KR101644687B1 - Location based method for providing finance service and finance banking management apparatus and customer terminal using the same - Google Patents

Abstract

The present invention relates to a system and method for providing a real-time standby status of a financial institution business center around a customer location using a location-based service, A method for providing a location-based financial service that supports a reservation service, and a financial service management apparatus and a customer terminal using the method.

Description

TECHNICAL FIELD [0001] The present invention relates to a location-based financial service providing method and a financial service management apparatus using the same,

The present invention relates to a location-based financial service management apparatus for supporting a reservation service of a nearby financial institution so that a financial service can be quickly processed using a location-based service, a financial service management apparatus using the same, and a customer terminal.

Generally, there are a lot of financial branches in each region, and there are various kinds of business (quick deposit / withdrawal transactions, loans, etc.) that customers want to deal with at financial branches.

Therefore, customers can visit the nearest financial branch office based on the residence of a plurality of financial branch offices, or may select a financial branch office with a small number of visiting clients. Or if the financial business you want to trade has a lot of experience such as lending or foreign exchange, and you need credibility, customers can find more trusted financial branches.

For a variety of reasons, customers choose their preferred financial office, but in the end, they find a place where they can work quickly and reliably.

However, despite the presence of a large number of financial branches, it is important for customers to find out which financial branches are processing fast (ie, the number of visiting customers is low), and that the business they are dealing with is the fastest There is no way to check if you can shop.

In addition, some financial branches may have vendors that have strengths in specific tasks. In this case, we want to attract more customers to businesses that have strengths in terms of financial branches.

SUMMARY OF THE INVENTION The present invention has been made in order to solve the above-mentioned problems, and it is an object of the present invention to provide a real-time standby status of a nearby financial branch office by using a location- A financial service management apparatus and a customer terminal using the method. The present invention provides a location-based financial service providing method and a financial service management apparatus using the same.

To this end, the financial service management apparatus according to the embodiment of the present invention includes: a branch office management unit for collecting and managing information on the state of the bank and the waiting state, together with the location information of each financial institution branch office; Receiving location information of a terminal from a customer terminal and receiving an inquiry request from a peripheral financial branch office from the customer terminal, searching for a financial branch office in a peripheral region according to the location information of the terminal based on the location information of the pre- A location-based business point inquiry unit for extracting information about a financial business point and transmitting the extracted information to the customer terminal; And a pre-reservation register for receiving and pre-registering a reservation request including at least one of a financial branch, a date and time of a visit, and a desk for each business from information on a peripheral financial branch transmitted to the customer terminal.

Meanwhile, a customer terminal according to an embodiment of the present invention includes a communication unit for performing data communication with a financial service management apparatus; An application execution unit that executes an application to request a reservation service provided by the financial service management apparatus and drives a function of the application based on an input of a customer using an interface of the application; A location tracking unit for detecting a location of a current terminal using location tracking; A business branch inquiry unit for requesting an inquiry of a financial branch office located in the vicinity of the current position of the terminal through the application and receiving location information about the requested peripheral bank branch office, And a reservation processing receiving unit for receiving a reservation request including at least one of a financial branch, an onward date and a time zone, and a desk-side worker through the application, and receiving the processed reservation information.

According to another aspect of the present invention, there is provided a method of providing a financial service for managing a reservation service for a financial service, the method comprising the steps of: A step of collecting information on the state of the agent and the waiting state; The financial service management apparatus receiving position information of a terminal from a customer terminal and receiving a request for inquiry of a peripheral financial branch from the customer terminal; The financial service management apparatus searches for a financial branch in a surrounding area according to the location information of the terminal based on the location information of the financial branch and stores the information on the retrieved branch office and transmits the extracted information to the customer terminal; Receiving from the financial service management apparatus at least one of a financial branch, a date and time of a visit, and a desk by task, from information on a peripheral financial branch sent to the customer terminal; And transmitting the reservation information, which has been registered and registered in advance, to the customer terminal.

According to the present invention, customers are able to receive the recommendation of a banking branch which can be processed most quickly among financial branches located around the current location, thereby satisfying the customer's needs.

In addition, since each financial branch can grasp the customers in advance, it can process related business quickly, and it can help the financial staff to perform more in-depth knowledge of the customer.

In addition, financial branches can prevent overcommunication at certain times, and even if they do not, they will be able to quickly resolve business overheating by directing customers to other branches. Furthermore, efficiency and service quality for financial services can be improved.

In addition, customers can select the staff directly through this service, thereby making it possible to create a staff member who can quickly and reliably carry out his or her work, thereby contributing to the improvement of financial reliability.

1 is a block diagram of a location-based financial service providing system according to an embodiment of the present invention;
BACKGROUND OF THE INVENTION Field of the Invention [0001]
3 is a detailed view showing a financial service management apparatus of a system according to an embodiment of the present invention;
4 is a detailed view illustrating a customer terminal of a system according to an embodiment of the present invention;
5 is a flowchart illustrating a method for providing a location-based financial service according to an embodiment of the present invention.
FIG. 6 is a flowchart for explaining a service method provided in post-customer management after reservation. FIG.
FIG. 7 is a flowchart illustrating a method of providing a financial service in a customer terminal according to an embodiment of the present invention; FIG.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The configuration of the present invention and the operation and effect thereof will be clearly understood through the following detailed description. Before describing the present invention in detail, the same components are denoted by the same reference symbols as possible even if they are displayed on different drawings. In the case where it is judged that the gist of the present invention may be blurred to a known configuration, do.

The financial institutions mentioned below include banking companies, insurance companies, and securities companies. However, for the convenience of understanding, banking company is explained as an example. Accordingly, the financial service is exemplified by a bank deposit / withdrawal transaction service, a lending transaction service, and the like. FIG. 1 is a configuration diagram of a location based financial service providing system according to an embodiment of the present invention.

The financial service providing system according to the embodiment of the present invention connects a reservation service that can access the customer terminal 300 and the financial service management apparatus 100 through the communication network 200 to quickly process financial transactions, (300a).

Here, the communication network may be a mobile communication network of various generations such as 2G, 3G, 4G, WiBro, WiMax and LTE, a local area network such as a WLAN, Wi-Fi, Bluetooth, Zigbee, Or proximity or near communication networks such as RFID and NFC (Near Field Communication).

2, in the financial reservation service according to the embodiment of the present invention, when there is a branch of a financial institution (hereinafter referred to as a financial branch) within a certain radius based on a location coordinate of a customer A, A's terminal informs the surrounding financial branch. The information about the surrounding financial branches can be obtained from each financial branch office (branch 1, branch 2 ...), address (location coordinates: OOOO), waiting status by work (for example, .

Accordingly, the customer A can confirm the information of the financial branch office located around him / her around his / her own location in the customer terminal, and can select a branch office with fewer or fewer waiting arguments and select a nearby branch office.

The customer terminal 300 and the financial service management apparatus 100 for implementing this are implemented as follows.

3 is a detailed view illustrating a financial service management apparatus of a system according to an embodiment of the present invention.

The financial service management apparatus 100 according to the embodiment of the present invention includes a communication unit 110, a branch management unit 120, a location based branch store inquiry unit 130, a pre-reservation registration unit 140, and a reservation ticket management unit 150 do.

The communication unit 110 interfaces data communication with a customer terminal and each financial branch via a communication network. That is, the communication unit 110 receives the information about the branch office from the financial branch office of each region, and receives the input information requested from the customer terminal in connection with the inquiry and reservation for the peripheral bank branch office. In addition, the communication unit 110 can transmit the processing result to the client terminal.

The branch store management unit 120 collects and manages the place and the status information of each business along with the location information of each financial branch office in the database. Here, the word "banker" refers to the financial staff and the person in charge of the branch office.

The database includes a branch store information DB 122 and a waiting status information DB 124 for each branch office. The branch store information DB 122 includes names of financial branch offices, location information of financial branches, processable job fields, and employee information by job. Each financial branch may include information about the strengths of a particular business or the strengths of a particular bank. The waiting status information DB 124 for each branch office includes the waiting status information of each financial branch office. For example, in branch 1, there are 12 atmospheric statuses of deposit and withdrawal transactions, 7 at the lending transaction duties, 3 at the deposit and withdrawal transaction duties, .

In the above, the waiting status information for each job of each financial branch is received from the financial branch via the communication unit 110 in real time, and can be provided from the management server in each financial branch or provided through the order ticket issuing device provided in each financial branch Can receive.

The location-based sales point inquiry unit 130 receives the location information of the terminal from the customer terminal through the communication unit 110. When the inquiry request of the peripheral financial sales point is received from the customer terminal, the location- And searches the financial branch in the surrounding area according to the current location information of the terminal based on the location information.

The location-based branch store inquiry unit 130 extracts the standby state information from the waiting state information DB 124 for each branch office for the searched bank branch, and transmits the extracted information to the customer terminal.

The advance reservation registering unit 140 receives the selection of a financial branch to be visited from the customer terminal in the information on the peripheral financial branch office transmitted through the location based branch office inquiry unit 130, And receives a reservation request including at least one or more.

According to the reservation request, the advance reservation registration unit 140 registers at least one reservation information (a financial branch, a date, a time zone, a desk, etc.) received from the customer terminal. The advance reservation registering unit 140 stores the registered reservation information in the reservation information DB 142, establishes a database, transfers the registered reservation information to the branch manager 120, and controls the update of the information so that the wait factor of the corresponding financial branch increases.

At this time, the pre-reservation registering unit 140 can provide a schedule that can be reserved based on the data stored in the per-vendor-specific-available information DB 144 when the time and date available for each agent are specified.

In addition, the advance reservation registering unit 140 may check the usage right of the reservation ticket given to the customer terminal before the registration, and may approve or reject the reservation registration according to the reservation ticket. In other words, if there is no reservation ticket assigned to the customer terminal, the reservation approval of the customer terminal is canceled and the use of the reservation service is restricted.

These reservation tickets are a kind of license granting use rights to use the reservation service. Accordingly, in the present embodiment, the reservation service is provided only to the customer who has been given the reservation ticket, so that the customer can be quickly served to improve the service quality of the reservation service.

The reservation ticket managing unit 150 manages a reservation ticket given to the customer terminal. That is, it manages presentation, subtraction, and addition of reservation tickets. For example, a reservation ticket is basically provided to a customer terminal who subscribes to the reservation service, and a reservation ticket is added when the reservation ticket is reserved according to a reservation schedule reserved by the customer. In the case where the reservation ticket is not built in the reservation schedule, A penalty for subtracting the penalty from the penalty.

4 is a detailed view illustrating a customer terminal of a system according to an embodiment of the present invention.

The customer terminal 300 according to the embodiment of the present invention includes a communication unit 310, an application execution unit 320, a location tracking unit 330, a business branch inquiry unit 340, a reservation processing receiving unit 350, a display 360, As shown in FIG.

The communication unit 310 performs data communication with the financial service management apparatus.

The application execution unit 320 executes an application for applying for a reservation service provided by the financial service management apparatus and drives an application function based on an input of a customer using an interface of the application.

The application execution unit 320 may participate in one or more operations of the location tracking unit 330, the business branch inquiry unit 340, and the reservation processing receiving unit 350, which will be described later, after the application is executed. That is, after the execution of the application, it is possible to track the location of the terminal through the application, inquire the branch office, request the reservation, and receive the scheduled processing information.

The application is stored in a database managed by a server of a financial institution or an online market, and provided to a customer terminal at a server of a financial institution or on an online market when requested by the customer terminal. Then, the customer terminal can download the application, install it, and execute the application.

The location tracking unit 330 detects the current location of the terminal by using a GPS (Global Positioning System) or the like.

The branch store inquiry unit 340 requests the inquiry about the nearby financial branch office based on the position of the current terminal detected by the location tracking unit 330, And transmits the status information to the display 360.

The reservation processing receiving unit 350 inputs a reservation request including at least one of a financial branch office, a date and time zone to be visited, and a worker for each job from the nearby financial branch office information displayed on the display 360, Lt; / RTI >

The display 360 displays the information received by the business branch inquiry unit 340 and the reservation processing receiving unit 350 based on the default display information. Also, the display 360 may display the position of the terminal detected through the position tracking unit 330 in text or map form, in cooperation with the position tracking unit 330, though the correlation is not shown.

The operation of the customer terminal 300 configured as described above is as follows.

Referring to FIG. 7, in step S300, the application execution unit 320 of the customer terminal 300 executes an application according to a request of a customer and starts a reservation service.

In step S310, the location tracking unit 330 of the customer terminal 300 tracks the location of the terminal and detects location information of the current terminal. The above steps may be performed by the customer's manual request before executing the application regardless of the execution of the application.

In step S320, the business branch inquiry unit 340 of the customer terminal 300 may inquire whether there is a financial business center around the current location of the terminal. At this time, the inquiry request and inquiry result reception are performed through the running application.

In the next step S330, the customer terminal 300 receives and displays information on the peripheral business points. Information about the surrounding branches includes the waiting status information for each branch.

Then, in step S340 and step S350, the customer selects and enters a business branch desired by the customer in cooperation with the reservation processing reception unit 350 of the customer terminal 300, and includes at least one of financial business, You can select and enter.

In step S360, the customer terminal 300 requests advance reservation based on the information input in the step. In response to the request, the customer terminal 300 can check the reservation ticket given to the customer terminal 300 and check the reservation access right according to the presence or absence of the reservation ticket (S390).

In step S370, the reservation processing receiving unit 350 of the customer terminal 300 receives the reservation processing result from the financial service management apparatus.

Finally, in step S380, the received reservation processing information is displayed on the display 360. FIG.

Through these operations, the customer terminal 300 can utilize the efficient reservation service because it can receive the fastest or trustworthy branch office among the nearby branches based on its position through the application.

Meanwhile, the above-described method of the customer terminal can be implemented by a software program or an application and recorded on a computer-readable recording medium.

For example, the recording medium may be a hard disk, a flash memory, a RAM, a ROM, or the like embedded in each reproduction apparatus, or an external optical disk such as a CD-R or a CD-RW, a compact flash card, a smart media, have.

In this case, when a program or an application recorded on a computer-readable recording medium is executed by a terminal, an application for a reservation service of a financial service is displayed on the screen, the position of the terminal is tracked through the application, Requesting inquiries about nearby financial branches based on the location information of the terminal, receiving and displaying information on the staffs and waiting conditions of the business along with the location information of the requested nearby financial branch office, And a command for inputting a reservation request including any one of a time zone and a work-related desk, and receiving the processed reservation information.

5 is a flowchart illustrating a method of providing a location-based financial service according to an embodiment of the present invention. 6 is a flowchart for explaining a service method provided by the post-customer management after reservation.

In the following description, a detailed description of the configuration of the client terminal and the financial service management apparatus which are the same as those of the structural elements of the client terminal and the financial service management apparatus described in FIG. 3 and FIG. 4 will be omitted.

Referring to FIG. 5, in step S101, the financial service management apparatus 100 collects and manages location information and waiting status information with respect to a financial branch located in each area in the branch store management unit 120.

In step S102, the customer terminal 300 detects the current location of the terminal through the location tracker installed in the terminal.

In step S103, the customer terminal 300 inquires about whether or not there is a business center around the current location detected by the financial service management apparatus 100.

In step S104, the financial service management apparatus 100 inquires the peripheral business points based on the location information by the inquiry request received from the customer terminal 300, in the location-based business point inquiry unit 130. [

In step S105, the financial service management apparatus 100 transmits a result of inquiry from the location-based business point inquiry unit 130 to the customer terminal 300, that is, the peripheral business point list is transmitted and guided.

In the next steps S106 to S108, the customer terminal 300 selects a business branch desired to be reserved from the peripheral business point information received from the financial service management apparatus 100, and selects a business field, a reservation date, a time, And requests the financial service management apparatus 100 to make an advance reservation.

In step S109, the financial service management apparatus 100 receives the reservation request of the customer terminal from the advance reservation registration unit 140, and confirms whether the reservation ticket management unit 150 has a reservation ticket for the customer terminal 300. [

In step S110, the financial service management apparatus 100 determines whether there is one or more reservation tickets given to the customer terminal 300. [

In step S111 and step S112, the financial service management apparatus 100 processes the reservation registration when there is one or more reservation tickets given to the customer terminal 300 in the advance reservation registration unit 140, Notify completion of registration.

Alternatively, if it is determined in step S113 and step S114 that the reservation ticket given to the customer terminal 300 as a result of the determination by the financial service management apparatus 100 is less than one, the reservation is canceled and the customer terminal 300 is notified of the reservation cancellation.

Thereafter, the financial service management apparatus 100 may grant a reservation ticket according to whether the reservation customer has made a reservation according to the reservation schedule in the after-customer management.

Specifically, referring to FIG. 6, in step S200, the financial service management apparatus 100 can confirm whether or not the financial service management apparatus 100 has made a reservation for a reserved reservation made by a customer in advance. The confirmation can be obtained by the financial service management apparatus 100 inquiring to the relevant business office in the form of e-mail, text, or the like.

In the case where the customer has departed in accordance with the reservation date, the gold financial service management apparatus 100 may additionally give the reservation authority by issuing two more reservation tickets to the corresponding customer terminal in S201 and S202.

If the customer has not visited the reserved date, the financial service management apparatus 100 may limit the reservation authorization by subtracting one reservation ticket of the corresponding customer terminal in steps S203 and S204.

Here, the number of additional issued tickets (two) and the number of outstanding tickets (one) are merely illustrative examples for convenience of understanding, and those skilled in the art will understand that the present invention Various modifications may be made without departing from the technical idea.

Accordingly, the embodiments disclosed in the specification of the present invention are not intended to limit the present invention. The scope of the present invention should be construed according to the following claims, and all the techniques within the scope of equivalents should be construed as being included in the scope of the present invention.

100: financial service management apparatus 200: communication network
300: customer terminal 300a: location-based service
110: communication unit 120: branch manager
122: Branch information DB 124: Standby status information DB
130: Location-based branch store inquiry unit 140:
150: reservation ticket management unit 310:
320: Application execution unit 330: Position tracking unit
340: branch shop inquiry unit 350: reservation processing reception unit
360: Display

Claims (12)

A branch office management section for collecting and managing information on the statuses of the agents and the atmospheric conditions, as well as the location information of each financial institution branch office;
Receiving location information of a terminal from a customer terminal and receiving an inquiry request from a peripheral financial branch office from the customer terminal, searching for a financial branch office in a peripheral region according to the location information of the terminal based on the location information of the pre- A location-based business point inquiry unit for extracting information about a financial business point and transmitting the extracted information to the customer terminal;
A pre-reservation register for receiving and pre-registering a reservation request including information on a nearby financial branch office sent to the client terminal, including a financial branch office, a date and time of a visit, And
A reservation ticket manager for presenting a reservation ticket for granting authority to use the reservation service to the customer terminal and managing deduction and addition of the reservation ticket,
/ RTI >
The pre-reservation registering unit, when receiving a reservation request from the customer terminal, checks the usage right of the reservation ticket given to the customer terminal to approve or reject the reservation,
Wherein the reservation ticket management unit further adds the reservation ticket when the customer terminal departs according to a schedule reserved by the customer terminal and restricts the use of the reservation service by subtracting the reservation ticket when the reservation ticket is not reserved, A financial service management device. delete delete delete The method according to claim 1,
Wherein the pre-
And registers the reservation request of the customer terminal and transmits the reservation information to the branch manager to update the waiting argument of the corresponding branch office. The method according to claim 1,
The pre-reservation registration unit
Wherein a date and time that can be reserved for each worker are set in the financial branch office and stored in the database. delete A financial service providing method for managing a reservation service for a financial service,
The financial service management apparatus collecting information on the statuses of the staffs and the waiting states for each business, together with the location information for each financial institution branch office;
The financial service management apparatus receiving position information of a terminal from a customer terminal and receiving a request for inquiry of a peripheral financial branch from the customer terminal;
The financial service management apparatus searches for a financial branch in a peripheral area according to the location information of the terminal based on the location information of the financial branch and stores the information on the retrieved branch office and transmits the extracted information to the customer terminal;
Receiving a reservation request including information on a nearby financial branch office transmitted from the financial service management apparatus to the client terminal, including a financial branch office, a date and time of a visit, and a worker by task; And
A step of transmitting the reservation information pre-registered and registered to the customer terminal
/ RTI >
The step of pre-registering the reservation request includes the steps of: checking whether the reservation ticket given to the customer terminal is present and accepting or rejecting the reservation,
Wherein the financial service management apparatus further adds a reservation ticket for the customer terminal when the customer terminal calls in accordance with a schedule scheduled after the reservation request is registered in advance, Further comprising the step of limiting the use of the reservation service by subtracting the reservation ticket from the financial service management device. delete delete 9. The method of claim 8,
After the step of pre-registering the reservation request,
Wherein the financial service management apparatus updates the waiting acceptance of the corresponding financial branch office to increase based on the reservation information. delete

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