KR101670613B1 - Method for operating mobile banking system and mobile banking system - Google Patents

Abstract

The present invention relates to a mobile banking system and an operating method of the mobile banking system capable of providing a financial service for areas such as a local traditional market which is a 5-day market, a small new town, and a housing zone in which operating a fixed bank is difficult because of insufficient profits despite financial demand. The operating method of the mobile banking system including a financial server and a mobile banking device comprises: a first step of understanding a selection area which corresponds to a predetermined condition among areas with lack of the financial service; a second step of setting periodic or non-periodic visiting schedules of the mobile banking device through analysis on information collected through the first step; and a third step of setting an operation schedule of the mobile banking device according to the visiting schedules set through the second step. The present invention is provided to operate the mobile banking system in the areas such as a farming and fishing village, a small land area, etc. having relative small financial service users, thereby providing various financial services to residents of a financial service isolated area; and providing a similar effect like operating a plurality of branch stores with relative cheap operating costs.

Description

TECHNICAL FIELD [0001] The present invention relates to a mobile banking system and a mobile banking system,

The present invention relates to a method of operating a mobile banking system and a mobile banking system. More particularly, the present invention relates to a method of operating a mobile banking system and a mobile banking system, The present invention relates to a method of operating a mobile banking system and a mobile banking system operated through the method, in order to provide financial services to areas where difficulty exists in operating a fixed banking store.

The present invention can be applied to a case where a financial service user has a relatively small area such as a small-scale administrative district or a branch office of a financial institution such as a commercial bank due to a profitability problem, , It is possible to provide a variety of financial services to the residents of the marginalized areas of financial services and to provide a similar effect as operating a plurality of branch stores at a relatively low operating cost Respectively.

Financial services provided through financial institutions such as banks are very diverse. However, non-face-to-face services, such as face-to-face services in which services are provided through face-to- Services.

In the case of non-face-to-face services, the convenience of use has been greatly improved due to the development of information and communication technologies and the increase in the spread of smart devices. However, in the case of some financial services such as business lending services, . In addition, it is still necessary to provide face-to-face services to older customers who are unable to use non-face-to-face services.

To provide face-to-face services, most financial institutions operate fixed stores in the form of branches. However, as a financial institution operated on the basis of income such as the marginal margin or the fee for providing financial services, it is inevitable to establish a branch in consideration of the expected profit compared with the occurrence of the operation cost of the store and the labor cost. If the demand falls below the regulatory requirements, it will be difficult to establish a branch.

For this reason, financial marginalization occurs.

As a technique for solving such a financial marginalized area, for example, a method disclosed in Korean Patent Laid-Open Publication No. 10-2001-18730 (entitled "Mobile banking system using satellite communication and a vehicle therefor") has been proposed.

The patent discloses a portable banking system that enables most of the banking services such as cash in / out, lending, and the like by connecting financial automation devices and the like to a server at a bank head office through satellite communication, to provide.

However, in such a case, there is a problem in that it is difficult to efficiently operate the mobile shop because the criteria for selecting the operating area of the mobile shop are not clear.

Therefore, according to the present invention, it is possible to provide low-cost and high-efficiency financial services to traditional markets such as 5-day market, and small and medium-sized residential districts by allowing the operation points of financial institutions to be operated periodically or separately, This paper proposes a new method to make

Korean Patent Registration No. 10-0359650 (entitled " Cyber Mobile Bank Service System and Service Method) Korean Patent Laid-Open Publication No. 10-2001-18730 (entitled: Mobile Banking System Using Satellite Communication and Vehicle therefor)

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 mobile bank for providing financial services to traditional markets such as 5-day market, financial districts where small- A method of operating the system and a mobile banking system.

The objects of the present invention are not limited to the above-mentioned objects, and other objects and advantages of the present invention which are not mentioned can be understood by the following description and more clearly understood by the embodiments of the present invention. It will also be readily apparent that the objects and advantages of the invention may be realized and attained by means of the instrumentalities and combinations particularly pointed out in the appended claims.

According to an aspect of the present invention, there is provided a mobile banking system including a financial server; And a mobile bank device operating in a form mounted on a vehicle and capable of providing financial services through real-time data communication with the financial server, wherein the financial server comprises: And schedule and manage a schedule for the mobile banking device to visit regularly or irregularly.

Here, the financial server may include a data receiving unit for receiving press information or press information including schedule information and location information related to the opening of a traditional market including five days in the financial services marginalized area; A main server for processing a financial service and analyzing data received through the data receiving unit to set a schedule of the mobile banking apparatus; And a database for storing and managing schedule information of the mobile banking device set through the main server.

Alternatively, the financial server includes: a data receiving unit for receiving financial service use request information received from users in a financial service marginalized area; A main server for processing a financial service and analyzing data received through the data receiving unit to set a schedule of the mobile banking apparatus; And a database for storing and managing schedule information of the mobile banking device set through the main server, wherein the financial service marginalized area is a region where a house of about 5000 households or less exists in a region within a radius of about 500 meters .

The financial server of the present invention may further include a data transmission unit for providing the schedule information of the mobile banking apparatus through a terminal of a financial service user related to the schedule, And may be configured to store and manage the contact information of the financial service user.

According to another aspect of the present invention, there is provided a method of operating a mobile banking system including a financial server and a mobile banking system, the method comprising: a first step of grasping a selected area in a financial service marginalized area; A second step of setting a regular or irregular visiting schedule of the mobile banking device through analysis of the information obtained through the first step; And a third step of setting a travel schedule of the mobile banking device according to the visit schedule set through the second step.

Here, the predetermined condition of the first step may be determined through press information or press information including schedule and location information related to the opening of a traditional market including five days in financial services marginalized areas, And receiving the financial service use request information received from users in the local area.

The present invention may further comprise a fourth step of providing schedule information of the mobile banking apparatus set through the third step through a terminal of a financial service user related to the schedule.

According to the present invention as described above, it is possible to provide a mobile banking system that is operated to correspond to schedule information in a traditional market such as 3-day, 5-day, 7-day, or the like, have.

In other words, by making it possible to operate the mobile bank based on the information of each region managed by the database or the request information of the mobile banking service received from the user in a certain region or above, a reasonable and efficient mobile banking system And the like can be provided.

In particular, when operating a customized mobile shop at a regional venue, it is possible to obtain a similar effect to the operation of a plurality of fixed locations by operating a circulating mobile point for a plurality of venues over a certain scale, which is not geographically distant. And a fixed cost to be paid to the financial sector, as well as to increase the profit through securing the customer, and to provide the normal financial service to the residents of the financial marginalized area.

In addition, unlike a mobile-type branch that was operated for the support of specific events, such as the operation of mobile-type branches for traditional markets such as 5-day markets, and the operation of branches for fixed-price days in small and medium-sized cities and residential districts in the Seoul metropolitan area, It is possible to provide a merit that the mobile station can perform a function as a semi-stationary station.

1 is an explanatory view schematically showing the configuration of a mobile banking system according to an embodiment of the present invention.
FIG. 2 is a configuration diagram for explaining the configuration of the financial server of FIG. 1. FIG.
3 is a flowchart illustrating a method of operating a mobile banking system according to an embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The above and other objects, features and advantages of the present invention will become more apparent from the following detailed description of the present invention when taken in conjunction with the accompanying drawings.

It is to be understood that the following specific structure or functional description is illustrative only for the purpose of describing an embodiment in accordance with the concepts of the present invention and that embodiments in accordance with the concepts of the present invention may be embodied in various forms, It should not be construed as limited to the embodiments.

The embodiments according to the concept of the present invention can make various changes and have various forms, so that specific embodiments are illustrated in the drawings and described in detail in this specification or application. However, it should be understood that the embodiments according to the concept of the present invention are not intended to limit the present invention to specific modes of operation, but include all changes, equivalents and alternatives included in the spirit and scope of the present invention.

The terms first and / or second etc. may be used to describe various components, but the components are not limited to these terms. The terms may be named for the purpose of distinguishing one element from another, for example, without departing from the scope of the right according to the concept of the present invention, the first element being referred to as the second element, The second component may also be referred to as a first component.

It is to be understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, . On the other hand, when it is mentioned that an element is "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between. Other expressions for describing the relationship between components, such as "between" and "between" or "adjacent to" and "directly adjacent to" should also be interpreted.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. It is to be understood that the terms such as " comprises "or" having "in this specification are intended to specify the presence of stated features, integers, But do not preclude the presence or addition of steps, operations, elements, parts, or combinations thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms such as those defined in commonly used dictionaries are to be interpreted as having a meaning consistent with the meaning of the context in the relevant art and, unless explicitly defined herein, are to be interpreted as ideal or overly formal Do not.

1 is an explanatory view schematically showing the configuration of a mobile banking system according to an embodiment of the present invention.

Referring to FIG. 1, the mobile banking system according to an exemplary embodiment of the present invention includes a financial server 110 and a mobile banking device 120.

The financial server 110 may be a management server provided in a financial institution such as a bank, and may perform tasks such as processing of a banking service and management of user information.

The mobile banking apparatus 120 may be constructed using a vehicle such as a bus, a minibus, or a truck, and may be mounted on an automation terminal such as an ATM and a person in charge of providing financial services.

That is, the mobile banking apparatus 120 may be configured in the form of a mini-bank configured by using a vehicle, and may transmit and receive real-time data to and from the financial server 110 through an LTE communication network, And the like. Therefore, a customer's seat, a consultation table, or the like can be provided inside the mobile banking apparatus 120, and it is possible to provide a component such as a generator for supplying power for operating the internal facility.

In other words, the mobile banking system of the present invention can provide a financial service to be visited through a convenient movement to a financial marginalized area or the like by using the mobile banking apparatus 120 or the like configured in a form mounted on the vehicle.

For reference, in the present specification, a financial marginalized area or a marginalized financial service area means an area where it is difficult to provide various types of financial services due to the absence of a financial institution such as a commercial bank within a certain distance. For example, , Etc.), and the like, as well as the small and medium-sized towns and villages. In addition, even in areas where only limited financial services can be provided due to the presence of only local financial institutions (agricultural cooperatives, livestock cooperatives, fisheries cooperatives, etc.) or credit unions, it can be classified as a financial service disadvantaged area.

Specifically, the financial services marginalized area may include a small or medium-sized new city or a residential district in a metropolitan area in which an apartment or house of about 5000 households or less exists in a region within a radius of about 500 meters.

At this time, the present invention can provide a configuration for enabling the mobile banking apparatus 120 to operate more efficiently by managing the movement schedule of the mobile banking apparatus 120 through the financial server 110 have. That is, the financial server 110 may provide a configuration for setting and managing schedules so that the mobile banking device 120 can visit regularly or irregularly the selected areas that meet certain conditions among the financial services marginalized areas .

The configuration in which the schedule management of the mobile banking apparatus 120 is performed through the financial server 110 will be described in more detail with reference to a separate drawing.

Although not shown in the drawing, in the case of the mobile banking apparatus 120 according to the embodiment of the present invention, information on a mobile banking apparatus, a financial institution, a financial product, or the like using a space such as an outer wall of a vehicle, Advertisement, and the like.

In this case, it would be obvious to a person skilled in the art that a display device to which any method known to date has been applied for the construction of such a display device may be used.

FIG. 2 is a configuration diagram for explaining the configuration of the financial server of FIG. 1. FIG.

2, the financial server 110 included in the mobile banking system according to an exemplary embodiment of the present invention includes a main server 112, a data transmission / reception unit 114, and a database 116 .

The main server 112 can perform various tasks such as the processing of the overall financial service and the schedule management of the mobile banking device 120 (FIG. 1).

The data transmission / reception unit 114 may be configured as a data receiver for receiving information related to the schedule setting of the mobile banking apparatus.

That is, the data transmitting and receiving unit 114 is shown in FIG. 2 as a data transmitting and receiving unit 114, May be possible. Such a data receiver 114 may receive mobile banking operation request information received from residents of financial marginalized areas, press information relating to five days of the area, or press information such as local governments.

That is, the data receiver 114 collects various kinds of press information through a mobile communication network or an internet network, and also receives mobile bank operation request information received from residents of a financial alienated area such as a small- And deliver it to the main server 112.

The main server 112 can collect various schedule related information transmitted from the data receiver 114 and analyze the schedule information. When the analysis of the information is completed, the schedule is calculated in consideration of the date, time, Can be set.

The schedule thus set can be stored and managed through a separate database 116 or the like.

Meanwhile, when the main server 112 sets up the schedule of the mobile banking apparatus as described above, when two or more events overlap in the same time zone, for example, If the one-time opening is scheduled, the main server 112 may be configured to set a priority for each event based on information such as travel distance and travel route consideration for each event, and information on expected attendance have.

Further, in this process, it is possible to provide a configuration such as applying a weight to some information such as the expected attendance number.

In addition, it is also possible to provide a configuration such that two or more schedules are carried out per day according to the time zone by taking into consideration the movement route of the mobile banking apparatus. For example, a mobile banking system may provide a financial service in a small apartment complex in the metropolitan area in the afternoon in the morning after it is installed in a local 5-day marketplace.

Meanwhile, the data transmission / reception unit 114 may be provided with a data transmission function. In this case, the data transmission / reception unit 114 may provide a function of providing guidance information and the like to the users of financial services in the corresponding area, .

For example, when a financial service provision request information exceeding a criterion is received from a financial service user in a certain area and a schedule of a corresponding mobile banking apparatus is set, the main server 112 transmits a corresponding Users of local financial services related to the schedule can be informed of the installation and operation time and location of the mobile banking equipment. In this case, it is natural that such guidance may be made through any conventional method including SMS or MMS. In this case, contact information of financial service users is stored and managed through the database 116 and the like It is also natural.

The construction and operation of the mobile banking system according to an embodiment of the present invention as described above will be described in detail with reference to FIGS. 1 and 2. FIG.

The mobile banking apparatus (120 in FIG. 1) may be configured by modifying a bus, a minibus, a truck, or the like. In addition, financial staffs for providing financial services as well as financial automation devices such as ATMs may be arranged therein. It is also possible to provide a separate space for consultation with a customer as well as an interior of a customer terminal, a table, a chair, and the like.

Such a mobile banking device 120 may be placed in, for example, a traditional five-day marketplace of a local area.

In other words, the mobile banking apparatus 120 sequentially visits the market in the country where the regular market is held, such as every Monday to Friday, 3 days, 5 days, 7 days, etc., so that it can function as a mobile point.

In other words, in order to open a fixed branch of a bank, the rent of the store, the labor cost of the resident staff, and the maintenance cost are generated. However, in the case of the local village having a relatively small population size, It is not easy to generate revenue relative to the operating cost of the system.

Accordingly, when the mobile banking apparatus 120 according to the present invention is applied, it functions as a simple branch which is opened once a week in each village, thereby providing an effect similar to covering at least five villages with one branching point There is an advantage that it can be.

Furthermore, it is possible to maximize the effect of each town by, for example, identifying the information on the day when the floating population is the largest, such as the 5th day, and arranging the mobile banking apparatus 120 accordingly.

For reference, in the case of a small residential complex near a metropolitan area or a metropolitan area, it may be possible to apply a method of improving the usability of the nearby residents by setting the mobile shops to be installed every once a week.

Accordingly, it is preferable that the mobile banking apparatus 120 provided in the mobile banking system according to the embodiment of the present invention is configured to be operated in accordance with a periodic schedule such as a day of the week or a designated day of the week. However, the configuration of the present invention is not limited thereto.

It has been described above that the mobile banking apparatus 120 can transmit and receive financial information through the wireless data communication method using the financial server 110 and the LTE network.

Also, local venue information such as three days, five days, seven days, etc. is managed through the database 116 of the financial server 110, and the mobile bank apparatus 120 (120) is managed according to the schedule set by the financial server 110 ) Can be determined and managed as described above.

The financial server 110 can set an operation schedule of the mobile banking device in consideration of financial service use request information input from financial service users.

3 is a flowchart illustrating a method of operating a mobile banking system according to an embodiment of the present invention.

Referring to FIG. 3, a method of operating a mobile banking system according to an embodiment of the present invention includes: analyzing press release information or press information related to opening a traditional market in a financial service marginalized area, (S310) of analyzing the received information (S320), setting (S330) an optimal visit period periodically or irregularly through the analysis, And setting a final movement schedule of the mobile bank apparatus in accordance with the set visit period (S340).

Information on the opening schedule and location information of traditional markets such as 5 days for financial service disadvantaged areas, or receiving press information or media information related to location information, or request information on financial service use requests received from users in the financial service disadvantaged area The state of the area can be grasped (S310). Here, the financial marginalized area in which the financial service request information is received may include a new city and a residential district such as a metropolitan area where an apartment or house of about 5000 households or less exists in a region within a radius of about 500 meters.

Then, the financial server can collect information related to the opening of the traditional market such as the request of the residents of the financial marginalized area or the five-day market, and analyze (S320) about them.

Such analyzed information may include detailed criteria information such as, for example, classification by date, time, consideration of travel distance and travel route, and identification of expected attendance.

Regular or irregular visit schedules for the mobile banking device may be appropriately set (S330) in accordance with the analysis information thus formed. In other words, if the visit schedule of the mobile banking equipment is established in conjunction with the opening of the traditional market such as 5 days, the regular visit period may be appropriate, and in the case of the visit made by the residents, the non- . However, even if the visit schedule for the financial marginalized area is set by the request of the residents, it is of course possible to provide a structure such as selecting a specific day and visiting regularly.

It may be desirable to set such a visit period, especially in accordance with local market conditions, and in the case of a residential district near a metropolitan area and a small new city, a visit may be set to specify a specific day of the same place.

When the setting of the visit schedule (S330) is completed, a schedule for each date and time is set (S340). In this case, if the event is duplicated on the same date and time in the same time, And setting a schedule to correspond to the priority (S340).

For reference, in a case where a plurality of mobile banking devices are provided, it is natural that the financial server can separately set and manage schedules for each mobile banking device. It is also possible to add two or more mobile banking devices to a single event It may be possible to provide the configuration of FIG.

In addition, when the schedule setting for each mobile banking apparatus is completed (S340), the financial server informs the users of the financial services in the area related to the schedule of the establishment of the mobile banking apparatus, Can be provided. Such guidance may be performed through any conventional method including SMS or MMS, and the contact information of financial service users can be stored and managed through a financial server or the like.

The present invention is not limited to the above-described embodiments, and various changes, substitutions, and alterations can be made hereto without departing from the scope of the present invention. But the present invention is not limited thereto.

110: financial server
112: main server
114: Data transmission /
116: Database
120: Mobile banking device

Claims (7)

A method of operating a mobile banking system including a financial server and a mobile banking device,
The first step is to identify the selected areas that meet certain conditions in financial services marginalized areas;
A second step of setting a regular or irregular visiting schedule of the mobile banking device through analysis of the information obtained through the first step;
A third step of setting a travel schedule of the mobile banking device according to the visit schedule set through the second step; And
And providing the schedule information of the mobile banking apparatus set through the third step through a terminal of the financial service user related to the schedule,
The third step
Setting a priority by applying a weight to information obtained through the first step, and setting the driving schedule according to the priority.
The method according to claim 1,
The predetermined condition of the first step may include:
Financial services, or news media information, including schedule and location information relating to the opening of traditional markets, including five days in financial services,
Or by receipt of financial service use request information received from users in the financial services marginalized area.
delete Financial servers;
And a mobile bank device operating in a form mounted on a vehicle and capable of providing financial services through real-time data communication with the financial server,
The financial server,
Establish and manage schedules for the mobile banking device to visit regularly or on an irregular basis for selected areas of the financial services marginalized area that meet certain conditions,
A data receiving unit for receiving press information or press information including schedule and location information related to the opening of a traditional market including five days of financial services marginalized areas; And
And a main server for processing a financial service and analyzing data received through the data receiving unit to set a schedule of the mobile banking apparatus,
Wherein the main server comprises:
Setting a priority by applying a weight to information received through the data receiver, setting a schedule of the mobile bank apparatus according to the priority,
The financial server
And a data transmission unit for providing the schedule information of the mobile banking device through a terminal of a financial service user related to the schedule.
5. The method of claim 4,
The financial server,
And a database for storing and managing schedule information of the mobile banking apparatus set through the main server.
5. The method of claim 4,
The data receiving unit
Receiving financial service use request information received from users of the financial service marginalized area,
Wherein said financial services marginalized area is a region in which a house of about 5000 households or less exists in an area within a radius of about 500 meters.
6. The method of claim 5,
Wherein the database stores and manages contact information of the financial service user.

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