KR102289460B1 - System for user experience of financial transaction for senior - Google Patents

Abstract

The present invention relates to a system for user experience of financial transaction for seniors. Especially, the present invention relates to a system for user experience for seniors which provides learning properties, simplicity, familiarity, and clarity for seniors who have difficulties in using digital mobile financial services to actively enable the use of digital mobile financial services. The system comprises: a learning property providing part, a simplicity providing part, a familiarity providing part, and a clarity providing part.

Description

SYSTEM FOR USER EXPERIENCE OF FINANCIAL TRANSACTION FOR SENIOR

The present invention relates to a financial transaction user experience system for seniors, and more particularly, to actively provide digital mobile financial services for seniors who have difficulty in using digital mobile financial services by providing all of learning, simplicity, familiarity and clarity. It relates to a financial transaction user experience system for seniors that enables the use of

Due to the recent expansion of communication networks and the development of IT technology, digital financial transactions called mobile banking are being actively conducted without going to the bank.

In addition, in order to further improve the usability, a simple remittance service, which allows remittance with a simple authentication method such as a password, without a security card or OTP, is being implemented.

As a result, many people handle most of their financial transactions at home or in the office, and if the safety of financial transactions is guaranteed in the future, the number of customers who sign up for mobile banking or simple remittance is expected to increase.

However, as various additional functions are added for convenience of use, the usage of mobile financial services is rather complicated and diversified, so only young customers increase.

Accordingly, as a result of examining the difficulties of mobile finance of the senior class, difficulties in learning due to the complexity and diversity of the mobile finance environment and the absence of simplicity that can be processed more conveniently and quickly are confirmed as problems.

In addition, problems such as lack of familiarity, such as worries about financial transaction errors due to unfamiliar mobile environment or inexperienced use, and lack of clarity, such as lack of an interface suitable for user characteristics in a mobile environment where there is no face-to-face with a banker, are identified as problems. .

Republic of Korea Patent Publication No. 10-2014-006688 Republic of Korea Patent Publication No. 10-2014-0094234

The present invention is to solve the above problems, and by providing all of learning, simplicity, familiarity and clarity for seniors who have difficulty in using digital mobile financial services, it is possible to actively use digital mobile financial services. We want to provide a financial transaction user experience system for seniors.

To this end, the financial transaction user experience providing system for seniors according to the present invention is a bank tutorial module that provides a learning function for mobile banking services to bank users through a kiosk and a financial product introduction module that introduces financial products during bank waiting time A learning providing unit having a; A remittance block module that provides an interface for remittance with a single touch to a mobile terminal user, a call banking module that calls the nearest mobile bank store based on location information of the mobile terminal, and frequently used financial services are provided to the mobile terminal a convenience providing unit having a service widget module provided to; a familiarity providing unit having a mobile tutorial module that provides a tutorial on mobile banking through an icon provided from the mobile terminal and a character escort module that provides a mobile banking introduction service through a character selected by the user; and a remittance reconfirmation module that issues a warning when a remittance request that exceeds the learned remittance pattern occurs, a real passbook providing module that provides digital passbook details similar to a real passbook, and a custom interface module that changes the mobile banking interface according to a user's request It is characterized in that it includes; a clarity providing unit having a.

In this case, the bank tutorial module includes: a tutorial DB for storing multi-step tutorials for mobile banking services; a banking template unit for generating templates corresponding to each step of the tutorial and providing them to the kiosk screen of the bank; and a simulation unit that sequentially advances the templates according to the order of the tutorial to the learning step of the senior.

In addition, the financial product introduction module includes a user DB for storing personal information of seniors with financial transaction experience; a user searcher for extracting personal information by searching the user DB when identification information of a senior is input through an input means of a mobile robot disposed in a bank; a financial product DB for storing information on a plurality of financial products; a financial product searcher that analyzes the personal information to search for and provide information on at least one or more financial products suitable for the senior from the financial product DB; an information output device provided in the mobile robot and providing information on the searched financial product to a senior who has requested a search; and a printer for outputting information on the searched financial product upon the senior's request.

In addition, the remittance block module includes: a block selector providing at least one remittance block icon selectable through a touch on the screen of the mobile terminal; a remittance block generating unit that is provided when the remittance block icon is selected, and generates a remittance block by combining information necessary for remittance, including an account number and remittance amount; and a block mobile banking unit that, when a remittance request command is input through the remittance block, converts the remittance procedure into a remittance procedure suitable for the bank's procedure, and proceeds the remittance.

In addition, a remittance history DB for storing the senior's bank remittance history; a remittance history extraction unit for extracting the remittance history of the senior from the remittance history DB; and an identical transaction collection unit that extracts details of the same remittance being made more than a set number of times from the remittance history and provides the same to the remittance block generation unit, wherein the remittance block generation unit uses the remittance details provided by the same transaction collection unit It is desirable to automatically generate remittance blocks.

In addition, the call banking module includes a call screen generation unit for generating a call screen for a mobile bank store in the mobile terminal; a selection screen generating unit for generating a screen for selecting a bank business to be provided; a bank search unit that receives the current location from the location information provider mounted on the mobile terminal and searches for the nearest mobile bank store; and a bank call unit that accesses the searched mobile bank store and calls to visit a set location to proceed with call banking.

In addition, the service widget module includes: a widget list providing unit that searches a financial service DB storing various financial service information and provides a list of widgets that can be provided among them; a widget command processing unit for calling a financial service corresponding to a widget selected from the provided widget list to a mobile terminal; and a terminal authentication unit that processes a user authentication procedure when providing the called financial service.

In addition, the mobile tutorial module includes: a tutorial list providing unit that provides a plurality of tutorial lists related to banking when a fixed icon is selected on one side of the screen of the mobile terminal; a tutorial search unit that searches a DB in which tutorials are stored and provides a tutorial to the mobile terminal when any one of the provided tutorial lists is selected; and a virtual commerce generation unit that provides learning on virtual banking business by conducting a tutorial in a virtual banking transaction environment according to the learning sequence included in the provided tutorial.

In addition, the character escorting module includes: a setting interface for searching a character DB storing characters of various genders and appearances and a voice DB storing various voices to provide financial service introduction; a voice analyzer for generating machine language by voice analysis of a command input through a microphone provided in the mobile terminal; and a transaction processing unit receiving a machine language command provided by the voice analysis unit and proceeding with the financial service.

In addition, the remittance reconfirmation module includes: a transaction history collecting unit for extracting the transaction history by searching the financial transaction DB in which the remittance details are stored; a category classification unit for extracting a remittance counterpart and a remittance amount included in the transaction history; a transaction range inference unit for inferring a transaction range with the remittance counterpart by learning a plurality of remittance amounts for the same remittance counterpart; a comparison unit that compares whether a remittance amount to the remittance counterpart is within a transaction range when remittance is made through a mobile terminal; and a warning unit for issuing a warning to the mobile terminal in which the remittance is in progress if it is determined that the transaction is out of the transaction range as a result of the comparison in the comparison unit.

In addition, the real passbook providing module includes a template providing unit for providing a paper passbook template similar to the real passbook for each bank; a transaction history conversion unit that searches the DB in which the mobile banking user's bank transaction details are stored and matches the paper passbook template; and a scaler that image-processes the paper passbook template on which the transaction details are stamped and outputs it to the screen of the mobile terminal.

In addition, the custom interface module may include a setting list providing unit including character setting, icon setting, and amount unit setting; and a preview providing unit that previews the environment set through the setting list providing unit in the mobile terminal.

As described above, the present invention provides all of learning, simplicity, familiarity, and clarity for seniors who have difficulty in using digital mobile financial services. Therefore, it is possible to increase the financial convenience of seniors and actively attract them as customers of digital mobile financial services.

1 is a diagram illustrating a concept of a financial transaction user experience system for seniors according to the present invention.
2 is a diagram illustrating a main service that can be provided through the financial transaction user experience system for seniors according to the present invention.
3 is a block diagram illustrating a financial transaction user experience system for seniors according to the present invention.
4A to 4D are diagrams illustrating a financial transaction user experience system for seniors according to a first embodiment of the present invention.
5A to 5D are diagrams illustrating a financial transaction user experience system for seniors according to a second embodiment of the present invention.
6A to 6D are diagrams illustrating a financial transaction user experience system for seniors according to a third embodiment of the present invention.
7A to 7D are diagrams illustrating a financial transaction user experience system for seniors according to a fourth embodiment of the present invention.
8A to 8D are diagrams illustrating a financial transaction user experience system for seniors according to a fifth embodiment of the present invention.
9A to 9D are diagrams illustrating a financial transaction user experience system for seniors according to a sixth embodiment of the present invention.
10A to 10D are diagrams illustrating a financial transaction user experience system for seniors according to a seventh embodiment of the present invention.
11A to 11D are diagrams illustrating a financial transaction user experience system for seniors according to an eighth embodiment of the present invention.
12A to 12D are diagrams illustrating a financial transaction user experience system for seniors according to a ninth embodiment of the present invention.
13A to 13D are diagrams illustrating a financial transaction user experience system for seniors according to a tenth embodiment of the present invention.

Hereinafter, a financial transaction user experience system for seniors according to a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1, the financial transaction user experience providing system for seniors according to the present invention provides learning, simplicity, familiarity and clarity to seniors in various digital mobile financial services such as telebanking, mobile banking, and simple remittance service.

Typically, the purpose of learning is to overcome the difficulties of learning due to the complexity and diversity of the mobile financial environment, and simplicity aims to provide a financial environment that allows for simpler and faster processing for seniors.

Familiarity provides a familiar mobile environment and solves problems such as financial transaction errors due to inexperienced use, and clarity aims to provide a user interface suitable for user characteristics in a mobile environment where there is no face-to-face with a banker.

Accordingly, as shown in FIG. 2 , the present invention provides the role of a kind expert, a time-saving helper, a teacher in my hand, and a mistake-free introducer in providing digital mobile financial services.

To this end, as shown in FIG. 3 , the financial transaction user experience providing system for seniors according to the present invention includes a learnability providing unit 10 , a convenience providing unit 20 , a familiarity providing unit 30 , and a clarity providing unit 40 . include

In addition, the learnability providing unit 10 includes a bank tutorial module 11 and a financial product introduction module 12 , and the convenience providing unit 20 includes a remittance block module 21 , a call banking module 22 and a service a widget module 23 .

In addition, the familiarity providing unit 30 includes a mobile tutorial module 31 and a character escorting module 32 , and the clarity providing unit 40 includes a remittance reconfirmation module 41 , a real passbook providing module 42 and an interface module 43 .

Such technical components of the present invention may be implemented through a mobile financial service server, and some may be implemented through a kiosk installed in a bank or a mobile robot provided in a bank, as will be described later.

In addition, it may be provided by the implementation of an application (application, App) in a mobile terminal such as a smart phone, and may be implemented as an application server capable of downloading a corresponding application to the same purpose.

Meanwhile, as shown in FIG. 4A , the bank tutorial module 11 of the learnability providing unit 10 provides a learning function for the mobile banking service to the bank user. For example, it allows users to experience the main functions of mobile banking services through a kiosk installed in a bank.

Therefore, it solves the problem that it is difficult for seniors to start digital mobile finance, such as mobile banking, because of the complicated initial setting stage, and enables them to learn how to use digital mobile financial services.

As shown in Fig. 4b, the bank tutorial module 11 includes a tutorial DB (DataBase, 11a), a banking template unit 11b and a simulation unit 11c, among which the tutorial DB 11a is a multi-step for mobile banking service. Stores and provides a tutorial of

The banking template unit 11b generates templates corresponding to each step of the tutorial provided in the tutorial DB 11a and provides them to the kiosk terminal screen of the bank.

The simulation unit 11c sequentially proceeds with the templates according to the sequence of the tutorial in each learning step performed by the senior, and the template provision and sequential progress may be performed in the kiosk itself or may be provided from the server to the kiosk through the communication module 11d. .

4c and 4b , a user experience scenario provided through the bank tutorial module 11 of the learnability providing unit 10 is illustrated as an example. As shown, the senior goes to the bank and experiences the tutorial kiosk.

The kiosk provides tutorials on various banking tasks, including remittance, account registration, account verification, and balance management, on the template screen, respectively.

When selecting a tutorial, the mobile remittance procedure is performed in a virtual environment without the need for additional personal information input or authentication, and information necessary for remittance such as amount and account number can be learned through learning. In this case, a description of each menu may also be provided.

Next, as shown in FIG. 5A, the financial product introduction module 12 of the learnability providing unit 10 introduces financial products while the senior waits for the banking order at the bank, and is customized through a mobile robot moving within the bank. provide financial products.

Therefore, depending on the time zone and situation, even if the waiting time at the bank is long, you can wait while receiving financial product information, and you can apply for useful financial product information while waiting at the bank.

As shown in Fig. 5b, the financial product introduction module 12 is a preferred embodiment of a user DB 12a, a user searcher 12b, a financial product DB 12c, a financial product searcher 12d, an information output device 12e, and a printer ( 12f).

At this time, the user DB 12a stores personal information of a senior with financial transaction experience. Personal information may include various information such as account number as well as gender, age, transaction history, property status, and subscription status of other financial products.

As shown in FIG. 5C , when senior identification information such as a name or account number is input through an input means of a mobile robot disposed in a bank, the user searcher 12b searches the user DB 12a and extracts personal information. The extracted personal information is provided to the financial product searcher 12d below.

The financial product DB 12c stores and provides information on a plurality of financial products, and preferably provides financial products such as a visiting bank or an insurance company related thereto. In addition, financial products of other banks may be provided if necessary.

The financial product searcher 12d analyzes the senior's personal information found through the user searcher 12b, and searches for and provides information on at least one or more financial products suitable for the senior from the financial product DB 12c. Therefore, the senior can select any one of them.

As shown in Fig. 5d, the financial product selected by the senior can be explained through various media including voice through the information output device (eg, speaker) 12e provided in the mobile robot itself, and printed for more detailed explanation or product subscription. If desired, information on financial products can be printed on the printer 12f of the mobile robot.

Therefore, seniors can receive information related to the financial product (eg, savings account) of their choice to the bank teller at the bank window and receive immediate consultation, and can also save consultation time by hearing the explanation of the financial product in advance. .

Next, as shown in FIG. 6A , the remittance block module 21 of the convenience providing unit 20 provides an interface through which remittance is performed with a single touch to a mobile terminal user, that is, a senior. Eliminate repetition, allowing transfers to be carried out with minimal procedures.

6b, the remittance block module 21 includes a block selection unit 21a, a remittance block generation unit 21b, and a block mobile banking unit 21c. In addition, as a more preferred embodiment, it further includes a remittance history extraction unit 21d and the same transaction collection unit 21e.

Here, the block selection unit 21a provides at least one or more remittance block icons selectable through a touch on the screen of the mobile terminal. Each of the remittance block icons serves as a selection button that provides an environment for remittance with one touch.

When a plurality of remittance block icons are generated as shown in FIG. 6c, some may have already been assigned to a specific remittance block, and when the characteristic (generated) remittance block icon is selected, the remittance block is automatically generated and confirmed on the screen Remittance is made only through the process.

Other than the specified remittance block, the remainder may be an empty icon that has not yet been assigned to a specific remittance block, and whenever a new remittance block is generated, the generated remittance block may be linked.

The remittance block generating unit 21b is provided when the remittance block icon is selected, and generates a remittance block by combining information necessary for remittance, including an account number and remittance amount. A 'confirm' button is provided in such a remittance block so that remittance is made to the other party with only one-touch operation of pressing the confirmation button.

When a remittance request command is input through the remittance block, the block mobile banking unit 21c converts the remittance procedure into a remittance procedure suitable for the bank's procedure and proceeds the remittance. The remittance block itself automatically collects input information or procedures necessary for remittance and puts it in one block, so the contents are converted into machine instructions suitable for each financial transaction.

Unlike the user interface shown to the senior as shown in FIG. 6D , a transaction related to remittance is actually performed with a remittance command with a financial institution. Therefore, the senior can automatically transfer money from the block mobile banking unit 21c by simply entering a password and pressing OK without having to make a decision.

On the other hand, the remittance history extraction unit 21d and the same transaction collection unit 21e are for automatically generating the remittance block displayed through the remittance block icon as described above. to create a remittance block.

To this end, the remittance history extraction unit 21d extracts the senior's remittance history from the remittance history DB that stores the senior's bank remittance history, and the same transaction collection unit 21e performs the same remittance more than a set number of times among the extracted remittance histories. extract the history.

The same transaction collection unit 21e provides the information to the remittance block generation unit 21b when, for example, the same amount is remitted to the same counterpart more than 5 times, and the remittance block generation unit 21b responds to the remittance details. automatically creates a remittance block to

However, in the above description, the generation of the same remittance block as it is by analyzing the remittance history of the senior over a certain number of times has been described, but in the present invention, the senior may directly call the remittance block creation screen to generate it.

Next, as shown in Figure 7a, the call banking module 22 of the convenience providing unit 20 calls the nearest mobile bank store based on the location information of the mobile terminal. save the time it takes.

7b, the call banking module 22 includes a call screen generation unit 22a, a selection screen generation unit 22b, a bank search unit 22c and a bank call unit 22d, which are It can be implemented by running the application.

7c, the call screen generating unit 22a generates a call screen for a mobile bank store including a button such as 'Call' on the mobile terminal, and the selection screen generating unit 22b selects a bank business to be provided. create The banking business includes, for example, various tasks such as re-reporting, insurance subscription, and financial product consultation.

As shown in FIG. 7D , the bank search unit 22c retrieves the nearest mobile bank store by receiving the current location from the location information provider mounted on the mobile terminal. The location information provider includes a GPS module mounted on the mobile terminal itself or a memory device that stores the pre-registered business address of the subscriber.

The bank call unit 22d accesses the searched mobile bank store and calls to visit the set location to proceed with call banking, and the mobile bank manager visits the location set by the mobile terminal after completing the preparation for the task previously selected by the senior. do.

Therefore, seniors can call a mobile bank store without a separate complicated request process and can conveniently view banking business at their location, thereby shortening offline banking hours through call banking.

Next, as shown in FIG. 8A , the service widget module 23 of the convenience providing unit 20 provides frequently used financial services to the senior's mobile terminal. Financial functions frequently used by users include, for example, remittance, balance check, financial product inquiry, and financial news inquiry.

Although it is a function that is frequently accessed, conventionally, it is very inconvenient for seniors because it runs a bank application and goes through various procedures. Accordingly, the present invention provides simple function execution without access to a mobile banking application.

Accordingly, as shown in FIG. 8B , the service widget module 23 includes a widget list providing unit 23a, a widget command processing unit 23b, and a terminal authentication unit 23c. These may also be implemented by executing the application in the senior's mobile terminal, and among them, the terminal authentication unit 23c may be replaced by a method of interworking with the previously installed one.

In this case, the widget list providing unit 23a searches a financial service DB storing various financial service information and provides a list of widgets that can be provided by the mobile terminal among them. The widget list that can be provided as shown in FIG. 8C includes various financial transactions such as simple remittance, account transfer, transaction details, deposit details, and withdrawal details.

The widget command processing unit 23b calls a financial service corresponding to the widget selected by the senior from among the widget lists provided on the screen of the senior's mobile terminal to the mobile terminal. That is, the service is called only by running the widget without accessing a separate mobile banking application.

For example, when receiving a text message from the customer that the deposit has been completed, the user runs a widget provided on the desktop screen to access the service without a separate procedure to check the deposit details.

As shown in FIG. 8D , the terminal authentication unit 23c processes a user authentication procedure when providing the called financial service. The authentication process is simplified by using the password or account number set by the senior.

Next, as shown in FIG. 9A , the mobile tutorial module 31 of the familiarity providing unit 30 brings up a tutorial for mobile banking through an icon provided by the senior's mobile terminal and provides it to the senior.

This mobile tutorial module 31 is provided from a mobile terminal, and it enables repeated tutorial learning through a fixed icon at all times, and indexes the mobile banking service by function so that desired learning can be selected.

To this end, as shown in FIG. 9B , the mobile tutorial module 31 includes a tutorial list providing unit 31a , a tutorial search unit 31b , and a virtual commerce generating unit 31c . Preferably, these configurations are implemented by the execution of an application in the senior's mobile terminal, but may be provided through a separate learning terminal if necessary.

As shown in FIG. 9C , the tutorial list providing unit 31a provides a plurality of tutorial lists related to banking through icons provided on the screen of the mobile terminal. For example, a tutorial is always provided through an icon fixed at the bottom right of the terminal screen.

When any one of the tutorial lists provided as above is selected by the senior, the tutorial search unit 31b searches the tutorial DB in which the tutorial is stored and provides the tutorial to the mobile terminal.

As shown in FIG. 9D , the false transaction generating unit 31c provides a learning effect on virtual banking to the senior by conducting the tutorial in the virtual banking environment according to the learning sequence included in the provided tutorial.

The virtual banking transaction environment is preferably provided with the same service screen and the same financial transaction procedure as the real mobile banking, and for the purpose of learning, no actual transaction is made. Therefore, the senior learns the tutorial at any time with a comfortable mind.

Next, as shown in FIG. 10A , the character escorting module 32 of the familiarity providing unit 30 provides a character responsible for providing a mobile banking introduction service through a character selected by the user.

Therefore, the user can select a familiar image and character, and through the character, it is possible to receive 1:1 guidance in the process of using the actual service.

As shown in Fig. 10b, the character escorting module 32 includes a setting interface 32a, a voice analysis unit 32b, and a transaction processing unit 32c, and is implemented by an application in the mobile terminal.

Among them, the setting interface 32a searches for a character DB that stores characters of various genders and appearances and a voice DB that stores various voices, and provides them to the introduction of financial services.

As shown in FIG. 10C , a guide service is also available for the character or voice selection process, and the senior selects, for example, a young male character similar to his son's voice.

The voice analyzer 32b generates machine language by analyzing the voice command input through the microphone provided in the mobile terminal, and the senior can have a conversation with the character through voice input, and financial transactions such as remittance are also made through this. .

As shown in FIG. 10D , the transaction processing unit 32c receives the machine language command provided by the voice analysis unit 32b as above and proceeds with the financial service. At this time, if the senior is inexperienced in using it, the character kindly guides him to try again.

Next, as shown in FIG. 11A , the remittance reconfirmation module 41 of the clarity providing unit 40 provides a warning (notification message) to Sini when a remittance request exceeds the learned remittance pattern to prevent presbyopia and reduced body functions. This reduces mobile banking remittance mistakes and prevents users from being unable to use the service for fear of making a mistake.

Accordingly, as shown in Fig. 11b, the remittance reconfirmation module 41 includes a transaction history collection unit 41a, a category classification unit 41b, a transaction range inference unit 41c, a comparison unit 41d, and a warning unit 41e. , they are implemented by the execution of the application on the mobile terminal.

At this time, the transaction history collecting unit 41a searches the financial transaction DB in which the remittance details are stored and extracts the transaction history. may be

The category classification unit 41b extracts the remittance counterpart and the remittance amount included in the transaction history, respectively, and extracts and classifies the remittance counterpart and the remittance amount required for reconfirmation of remittance among various pieces of information necessary for financial transactions.

11c , the transaction range inference unit 41c learns a plurality of remittance amounts for the same remittance counterpart and infers a transaction range with the remittance counterpart. As an example, the transaction range may be calculated as an average value of the recent 5 to 10 transactions as a sample.

The comparison unit 41d compares whether the remittance amount to the remittance counterpart is within a transaction range when remittance is made through the mobile terminal.

As shown in FIG. 11D , when it is determined that the current remittance action is out of the transaction range as a result of comparison in the comparison unit 41d, the warning unit 41e issues a warning to the mobile terminal of the senior in the process of remittance.

The warning can be voiced, but it is preferable to be provided in the form of a notification window provided on the remittance screen, and it is made in a way that suggests checking the amount once again in the notification window.

Next, as shown in FIG. 12A , the real passbook providing module 42 of the clarity providing unit 40 provides a digital passbook similar to a real passbook, and provides a UI similar to a real passbook to seniors who are familiar with the existing paper passbook method. .

As shown in Fig. 12b, the real passbook providing module 42 includes a template providing unit 42a, a transaction history converting unit 42b and a scaler 42c, which are implemented by executing an application in a mobile terminal.

In this case, the template providing unit 42a provides a paper passbook template similar to a real passbook for each bank. The template is provided in the same or similar image as the existing paper passbook, and the paper passbook template does not yet include details.

As shown in FIGS. 11C and 11D , the transaction history conversion unit 42b searches the DB in which the mobile banking user's bank transaction details are stored and matches them with the paper passbook template. That is, the transaction details are virtually printed on the blank paper passbook template and the details are included.

The scaler 42c image-processes the paper passbook template with transaction details and outputs it to the screen of the mobile terminal. Such a scaler provides, for example, a screen similar to that of a conventional paper passbook by laying the passbook image on its side.

Next, as shown in FIG. 13A, the custom interface module 43 of the clarity providing unit 40 changes the mobile banking interface according to the user's request, and the setting list providing unit ( 43a) and a preview providing unit 43b that previews the environment set through the setting list providing unit 43a in the mobile terminal.

Therefore, the customized interface module 43 allows seniors who find it difficult to use digital devices due to reduced physical ability to adjust the font size, icon sharpness, etc. of the mobile banking application as desired.

As shown in FIG. 13B , the user receives a screen provided by the character setting unit 43a-1, the icon setting unit 43a-2, and the amount unit setting unit 43a-3 in the mobile terminal by the setting list providing unit 43a. , and select the necessary settings among them.

13c, the senior selects the font setting unit 43a-1 when setting the font size, color, and font, and selects the icon setting unit 43a-2 when setting the sharpness or size of the icon. , Select the desired option using the radio buttons or the control bar.

In particular, as shown in FIG. 13D , the amount unit is set through the amount unit setting unit 43a - 3 to set the amount unit instead of the general number format. This makes it easier to verify the amount. For example, if you set the unit in 10,000 won, '30000 won' is expressed as '300,000 won', making it easier to check and reduce mistakes.

In the above, specific embodiments of the present invention have been described above. However, the spirit and scope of the present invention are not limited to these specific embodiments, but various modifications and variations are possible within the scope that does not change the gist of the present invention. You will understand when you grow up.

Accordingly, since the embodiments described above are provided to fully inform those of ordinary skill in the art to which the present invention belongs the scope of the invention, it should be understood that they are exemplary in all respects and not limiting, The invention is only defined by the scope of the claims.

10: learnability providing unit
11: Bank Tutorial Module
12: Financial product introduction module (12)
20: convenience providing unit
21: remittance block module
22: Call banking module
23: Service Widget Module
30: Familiarity provider
31: Mobile Tutorial Module
32: Character Escort Module
40: Clarity provider
41: remittance reconfirmation module
42: real passbook providing module
43: interface module

Claims (12)

A learnability providing unit 10 having a bank tutorial module 11 that provides a learning function for mobile banking services to bank users through a kiosk and a financial product introduction module 12 that introduces financial products during bank waiting time; ;
A remittance block module 21 that provides an interface for remittance with a single touch to a mobile terminal user, a call banking module 22 that calls the nearest mobile bank store based on the location information of the mobile terminal, and a frequently used a convenience providing unit 20 having a service widget module 23 for providing financial services to the mobile terminal;
Familiarity providing unit having a mobile tutorial module 31 that provides a tutorial on mobile banking through an icon provided from the mobile terminal and a character escort module 32 that provides a mobile banking introduction service through a character selected by the user (30); and
A remittance reconfirmation module 41 that issues a warning when a remittance request exceeding the learned remittance pattern occurs, a real passbook providing module 42 that provides digital passbook details similar to a real passbook, and a mobile banking interface according to the user's request A financial transaction user experience providing system for seniors comprising a; clarity providing unit 40 having a custom interface module 43 for changing. According to claim 1,
The bank tutorial module 11,
a tutorial DB 11a for storing a multi-step tutorial for the mobile banking service;
a banking template unit 11b that generates templates corresponding to each step of the tutorial and provides them to the kiosk screen of the bank; and
The system for providing a financial transaction user experience for seniors, comprising: a simulation unit (11c) that sequentially advances the templates according to the sequence of the tutorial to each learning step of the senior. 3. The method of claim 2,
The financial product introduction module 12,
a user DB (12a) for storing personal information of seniors with financial transaction experience;
a user searcher (12b) for searching the user DB (12a) and extracting personal information when identification information of a senior is input through an input means of a mobile robot disposed in a bank;
a financial product DB 12c for storing information on a plurality of financial products;
a financial product searcher (12d) that analyzes the personal information and searches for and provides information on at least one or more financial products to the senior from the financial product DB (12c);
an information output device (12e) provided in the mobile robot and providing information on the searched financial product to a senior who has requested a search; and
and a printer (12f) for outputting information on the searched financial product upon the senior's request. According to claim 1,
The remittance block module 21,
a block selection unit 21a providing at least one remittance block icon selectable through a touch on the screen of the mobile terminal;
a remittance block generating unit 21b provided when the remittance block icon is selected, and generating a remittance block by combining information necessary for remittance, including an account number and remittance amount; and
When a remittance request command is input through the remittance block, the block mobile banking unit 21c converts the remittance procedure into a remittance procedure suitable for the procedure of the bank and proceeds remittance; a system for providing financial transaction user experience for seniors, comprising: . 5. The method of claim 4,
a remittance history extraction unit 21d for extracting the senior's remittance history from the remittance history DB for storing the senior's bank remittance history; and
The same transaction collection unit (21e) extracting the same remittance made more than a set number of times from the remittance history and providing the same to the remittance block generation unit;
The remittance block generation unit 21b automatically generates the remittance block with the remittance details provided by the same transaction collection unit. 5. The method of claim 4,
The call banking module 22,
a call screen generating unit 22a for generating a call screen for a mobile bank store in a mobile terminal;
a selection screen generating unit 22b for generating a screen for selecting a bank business to be provided;
a bank search unit 22c for receiving the current location from the location information provider mounted on the mobile terminal and searching for the nearest mobile bank store; and
and a bank call unit (22d) for performing call banking by accessing the searched mobile bank store and calling to visit a set location. 5. The method of claim 4,
The service widget module 23,
a widget list providing unit 23a that searches a financial service DB storing various financial service information and provides a list of available widgets among them;
a widget command processing unit 23b for calling a financial service corresponding to a widget selected from the provided widget list to the mobile terminal; and
and a terminal authentication unit (23c) that processes a user authentication procedure when providing the called financial service. According to claim 1,
The mobile tutorial module 31,
a tutorial list providing unit 31a for providing a plurality of tutorial lists related to banking when an icon fixed to one side of the screen of the mobile terminal is selected;
a tutorial search unit 31b that searches a DB in which a tutorial is stored and provides a tutorial to the mobile terminal when any one of the provided tutorial lists is selected; and
A financial transaction user for seniors comprising: a virtual commerce generating unit 31c that provides learning about virtual banking by conducting a tutorial in a virtual banking environment according to the learning sequence included in the provided tutorial; experience delivery system. 9. The method of claim 8,
The character escorting module 32,
a setting interface 32a that searches for a character DB storing characters of various genders and appearances and a voice DB storing various voices to provide financial service introduction;
a voice analysis unit 32b for generating machine words by voice analysis of commands input through a microphone provided in the mobile terminal; and
and a transaction processing unit (32c) that receives the machine language command provided by the voice analysis unit (32b) and proceeds with the financial service. According to claim 1,
The remittance reconfirmation module 41,
a transaction history collecting unit 41a for extracting transaction history by searching a financial transaction DB in which remittance details are stored;
a category classifying unit 41b for extracting the remittance counterpart and the remittance amount included in the transaction history;
a transaction range inference unit 41c for inferring a transaction range with the remittance counterpart by learning a plurality of remittance amounts for the same remittance counterpart;
a comparison unit 41d for comparing whether the remittance amount to the remittance counterpart is within a transaction range when remittance is made through the mobile terminal; and
and a warning unit (41e) for issuing a warning to the mobile terminal in which the remittance is in progress when it is determined that the transaction is out of the transaction range as a result of the comparison in the comparison unit. 11. The method of claim 10,
The real passbook providing module 42,
a template providing unit 42a that provides a paper passbook template similar to a real passbook for each bank;
a transaction history conversion unit 42b that searches the DB in which the mobile banking user's bank transaction details are stored and matches the paper passbook template; and
and a scaler (42c) for image processing the paper passbook template on which the transaction details are recorded and outputting it to the screen of the mobile terminal. 11. The method of claim 10,
The custom interface module 43,
a setting list providing unit 43a including text setting, icon setting, and amount unit setting; and
Financial transaction user experience providing system for seniors comprising a; a preview providing unit (43b) for previewing the environment set through the setting list providing unit in the mobile terminal.

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