KR101396111B1 - Branch terminal, management server, banking terminal using local wireless communications, and banking method and apparatus including the same - Google Patents

Abstract

The present invention relates to a bank window service method and apparatus capable of interworking with an application of a terminal having a short-range wireless communication function, and also relates to a branch office terminal, a management server and a window terminal used for implementing the bank window service method. A method and apparatus for a window service using a short-range wireless communication is a method in which a branch office terminal drives a bank application of a customer terminal entering a branch office through short-range wireless communication and receives a customer information created by the management server through the bank application from the customer terminal Can be implemented. Here, the management server may issue a wait sequence number to the customer terminal after receiving the customer information. When a form is required to be created according to a customer's selection before the waiting order is issued, the form is selected and input through the customer terminal, and when the form is completed, the form is transmitted to the management server, The waiting time and the processing time for the bank window service can be saved, and the efficiency of business processing can be improved.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a business terminal, a management server, a window terminal using short-range wireless communication, and a method and apparatus for a window service using the terminal, a management server,

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to an apparatus and method for a bank counter service capable of interworking with an application of a terminal having a short-range wireless communication function.

In the past, when a customer visited a branch office of a bank for banking work, they often waited in line to receive a waiting order. When a form required for the counter service was required, There is a problem that the business hours are lengthened and the waiting time of the waiting customers is delayed accordingly.

In addition, in order to interoperate with a customer relationship management (CRM) system of a bank, it is inconvenient to take out a card and a passbook and insert it into a specific device (for example, intelligent order number issuer), and even when the customer does not know how to use There were many.

Therefore, along with the realization of paperless, efforts have been made to increase the time saving and efficiency of the bank window service.

In order to solve the above problems, the present invention provides an apparatus and method for a bank window service using a terminal having a short-range wireless communication function.

In the first embodiment, a counter operation method using short-range wireless communication includes: a step of driving a bank application of a customer terminal which has entered a branch office through short-range wireless communication; And receiving the customer information created by the management server through the bank application from the customer terminal. The method may further include issuing a waiting sequence number to the customer terminal after the management server receives the customer information. Selecting and inputting a form through the customer terminal when the user wants to make a form before the waiting order is issued; And transmitting the form to the management server when the form is completed.

In another example, a counter operation apparatus using a short-range wireless communication terminal may include a business terminal operating a bank application of a customer terminal entering a branch office via short-range wireless communication; And a management server receiving the customer information created through the bank application from the customer terminal. Here, after the management server receives the customer information, it may issue a waiting order to the customer terminal.

According to the present invention, it is possible to save waiting time and work processing time for the bank window service and improve the efficiency of business processing by using the application of the short range wireless communication terminal.

1 is a block diagram schematically showing a counterpart business unit according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating a configuration of a hatch business apparatus according to an embodiment of the present invention. Referring to FIG.
FIG. 3 is a flowchart of a method of operating a counter in accordance with an embodiment of the present invention.
4 is a flowchart illustrating the operation of the first window terminal and the second window terminal in the window service method of FIG. 3 according to an embodiment of the present invention.

Hereinafter, some embodiments of the present invention will be described in detail with reference to exemplary drawings. It should be noted that, in adding reference numerals to the constituent elements of the drawings, the same constituent elements are denoted by the same reference symbols as possible even if they are shown in different drawings. In the following description of the embodiments of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the difference that the embodiments of the present invention are not conclusive.

In describing the components of the embodiment of the present invention, terms such as first, second, A, B, (a), and (b) may be used. These terms are intended to distinguish the constituent elements from other constituent elements, and the terms do not limit the nature, order or order of the constituent elements. When a component is described as being "connected", "coupled", or "connected" to another component, the component may be directly connected or connected to the other component, Quot; may be "connected," "coupled," or "connected. &Quot;

Smart Phone is a mobile device developed to enable some of the tasks that a computer can do on a mobile phone. In addition to replacing the phone function of an existing mobile phone, it also searches the Internet, sends and receives e-mails, You can also shoot and edit photos. The biggest feature of the smartphone is that it can install, add or delete hundreds of various applications (applications, applications) as user wants, unlike the existing mobile phones which were released as finished products and used only the functions . In addition, smartphone users can directly access the Internet using wireless Internet, and can access Internet contents in various ways using various browsing programs. Even users can create their own applications The ability to share applications between smartphones with the same operating system (OS) is also an important feature that differentiates between smartphones and general mobile phones.

In fact, recent smart phones have a wider touchscreen display interface than conventional mobile phones, which improves the user's convenience. It also uses a so-called docking station, It can send and receive data stored on a computer, and has a Personal Information Management (PIM) function that can manage thousands of addresses. Furthermore, smartphones are now being applied to real life applications, such as mobile internet banking, mobile credit card, mobile social networking, and mobile shopping. For this purpose, banks, securities companies, credit card companies, social commerce companies, Shopping mall companies develop their own smartphone applications for their smartphone operating systems and distribute them to users for a fee or free of charge.

For reference, an application is a kind of software operating on an operating system (OS), and is a program designed to directly perform a specific function with respect to a user or another application program. Application data, system data, and the like are recorded and stored in a predetermined programming language (for example, C language or Java (JAVA)) on a computer-readable recording medium. Application data refers to data having a program function implemented so as to enable interaction with a user, and system data refers to data including application management information and the like. And information for implementing other additional functions can be stored in the recording medium.

Meanwhile, NFC (Near Field Communication) is attracting attention as one of the short-range wireless communication technologies that can be used by being combined with a smart phone. NFC is an RFID-like concept that enables bi-directional communication of data between devices, such as smart phones, or between devices and readers, at distances of less than 10 cm. This NFC technology enables bi-directional communication between smart phones with NFC functions and two-way communication with smart phones and other objects than unidirectional communication, so it can be used in various fields such as acquiring, exchanging and managing information . The biggest feature of NFC is the short communication distance of 10cm. It may be a disadvantage that the communication distance is short. However, since the smart phone is combined with various networks such as mobile communication and Wi-Fi, short communication distance using NFC may be advantageous for security have.

(For example, touch recognition) with a local wireless communication terminal installed in a bank using a smart phone (for example, using an NFC case) having such a local wireless communication function, the present invention can efficiently And saving the waiting time and inputting and transmitting the information conveniently. Although the present invention has been described by way of example and not by way of limitation, the present invention is not limited to NFC communication, and various short-range wireless communications such as IRDA (Infrared Data Association) and Bluetooth may be applied to the present invention .

1 is a block diagram schematically illustrating a bank counter service business apparatus according to an embodiment of the present invention. The counter terminal business unit 100 includes a business terminal 110 installed at each bank branch office, a customer terminal 130 owned by the bank customer, a second window terminal 140 installed near the window, A first window terminal 150 and a management server 170 that manages and controls them. The business terminal 110, the customer terminal 130, the second window terminal 140 and the first window terminal 150 are devices capable of NFC communication. The NFC communication may be built in the terminal, The NFC case of FIG.

Here, the customer terminal 130 possessed by the customer can be a smart phone, a PDA (Personal Digital Assistance), a tablet computer, a netbook, etc. equipped with hardware and software capable of NFC communication have. Especially, Smart Phone is a mobile communication terminal that combines the advantages of a mobile phone and a personal digital assistant (PDA). It is a mobile communication terminal that performs data communication functions such as schedule management, fax transmission, And its convenience and utilization are becoming more and more increasing. As described above, according to the emergence of a mobile communication terminal having strong performance comparable to a computer and mobility due to a network function, the present invention is centered on a case where the customer terminal 130 is a smartphone.

In one embodiment, one or more of the branch terminals 110 may be installed in a space that can be readily used by the customer, such as the entrance of each bank branch, the vicinity of the bank, or the ATM. The sales point terminal 110 is a means for recognizing smartphone users, for example, a user can touch a customer terminal 130 owned by a customer to the sales point terminal 110 for NFC communication between the terminals. Since the NFC communication is capable of unidirectional and bidirectional communication, the branch office terminal 110 recognizes the customer terminal 130 and can transmit data including a command for enabling the application to be operated in the customer terminal 130. [ Such data may be in the form of a message confirming to the user whether to be executed or installed, and may be moved to a web page (e.g., Android Market, App Store, etc.) where the application can be downloaded when the user responds to the message. In another embodiment, the data may be implemented by asking the customer whether or not the application is installed, and downloading the application from the management server according to the user's selection.

The customer terminal 130 can download and install a bank application or execute an existing bank application. The bank application can transmit the customer authentication request to the management server by using the customer information, store the CRM information and the information of the current sales point in the customer terminal through the customer authentication, and this information can be shared with the management server. The information of the presently visited branch may be stored in the customer terminal 130 for issuing customer information and order number.

In order to interoperate with CRM in the conventional bank, there is a problem that it is inconvenient to take out a card and a passbook and insert it into a specific device (for example, an intelligent order number issuer), and even if there is an automatic device, the customer often does not know how to use it. The present invention solves these problems, and the present invention can improve the efficiency of collection, storage and management of customer information, and can also solve the difficulty of operation by using the terminal owned by each customer.

The customer terminal 130 can receive the information required for the customer authentication and the counter service from the management server and store the received information. In addition, the customer terminal 130 may execute various functions (e.g., a deposit product guide, an advertisement, etc.) that can be performed during the waiting time. The functions of such a customer terminal will be described in more detail below.

The second window terminal 140 is a terminal for a customer to consult with a counter staff member, and one or more terminals can be installed near the first window counter terminal 150. In an exemplary embodiment of the present invention, the second window terminal 140 receives data such as customer information and electronic format information stored in the customer terminal 130 through NFC communication, and transmits the received data to the first window terminal (150). Alternatively, the first window terminal 150 may receive customer information and an electronic form directly from the customer terminal 130 through another network. In this case, the second window terminal 140 does not necessarily have to be installed . However, when the NFC communication is used for security, the second window terminal 140 installed near the window can be used to submit data including an electronic format that the customer should submit to the window clerk. Examples of other networks include Time Division Multiple Access (TDMA), Global System for Mobile Communication (GSM), Code Division Multiple Access (CDMA), Wideband Code Division Multiple Access (W-CDMA), Long Term Evolution Various data communication technologies such as Wi-Fi (Wireless Fidelity), WiBro (Wireless Broadband Internet) and the like can be applied.

The management server 170 may be implemented to manage and control the terminals 110, 140, and 150 installed in the branch offices and the customer terminals 130 communicating with the terminals 110, 140, and 150. The management server 170 may use a short-distance network such as NFC communication, or another network capable of long-distance communication or a dedicated network. The management server 170 can collect information that can be obtained through interaction between the business terminal, the first and second window terminals, and the customer terminal, and can manage and control the operations of the terminals.

2 is a block diagram illustrating a configuration of a bank counter service business apparatus according to an embodiment of the present invention. Hereinafter, functions and configurations executed in each component will be described in more detail with reference to FIG. The business terminal 110 includes a client recognition unit 114 for recognizing a customer terminal and an instruction transmission unit 116. The customer terminal 130 includes a command receiving unit for receiving from the business terminal 110, 134, an information storage unit 136, and an information transmission unit 138. In addition, the branch office terminal 110 and the customer terminal 130 may include more components for performing various functions, and are not limited to the components described herein.

First, as described above, the sales shop terminal 110 can communicate with each other through NFC communication by, for example, touching its own terminal to the sales outlet terminal 110 as described above. The customer recognition unit 114 may be configured to recognize the customer terminal 130 having the USIM chip or the NFC case having the NFC function incorporated therein.

When the customer terminal 130 is recognized, the command transmission unit 160 of the sales terminal 110 can transmit the generated command to execute the bank application on the customer terminal 130.

The command receiving unit 132 receives the command. When the application executing unit 134 recognizes that the application is already installed, the command receiving unit 132 automatically or selectively (or manually) executes the application and the application is installed It can be implemented so that the web page can be downloaded and downloaded from the web page or downloaded from the management server as described above. Once the download is complete, you can run the application automatically or optionally.

When the application is executed, the customer terminal 130 performs the customer authentication procedure, and the information storage unit 136 stores the CRM information and the visited business point information through the customer authentication. This information may be shared with the management server or the first counter terminal, and information of the currently visited business points may be stored in the customer terminal 130 for issuing customer information and order number.

The information transmission unit 138 transmits the customer information, the authentication information, and the electronic form created by the customer to the first window terminal 150 or the management server 160. In one embodiment, the transmission of such information may be transmitted to the management server 160 through the network when the customer desires, and then transmitted to the first counter terminal 160 when the customer is assigned to the specific first counter terminal Can be implemented. In another embodiment, when the customer terminal 130 completes the form creation and queuing order issue and is assigned to a specific window, the customer terminal 130 transmits the form and customer information created by the NFC communication with the second window terminal 140 installed in the specific window And the second window terminal 140 can be operated in cooperation with the first window terminal 150 used by an employee to confirm and use the information.

FIG. 3 is a flowchart of a method of operating a counter in accordance with an embodiment of the present invention. 1 and 2, a method of operating a counter window will be described.

The method according to an embodiment of the present invention starts from a step in which a customer enters a business branch of a specific bank and touches a customer terminal 130 owned by the business branch terminal 110 to perform customer recognition (S31 ). Recently, it is advantageous to automate and automate without using a network such as an Internet network where hacking is possible due to the nature of banking, where security is important, by using NFC communication, which is being popular.

The customer terminal 130 confirms whether or not a bank application to be installed on the customer terminal 130 is installed through communication with the business entity terminal 110 (S32). In one embodiment, the confirmation of the installation may be implemented through an instruction received from the branch office terminal 110. If the bank application for the customer terminal 130 is already installed, the flow advances to step S35 to execute the bank application.

In one embodiment, if the banking application for the customer terminal 110 is not installed, the flow advances to step S34 to download the banking application from the management server 170. As another embodiment, it may be implemented to move to a web page that can receive a download. After the download, if the bank application is installed, the flow advances to the execution step of the bank application (S35). The execution of the bank application may be automatic or may be optional, depending on the user's choice.

When the bank application is executed, the customer is authenticated. Since various existing authentication methods (mobile phone authentication, authorized certificate authentication, and the like) can be used for customer authentication, a detailed description will be omitted in this specification. In addition to the customer authentication, the customer terminal 130 can request and receive and store the relevant business point information in the customer server 170. This is for the purpose of linking with the issuance of the serial number and after-sales service.

As another embodiment, the branch information may be received from the branch office terminal 110 in S31, or may be implemented by the management server to refer to it, thereby performing the linkage with the serial number issue and window service.

When the customer authentication and information request and storage are completed, it is judged whether the work desired by the customer requires form preparation (S37). The form creation decision can be implemented such that the customer is automatically presented to the user by selecting one of the tasks disclosed in the menu (S38). As another embodiment, the user may directly select a form, create it, and store it. Conventionally, there has been inconvenience in creating a paper form using the user's own writing pad, and a new writing is made every wrong time, thus wasting paper has been a problem. However, through the window service method implemented in the present invention, an electronic document can be created during the waiting time using the terminal 130 owned by the user, so that the convenience of the customer can be added and the paperless service can be realized.

If the form creation is completed or the form creation is unnecessary, the management server issues a waiting sequence number to the customer terminal 130 (S39). The issuance of the waiting sequence number can be controlled through the management server which holds and manages the information of the corresponding branch office, the counter information, and the customer information of the branch office. Such electronic serial number issuance can be used in conjunction with the conventional paper number issuance, or can be operated separately.

4 is a flowchart illustrating an operation of the second window terminal and the first window terminal in the window service method of FIG. 3 according to an embodiment of the present invention. The operations in steps S31 to S37 may be the same as those described in Fig. As described in FIG. 3, depending on whether or not the form preparation is necessary, the method of window service operation proceeds to other steps.

First, in the case of a work requiring form creation, a customer can select a desired work through the customer terminal 130, download a form required for the work, or go to a screen displaying a predetermined format, -up. < / RTI > The customer can input data including the customer information into the displayed form, and the waiting sequence number is issued when the input is completed (S39). The input completed form can be automatically transmitted to the management server 170 via the network or can be transmitted to the first window terminal 150 of the specific window when the window is assigned to a specific window by the standby order call (S39) . As another example, a method in which a customer communicates with a customer terminal 130 and a second window terminal 140 installed in a specific window may be used as shown in FIG. 4 (S45). In this example, the second window terminal 140 receiving the completed form can transmit the customer information and the form created by the customer to the first window terminal using NFC communication or another network. The transmitted customer information and the form may be automatically inquired through the screen of the first window terminal 150 or manually displayed by the counter staff (S46).

In the case of a business that does not require form creation, the waiting order is issued to the customer terminal 130 immediately after the customer authentication and information request S36 is completed and the form is determined to be unnecessary (S37) (S41). The issuing and calling of waiting queues can be classified and called according to the job by the management server 170 and can be implemented so as to be assigned irrespective of the types of jobs. The allocation information for the caches can be distributed to the customer NFC terminal 130 and the first And transmitted to the window terminal 150 together. This embodiment can be similarly applied to S44.

After being assigned to a specific window after the waiting sequence call, if necessary, data such as customer information can be transmitted using NFC communication between the customer terminal and the second window terminal. Like the step S46, the transmitted data such as the customer information can be automatically inquired through the screen of the first counter terminal 150 or can be manually inquired by the counter staff (S43)

While the present invention has been described in detail in the foregoing for the purpose of illustration, it is to be understood that the components, their connections and relationships, and their functions are merely exemplary. In the present invention, the first counter terminal 150 may be implemented as various types of mobile devices or computing devices. Also, although the customer terminal 130 and the components 132, 134, 136, and 138 are embodied as being physically integrated in this specification, each component may be physically separated as needed, or one or more components may be integrated As shown in FIG. In addition, the bank application is not only stored in the communication terminal but also can be interworked with necessary logic or database by transmitting / receiving to / from the corresponding web server such as a web application. A user can request a web page from the server while the application is running, and can display the result page received from the server to the user.

The present invention is not necessarily limited to these embodiments, as all the constituent elements constituting the embodiment of the present invention are described as being combined or operated in one operation. That is, within the scope of the present invention, all of the components may be selectively coupled to one or more of them. In addition, although all of the components may be implemented as one independent hardware, some or all of the components may be selectively combined to perform a part or all of the functions in one or a plurality of hardware. As shown in FIG. The codes and code segments constituting the computer program may be easily deduced by those skilled in the art. Such a computer program can be stored in a computer-readable storage medium, readable and executed by a computer, thereby realizing an embodiment of the present invention. As the storage medium of the computer program, a magnetic recording medium, an optical recording medium, a carrier wave medium, or the like may be included.

Furthermore, the terms "comprises", "comprising", or "having" described above mean that a component can be implanted unless otherwise specifically stated, But should be construed as including other elements. All terms, including technical and scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined. Commonly used terms, such as predefined terms, should be interpreted to be consistent with the contextual meanings of the related art, and are not to be construed as ideal or overly formal, unless expressly defined to the contrary.

The foregoing description is merely illustrative of the technical idea of the present invention, and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas falling within the scope of the same shall be construed as falling within the scope of the present invention.

Claims (16)

A step for the customer to recognize the customer terminal of the customer who entered the branch through short-distance wireless communication and to drive the application for the financial transaction and the form establishment in the recognized customer terminal;
Receiving, from the customer terminal, customer information created by the management server through the application; And
And downloading a corresponding form from the management server if the selected task through the application is a work requiring form creation by the client terminal. The method according to claim 1,
Further comprising: after the management server receives the customer information, issuing a waiting order to the customer terminal. The method of claim 2,
A step in which the customer terminal receives information necessary for creating the form before the waiting order is issued; And
And when the form is completed, transmitting the form to the management server. The method of claim 2,
And transmitting data including the customer information from the customer terminal to a first counter terminal installed in the counter at the time of the call according to the waiting order. The method of claim 4,
The step of transmitting data to the first counter terminal may include receiving data including customer information from the customer terminal through a short distance wireless communication, the second counter terminal dedicated for short distance communication installed at the counter, To the first window terminal (100). 6. The method according to any one of claims 1 to 5,
The step of the application terminal driving the application comprises:
Further comprising the steps of: confirming whether the application terminal is installed in the customer terminal and installing the application in the customer terminal when downloading the application from the management server when the application is not installed; How to work. A sales point terminal for recognizing a customer terminal that has entered a branch office through short-range wireless communication and driving an application for creating a financial transaction and a form installed in a recognized customer terminal; And
And a management server for receiving customer information created through the application from the customer terminal,
Wherein the customer terminal uses a local wireless communication terminal to download a corresponding form from the management server when a task selected through the application is a work requiring form creation. The method of claim 7,
And the management server issues the wait sequence number to the customer terminal after receiving the customer information. The method of claim 8,
And a first window terminal installed at a window for receiving customer data including the customer information through a short distance wireless communication with the customer terminal at a call according to the wait order, . The method of claim 9,
Wherein the first window terminal receives the data from a second window terminal dedicated for short-range communication installed at a window for receiving the customer data via short-range wireless communication from the customer terminal Countersinks. The method according to any one of claims 7 to 10,
Wherein the sales point terminal confirms whether the application is installed in the customer terminal and downloads the application from the management server and installs the application in the customer terminal when the application is not installed. Device. delete As a terminal installed in a bank branch and capable of short-range wireless communication,
A customer recognition unit for recognizing a customer terminal that has entered a branch office via short-range wireless communication; And
And a command transmission unit for transmitting an instruction for operating an application for financial transaction and form creation on the customer terminal. delete delete delete

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