KR101096130B1 - Method for an electric private banking service - Google Patents

Abstract

The e-PB financial transaction service method according to the present invention is to provide private banking to all the general customers who visit the financial institution window, and extracting customer identification information stored in the customer identification means of the customer, Providing task selection information to select a task required by the customer through the customer identification information, providing a number table to the customer in association with the customer identification information, calling the customer through the number table, Determining, and integrating with the financial transaction processing service selected by the customer to provide the e-PB service if it is determined that the identification information of the customer has been previously recognized.

RFID, e-PB, number tags, finance, assets,

Description

Ｍｙ ス テ ィ ラ (ｅ-ＰＢ) Financial Transactions Service Method

The present invention relates to a method for an electric-private private banking service, and more particularly, to promptly process a transaction by recognizing all general customers visiting a financial transaction window such as a bank. In addition, the present invention relates to an e-PB financial transaction service method that can provide VIP-level specialized services with transaction processing.

Generally, financial institutions, such as banks, securities companies, and investment companies, fill out a service application form after the customer obtains the waiting list to handle the work desired by the customer. After confirming the identity of the customer, the counter terminal handles the actual work desired by the customer.

This financial business process is not only less efficient due to the overlapping tasks of customer service application and counter registration, but also requires repeated application of the application every time the customer visits the window. In order to check for errors, problems such as unnecessary work increase and delay of service may occur.

In addition, with the recent development of Internet banking, customers usually deal with simple transactions such as inquiry, payment and withdrawal through Internet banking.

Therefore, a visit to a financial institution's counter is often intended to be provided with a specialized financial service other than such a simple transaction, or in addition to such a simple transaction, it may be desired to receive other specialized financial services.

In such a case, the counter staffs are often not prepared in advance, so they are not able to provide sufficient consultations that customers want, and to provide these specialized financial services through the counter terminals for a long time in the field. There is a problem that takes a lot of time, such as to look up the customer's various financial transaction history information, look up the products of other financial institutions, etc. after the inquiry.

Therefore, specialized high-quality services such as asset management are limited to VIP customers, and are prepared by taking appointment time separately from counter staff and preparing materials.

Therefore, the present invention was created to solve the above problems, the object of the present invention is to maximize the efficiency of the work by minimizing duplicate tasks such as the computer registration procedure through the customer's prior recognition, the service time It is to provide an e-PB financial transaction service method that can be shortened.

In addition, another object of the present invention is to provide a variety of customer consultation information by integrating the customer information service and transaction processing services that are currently provided separately, and can provide convenience of the window transaction processing using the portal function e- It is to provide a PB financial transaction service method.

In addition, another object of the present invention is to provide an e-PB financial transaction service method that can not only provide financial services specialized for each store / window but also provide specialized financial services for all general customers visiting the windows. will be.

An e-PB financial transaction service method according to the present invention for achieving the above object comprises the steps of: receiving, by a financial transaction system, customer identification information extracted from a customer identification means of a customer from a customer identifier;
Receiving work selection information selected by the customer from the customer identifier;
Receiving, by the customer identifier, a number of a number table provided to the customer in association with the customer identification information;
Determining whether the customer has been previously recognized through the number table; and,
If it is determined that the customer's identification information is pre-recognized, the financial transaction processing server related to the work selection information selected by the customer is processed and integrated with the financial processing service to allow the e-PB service server to provide the e-PB service. Steps,
The e-PB service server provides the transaction main area, the e-PB main area, the e-PB bottom area, the e-PB left area, and the e-PB pop-up area on the initial screen of the e-PB window of the terminal by the integrated portal server. ,
The e-PB main area is characterized by providing a fast transaction service including tabs for account information, window recent transaction information, and a customer time table.

According to the e-PB financial transaction service method according to an embodiment of the present invention, customer information may be prepared in advance through customer prior recognition to maximize work efficiency and reduce service time.

In addition, according to the e-PB financial transaction service method according to an embodiment of the present invention, not only can provide a specialized service for each store for each window, but also provides VIP-class differentiated financial services for all general customers visiting the window. Can provide.

In addition, according to the e-PB financial transaction service method according to an embodiment of the present invention, it is possible to provide convenience of the window transaction processing, and to provide sufficient consultation service that meets the needs of the customer to be differentiated from other financial institutions. Specialized services can be provided.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

In the present specification, "e-PB financial transaction service" means pre-recognition of a customer to prepare a consultation and provide a specialized financial transaction service required by the customer.

1 is a block diagram showing the overall configuration of the e-PB financial transaction service system according to an embodiment of the present invention, Figure 2 is a configuration and transaction linkage of the e-PB service processing server and the financial transaction processing server of FIG. 3 is a configuration diagram illustrating the configuration of the integrated portal server of FIG. 1.

The e-PB financial transaction service system 1 according to an embodiment of the present invention includes a customer identifier 100, a financial transaction system 200, an integrated portal system 300, and a window terminal 400 connected to an internal communication network. do.

The customer identifier 100 is disposed near the entrance and exit of each financial institution, the customer identification reader 110, a transaction type input unit 120 for selecting and inputting the type of work to be processed by the customer, the read customer information, And a transmission unit 130 for transmitting the transaction type information and the sequence number information, and an output unit 140 for outputting the sequence number information to an atmospheric number table.

The customer identification reader 110 automatically or manually inputs customer's information from a customer identification means, a credit card, a bankbook, a social security number input, an RFID tag, or the like presented from the customer when the customer visits. can do.

Here, the credit card number, bank account number and resident number can be manually recognized by scanning a resident registration card, etc., and the credit card, bankbook, etc. can be contacted or automatically recognized in a non-contact manner using a medium including an RFID chip. You can also

The transaction type input unit 120 displays a guide message such as "Welcome to reverse northeast 000" using only a part of the customer information read from the customer identification reader 110, and informs the customer about the financial business. Present the customer to guide the customer in selecting the required task.

The transmission unit 130 transmits the read customer information, transaction type information, and order information to the financial system 200 so that the window terminal 400 can provide the customer information service and the transaction processing service in an integrated manner.

In addition, the output unit 140 outputs the number table to the customer, so that the customer can measure the waiting order and time.

2, the financial transaction processing server 230 is a customer information receiving unit for the customer information transmitted from the transmitting unit 130 of the customer identifier 100, the processing task type, the waiting order in conjunction with the processing task type Through 231.

In addition, the financial transaction processing server 230, through the customer information processing unit 232, information related to finance, such as customer information DB 210 and the customer's financial transaction information and financial asset information that stores the personal information of the customer is stored The data is extracted from the stored financial information DB 220 to support the e-PB service processing server 240.

The customer information processor 232 may be a virtual memory.

The e-PB service processing server 240 provides the e-PB service, which is pre-recognized and specialized for the customer who finds the counters in the order of the number table, using the counter terminal 400.

The e-PB service processing server 240 includes a customer service module 241, a customer stereoscopic information service module 242, an asset management service 243, a time table service module 244, and a fast service. A transaction processing service module 245.

That is, the customer information processing unit 232 corresponds to the customer information, the work type selected by the customer, the waiting sequence number and the waiting time according to the work type, and the customer service module 241 and the customer stereoscopic information service module 242. The customer information DB 210 and the financial information DB 220 for the data required by the head asset management service 243, the time table service module 244, and the fast transaction processing service module 245. Provide it for extraction and store it temporarily.

The customer service module 241 provides customer service using information on customer's waiting time, management activity, campaign, overdue details, customer's last transaction date and branch name, and customer's grade and product. To provide. Through such customer service, customers can respond to customers in the early stage stably, quickly recognize information on key customers, and efficiently monitor waiting time for customers.

The customer stereoscopic information service module 242 may be configured to provide customer basic information such as name, address, and contact information, account information related to reception, transmission, credit, card and electronic banking, etc. held by the customer, and the application result and history of the customer. The information can be used to provide the customer with an integrated account transaction and consultation information.

The customer asset management service module 243 is an integrated asset using information on return analysis and predictable financial design, investment propensity, and product recommendation for investment products, such as investment, fund, deferred, and reserve, etc. Provide management services.

The customer time table service module 244 provides a batch of event information such as expiration accounts, campaigns, overdue financial information, customer's anniversary, etc., in the form of a calendar, for customers to quickly respond to a product or loan. To help them approach their customers more kindly.

The fast transaction processing service module 244 is linked with the customer time table service module 244 to prompt transaction through the transaction business processing unit 233 of the financial transaction server 230 by calling the transaction processing by calling the latest transaction information for each customer. Transactions can be processed and the number of inputs and transaction manipulations for complex tasks can be minimized.

In addition, the transaction processing unit 233 stores and registers the processed transaction in the customer information DB 210 and the financial information DB 220 to be reused in the future.

On the other hand, the interlocking unit 234 of the financial transaction server 230 not only relays the interworking with the e-PB service server 240, but also integrated portal server ( It can be linked with 300).

The integrated portal server 300, e-PB main area engine 310, e-PB lower area engine 320, e to enable the integrated processing of the customer information service and transaction processing service as shown in FIG. A PB left area engine 330, a pop-up engine 340, and a transaction main area engine 350, each of which is connected to the integrated portal server 300 via an information communication network, as shown in FIG. 4A. The e-PB main area, the e-PB bottom area, the e-PB left area, the pop-up area, and the transaction main area on the screen of the window terminal 400 are supported.

In this case, the transaction main area engine 350 supports the transaction processing of FIG. 4A to provide a single screen with multiple windows in each processing step, and also supports a customer stereoscopic information service.

The e-PB main area engine 310 displays the customer stereoscopic information service, account information (receipt account list, credit account list, card list, trust product list, bancassurance product list) on the e-PB main area of the window terminal 400. , E-financial list), the latest transaction information, etc. are provided, and some provide information about the customer time table service.

In addition, detailed information such as customer's identity, housing, and contact information is provided through a part of the transaction main area 350 that is not covered by the e-PB main area engine 310, and the manual, previous, next, execution, Tabs such as close are provided.

The e-PB lower area engine 320 provides a fast transaction processing service in the e-PB lower area of the window terminal 400 and simultaneously provides various account numbers associated with customers and a corresponding transaction selection to provide a variety of complexities. And repetitive tasks quickly.

Accordingly, the e-PB lower area engine 320 includes a contact history list, a sending history list, a management activity campaign history list, a compensation history list, a product recommendation history list, a list of ongoing management activity campaign information, and the like.

The e-PB left area engine 330 is provided with information on a customer service and a customer asset management service in the left area of the window terminal 400, and a product held in connection with a customer to provide a customer service. Information about the consultation, consultation and notes required by the customer to provide customer service is provided.

Therefore, the e-PB left area engine 330 is a product search menu, customer basic information, marketing information menu, customer holding product group, customer financial design menu (education fund, marriage fund, housing fund, aging fund, money raising, portfolio Design, life planning), customer consultation / customer consultation / memo menu, visit key customer information, card / credit application status, sequential transaction progress status, etc. can provide a sufficient consultation required by the customer.

The e-PB pop-up area engine 340 improves the quality of customer service in the e-PB pop-up area of the window terminal 400, and the wait staff, Supports displaying campaign information and customer status information.

Of course, the positions of the five display areas provided on the initial screen, that is, the transaction main area, the e-PB main area, the e-PB bottom area, the e-PB left area, and the e-PB pop-up area may be variously changed. It is not limited to this.

4 and 5, the e-PB financial transaction service method using the e-PB financial transaction service system according to an embodiment of the present invention will be described in detail.

4 is a flowchart illustrating an e-PB financial transaction service method according to an embodiment of the present invention, and FIG. 5 is an exemplary diagram for explaining an e-PB financial transaction service method according to an embodiment of the present invention.

As shown in FIG. 4, when visiting a financial institution that is a customer, the customer identification means 10, that is, a credit card number, a bank account number, or a social security number, which stores identification information of the customer through the customer identifier 100, is entered. By manually recognizing or automatically recognizing a mobile terminal including a credit card, bank account, and an RFID chip in a contact or contactless manner, the financial transaction processing server 230 of the financial transaction processing system 200 is the customer identifier ( The customer identification information extracted through the customer identification reading unit 110 of 100 is received (S10).

Subsequently, the financial transaction processing server 230 uses the information of the customer partially read by the customer identification reader 110 through the transaction type input unit 120 of the customer identifier 100 to make a visit to "Northeast East 000." Welcome ", and guide the customer to select the required business by presenting a variety of information on the type of transaction business, and outputs the number table through the output unit 140 of the customer identifier 100 In order to induce the customer information and the information related to the work selected by the customer, the transmission unit 130 receives the information on the number table (S20).

The customer identifier 100 includes an authentication means for authenticating a customer through information stored in the customer identification means, and may further perform an authentication procedure accordingly, whereby the customer identification means is used illegally. Can be prevented. In addition, if the customer is a new customer, the customer may receive a number tag after selecting a new job.

Subsequently, when a number corresponding to the customer's number table is displayed on the information board and the customer is called, the financial transaction processing server 230 of the financial processing system 200 is received from the transmission unit 130 of the customer identifier 100. It is determined whether the customer has been pre-recognized according to the existence of the customer information (S30), and if the customer pre-recognition has not been made (S40), by providing an initial screen to the customer, customer identification information, that is, social security number, Receive a card number or account number, and have them enter it. Through this, the financial transaction processing server 230 extracts authentication information and financial information of the customer stored in the customer information DB 210 and the financial information DB 220 to recognize the customer information.

The financial transaction processing server 230 temporarily stores the recognized customer information and provides it to the e-PB service server 240 so that the customer can proceed to the next task desired.

Subsequently, when the customer information input from the customer identifier 100 is recognized in advance, the financial transaction processing server 230 includes the authentication information of the customer stored in the customer information DB 210 and the financial information DB 220. After extracting financial information and providing it to the e-PB service server 240, the e-PB service server 240 is a customer service service, a customer stereoscopic information service, a hill asset management service, a time table service module. And provide fast transaction processing services.

These services are displayed on the initial screen on the window terminal 400 by the integrated portal server 300, and actively display necessary contents such as waiting time, extension interest payment, etc. through the e-PB pop-up area. A part of the response service is first provided, and various pieces of information are displayed through the transaction main area, the e-PB main area, the e-PB bottom area, and the e-PB left area (S50).

The engines 310, 320, 330, 340, and 350 for each area of the integrated portal server 300 are provided by a customer from among a customer service, a customer stereoscopic information service, a customer asset management service, a time table service, and a fast transaction processing service. If only the selected business or service information is selectively displayed, and the customer selects one of the fast transaction processing service and the time table service, the customer business processing unit 233 uses the latest transaction data of the customer to make a new, inquiry, registration, and deposit and withdrawal. , And promptly processes the termination and reissue (S60), and updates and stores the information on the executed task in the customer information DB (210) and financial information DB (220).

Referring now to FIG. 5, the e-PB main area 3 is provided with tabs for initial screen of e-PB, account information, time table, window recent transaction, etc. ) Can provide an initial screen.

When clicking the initial screen of e-PB, basic information of the customer is provided on the screen, and detailed information of the customer is provided on the screen when the customer's name is clicked.

If you click on the account information, you will be presented with a complete list of the customer's accounts, as well as tabs for receiving, credit, card, trust, banca and electronic banking. Transaction details, overdue details, card authorization information, and balance details are provided on the screen.

In the case of clicking the time table, a plurality of tabs related to management activities, campaigns, contact information, memo information, and expiration account information are provided. In case of clicking each tab, corresponding screens are provided. Through this, management activity detail screens, campaign detail screens, contact information detail screens, memo information detail screens, and expiration account information detail screens are provided, which can be viewed through these screens.

If you click on the Window Recent Transactions tab, you will be presented with a screen of your recent transactions.

In the case of clicking on the lower area 2 of the e-PB by using the sliding bar, information on the contact history list screen, the current activity, and the ongoing campaign are provided on the screen.

In addition, in the lower area (2) of the e-PB, tabs such as shipping history, management activity and campaign history, and reward history product recommendation history are provided. Ongoing management activities and campaign information are provided through a sliding bar.

In the left area (4) of the e-PB, the basic personal information screen of the customer is provided when the e-PB main area (3) is deactivated. When the e-PB initial screen is requested, information on the products held by the customer is displayed. If this is clicked, an analysis screen of the asset holding status is provided.

In the left area (4) of the e-PB, a product search menu, a marketing information menu, a customer financial design menu, a school fund design menu, a wedding fund menu, a fund raising menu, a housing fund menu, an old fund design menu, a life planning menu, a photo There are tabs such as folio design menu, consultation registration menu, subscription registration menu, memo registration menu, visitor's main customer information menu, and card extension application status menu.

In the e-PB financial transaction service method according to an embodiment of the present invention, the service is provided through various services such as customer identification information, financial information, and work information through prior recognition, thereby minimizing redundant tasks and maximizing work efficiency. At the same time, service time can be shortened.

In addition, by minimizing unnecessary work, it is possible to efficiently conduct business processes for customers, and can provide various quality marketing services to customers while providing transaction services, thereby providing differentiated and specialized services from other financial institutions. have.

1 is a block diagram showing the overall configuration of the e-PB financial transaction service system according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating a configuration and transaction linkage between the e-PB service processing server and the financial transaction processing server of FIG. 1.

3 is a block diagram showing the configuration of the integrated portal server of FIG.

4 is a flowchart illustrating an e-PB financial transaction service method according to an embodiment of the present invention.

5 is a diagram illustrating a screen for explaining an e-PB financial transaction service method according to an embodiment of the present invention.

Claims (12)

Receiving, by the financial transaction system, customer identification information extracted from the customer identification means of the customer from the customer identifier; Receiving the work selection information selected by the customer from the customer identifier; Receiving, by the customer identifier, a number of a number table provided to the customer in association with the customer identification information; Determining whether the customer has been previously recognized through the number table; and, If it is determined that the customer's identification information is pre-recognized, the financial transaction processing server related to the work selection information selected by the customer is processed and integrated with the financial processing service to allow the e-PB service server to provide the e-PB service. Steps, The e-PB service server provides the transaction main area, the e-PB main area, the e-PB bottom area, the e-PB left area, and the e-PB pop-up area on the initial screen of the e-PB window of the terminal by the integrated portal server. , The e-PB main area provides a quick transaction service including tabs for account information, window recent transaction information, and customer time table, In case of clicking the tab related to the time table, management activity, campaign, contact information, memo information and expiration account information are provided. In the case of clicking on the tab for the account information, information on the entire account of the customer is provided, and tabs on receiving, credit, card, trust, banca and electronic banking are provided. The e-PB financial transaction service method of providing a recent window transaction history information of the customer when the tab for the window recent transaction information is clicked. delete delete delete delete delete The method of claim 1, E-PB financial transaction service method, wherein personal information of a customer is provided through a portion of the transaction main area not covered by the e-PB main area. The method of claim 1, The e-PB bottom region is activated through a sliding bar of the e-PB main region. delete The method of claim 1, The e-PB pop-up area is an e-PB financial transaction service method that provides information regarding a waiting time of a customer, campaign information, and a delinquent state of the customer. The method of claim 1, The e-PB financial transaction service method of the e-PB left area provides a basic personal information screen of a customer when the e-PB main area is deactivated. The method of claim 1, The left area of the e-PB is an e-PB financial transaction service method that provides a screen for analyzing asset holdings and analysis information thereof.

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