in FIG. 2 moves to the operation position of the bank robot 200 through the position movement process of the bank robot 200 shown in FIGS. Then, the financial transaction (or financial product promotion) to the financial transaction (or financial product promotion) target customers through the financial transaction (or financial product promotion) induced speech and customer voice recognition at least one customer in the operating position of the bank robot 200 Merchandise promotion) is a process for automatically setting the operation mode of the bank robot 200 for processing, and those skilled in the art to which the present invention pertains, refer to and / or modify the present drawings 8a and 8b. Although various implementation methods for the operation mode setting process of the bank robot 200 may be inferred, the present invention includes all the implementation methods inferred, and FIGS. 8A and 8B. The technical features are not limited only to the implementation method shown in FIG.

Referring to FIGS. 8A and 8B, the bank robot 200 shown in FIG. 2 is moved to the operation position of the bank robot 200 through a process of moving the bank robot 200 shown in FIGS. 7A and 7B. Thereafter, the image recognition means 280 recognizes a plurality of customers located in front of the bank robot 200 (800), and the target customer of the financial transaction (or financial product promotion) among the recognized plurality of customers. Recognize (805).

According to the exemplary embodiment of the present invention, the image recognition unit 285 means is located closest to the image recognition means 280 among the plurality of customers located in front of the bank robot 200 (for example, It is desirable to recognize a customer having a short focal length or a small depth value as the target customer of the financial transaction (or financial product promotion).

According to another exemplary embodiment of the present disclosure, the image recognition means 280 may have a line of sight (LOS) coinciding with the image recognition means 280 among a plurality of customers located in front of the bank robot 200 ( For example, among customers who are looking at the bank robot 200, a customer who is ignited toward the bank robot 200 (eg, the lips are moving in the face of the customer) is subject to the financial transaction (or financial product promotion). It is desirable to be recognized as a customer.

Thereafter, the bank robot 200 checks whether the target customer of the financial transaction (or financial product promotion) is uttered through the image recognition unit 280 and the voice input unit 270 (810).

According to the exemplary embodiment of the present invention, the bank robot 200 is uttered by the target customer of the financial transaction (or financial product promotion) through the image recognition means 280 (for example, the lips of the customer face are moving). It is preferable to check whether the customer targeted for the financial transaction (or financial product promotion) is uttered by checking whether the voice of the customer is input through the voice input means 270 in synchronization with the utterance of the customer. .

If the verification result does not confirm that the customer targeted for the financial transaction (or financial product promotion) is ignited (815), the bank robot 200 performs a financial transaction (or financial) for the financial transaction (or financial product promotion) customer. Merchandise promotion) confirm the induced speech information (820), and after the financial transaction (or financial product promotion) induced speech information is uttered through the audio output means 263 to output the audio (825), the image recognition means ( 280 and the voice input means 270 to determine whether the customer response according to the induction of the financial transaction (or financial product promotion) is uttered from the financial transaction (or financial product promotion) customer (830). When the speech is confirmed (835), the bank robot 200 recognizes the customer response speech input through the voice input unit 270 and checks whether it matches the expected customer response information (880).

On the other hand, if it is confirmed that the customer targeted for the financial transaction (or financial product promotion) is uttering (815), the bank robot 200 recognizes the customer utterance and checks whether the customer utterance prediction information is matched. (840).

If the voice-recognized information does not match the customer utterance prediction information (845), the bank robot 200 may generate financial transaction (or financial product promotion) induced speech information for the financial transaction (or financial product promotion) customer. After confirming (820) and vocally outputting the financial transaction (or financial product promotion) induced speech information through the voice output means 263 (825), the image recognition means 280 and the voice input means ( In operation 270, the customer response according to the induction of the financial transaction (or financial product promotion) is uttered from the financial transaction (or financial product promotion) customer (830). In operation 880, the bank robot 200 recognizes the customer response speech inputted through the voice input means 270 to match the expected customer response information.

On the other hand, if the voice-recognized information matches the customer speech prediction information (845), the bank robot 200 reads the customer speech prediction information to identify a financial transaction (or financial product promotion) target requested by the customer. (850).

If the financial transaction (or financial product promotion) target requested by the customer is confirmed (855), the bank robot 200 determines the operation mode of the bank robot 200 to the confirmed financial transaction (or financial product promotion). The operation mode corresponding to the object is set (894), and the operation mode information of the bank robot 200 is transmitted to the robot control apparatus through the robot control communication channel (896).

On the other hand, if the financial transaction (or financial product promotion) target requested by the customer is not confirmed (855), the bank robot 200 is the financial transaction (or financial product) of the best response speech information associated with the customer ignition prediction information After confirming the best response speech information to induce (information) (860), and outputs the best response speech information through the voice output means 263 (865), the image recognition means 280 and the voice input means In operation 870, the customer response according to the legitimate response speech is uttered from the financial transaction (or financial product promotion) client. If the customer's response speech is confirmed (875), the bank robot ( The voice 200 recognizes the customer response speech input through the voice input means 270 and checks whether it matches the customer expected response information (880).

If the voice recognition information of the customer response speech does not match the customer expected response speech information (885), the bank robot 200 performs a financial transaction (or financial product promotion) for the financial transaction (or financial product promotion) customer. After confirming the induced speech information (820), and vocally outputting the financial transaction (or financial product promotion) induced speech information through the voice output means 263 (825), the image recognition means 280 And through the voice input means 270 to determine whether the customer response according to the induction of the financial transaction (or financial product promotion) is uttered from the financial transaction (or financial product promotion) customer (830). If it is confirmed (835), the bank robot 200 recognizes the customer response speech inputted through the voice input means 270 and re-confirms whether it matches the customer expected response information (880).

On the other hand, when the voice recognition information of the customer response speech is matched with the customer expected response speech information (885), the bank robot 200 reads the customer expected response speech information to request a financial transaction (or finance) Product promotion) to confirm the target (890).

If the financial transaction (or financial product promotion) target requested by the customer is confirmed (892), the bank robot 200 determines the operation mode of the bank robot 200 in the identified financial transaction (or financial product promotion). The operation mode corresponding to the object is set (894), and the operation mode information of the bank robot 200 is transmitted to the robot control apparatus through the robot control communication channel (896).

9 is a diagram illustrating an operation mode setting process of the bank robot 200 according to another exemplary embodiment of the present invention.

In more detail, in FIG. 9, after the bank robot 200 shown in FIG. 2 is moved to the operation position of the bank robot 200 through a position moving process of the bank robot 200 shown in FIGS. 7A and 7B, After outputting a financial transaction (or financial product promotion) selection interface to the screen output device provided in the bank robot 200 at the operating position of the bank robot 200, the financial transaction (or financial product promotion) selection is performed according to the selection. Regarding the process of manually setting the operation mode of the bank robot 200, those skilled in the art to which the present invention pertains will refer to and / or modify the drawing 9 and the operation mode of the bank robot 200. Various implementation methods for the setting process may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG. .

Referring to FIG. 9, the bank robot 200 shown in FIG. 2 moves to the operation position of the bank robot 200 through a position moving process of the bank robot 200 shown in FIGS. 7A and 7B. The image recognition means 280 recognizes a plurality of customers located in front of the bank robot 200 (900), and recognizes a target of a financial transaction (or financial product promotion) among the recognized plurality of customers. (905).

According to the exemplary embodiment of the present invention, the image recognition unit 285 means is located closest to the image recognition means 280 among the plurality of customers located in front of the bank robot 200 (for example, It is desirable to recognize a customer having a short focal length or a small depth value as the target customer of the financial transaction (or financial product promotion).

According to another exemplary embodiment of the present disclosure, the image recognition means 280 may have a line of sight (LOS) coinciding with the image recognition means 280 among a plurality of customers located in front of the bank robot 200 ( For example, among customers who are looking at the bank robot 200, a customer who is ignited toward the bank robot 200 (eg, the lips are moving in the face of the customer) is subject to the financial transaction (or financial product promotion). It is desirable to be recognized as a customer.

Thereafter, the bank robot 200 outputs a financial transaction (or financial product promotion) selection interface to the screen output device and checks whether a target of the financial transaction (or financial product promotion) is selected through a key input (910). .

If the financial transaction (or financial product promotion) object is selected (915), the bank robot 200 operates an operation mode of the bank robot 200 corresponding to the selected financial transaction (or financial product promotion) object. Set the mode (920), and transmits the operation mode information of the bank robot 200 to the robot control device through the robot control communication channel (925).

10 is a diagram illustrating an operation mode setting process of the bank robot 200 according to another exemplary embodiment of the present invention.

In more detail, in FIG. 10, after the bank robot 200 shown in FIG. 2 is moved to the operation position of the bank robot 200 through a process of moving the bank robot 200 shown in FIGS. 7A and 7B, Receiving operation mode setting information from the robot control apparatus shown in FIG. 1 at the operation position of the bank robot 200 to remotely operate the operation mode of the bank robot 200 to the operation mode corresponding to the received operation mode setting information. As for the setting process, those skilled in the art to which the present invention pertains, various analogous method for the operation mode setting process of the bank robot 200 by referring to and / or modifying the drawing 10. Although the present invention may be performed, the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 10, the bank robot 200 shown in FIG. 2 moves to the operation position of the bank robot 200 through a position moving process of the bank robot 200 shown in FIGS. 7A and 7B. The bank robot 200 checks whether operation mode setting information is received from the robot control apparatus illustrated in FIG. 1 through the robot control communication channel (1000).

If the operation mode setting information is not received from the robot control apparatus (1005), the bank robot 200 may perform the automatic setting of the operation mode of the bank robot 200 shown in FIGS. 8A and 8B according to induction of speech. The operating mode of the bank robot 200 is automatically set or the operating mode of the bank robot 200 is manually set according to a screen selection through a process of manually setting the operating mode of the bank robot 200 shown in FIG. 9 ( 1010).

On the other hand, when the operation mode setting information is received from the robot control apparatus (1005), the bank robot 200 confirms the financial transaction (or financial product promotion) induced speech information corresponding to the received operation mode setting information (1015). In operation 1020, the image recognition means 280 recognizes a target customer of a financial transaction (or a financial product) among a plurality of customers located in front of the bank robot 200.

According to the exemplary embodiment of the present invention, the image recognition unit 285 means is located closest to the image recognition means 280 among the plurality of customers located in front of the bank robot 200 (for example, It is desirable to recognize a customer having a short focal length or a small depth value as the target customer of the financial transaction (or financial product promotion).

According to another exemplary embodiment of the present disclosure, the image recognition means 280 may have a line of sight (LOS) coinciding with the image recognition means 280 among a plurality of customers located in front of the bank robot 200 ( For example, among customers who are looking at the bank robot 200, a customer who is ignited toward the bank robot 200 (eg, the lips are moving in the face of the customer) is subject to the financial transaction (or financial product promotion). It is desirable to be recognized as a customer.

Thereafter, the bank robot 200 utters another financial transaction (or financial product promotion) utterance information in the operation mode setting to the identified financial transaction (or financial product promotion) target customer through the voice output means 263. And outputting the voice (1025), and the customer response according to the financial transaction (or financial product promotion) induction from the target customer of the financial transaction (or financial product promotion) through the image recognition means 280 and the voice input means 270. In operation 1030, it is checked whether the speech is inputted.

If the customer's response utterance according to the financial transaction (or financial product promotion) is confirmed (1035), the bank robot 200 recognizes the customer's response utterance and voices the expected customer response information according to the operation mode setting. Check whether it matches with (1040).

If the voice-recognized customer utterance does not match customer anticipated response information according to the operation mode setting (1045), the bank robot 200 performs the confirmed financial transaction (or financial product) through the voice output means 263. Promotion) The process of uttering another financial transaction (or financial product promotion) utterance information and outputting voice to the target customer is repeated.

On the other hand, if the voice-recognized customer speech is matched with the customer expected response information according to the operation mode setting (1045), the bank robot 200 operates the operation mode of the bank robot 200 corresponding to the operation mode setting information. In operation 1050, the bank robot 200 transmits operation mode information to the robot control apparatus through the robot control communication channel in operation 1055.

11 is a diagram illustrating a virtual face-to-face authentication process for financial transactions of the virtual face-to-face transaction method through the bank robot 200 according to an embodiment of the present invention.

In more detail, in FIG. 11, the operation mode of the bank robot 200 shown in FIG. 2 is automatically set in the operation mode of the bank robot 200 shown in FIGS. 8A and 8B, or the bank robot shown in FIG. (200) When the banking mode is set to the financial transaction mode through the operation mode manual setting process, or any one operation mode setting process of the bank robot 200 operation mode remote setting process shown in Figure 10, the bank robot 200 In the virtual face-to-face authentication process for processing the virtual transaction type financial transaction in accordance with the financial transaction scenario according to the set operation mode, if you have ordinary knowledge in the technical field to which the present invention belongs, refer to FIG. And / or may be modified to infer various implementation methods for the virtual face-to-face authentication process for the financial face-to-face financial transaction through the bank robot 200. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG.

For example, the method shown in FIG. 11 is described as being performed to perform the virtual face-to-face authentication process after the operation mode of the bank robot 200 is set for convenience. However, the virtual face-to-face authentication process is not limited thereto. It is apparent that it may be provided at any point before the financial transaction is completed according to the financial transaction scenario provided in the bank robot 200.

Referring to FIG. 11, the bank robot 200 shown in FIG. 2 is a process of automatically setting an operation mode of the bank robot 200 shown in FIGS. 8A and 8B, or the bank robot 200 shown in FIG. Check whether the operation mode of the bank robot 200 is set to the financial transaction mode through the operation mode manual setting process or the operation mode setting process of the bank robot 200 operation mode remote setting process shown in FIG. If the operation mode of the bank robot 200 is set to the financial transaction mode (1105), the bank robot 200 may set the operation mode (eg, the financial transaction mode) from the memory unit 260. Predetermined financial transaction scenario information corresponding to () is selected (1110).

Herein, the selected financial transaction scenario information may include the financial transaction under the financial transaction conditions of the customer, among at least one financial transaction scenario capable of processing the financial transaction requested by the customer in the set operation mode of the bank robot 200. It is preferable to include scenario information that can be processed most efficiently.

For example, when the customer has a bank account (or card) equipped with an RFID tag, the financial transaction scenario information may include a procedure for reading financial-related RIFD information from an RFID tag included in the bank account (or card). It is desirable to include a trading scenario.

According to the exemplary embodiment of the present invention, the financial transaction scenario information corresponding to the operation mode of the bank robot 200 may not be authenticated by the customer who is the financial transaction in the operation mode of the bank robot 200 without face-to-face authentication. Virtual face-to-face authentication scenarios for processing virtual face-to-face authentication with the bank robot 200 on behalf of the counter staff, and the bank robot through the screen output unit 247 before and after the face-to-face face-to-face scenario. Interface output scenario information for outputting at least one financial transaction interface screen to the screen output device provided at 200 and at least through a key input device provided in the bank robot 200 based on the financial transaction interface screen. Information input scenario information for processing one or more financial transaction information to be input; Card (or bank account) reading scenario information for reading financial information from the MS / IC chip included in the card (or bank account) possessed by the card (or bank account) and RFID tag provided in the card (or bank account) possessed by the customer for the financial transaction RFID reading scenario information for reading financial-related RFID information from the information, information verification scenario information for verifying whether the input financial transaction information, or the read financial information, or financial-related RFID information is valid according to a scenario; Information transceiving scenario information for transmitting financial transaction request information including at least one input (or read) information through the financial transaction communication channel, and receiving financial transaction processing information corresponding to the financial transaction request information; Banking the at least one financial transaction request information input (or reading) in accordance with the information input scenario information It is made to documents containing (or transaction application) and the electronic document generation scenario information for generating an electronic document consisting of a form, including, financial transaction canceled scenario information, and sequentially in accordance with the sequence of steps is preferred.

If the financial transaction scenario corresponding to the set operation mode of the bank robot 200 is selected (1115), the bank robot 200 corresponds to the selected financial transaction scenario information to the robot control apparatus through the robot control communication channel. By transmitting the scenario selection information (1120), the banking scenario information selected by the bank robot 200 is processed to be included in the bank robot 200 log information.

Thereafter, the bank robot 200 outputs the virtual face authentication interface according to the virtual face authentication scenario included in the selected financial transaction scenario to the screen output device (1125).

Here, the virtual face authentication interface requests to recognize the face image data of the customer through the image recognition means 280 provided in the bank robot 200, the identification card scanning device provided in the bank robot 200 It is preferable to include a user interface for requesting to scan the identification card of the customer.

When the virtual face authentication interface is output, the bank robot 200 recognizes the face image data of the customer through the image recognition means 280 based on the virtual face authentication interface (1130), and the recognized face Facial recognition data is recognized (1135) including the pattern of the customer's face (eg, relative positions, shapes, directions, etc. of the eyes, nose, mouth, and ears) from the image data.

In addition, the bank robot 200 generates the identification image content of the customer through the identification card scanning apparatus based on the virtual face-to-face authentication interface (1140), and the customer image data (for example, the customer image data for the customer from the identification image content) Check the image data corresponding to the customer ID photo included in the identification card (1145), and the pattern of the face of the customer (e.g., the relative position, shape, and orientation of the eye, nose, mouth, and ear) from the confirmed customer image data. Customer image recognition data including the &lt; RTI ID = 0.0 &gt;

If the face recognition data of the customer is recognized based on the face image data recognized by the image recognition means 280 (1155), the customer image recognition data is stored from the ID image content recognized by the identification card scanning apparatus. When it is recognized (1160), the bank robot 200 processes the virtual face-to-face authentication for the financial transaction target customer by comparing the face recognition data of the customer and the customer image recognition data (1165).

If the virtual face authentication is not confirmed (1170), the bank robot 200 cancels the financial transaction for the customer (1175), and cancels the financial transaction to the robot control device through the robot control communication channel. By transmitting the information (1180), the bank robot 200 processes the financial transaction cancellation information to be stored in log information.

On the other hand, if the virtual face-to-face authentication is confirmed (1170), the bank robot 200 performs a financial transaction process through the bank robot 200 shown in Figures 12a and 12b.

12A and 12B illustrate a financial transaction process of a virtual face-to-face transaction method through a bank robot 200 according to an embodiment of the present invention.

12A and 12B show an operation mode of the bank robot 200 shown in FIG. 2 automatically setting the operation mode of the bank robot 200 shown in FIGS. 8A and 8B, or shown in FIG. After the bank robot 200 is set to the financial transaction mode through a process of manually setting the operation mode, or any one of the bank robot 200 operation mode remote setting process shown in FIG. When the virtual face-to-face authentication is confirmed through the illustrated virtual face-to-face authentication process, the bank robot 200 processes a virtual face-to-face financial transaction according to the financial transaction scenario according to the set operation mode. Those skilled in the art may refer to and / or modify the drawings 12a and 12b in the financial transaction process of the virtual face-to-face transaction method through the bank robot 200. Would be able to infer a variety of exemplary methods, the present invention is made, including any exemplary way in which the inference, not exclusively those technical features of only the exemplary method shown in the figure 12a and figure 12b.

12A and 12B, the bank robot 200 shown in FIG. 2 is configured to automatically set the operation mode of the bank robot 200 shown in FIGS. 8A and 8B, or the bank robot shown in FIG. (200) The operation mode of the bank robot 200 is set to the financial transaction mode through the manual operation of the operation mode or the operation of setting the operation mode of the bank robot 200 remotely shown in FIG. After the virtual face-to-face authentication is confirmed through the virtual face-to-face authentication process shown in FIG. 11, the bank robot 200 sets the m-th according to the interface output scenario information included in the selected financial transaction scenario. (m = 1) The financial transaction interface is output (1200).

Here, the first financial transaction interface is different depending on the type of financial transaction, and even the same financial transaction may vary according to the financial transaction procedure defined by each bank, and the technical features of the present invention are determined by the characteristics of the first financial transaction interface. It is clear that it is not constrained.

Thereafter, the bank robot 200 determines whether at least one or more pieces of information are input (or read) according to the information input scenario information included in the financial transaction scenario information through the m-th financial transaction interface (1205).

The information input through the m-th financial transaction interface according to the information input scenario may include financial transaction information input through a key input device provided in the bank robot 200, financial information read through a card reader device, and RFID. It is preferable to include at least one or more financial-related RFID information read through the reader device.

If at least one or more information is input (or read) according to the information input scenario information through the m-th financial transaction interface (1210), the bank robot 200 may verify information verification scenario information included in the financial transaction scenario information. In operation 1215, the robot side scenario verification validity of the information input (or read) through the m-th financial transaction interface is verified.

Herein, the information verification scenario information authenticates each information input step according to the information input scenario, or authenticates each card (or bankbook) reading step according to a card (or bankbook) reading scenario, or the RFID reading scenario information. Preferably, the authentication value for authenticating each RFID reading step and an authentication algorithm are included. The robot side scenario validation validation is based on the authentication value and the authentication algorithm. It is preferable to include authenticating validity.

If the robot side scenario verification validity is not confirmed (1220), the bank robot 200 cancels the financial transaction and transmits the scenario verification validity error information to the robot control apparatus through a robot control communication channel ( 1225), the scenario verification validity error information is stored in the bank robot 200 log information, and the robot control apparatus processes to cancel the financial transaction.

On the other hand, if the robot side scenario verification validity is confirmed (1220), the bank bot 200 transmits the scenario verification request information to the robot control apparatus through the robot control communication channel to control the scenario validity in the robot control apparatus. Proceed to verify (1230).

Here, the scenario verification request information may include a verification value (or an authentication value) generated according to the robot side scenario verification validity verification result. If the scenario step is valid, the robot control apparatus may verify the verification value. (Or authentication value) is preferably authenticated.

Thereafter, the bank robot 200 checks whether the control side scenario validity is verified through the robot control communication channel (1235).

If the control side scenario validity is not verified (1240), the bank robot 200 cancels the financial transaction and transmits the scenario verification validity error information to the robot control apparatus through a robot control communication channel (1225). ), The scenario verification validity error information is stored in the bank robot 200 log information, and the robot control apparatus processes the cancellation of the financial transaction.

On the other hand, when the validity of the control-side scenario is verified (1240), the bank robot 200 may include at least one or more inputs (or readings) through the m-th financial transaction interface according to information transmission / reception scenario information included in the financial transaction scenario. In operation 1245, the financial transaction request information including the information is transmitted to the robot control apparatus.

If the financial transaction request information is not transmitted to the robot control apparatus according to the information transmission / reception scenario information (1250), the bank robot 200 transmits the m-m corresponding to the financial transaction scenario to the screen output device (m = m). +1) outputting a financial transaction interface (1255) and checking whether at least one or more information is input (or reading) according to the information input scenario information included in the financial transaction scenario information through the m-th financial transaction interface; Repeat.

On the other hand, if the financial transaction request information is transmitted to the robot control apparatus according to the information transmission and reception scenario information (1250), the bank robot 200 according to the information transmission and reception scenario information included in the financial transaction scenario information, the robot control apparatus. And the financial transaction communication channel (1260).

Here, the financial transaction communication channel is a communication channel for processing a financial transaction requested by the financial transaction target customer through the bank robot 200 based on a wireless communication channel between the bank robot 200 and a wireless AP. Various information (or data) transmitted and received through the financial transaction communication channel is preferably verified in real time through the operation scenario verification channel of the robot control communication channel.

Those skilled in the art to which the present invention pertains include an information (or data) structure that is transmitted and received to process financial transactions according to a financial transaction procedure defined by a bank operating the bank robot 200, and the transmission and reception thereof. Since the order can be inferred, a detailed description thereof will be omitted for convenience.

Thereafter, the bank robot 200 transmits financial transaction request information including the input (or read) information according to the information transmission / reception scenario information included in the financial transaction scenario information (1265), and the information transmission / reception scenario information. In operation 1270, it is determined whether the financial transaction processing information corresponding to the financial transaction request information is received from the robot control apparatus.

If the financial transaction processing information is received according to the information transmission and reception scenario information (1275), the bank robot 200 outputs the financial transaction processing information to a screen output device, and the financial transaction is completed according to the financial transaction scenario. Check whether it is (1280).

If the financial transaction is not completed according to the financial transaction scenario (1285), the bank robot 200 outputs the (m = m + 1) financial transaction interface corresponding to the financial transaction scenario to the screen output device. In operation 1255, the process of checking whether at least one or more information is input (or read) is input according to the information input scenario information included in the financial transaction scenario information through the m-th financial transaction interface.

On the contrary, when the financial transaction is completed according to the financial transaction scenario (1285), the bank robot 200 transmits the financial transaction result to the robot control apparatus through the robot control communication channel (1290). 200) The financial transaction result is stored in log information.

FIG. 13 is a diagram illustrating an electronic document generation process corresponding to a virtual face-to-face financial transaction through the bank robot 200 according to an embodiment of the present invention.

In more detail, in FIG. 13, the operation mode of the bank robot 200 shown in FIG. 2 is automatically set in the operation mode of the bank robot 200 shown in FIGS. 8A and 8B, or the bank robot shown in FIG. (200) After the operation mode is manually set or the bank robot 200 shown in FIG. 10 is set to the financial transaction mode through any one of the operation mode setting processes, the finance shown in FIG. When a virtual face-to-face authentication financial transaction is processed through a transaction process, a process of generating an electronic document corresponding to the virtual face-to-face authentication financial transaction, and having a general knowledge in the technical field to which the present invention belongs, By referring to and / or modifying the drawing 13, various implementation methods for the electronic document generation process corresponding to the virtual face-to-face financial transaction through the bank bot 200 may be inferred. Yet, the present invention is composed, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 13.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 13 to convert an electronic document corresponding to a virtual face-to-face financial transaction through the bank robot 200 in the robot control apparatus. An implementation method (for example, the robot controller receives the financial transaction request information and the financial transaction processing information from the bank robot 200 through the financial transaction communication channel, and based on the received financial transaction request information and the financial transaction processing information). It will be possible to infer an implementation method for generating an electronic document), the present invention is characterized in that it comprises all the implementation methods inferred.

Referring to FIG. 13, when a virtual face-to-face authentication financial transaction is processed through the financial transaction process illustrated in FIG. 12, the bank robot 200 may generate the bank robot according to the electronic document generation scenario included in the financial transaction scenario. Check the electronic document format for each financial transaction corresponding to the operation mode (for example, the financial transaction mode) (1300), the financial transaction request information inputted (or read) during the financial transaction process shown in FIG. Among the financial transaction processing information received through the robot control apparatus after the financial transaction processing, the electronic document insertion target information of at least one financial transaction to be included in the electronic document form is checked (1305).

If the electronic document insertion target information included in the electronic document is identified from the financial transaction request information and the financial transaction processing information (1310), the bank robot 200 determines the electronic document insertion target according to the electronic document generation scenario. The electronic document is generated by including the information in the electronic document format for each financial transaction (1315).

According to an embodiment of the present invention, it is preferable that the electronic document generated after the financial transaction corresponding to the financial transaction request information is automatically attached with the electronic signature of the employee managing the bank robot 200.

According to an embodiment of the present invention, the electronic document is an electronic data interchange (EDI) file, a portable document format (PDF) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT. It is preferable to include at least one, and may include a separate electronic document file format according to the intention of those skilled in the art.

Those skilled in the art will be able to infer an electronic document format structure including a slip (or transaction application) form for each financial transaction defined by each bank, so a detailed description thereof is omitted for convenience. Shall

If the electronic document including the electronic document insertion target information in the electronic document form is generated (1320), the bank robot 200 stores (not shown) the electronic document for each financial transaction in the memory unit 260 or not. Or transmit the electronic transaction to the robot control apparatus through the financial transaction communication channel (1325), and the robot control apparatus transmits the received electronic document to an electronic document server on a communication network.

14 is a diagram illustrating a virtual face-to-face authentication process for support of a window transaction through the bank robot 200 according to an embodiment of the present invention.

In more detail, in FIG. 14, the operation mode of the bank robot 200 shown in FIG. 2 is automatically set in the operation mode of the bank robot 200 shown in FIGS. 8A and 8B, or the bank robot shown in FIG. (200) is set to the electronic document mode for generating an electronic document for the window transaction through the operation mode manual setting process, or any one operation mode setting process of the bank robot 200 operation mode remote setting process shown in FIG. In this case, the bank robot 200 is for a virtual face-to-face authentication process for processing the financial transaction of the virtual transaction method according to the financial transaction scenario according to the set operation mode, having a general knowledge in the technical field to which the present invention belongs In this case, various implementation methods for the virtual face-to-face authentication process for supporting the window transaction through the bank robot 200 can be inferred by referring to and / or modifying the drawing 14. Although there will be, the present invention includes all the practice methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

For example, although the embodiment shown in FIG. 14 is illustrated for convenience of performing the virtual face-to-face authentication process after the operation mode of the bank robot 200 is set for convenience, the virtual face-to-face authentication process is not limited thereto. It is apparent that it may be provided at any point before the financial transaction is completed according to the financial transaction scenario provided in the bank robot 200.

Referring to FIG. 14, the bank robot 200 shown in FIG. 2 is configured to automatically set the operation mode of the bank robot 200 shown in FIGS. 8A and 8B, or the bank robot 200 shown in FIG. The operation mode of the bank robot 200 generates a window transaction electronic document through an operation mode setting process or one of the operation mode setting process of the bank robot 200 operation mode remote setting process shown in FIG. If the operation mode of the bank robot 200 is set to the electronic document mode (1405), the bank robot 200 is set from the memory unit 260. The predetermined financial transaction scenario information corresponding to the operation mode (eg, the electronic document mode) is selected (1410).

Herein, the selected financial transaction scenario information may include the financial transaction under the financial transaction conditions of the customer, among at least one financial transaction scenario capable of processing the financial transaction requested by the customer in the set operation mode of the bank robot 200. It is preferable to include scenario information that can be processed most efficiently.

For example, when the customer has a bank account (or card) equipped with an RFID tag, the financial transaction scenario information may include a procedure for reading financial-related RIFD information from an RFID tag included in the bank account (or card). It is desirable to include a trading scenario.

According to the exemplary embodiment of the present invention, the financial transaction scenario information corresponding to the operation mode of the bank robot 200 may not be authenticated by the customer who is the financial transaction in the operation mode of the bank robot 200 without face-to-face authentication. Virtual face-to-face authentication scenarios for processing virtual face-to-face authentication with the bank robot 200 on behalf of the counter staff, and the bank robot through the screen output unit 247 before and after the face-to-face face-to-face scenario. Interface output scenario information for outputting at least one financial transaction interface screen to the screen output device provided at 200 and at least through a key input device provided in the bank robot 200 based on the financial transaction interface screen. Information input scenario information for processing one or more financial transaction information to be input, and the target customer of the financial transaction; Card (or bank account) reading scenario information for reading financial information from the MS / IC chip included in the card (or bank account) possessed by the card (or bank account) and RFID tag provided in the card (or bank account) possessed by the customer for the financial transaction RFID reading scenario information for reading financial-related RFID information from the information, information verification scenario information for verifying whether the input financial transaction information, or the read financial information, or financial-related RFID information is valid according to a scenario; Information transceiving scenario information for transmitting financial transaction request information including at least one input (or read) information through the financial transaction communication channel, and receiving financial transaction processing information corresponding to the financial transaction request information; Banking the at least one financial transaction request information input (or reading) in accordance with the information input scenario information It is made to documents containing (or transaction application) and the electronic document generation scenario information for generating an electronic document consisting of a form, including, financial transaction canceled scenario information, and sequentially in accordance with the sequence of steps is preferred.

If the financial transaction scenario corresponding to the set operation mode of the bank robot 200 is selected (1415), the bank robot 200 corresponds to the selected financial transaction scenario information to the robot control apparatus through the robot control communication channel. By transmitting the scenario selection information 1420, the banking scenario information selected by the bank robot 200 is included in the bank robot 200 log information.

Thereafter, the bank robot 200 outputs the virtual face authentication interface according to the virtual face authentication scenario included in the selected financial transaction scenario to the screen output device (1425).

Here, the virtual face authentication interface requests to recognize the face image data of the customer through the image recognition means 280 provided in the bank robot 200, the identification card scanning device provided in the bank robot 200 It is preferable to include a user interface for requesting to scan the identification card of the customer.

When the virtual face authentication interface is output, the bank robot 200 recognizes the face image data of the customer through the image recognition means 280 based on the virtual face authentication interface (1430), and the recognized face Facial image recognition data including the pattern of the customer's face (eg, relative positions, shapes, directions, etc. of the eyes, nose, mouth, and ears) is recognized from the image data (1435).

In addition, the bank robot 200 generates the identification image content of the customer through the identification card scanning apparatus based on the virtual face-to-face authentication interface (1440), and the customer image data (for example, the customer image data for the customer from the identification image content) The image data corresponding to the customer ID picture included in the identification card (1445), and the pattern of the customer's face (eg, relative positions, shapes, directions, etc. of the eyes, nose, mouth, and ears) from the confirmed customer image data. Recognize the customer image recognition data including the (1450).

If the face recognition data of the customer is recognized based on the face image data recognized by the image recognition means 280 (1455), the customer image recognition data is stored from the ID image content recognized by the identification card scanning apparatus. When it is recognized (1460), the bank robot 200 processes the virtual face-to-face authentication for the target customer of the financial transaction by comparing the face recognition data of the customer and the customer image recognition data (1465).

If the virtual face-to-face authentication is not confirmed (1470), the bank robot 200 cancels the financial transaction for the customer (1475), and cancels the financial transaction to the robot control device through the robot control communication channel. By transmitting the information (1480), the bank robot 200 processes the financial transaction cancellation information to be stored in log information.

On the other hand, if the virtual face-to-face authentication is confirmed (1470), the bank robot 200 performs a financial transaction process through the bank robot 200 shown in FIG.

15 is a diagram illustrating an information input process for supporting a window transaction through the bank robot 200 according to an embodiment of the present invention.

In more detail, in FIG. 15, the operation mode of the bank robot 200 shown in FIG. 2 is automatically set in the operation mode of the bank robot 200 shown in FIGS. 8A and 8B, or the bank robot shown in FIG. (200) After the operation mode is manually set, or the bank robot 200 shown in FIG. When the virtual face-to-face authentication is confirmed through the virtual face-to-face authentication process shown in FIG. 14, the bank robot 200 processes a virtual face-to-face financial transaction according to the financial transaction scenario according to the set operation mode. As one having ordinary skill in the art to which the present invention pertains, information for supporting a window transaction through the bank robot 200 by referring to and / or modifying the drawing 15 is provided. Would be able to infer a variety of exemplary methods for the output process, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 15.

Referring to FIG. 15, the bank robot 200 shown in FIG. 2 is a process of automatically setting an operation mode of the bank robot 200 shown in FIGS. 8A and 8B, or the bank robot 200 shown in FIG. The operation mode of the bank robot 200 generates a window transaction electronic document through an operation mode setting process or one of the operation mode setting process of the bank robot 200 operation mode remote setting process shown in FIG. After the virtual face authentication is confirmed through the virtual face authentication process shown in FIG. 14 after the electronic document mode is set, the bank robot 200 uses the screen output device as an interface included in the selected financial transaction scenario. The m-th (m = 1) financial transaction interface is output according to the output scenario information (1500).

Here, the first financial transaction interface is different depending on the type of financial transaction, and even the same financial transaction may vary according to the financial transaction procedure defined by each bank, and the technical features of the present invention are determined by the characteristics of the first financial transaction interface. It is clear that it is not constrained.

Thereafter, the bank robot 200 determines whether at least one or more pieces of information are input (or read) through the m-th financial transaction interface according to the information input scenario information included in the financial transaction scenario information.

The information input through the m-th financial transaction interface according to the information input scenario may include financial transaction information input through a key input device provided in the bank robot 200, financial information read through a card reader device, and RFID. It is preferable to include at least one or more financial-related RFID information read through the reader device.

If at least one or more information is input (or read) according to the information input scenario information through the m-th financial transaction interface (1510), the bank robot 200 may verify information verification scenario information included in the financial transaction scenario information. In operation 1515, the robot-side scenario verification validity of the information input (or read) through the m-th financial transaction interface is verified.

Herein, the information verification scenario information authenticates each information input step according to the information input scenario, or authenticates each card (or bankbook) reading step according to a card (or bankbook) reading scenario, or the RFID reading scenario information. Preferably, the authentication value for authenticating each RFID reading step and an authentication algorithm are included. The robot side scenario validation validation is based on the authentication value and the authentication algorithm. It is preferable to include authenticating validity.

If the robot side scenario verification validity is not confirmed (1520), the bank robot 200 cancels the financial transaction and transmits the scenario verification validity error information to the robot control apparatus through a robot control communication channel ( In operation 1525, the scenario verification validity error information is stored in the bank robot 200 log information, and the robot control apparatus processes the cancellation of the financial transaction.

On the other hand, if the robot side scenario verification validity is confirmed (1520), the bank robot 200 transmits the scenario verification request information to the robot control apparatus through the robot control communication channel to validate the control side scenario in the robot control apparatus. Process to verify (1530).

Here, the scenario verification request information may include a verification value (or an authentication value) generated according to the robot side scenario verification validity verification result. If the scenario step is valid, the robot control apparatus may verify the verification value. (Or authentication value) is preferably authenticated.

Thereafter, the bank robot 200 checks whether the validity of the control side scenario is verified through the robot control communication channel (1535).

If the control side scenario validation is not verified (1540), the bank robot 200 cancels the financial transaction and transmits the scenario validation validity error information to the robot control apparatus through a robot control communication channel (1525). ), The scenario verification validity error information is stored in the bank robot 200 log information, and the robot control apparatus processes the cancellation of the financial transaction.

On the other hand, when the validity of the control-side scenario is verified (1540), the bank robot 200 is at least one input (or reading) through the m-th financial transaction interface according to the electronic document generation scenario information included in the financial transaction scenario. It is checked whether an electronic document including the financial transaction request information including the above information is generated (1545).

If it is determined to generate an electronic document (eg, an electronic document for supporting a window transaction) including the financial transaction request information (1550), the bank robot 200 performs the financial process through the process shown in FIG. Create an electronic document containing the transaction request information.

On the other hand, if it is determined that the electronic document including the financial transaction request information (eg, an electronic document for supporting a window transaction) is not generated (1550), the bank robot 200 uses the screen output device as the financial transaction scenario. Outputting the (m = m + 1) financial transaction interface corresponding to (1555), and inputting at least one or more information according to the information input scenario information included in the financial transaction scenario information through the m-th financial transaction interface ( Or reading) is repeated.

16 is a diagram illustrating an electronic document generation process for supporting a window transaction through the bank robot 200 according to an embodiment of the present invention.

In more detail, in FIG. 16, the operation mode of the bank robot 200 shown in FIG. 2 is automatically set in the operation mode of the bank robot 200 shown in FIGS. 8A and 8B, or the bank robot shown in FIG. (200) After setting to the electronic document mode for generating the electronic document for the window transaction through the operation mode manual setting process, or the operation mode setting process of any one of the bank robot 200 operation mode remote setting process shown in FIG. When the financial transaction request information for the window transaction support is input (or read) through the information input process illustrated in FIG. 15, it is a process of generating an electronic document including the input (or read) financial transaction request information. In the technical field to which the present invention pertains, an electronic document generation process for supporting a window transaction through the bank robot 200 by referring to and / or modifying the drawing 16 is made. For would be able to infer the various exemplary methods, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 16.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 16 to generate an electronic document for supporting a window transaction through the bank robot 200 in the robot control apparatus. Infer an implementation method (for example, an implementation method for receiving a financial transaction request information from the bank robot 200 through a financial transaction communication channel in the robot control apparatus and generating an electronic document based on the received financial transaction request information). It will be appreciated that the present invention is characterized by including all implementation methods inferred.

Referring to FIG. 16, when the financial transaction request information is input (or read) through the information input process illustrated in FIG. 15, the bank robot 200 generates the electronic document according to the electronic document generation scenario included in the financial transaction scenario. Check the electronic document format for each financial transaction corresponding to the operation mode (for example, electronic document mode) of the bank robot 200 (1600), and the financial transaction request information input (or reading) during the information input process shown in FIG. In operation 1605, the electronic document insertion target information for each financial transaction to be included in the electronic document form is identified.

If the electronic document insertion target information included in the electronic document is identified from the financial transaction request information (1610), the bank robot 200 transmits the identified electronic document insertion target information according to the electronic document generation scenario. The electronic document is generated in the form of a separate electronic document (1615).

According to an embodiment of the present invention, it is preferable that the electronic document generated after the financial transaction corresponding to the financial transaction request information is automatically attached with the electronic signature of the employee managing the bank robot 200.

According to an embodiment of the present invention, the electronic document is an electronic data interchange (EDI) file, a portable document format (PDF) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT. It is preferable to include at least one, and may include a separate electronic document file format according to the intention of those skilled in the art.

Those skilled in the art will be able to infer an electronic document format structure including a slip (or transaction application) form for each financial transaction defined by each bank, so a detailed description thereof is omitted for convenience. Shall

If the electronic document including the electronic document insertion target information in the electronic document form is generated (1620), the bank robot 200 stores (not shown) the electronic document for each financial transaction in the memory unit 260 or not. Or transmit the electronic transaction to the robot control apparatus through the financial transaction communication channel (1625), and the robot control apparatus transmits the received electronic document to an electronic document server on a communication network.

17 is a diagram illustrating a virtual face-to-face authentication process for the promotion and subscription processing of a financial product of the virtual face-to-face transaction method through the bank robot 200 according to an embodiment of the present invention.

In more detail, in FIG. 17, the operation mode of the bank robot 200 shown in FIG. 2 is automatically set in the operation mode of the bank robot 200 shown in FIGS. 8A and 8B, or the bank robot shown in FIG. (200) When the bank product 200 is set to the financial product promotion mode through an operation mode manual setting process, or any operation mode setting process of the bank robot 200 operation mode remote setting process shown in FIG. According to the financial product promotion scenario according to the operation mode set in the above) for the virtual face-to-face virtual product authentication process and virtual product authentication process for signing up, the person having ordinary knowledge in the technical field to which the present invention belongs, The virtual face-to-face authentication process for the promotion and subscription processing of the financial product of the virtual face-to-face transaction method through the bank robot 200 with reference to and / or modified with reference to FIG. Would be able to infer a method embodiment, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 17.

For example, the method shown in FIG. 17 is described as being performed to perform the virtual face-to-face authentication process after the operation mode of the bank robot 200 is set for convenience, but the virtual face-to-face authentication process is not limited thereto. Or, it is apparent that the financial product promotion scenario provided in the bank robot 200 may be provided at any point before the financial product promotion is completed.

Referring to FIG. 17, the bank robot 200 shown in FIG. 2 is a process of automatically setting an operation mode of the bank robot 200 shown in FIGS. 8A and 8B, or the bank robot 200 shown in FIG. Whether the operation mode of the bank robot 200 is set to the financial product promotion mode through a process of manually setting an operation mode or an operation mode setting process of the bank robot 200 operation mode remote setting process shown in FIG. In operation 1700, if the operation mode of the bank robot 200 is set to the financial product promotion mode (1705), the bank robot 200 may set the operation mode (eg, finance) from the memory unit 260. Product promotional mode information corresponding to the product promotion mode) is selected (1710).

Herein, the selected financial product promotion scenario information may include at least one financial product promotion scenario capable of processing the financial product promotion requested by the customer in the operation mode of the set bank robot 200, in the financial product promotion condition of the customer. It is preferable to include the scenario information that can process the financial product promotion most efficiently.

According to the method of the present invention, the financial product promotion scenario information corresponding to the operation mode of the bank robot 200, the financial product promotion customers in the operation mode of the bank robot 200 face-to-face authentication with the actual counter staff Instead, the virtual face-to-face authentication scenario for processing virtual face-to-face authentication with the bank robot 200 on behalf of the counter staff, and the screen output unit 247 before and after the virtual face-to-face authentication scenario. Interface output scenario information for outputting at least one financial product promotion interface screen to a screen output device provided in the bank robot 200 and a key input provided to the bank robot 200 based on the financial product promotion interface screen. Information input scenario information for processing at least one financial product subscription information to be input through the device; A card (or bank account) reading scenario information for reading financial information from an MS / IC chip included in a card (or bank account) held by the customer targeted for the financial product promotion, and a card held by the customer targeted for the financial product promotion RFID reading scenario information for reading the financial-related RFID information from the RFID tag provided in the (or bank account), and whether the input financial product subscription information, the read financial information, or the financial-related RFID information is valid according to the scenario. Information for verifying the verification information and the financial product subscription request information including at least one of the input (or read) information is transmitted through the financial transaction communication channel, the financial product corresponding to the financial product subscription request information Input or receive scenario information for receiving subscription processing information and the information input scenario information (or Electronic document generation scenario information for generating electronic documents including at least one financial product subscription request information included in a banking application form, and information on cancellation of financial product subscription scenarios are sequentially included in a sequence of It is preferable to make.

If a financial product promotion scenario corresponding to the set bank robot 200 operation mode is selected (1715), the bank robot 200 transmits the selected financial product promotion scenario information to the robot control device through the robot control communication channel. By transmitting the scenario selection information corresponding to the operation 1720, the financial product promotion scenario information selected by the bank robot 200 is processed to be included in the bank robot 200 log information.

Thereafter, the bank robot 200 outputs the financial product promotion information to the screen output device according to the selected financial product promotion scenario (1725), and subscribes the financial product corresponding to the financial product promotion information to the customer. The customer confirms that the customer requests to join the financial product through inducing speech (or financial product subscription selection) (1730).

If the customer's financial product subscription request is not confirmed (1735), the bank robot 200 repeats the process of outputting the financial product promotional information to the screen output device.

On the other hand, if the customer's financial product subscription request is not confirmed (1735), the bank robot 200 outputs the virtual face authentication interface according to the virtual face authentication scenario included in the selected financial product promotion scenario to the screen output device. (1740).

Here, the virtual face authentication interface requests to recognize the face image data of the customer through the image recognition means 280 provided in the bank robot 200, the identification card scanning device provided in the bank robot 200 It is preferable to include a user interface for requesting to scan the identification card of the customer.

When the virtual face authentication interface is output, the bank robot 200 recognizes the face image data of the customer through the image recognition means 280 based on the virtual face authentication interface (1745), and the recognized face Facial image recognition data including the pattern of the customer's face (eg, relative positions, shapes, directions, etc. of the eyes, nose, mouth, and ears) is recognized from image data (1750).

In addition, the bank robot 200 generates the identification image content of the customer through the identification card scanning apparatus based on the virtual face-to-face authentication interface (1755), and the customer image data (for example) for the customer from the identification image content Check the image data corresponding to the customer ID photo included in the identification card (1760), and the pattern of the customer's face (e.g., relative positions, shapes, directions, etc. of the eyes, nose, mouth, and ear) from the confirmed customer image data. Recognize the customer image recognition data, including (1765).

If the face recognition data of the customer is recognized based on the face image data recognized by the image recognition means 280 (1770), the customer image recognition data is stored from the ID image content recognized by the identification card scanning apparatus. When it is recognized (1775), the bank robot 200 processes the virtual face-to-face authentication for the customer to promote the financial product by comparing the face recognition data of the customer and the customer image recognition data (1780).

If the virtual face authentication is not confirmed (1770), the bank robot 200 repeats the process of outputting the financial product promotion information to the screen output device.

On the other hand, when the virtual face-to-face authentication is confirmed (1770), the bank robot 200 performs a financial product subscription process through the bank robot 200 shown in FIGS. 14A and 14B.

18A and 18B illustrate a process of joining a financial product of a virtual face-to-face transaction method through a bank robot 200 according to an embodiment of the present invention.

18A and 18B show the operation mode of the bank robot 200 shown in FIG. 2 automatically setting the operation mode of the bank robot 200 shown in FIGS. 8A and 8B, or shown in FIG. After the bank robot 200 is set to the financial product promotion mode through the manual operation of setting the operation mode or the operation mode setting of any one of the bank robot 200 operation mode remote setting process shown in FIG. When the virtual face-to-face authentication is confirmed through the virtual face-to-face authentication process shown in the figure, the bank robot 200 is a process for subscribing to the financial product according to the financial product promotion scenario according to the set operation mode. Those skilled in the art can refer to and / or modify the drawings 18a and 18b to sign up for a financial product in the face-to-face transaction method through the bank robot 200. For would be able to infer the various exemplary methods, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 18a and figure 18b.

Referring to FIGS. 18A and 18B, the bank robot 200 shown in FIG. 2 may automatically set an operation mode of the bank robot 200 shown in FIGS. 8A and 8B, or the bank robot shown in FIG. 9. The operation mode of the bank robot 200 is a financial product promotion mode through an operation mode manual process or one operation mode setting process of the bank robot 200 operation mode remote setting process illustrated in FIG. 10. After the virtual face-to-face authentication is confirmed through the virtual face-to-face authentication process shown in FIG. 13, the bank robot 200 according to the interface output scenario information included in the selected financial product promotion scenario to the screen output device. The m-th (m = 1) financial product subscription interface is output (1800).

Here, the first financial product subscription interface is different depending on the type of financial product promotion, even if the same financial product promotion may vary according to the financial product promotion procedures defined by each bank, the technical features of the present invention is the first financial product It is clear that it is not constrained by the subscription interface feature.

Thereafter, the bank robot 200 determines whether at least one or more pieces of information are input (or read) according to the information input scenario information included in the financial product promotion scenario information through the m-th financial product subscription interface (1805).

Here, the information input through the m-th financial product subscription interface according to the information input scenario is financial product subscription information input through a key input device provided in the bank robot 200, financial information read through a card reader device. In addition, the RFID reader may be configured to include at least one or more financial information related to RFID information.

If at least one or more information is input (or read) according to the information input scenario information through the m-th financial product subscription interface (1810), the bank robot 200 verifies information included in the financial product promotion scenario information. According to the scenario information, the robot side scenario verification validity of the information input (or read) through the m-th financial product subscription interface is verified (1815).

Herein, the information verification scenario information authenticates each information input step according to the information input scenario, or authenticates each card (or bankbook) reading step according to a card (or bankbook) reading scenario, or the RFID reading scenario information. Preferably, the authentication value for authenticating each RFID reading step and an authentication algorithm are included. The robot side scenario validation validation is based on the authentication value and the authentication algorithm. It is preferable to include authenticating validity.

If the robot side scenario verification validity is not confirmed (1820), the bang crobot 200 cancels the subscription of the financial product and transmits the scenario verification validity error information to the robot control apparatus through a robot control communication channel. By doing so (1825), the scenario verification validity error information is stored in the bank robot 200 log information, and the robot control apparatus processes to cancel the subscription of the financial product.

On the other hand, if the robot side scenario verification validity is confirmed (1820), the bank robot 200 transmits the scenario verification request information to the robot control apparatus through the robot control communication channel to validate the control side scenario validity in the robot control apparatus. Process to verify (1830).

Here, the scenario verification request information may include a verification value (or an authentication value) generated according to the robot side scenario verification validity verification result. If the scenario step is valid, the robot control apparatus may verify the verification value. (Or authentication value) is preferably authenticated.

Thereafter, the bank robot 200 checks whether the validity of the control side scenario is verified through the robot control communication channel (1835).

If the control side scenario validation is not verified (1840), the bank robot 200 cancels the subscription of the financial product and transmits the scenario validation validity error information to the robot control apparatus through a robot control communication channel. The scenario verification validity error information is stored in the bank robot 200 log information, and the robot control apparatus processes the cancellation of the financial product subscription.

On the other hand, if the validity of the control-side scenario is verified (1840), the bank robot 200 may input (or read) at least through the m-th financial product subscription interface according to the information transmission / reception scenario information included in the financial product promotion scenario. In operation 1845, the financial product subscription request information including one or more pieces of information is transmitted to the robot control apparatus.

If the financial product subscription request information is not transmitted to the robot control apparatus according to the information transmission / reception scenario information (1850), the bank robot 200 may be configured to correspond to the financial product promotion scenario to the screen output device (m). = m + 1) outputting the financial product subscription interface (1855), and inputting (or reading) at least one or more information according to the information input scenario information included in the financial product promotion scenario information through the m-th financial product subscription interface; Repeat the process to see if it works.

On the other hand, if the financial product subscription request information is transmitted to the robot control device according to the information transmission and reception scenario information (1850), the bank robot 200 according to the information transmission and reception scenario information included in the financial product promotion scenario information. The controller connects the financial transaction communication channel (1860).

Here, the financial transaction communication channel is a communication channel for processing the financial product subscription requested by the financial product promotion target customer through the bank robot 200 based on the wireless communication channel between the bank robot 200 and the wireless AP. It is preferable that various information (or data) transmitted and received through the financial transaction communication channel is verified in real time through the operation scenario verification channel of the robot control communication channel.

Those skilled in the art to which the present invention pertains, information (or data) structure to be transmitted and received to process the financial product subscription in accordance with the financial product promotion procedure defined by the bank operating the bank robot 200, Since the transmission and reception order may be inferred, a detailed description thereof will be omitted for convenience.

Thereafter, the bank robot 200 transmits the financial product subscription request information including the input (or reading) information according to the information transmission / reception scenario information included in the financial product promotion scenario information (1865), and transmits and receives the information. In operation 1870, it is determined whether financial product subscription processing information corresponding to the financial product subscription request information is received from the robot control apparatus according to scenario information.

If the financial product subscription processing information is received according to the information transmission and reception scenario information (1875), the bank robot 200 outputs the financial product subscription processing information to a screen output device and according to the financial product promotion scenario. Check whether the promotion of financial products is completed (1880).

If the financial product promotion is not completed according to the financial product promotion scenario (1885), the bank robot 200 uses the screen output device to correspond to the financial product promotion scenario (m = m + 1). Outputting a subscription interface (1855) and repeating a process of checking whether at least one or more information is input (or reading) according to the information input scenario information included in the financial product promotion scenario information through the m-th financial product subscription interface; .

On the contrary, when the financial product subscription is completed according to the financial product promotion scenario (1885), the bank robot 200 transmits the financial product subscription result to the robot control device through the robot controlled communication channel (1890). The bank robot 200 processes the financial product subscription result in the log information.

FIG. 19 is a diagram illustrating an electronic document generation process corresponding to a virtual face-to-face financial product subscription through a bank robot 200 according to an embodiment of the present invention.

In more detail, in FIG. 19, the operation mode of the bank robot 200 shown in FIG. 2 is automatically set in the operation mode of the bank robot 200 shown in FIGS. 8A and 8B, or the bank robot shown in FIG. (200) After the operation mode is manually set or the bank robot 200 shown in FIG. 10 is set to the financial product promotion mode through one of the operation mode setting process, the process shown in FIG. When the financial product subscription process of the virtual face-to-face authentication method is processed through the financial product subscription process, the present invention relates to a process of generating an electronic document corresponding to the financial product subscription of the virtual face-to-face authentication method. If a person having the above, various implementations of the electronic document generation process corresponding to the virtual face-to-face financial product subscription through the bank robot 200 by referring to and / or modified in this figure 19 The method may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 19 to display an electronic document corresponding to a virtual face-to-face financial product subscription through the bank robot 200, the robot control apparatus. A method for generating a financial instrument subscription request information and financial instrument subscription processing information from the bank robot 200 through a financial transaction communication channel in a robot control apparatus, and receives the received financial instrument subscription request information and financial instrument. An implementation method for generating an electronic document based on the subscription processing information) may be inferred, and the present invention is characterized by including all the implementation methods inferred.

Referring to FIG. 19, when the virtual product subscription process of the virtual face-to-face authentication method is processed through the financial product subscription process illustrated in FIG. 18, the bank robot 200 may apply to the electronic document generation scenario included in the financial product subscription scenario. Accordingly, the electronic device for each financial product corresponding to the operation mode (eg, financial product promotion mode) of the bank robot 200 is checked (1900), and is input (or read) during the financial product subscription process shown in FIG. 18. Among the financial product subscription request information and the financial product subscription processing information received through the robot control device after the financial product subscription processing, at least one electronic product insertion target information for each financial product to be included in the electronic document form is checked (1905). ).

If the electronic document insertion target information included in the electronic document is confirmed from the financial product subscription request information and the financial product subscription processing information (1910), the bank robot 200 determines the electronic document according to the electronic document generation scenario. The electronic document is generated by including the insertion target information in the electronic document format for each financial product (1915).

According to the implementation method of the present invention, it is preferable that the electronic document generated after the financial product subscription corresponding to the financial product subscription request information is automatically attached to the electronic signature of the employee managing the bank robot 200. .

According to an embodiment of the present invention, the electronic document is an electronic data interchange (EDI) file, a portable document format (PDF) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT. It is preferable to include at least one, and may include a separate electronic document file format according to the intention of those skilled in the art.

Those skilled in the art will be able to infer an electronic document format structure including a slip (or transaction application) form for each financial product defined by each bank, so a detailed description thereof is omitted for convenience. Shall

If the electronic document including the electronic document insertion target information in the electronic document form is generated (1920), the bank robot 200 stores (not shown) the electronic document for each financial product in the memory unit 260 or not. Or 1925, and transmit the received electronic document to an electronic document server on a communication network through the financial transaction communication channel.

20 illustrates an electronic document processing process according to an embodiment of the present invention.

In more detail, in FIG. 20, when an electronic document is generated in the bank robot 200 through the electronic document generation process illustrated in FIG. 13 or FIG. 16, the electronic document is displayed in the robot control apparatus illustrated in FIG. 1. The present invention relates to a process of transmitting to an electronic document server on a communication network or to a window terminal, and a person having ordinary knowledge in the technical field to which the present invention pertains refers to the process of processing the electronic document by referring to and / or modifying the drawing 20. Various embodiments of the present invention may be inferred, but the present invention includes all the inferred embodiments, and the technical features of the present invention are not limited thereto.

Referring to FIG. 20, when an electronic document is generated in the bank robot 200 through the electronic document generation process illustrated in FIG. 13 or FIG. 16, the robot control apparatus may control the bank robot through a financial transaction communication channel. In step 200, the generated electronic document is received (2000), and the received electronic document is read to determine whether a financial transaction history (or financial transaction completion code) is included in the electronic document (2005).

For example, when the financial document (or financial transaction completion code) is included in the electronic document, the electronic document is generated through the electronic document generating process shown in FIG. 13, and the financial document is displayed on the electronic document. When the transaction details (or financial transaction completion code) are not included, the electronic document is generated through the electronic document generation process shown in FIG.

If the financial document (or financial transaction completion code) is included in the electronic document (2010), the robot control apparatus transmits the electronic document to the electronic document server on the communication network (2015).

On the other hand, if the financial transaction history (or financial transaction completion code) is not included in the electronic document (2010), the robot control apparatus reads the electronic document to determine whether the receiving terminal information is included in the electronic document. Check (2020).

If the electronic document includes the electronic document receiving side window terminal information (2025), the robot control apparatus transmits the electronic document to the window terminal (2030).

On the other hand, if the electronic document does not include the electronic document receiving side terminal information (2025), the robot control apparatus temporarily stores the electronic document in a database (not shown), and then a plurality of windows provided at the bank branch. In step 2035, the electronic document is requested from which window terminal of the terminal.

If the electronic document request is confirmed from the teller terminal provided at the bank branch (2040), the robot control apparatus transmits the electronic document to the teller terminal (2045).

21 is a diagram illustrating an electronic document processing process according to another embodiment of the present invention.

In more detail, in FIG. 21, when an electronic document is generated in the bank robot 200 through the electronic document generation process illustrated in FIG. 19, the electronic device may display the electronic document on a communication network in the robot control apparatus illustrated in FIG. 1. The present invention relates to a process of transmitting to a document server or transmitting to a counter terminal, and a person skilled in the art may refer to and / or modify this drawing 21 to change the process of processing the electronic document. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 21, when an electronic document is generated in the bank robot 200 through the electronic document generation process illustrated in FIG. 19, the robot control apparatus may be configured to move from the bank robot 200 through a financial transaction communication channel. The generated electronic document is received (2100), and the received electronic document is read to determine whether a financial product promotion history (or financial product promotion completion code) is included in the electronic document (2105).

For example, when the electronic document includes the financial product promotion details (or financial product promotion completion code), the electronic document is an electronic document requiring a window service for subscription to the financial product, If the financial product promotion details (or financial product promotion completion code) is not included, the electronic document is an electronic document that requires no further window work for the financial product subscription.

If the electronic document includes the financial product promotion details (or financial product promotion completion code) (2110), the robot controller transmits the electronic document to the electronic document server on the communication network (2115).

On the other hand, if the financial product promotion details (or financial product promotion completion code) is not included in the electronic document (2110), the robot control apparatus reads the electronic document and includes the receiving side terminal information on the electronic document. Check whether it is (2120).

If the electronic document includes the electronic document receiving side window terminal information (2125), the robot control apparatus transmits the electronic document to the window terminal (2130).

On the other hand, if the electronic document does not include the electronic document receiving side terminal information (2125), the robot control apparatus temporarily stores the electronic document in a database (not shown), and then a plurality of windows provided at the bank branch. The terminal determines which of the terminal terminals the electronic document is requested (2135).

If the electronic document request is confirmed from the teller terminal provided at the bank branch (2140), the robot control apparatus transmits the electronic document to the teller terminal (2145).

According to the present invention, by using a bank robot provided and operated in a bank branch (or a public place) as an external public relations means, there is an advantage of innovatively improving image renewal and reliability compared to other banks.

According to the present invention, in operating a bank robot provided and operated at a bank branch, the bank robot is used as a public relations means during the time, day, and day of the bank window work. In the time zones, days, and days of which concentration is concentrated, the bank robot is used as an alternative means of counter service, thereby distributing the counter service with the bank promotion effect.

According to the present invention, while providing a financial transaction and financial product promotion services through a bank robot that is provided and operated in the bank branch, reducing the weight of the window service through the electronic document generation function for the documents according to the financial transaction financial product promotion There is an advantage to let.

Claims (7)

In the financial service providing method for providing a financial transaction or financial product promotion using a bank robot having an electronic document processing means, Setting an operation mode of the bank robot to an operation mode for processing a procedure according to the financial transaction or the financial product promotion; Generating an electronic document including information input (or reading) in the step according to the financial transaction scenario or the financial product promotion scenario corresponding to the set operation mode; And Reading the generated electronic document to check the financial transaction or the financial product promotion history, and transmitting the generated electronic document to an electronic document server on a communication network or a teller terminal for processing a window work according to the details; How to provide financial services. The method of claim 1, Tracking the current location or movement path of the bank robot; And Set movement route information from a current position of the bank robot to a predetermined position providing at least one or more of the financial transaction or the financial product promotion to the customer without disturbing the customer's movement and in accordance with the set movement route information. The method of providing a financial service further comprises the step of moving the position of the bank robot. The method of claim 1, The electronic document includes the financial transaction details, the financial transaction completion code, the financial product promotion history, the financial product promotion completion code, the financial information subscription details, or the terminal information provided by the teller terminal. The method of claim 1, And transmitting and receiving information to and from the bank robot to process a financial transaction or a financial product subscription requested through the bank robot. The method of claim 4, wherein And processing a financial transaction or financial product subscription requested through the bank robot through a financial network provided at an operation location of the bank robot. The method of claim 1, The banking robot is operated by the banking customer by using one of at least one RFID tag included in an object held by the banking customer and the face image data of the customer who is recognized by the image recognition means of the bank robot. A financial service providing method further comprising the step of recognizing whether the bank is a financial transaction customer. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 6.

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