KR102353947B1 - Server for providing financial instrument subscription service based on the intelligent verification process by stages - Google Patents

Abstract

Disclosed are a server, a terminal device, and a system for providing a financial product subscription service based on an intelligent stepwise verification process, and a method using the same. According to an embodiment of the present invention, when a financial product (for example, an insurance product) is signed up for (contracted), the obligation to explain information on the financial product (for example, insurance application forms, insurance clauses, product booklets, and insurance policies) provided to clients and a procedure for agreeing to the information are verified in stages by an intelligent algorithm, and can be managed efficiently. In addition, a script is provided so that the client can visually recognize contents when the client receives the information on the financial product to be subscribed and agrees thereto. When the contents of the script are delivered in an audio so that the same can be re-recognized aurally, the contents are recorded, and whether the script and the recording match each other can be verified by the intelligent algorithm in sections. According to a determination for each section, a verification process using re-recording and a re-determination, a verification process of analyzing the script and the recording and classifying the same in grades according to a set matching ratio, and a re-verification process according to a set grade among the classified grades can be further performed step by step. The server comprises: a script providing unit; a third verification unit for classifying and verifying combined scripts in grades or classifying and verifying the same in grades every section of the combined scripts; and a fourth verification unit for generating the verified scripts and verified recordings.

Description

A server for providing subscription services for financial products based on an intelligent step-by-step verification process {SERVER FOR PROVIDING FINANCIAL INSTRUMENT SUBSCRIPTION SERVICE BASED ON THE INTELLIGENT VERIFICATION PROCESS BY STAGES}

The present invention relates to a server, a terminal device, a financial product subscription service system for providing a financial product subscription service based on an intelligent step-by-step verification process, and a method using the same. More specifically, when subscribing to a financial product (for example, an insurance product), the obligation to explain the financial product-related information provided to customers and the consent procedure are related to technology that can be accurately managed through an intelligent step-by-step verification process. will be.

In recent years, as e-commerce through the Internet becomes more active, development of e-commerce technology related to intangible financial products such as deposits, insurance, and securities in addition to conventional tangible products and a system for implementing them is required.

In particular, when subscribing to a financial product, legally it is necessary to obtain sufficient explanation and consent for the financial product, but in the past, all these processes were documented (paper), which was cumbersome and inconvenient. Moreover, looking at the process of explaining financial products (eg, insurance products) to customers, most insurance solicitors visit customers and simply read product-related information, or insurance consultants over the phone It was conducted in a unilateral way, and only formal consent was obtained from the customer, so there was a limitation in delivering sufficient information about the contents of the insurance product actually subscribed to.

Typically, insurance solicitors or telephone insurance consultants may quickly and inaccurately read the contents of the insurance products they want to purchase due to time constraints or negligence, or artificially omit and explain some contents. In this case, the customer may later raise a problem due to the insufficiency of the insurer's obligation to explain, and as a result, due to the risk of incomplete sales, there is a potential for disputes between the customer and the financial company (insurance company).

In order to prevent this problem, financial companies (insurance companies) are supplementing to make more accurate explanations through sound recordings, and essential documents are directly delivered or additionally notified to customers through postal mail.

However, even after performing such a recording process, there is a limitation in that the accuracy of the recorded file varies greatly depending on the language habit, language proficiency, and pronunciation/voicing characteristics of the person (insurance solicitor, telephone insurance consultant) explaining (reading) the insurance product. Have. For example, there is a risk that the person who explains (reads) the insurance product (insurance solicitor, telephone insurance consultant) has problems with pronunciation, speed, intonation, etc. As you read, problems such as omissions and errors may cause disputes with customers when paying insurance money.

In addition, it is difficult for individual insurance planners to systematically classify and back up recorded files related to insurance product subscriptions (contracts) of numerous customers, and there is also a problem in that it is impossible to check in real time whether the recording was done properly.

Therefore, we have clearly communicated the details of the financial product to the customer, and have developed a technology that can more objectively and accurately prove the customer's consent (or approval) and a technology that can efficiently back up and manage a large amount of recorded files There is a need for

Laid-Open Patent Publication No. 10-2003-0075583 (published date: September 26, 2003)

Accordingly, the present invention is intended to solve all the problems of the prior art as described above, and information related to the financial product (eg, insurance) provided to the customer when signing up (contracting) a financial product (eg, insurance product) The purpose of this is to verify the duty of explanation and the consent procedure for the subscription form, insurance contract, product description, insurance policy, etc.) by performing the verification process step by step by an intelligent algorithm, and to manage it efficiently.

In addition, the present invention provides a script so that the customer can visually recognize the contents when explaining and agreeing to the financial product that the customer wants to subscribe to, Another object is to record this so that the match between the script and the recording can be verified by an intelligent algorithm for each section.

In addition, the present invention provides a verification process through re-recording and re-judgment according to the determination for each section, a verification process of analyzing the script and recording and classifying them by grade according to a set matching ratio, and re-recording according to a set grade among the classified grades. Another purpose is to further carry out the verification process step by step.

A server according to an embodiment of the present invention provides a server for providing a financial product subscription service on a communication network, comprising: a script providing unit for providing financial product related information as an original script to an intermediary terminal device and optionally a client terminal device; When the voice corresponding to the original script is collected and recorded by the intermediary terminal device and optionally the client terminal device, it is received and determined whether or not the original script is consistent with the original script for each section, and according to the determination result, the original script is recorded. a first verification unit generating a first verification script by reflecting the determination result in at least one of a color and a shape; The first verification script is provided to the intermediary terminal device and optionally the client terminal device, and based on the color and shape of the first verification script in which the determination result is reflected, the intermediary terminal device and optionally the client terminal device If a subsequent section including the selected section is re-recorded according to the selection, it is received and re-determined whether the subsequent section including the selected section matches the original script for each section, and the selected section according to the judgment result a second verification unit for generating a second verification script by reflecting the judgment result in at least one of the color or shape of the subsequent original script or the first verification script, including; The second verification script is provided to the intermediary terminal device and optionally the client terminal device, and when verification passes according to selections made by the intermediary terminal device and optionally the client terminal device, the first verification script and the second verification script are provided. According to a matching ratio set by comparing the script in which the verification script is combined with the recording in which the recording and the re-recording are combined, classifying the combined script by grade, or classifying and verifying the combined script by grade for each section of the combined script 3 verification unit; If the grade of the classified combined script or the classified combined script section is greater than or equal to a set grade, only the combined script is re-verified, and if it is less than the set grade, both the combined script and the combined recording are re-verified, , a fourth verification unit that generates a verification completed script and a verification completed recording; and a subscription management unit that performs and records the financial product subscription confirmation call to the client terminal device based on the verified script and the verified recording.

In addition, the section may be characterized in that it is a word or sentence constituting the corresponding script.

In addition, the shape may be any one of a font size, a font, a character thickness, a character inclination, and a character underline of the corresponding script, or a combination thereof.

In addition, the combined script is a combination of the first verification script before the corresponding selection section and the second verification script after including the corresponding selection section, and the combined recording includes the recording before the corresponding selection section and the corresponding selection section It may be characterized by combining subsequent re-recording including

In addition, the second verification unit initializes the first verification script of the subsequent section including the selection section to the original script when the subsequent section including the selection section is more than half of the entire first verification script Thus, a second verification script is generated, and if less than half of the entire first verification script, the second verification script is generated by additionally reflecting in the first verification script of the subsequent section including the selected section can do.

In addition, the third verification unit selectively determines whether to pass the verification by checking the color and shape of the second verification script in which the determination result and the re-determination result are reflected, or the determination result and the re-determination result are reflected If the color and shape of the second verification script are digitized to recommend whether to pass the verification, it may be characterized in that the verification pass or not is selectively determined based on this.

In addition, the fourth verification unit, if the grade classified according to the matching ratio is greater than or equal to the set grade, the re-verification process is determined based on whether the core Kiwid matches, not the entirety of the combined script, and the corresponding core keyword The re-verification process is performed only when the grade according to the matching ratio of the classified is equal to or higher than the grade of the combined script or the combined script section, and if the grade classified according to the matching ratio is less than the set grade, The re-verification process determines based on whether or not the whole of the combined script matches the key kiwid rather than the entire combined recording, and the grade according to the matching ratio of the key keyword is classified as the combined script or the It may be characterized in that the re-verification process is performed only when it is higher than the grade of the combined script section.

In addition, the intermediary terminal device or, optionally, the client terminal device, takes a photo or test for providing the financial product related information and transmits it to the server, and the subscription management unit receiving it includes the verification completion script It may be characterized by further comprising a fifth verification unit for storing in the interface or to be stored in association with it.

In addition, the script providing unit, when the original script is provided, further provides a test script to recognize and store the user's test voice in the intermediary terminal device and optionally the client terminal device, and store it in the recording, the re-recording, It may be characterized in that the voice recording is set as an identity verification standard voice.

A method using a server according to an embodiment of the present invention is a method using a server for providing a financial product subscription service on a communication network, and provides financial product related information as an original script to an intermediary terminal device and optionally a client terminal device. process; collecting and recording the voice corresponding to the original script in the intermediary terminal device and optionally the client terminal device; A first step of receiving the recording, determining whether or not matching with the original script for each section, and reflecting the determination result in at least one of a color and a shape of the original script according to the determination result to generate a first verification script verification process; The first verification script is provided to the intermediary terminal device and optionally the client terminal device, and based on the color and shape of the first verification script in which the determination result is reflected, the intermediary terminal device and optionally the client terminal device a process of re-recording a subsequent section including the selected section according to selection; Upon receiving the re-recording, it is judged for each section whether the subsequent section including the selected section matches the original script, and according to the judgment result, among the colors or shapes of the original script including the selected section a second verification process of generating a second verification script by reflecting the judgment result in at least one; providing the second verification script to the intermediary terminal device and optionally the client terminal device, and passing verification according to the selection of the corresponding terminal device; According to a matching ratio set by comparing the script in which the first verification script and the second verification script are combined with the recording in which the recording and the re-recording are combined, the combined script is classified by grade, or of the combined script a third verification process of classifying and verifying grades for each section; If the grade of the classified combined script or the classified combined script section is greater than or equal to a set grade, only the combined script is re-verified, and if it is less than the set grade, both the combined script and the combined recording are re-verified, , a fourth verification process of generating a verified script and a verified recording; and performing a recording through the financial product subscription confirmation call to the client terminal device based on the verified script and the verified recording.

In addition, in the second verification process, when the subsequent section including the selection section is more than half of the entire first verification script, the first verification script of the subsequent section including the selection section is converted to the original script Initializing, generating a second verification script, and generating a second verification script by additionally reflecting in the first verification script of a subsequent section including the selection section when less than half of the entire first verification script can be done with

In addition, the third verification process selectively determines whether to pass the verification by checking the color and shape of the second verification script in which the determination result and the re-determination result are reflected, or the determination result and the re-determination result are If the color and shape of the reflected second verification script are digitized to recommend whether to pass the verification, it may be characterized in that the verification pass or not is selectively determined based on this.

In addition, in the fourth verification process, if the grade classified according to the matching ratio is higher than or equal to the set grade, the re-verification process is determined based on whether the core Kiwid matches, not the whole of the combined scripts, and the corresponding core The re-verification process is performed only when the grade according to the matching ratio of the keyword is the same as or higher than the grade of the classified combined script or the combined script section, and if the grade classified according to the matching ratio is less than the set grade , the re-verification process is determined based on whether or not the whole of the combined script and the entire combined recording match, not the whole of the combined script, and the grade according to the matching ratio of the corresponding key keyword is classified as the combined script or It may be characterized in that the re-verification process is performed only when it is higher than the grade of the combined script section.

In addition, the intermediary terminal device or optionally the client terminal device, takes a picture or a video providing the financial product related information and transmits it to the server, and the server receiving this takes an interface including the verification completion script It may be characterized in that it further comprises a process of storing or storing to be linked thereto.

A terminal device according to an embodiment of the present invention is a terminal device for providing a financial product subscription service on a communication network, comprising: a terminal device display unit for receiving and displaying an original script, which is financial product related information transmitted from a server; a recording management unit for collecting and recording voices corresponding to the original script; A terminal device verification unit that determines whether the recording matches the original script for each section, and generates a first verification script by reflecting the determination result in at least one of a color and a shape of the original script according to the determination result ; The first verification script is provided to the terminal device display unit, and the subsequent section including the selected section is re-recorded according to the selection in the terminal device based on the color and shape of the first verification script reflecting the determination result. a re-recording management unit for transmitting to the server; and in the server, receiving the re-recording, re-determining whether the original script of the subsequent section including the selected section is consistent with the original script for each section, and the subsequent original script including the selected section according to the judgment result A second verification script is generated by reflecting the judgment result in at least one of a color or a shape of According to a matching ratio set in comparison with the recording in which the recording and the re-recording are combined, the combined script is classified by grade, or the combined script is classified and verified by grade for each section of the combined script, and the grade of the combined script is set If it is higher than or equal to the rating, it re-verifies only the combined script, and if it is less than the set rating, re-verifies both the combined script and the combined recording to generate the verified script and the verified recording, including a terminal device management unit that receives it And, the configuration may be characterized in that it is configured for each intermediary terminal device and the client terminal device.

In addition, the method may further include a client terminal device call unit configured to receive a subscription confirmation call of the financial product from the server based on the verification completion script and the verification completion recording, and which is provided in the client terminal device from among the terminal devices.

In addition, the intermediary terminal device may be characterized in that the original script is shared with the client terminal device.

In addition, the intermediary terminal device, or optionally the client terminal device, further includes a photographing unit that takes a picture or a video providing the financial product related information and transmits it to the server, and the server receiving it further includes the verification completion script It may be characterized in that it is stored in an interface including or linked thereto.

The method using a terminal device according to an embodiment of the present invention is a method using a terminal device for providing a financial product subscription service on a communication network. display process; collecting and recording voices corresponding to the original script; determining whether the recording matches the original script for each section, and generating a first verification script by reflecting the determination result in at least one of a color and a shape of the original script according to the determination result; The first verification script is provided to the terminal device display unit, and the subsequent section including the selected section is re-recorded according to the selection in the terminal device based on the color and shape of the first verification script reflecting the determination result. transmitting to the server; and in the server, receiving the re-recording and re-determining whether or not matching with the original script of the subsequent section including the selected section for each section, and the subsequent original script including the selected section according to the judgment result A second verification script is generated by reflecting the judgment result in at least one of a color or a shape, and if the second verification script passes verification, the script in which the first verification script and the second verification script are combined is recorded and the re-recording is compared with the combined recording, and according to the set matching ratio, the combined script is classified by grade, or the combined script is classified and verified by grade for each section of the combined script, and the grade of the combined script is set. If it is above, only the combined script is re-verified, and if it is less than the set grade, both the combined script and the combined recording are re-verified to generate a verified script and a verified recording, and based on this, for confirmation of subscription to the financial product It may be characterized in that it includes a call process.

In addition, the call process is characterized in that for the confirmation of subscription of the financial product based on the verified script and the verified recording from the server in a client terminal device communication unit provided in the client terminal device among the terminal devices. can do.

In addition, the intermediary terminal device may be characterized in that the original script is shared with the client terminal device.

In addition, the intermediary terminal device, or optionally the client terminal device, further includes a photographing unit that takes a picture or a video providing the financial product related information and transmits it to the server, and the server receiving it further includes the verification completion script It may be characterized in that it is stored in an interface including or linked thereto.

A system according to an embodiment of the present invention is a system for providing a financial product subscription service on a communication network, and may include the server and the terminal device.

In addition, in the server, the second verification unit, when the subsequent section including the selection section is more than half of the entire first verification script, the first verification script of the subsequent section including the selection section is corresponding Initialize to the original script to generate a second verification script, and if less than half of the entire first verification script, it is additionally reflected in the first verification script of the subsequent section including the selected section to generate a second verification script It can be characterized as

In addition, in the server, the third verification unit selectively determines whether to pass the verification by checking the color and shape of the second verification script in which the determination result and the re-determination result are reflected, or the determination result and the re-determination result If the color and shape of the second verification script to which the determination result is reflected is recommended to pass the verification, it may be characterized in that the verification pass or not is selectively determined based on this.

In addition, in the server, the fourth verification unit, if the grade classified according to the matching ratio is greater than or equal to the set grade, the re-verification process is determined based on whether the core Kiwid matches, not the entirety of the combined script, , the re-verification process is performed only when the grade according to the matching ratio of the corresponding core keyword is the same as or higher than the grade of the classified combined script or the combined script section, and the grade classified according to the matching ratio is set If it is less than the grade, the re-verification process determines based on whether the whole of the combined script and the core kiwid rather than the entire combined recording match, and the grade according to the matching ratio of the core keyword is classified as the combination It may be characterized in that the re-verification process is performed only when it is higher than the grade of the completed script or the combined script section.

A method using a system according to an embodiment of the present invention is a method using a system for providing a financial product subscription service on a communication network, and includes the method using the server according to claim 10 and the terminal device according to claim 19. It may be characterized by including the method used.

In addition, in the method using the server, in the second verification process, when the subsequent section including the selection section is more than half of the entire first verification script, the first section of the subsequent section including the selection section The verification script is initialized with the corresponding original script to generate a second verification script, and if less than half of the entire first verification script, the second verification script is additionally reflected in the first verification script of the subsequent section including the selected section It may be characterized in that the verification script is generated.

In addition, in the method using the server, the third verification process selectively determines whether to pass the verification by checking the color and shape of the second verification script to which the determination result and the re-determination result are reflected, or If the color and shape of the second verification script to which the result and the re-judgment result are reflected are recommended to pass the verification, it may be characterized in that the verification pass or not is selectively determined based on this.

In addition, in the method using the server, in the fourth verification process, if the grade classified according to the matching ratio is higher than or equal to the set grade, the re-verification process determines whether the core Kiwid matches, not the entirety of the combined script. The re-verification process is performed only when the grade according to the matching ratio of the corresponding core keyword is the same as or higher than the grade of the classified combined script or the combined script section, and classified according to the matching ratio If the grade is less than the set grade, the re-verification process is determined based on whether the whole of the combined script and the core Kiwid, not the entire combined recording, match, the grade according to the matching ratio of the core keyword, It may be characterized in that the re-verification process is performed only when the class is higher than the grade of the combined script or the combined script section.

In addition to this, the above object of the present invention is also achieved by other configurations, systems, and methods for implementing the present invention, and a computer-readable recording medium for recording a computer program for executing the method.

According to the present invention, when subscribing (contracting) a financial product (eg, an insurance product), information related to the financial product (eg, insurance application form, insurance policy, product description, insurance policy, etc.) It has the effect of verifying the duty of explanation and the consent procedure by performing the verification process step-by-step by an intelligent algorithm and managing it efficiently.

In addition, according to the present invention, when the customer agrees with the description of the financial product to be subscribed, a script is provided so that the contents can be visually recognized, and the contents of the script are transmitted by voice so that the contents can be recognized again audibly. In this case, there is an effect of being able to verify the match between the script and the recording by an intelligent algorithm for each section by recording it.

In addition, according to the present invention, the verification process through re-recording and re-judgment according to the judgment for each section, the verification process of analyzing the script and the recording and classifying them by grade according to the set matching ratio, There is an effect that the process of re-verification can be further performed step by step.

1 is a diagram showing the configuration of a system for providing a financial product subscription service based on an intelligent step-by-step verification process according to an embodiment of the present invention.
2 is a diagram illustrating in detail the internal configuration of the server 200 according to an embodiment of the present invention.
3 is a diagram illustrating in detail the internal configuration of the terminal devices 300 and 400 according to an embodiment of the present invention.
4 is a flowchart between components for providing a financial product subscription service based on an intelligent step-by-step verification process according to an embodiment of the present invention.
5 to 8 are interface screens illustrating an example of a process of providing a financial product subscription service based on an intelligent step-by-step verification process according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0012] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0010] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0010] Reference is made to the accompanying drawings, which show by way of illustration specific embodiments in which the present invention may be practiced. It should be understood that the various embodiments of the present invention are different but need not be mutually exclusive. In the present invention, combinations of each block of the accompanying block diagram and each step of the flowchart may be performed by computer program instructions. Each such block or each step may represent a module, segment, or portion of code comprising one or more executable instructions for executing the specified logical function(s). It should also be noted that it is also possible for the functions recited in blocks or steps to occur out of order in some alternative embodiments. For example, two blocks or steps that are adjacent or shown in order may in fact be performed substantially simultaneously or that the blocks or steps may be performed in reverse order according to a corresponding function.

It should also be understood that the location or arrangement of individual components in each disclosed embodiment may be changed without departing from the spirit and scope of the present invention. Accordingly, the detailed description set forth below is not intended to be taken in a limiting sense, and the scope of the present invention should be construed to cover all scopes equivalent to those claimed by the claims. In addition, like reference numerals in the drawings refer to the same or similar functions in various aspects, and the form may be exaggerated for convenience.

On the other hand, the terms used in the present invention are terms used to properly express preferred embodiments of the present invention, which may vary depending on the intention of the user or customs in the field to which the present invention belongs. Accordingly, definitions of these terms should be understood based on the content throughout this specification. In the entire specification, when a part "includes" a certain element, this means that other elements may be further included, rather than excluding other elements, unless otherwise stated. In addition, terms such as "unit" and "module" described in the specification mean a unit that processes at least one function or operation, which may be implemented as hardware or software, or a combination of hardware and software.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art can easily practice the present invention.

Whole system configuration

1 is a diagram showing the configuration of a system for providing a financial product subscription service based on an intelligent step-by-step verification process according to an embodiment of the present invention.

Referring to FIG. 1 , a system according to an embodiment of the present invention may include a communication network 100 , a server 200 , an intermediary terminal device 300 , and a client terminal device 400 .

First, the communication network 100 according to an embodiment of the present invention is a network network capable of performing a series of data transmission/reception operations for data transmission and information exchange, regardless of its communication mode such as wired and/or wireless can be configured.

More specifically, a local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), an integrated services digital network (ISDN), a wireless LAN LAN) or a mobile communication network (mobile telecommunication), etc., or may be a wired/wireless communication network of various types configured by being connected to a combination thereof. Preferably, the communication network 100 configured by the present invention may be an Internet network that can use a World Wide Web (WWW) service.

Next, the server 200 according to an embodiment of the present invention provides financial product-related information (eg, insurance subscription, For explanation and consent procedures for insurance terms, product descriptions, insurance policies, etc.), the intermediary terminal device 300 and optionally the client terminal device 400 provide the relevant financial product related information as a script to the customer, and the intermediary By collecting the voice corresponding to the script from the terminal device 300 and optionally the client terminal device 400 and receiving the stored recording, the match between the script and the voice recording is determined step by step according to the section by an intelligent algorithm It may be an operating system of a financial product subscription service that can be verified.

More specifically, in the process of sufficiently explaining the financial product that the customer wants to subscribe to, and in the consent process necessary for subscribing to the financial product, the server 200 relates to the financial product so that the customer can visually recognize the information clearly. The script (original script) is provided to the intermediary terminal device 300 and optionally the client terminal device 400, and the information is explained by the insurance solicitor or telephone insurance counselor so that the customer can audibly recognize the contents of the script again The voice to be (read) is collected from the intermediary terminal device 300 and optionally the client terminal device 400, and the stored recording can be provided and verified in an intelligent step-by-step manner.

In addition, the server 200 automatically determines whether the script and the recording match each section by an AI algorithm, and reflects the determination result in at least one of the color and shape of the original script according to the determination result process can be performed.

In addition, when the server 200 re-records a subsequent section including the corresponding selected section according to the selection of the intermediary terminal device 300 and optionally the client terminal device 400 in the script reflecting the determination result, the server 200 receives it and receives the corresponding A verification process of re-judging whether or not the original script of the subsequent section including the selected section matches the original script by section, the combined script is classified by grade or the combined script is classified according to the matching ratio set by comparing the script and the recording A verification process of classifying and verifying by grade for each section, and a step-by-step verification process of re-verifying according to a set grade among the classified grades may be further performed. The server 200 according to an embodiment of the present invention may be understood in more detail by the following detailed description with reference to FIG. 2 .

On the other hand, the server 200 may perform the function of a web/app operation server of a financial company (eg, an insurance company), and a user (insurance solicitor, telephone insurance consultant, customer) signs up for the web/app and logs in. When applying for financial product services, we can support related services. At this time, the server 200 operates a dedicated web and/or app program that connects the intermediary terminal device 300 and/or the client terminal device 400 to be described later through the communication network 100 or , it can perform functions that support it. That is, it may be an operation server capable of performing operation tasks related to financial product services such as access (login) management, user management, financial product subscription management, financial product information management, and financial product payment management.

In addition, the server 200 can build an application such as an API (Application Programming Interface) on the web/app so that the other terminal devices 300 and 400 can run the application for implementing the network according to the present invention. It is also possible to perform a function that supports the necessary interfaces for this purpose.

Next, the intermediary terminal device 300 according to an embodiment of the present invention may receive a script that is financial product related information from the server 200, display it visually, and provide it, and an insurance solicitor (or phone insurance company) When the counselor) explains (reads) the financial product-related information by voice, it may be a digital device capable of collecting, recording, and transmitting the information to the server 200 or verifying it inside the terminal device.

More specifically, the intermediary terminal device 300 includes a display means for displaying and providing an original script, which is information related to financial products, to an insurance solicitor (or a telephone insurance consultant) using the terminal device 300 , and the original script; Recording means for collecting the voice corresponding to and storing it in the form of an electronic file, determining whether the recording matches the original script for each section, and assigning at least one of a color and a shape of the original script according to the determination result It may be a terminal device composed of components including a step-by-step verification process processing means reflecting the determination result. At this time, the intermediary terminal device 300 can share the original script with a customer who wants to subscribe to the corresponding financial product. Or, it may be a method of transmitting the original script information to the client terminal device 400 used by the customer and sharing the data as data.

The intermediary terminal device 300 may further have a dedicated web or app program capable of receiving financial product-related information or recording and managing voice. In particular, a microphone function may be included to collect the voice of an insurance solicitor (or a telephone insurance consultant), and at this time, the voice of the customer who hears explanations about financial products from the insurance solicitor may also be collected and recorded.

In addition, it may further include a speaker (earphone, headset, etc.) function so that the recorded voice can be played back and listened to. These functions (means) are not necessarily provided inside the intermediary terminal device 300, It may be implemented by a separate device electrically connected by a wired/wireless communication module (not shown) capable of transmitting and receiving information using short-range wireless communication technology.

Finally, the client terminal device 400 according to an embodiment of the present invention may optionally receive a script that is financial product related information from the server 200 or the intermediary terminal device 300 and visually display and provide it. , when an insurance solicitor (or telephone insurance consultant) explains (reads) the relevant financial product-related information by voice, it selectively collects and records it and transmits it to the server 200, or performs a function to verify inside the terminal device It may be a digital device that can do it.

More specifically, the client terminal device 400 includes a display means for receiving and displaying a text script, which is financial product related information, to a customer using the terminal device 400, and collecting and displaying the voice corresponding to the text script. A step-by-step verification process for recording means for storing in a file format, determining whether the recording matches the original script for each section, and reflecting the determination result in at least one of a color and a shape of the original script according to the determination result It may be a terminal device composed of components including processing means.

In addition, the client terminal device 400 receives the financial product subscription confirmation call from the server 200 (Internet phone) from the server 200 based on the verified script and the corresponding voice recording received from the server 200. Included) may include a call function that can receive.

In the client terminal device 400 , a dedicated web or app program for receiving financial product related information or recording and managing voice may be further installed. In particular, a microphone function may be included to collect the voice of the insurance solicitor (or telephone insurance counselor), and when information is delivered to the customer through the client terminal device 400, the customer's voice is also collected. can record.

In addition, a speaker (earphone, headset, etc.) function may be further included so that the recorded voice can be played back and listened to. These functions (means) are not necessarily provided in the client terminal device 400, but are wired or It may be implemented by a separate device electrically connected by a wired/wireless communication module (not shown) capable of transmitting and receiving information using short-range wireless communication technology. In addition, the client terminal device 400 may include a call function to enable a phone call (eg, Happy Call) for confirmation of subscription of a corresponding financial product from the server 200 .

The intermediary terminal device 300 and the client terminal device 400 according to an embodiment of the present invention described as described above can be clearly understood by the following detailed description with reference to FIG. 3 .

Meanwhile, the intermediary terminal device 300 and/or the client terminal device 400 according to the embodiment of the present invention described above connects through the communication network 100 and provides a financial product subscription service based on the intelligent step-by-step verification process described above. It is a digital device including a function to provide digital devices may be employed without limitation. Specifically, the terminal devices 300 and 400 include a smart phone, a portable terminal, a mobile terminal, a foldable terminal, and a personal digital assistant (PDA). It is a digital device equipped with a memory means, such as a microprocessor, and equipped with an arithmetic capability. It includes an input means for inputting information, and includes a wired/wireless communication function and a phone call function (including Internet phone). If there is, it may be adopted as a terminal device according to the present invention.

In addition, the intermediary terminal device 300 and/or the client terminal device 400 may be provided with a display means capable of displaying the script, which is the financial product related information according to the present invention. Here, the display means is LCD (Liquid Crystal Display), TFT-LCD (Thin Film Transistor LCD), OLED (Organic Light Emitting Diodes), light emitting diode (LED), AMOLED (Active Matrix Organic LED), flexible display (Flexible display) and a three-dimensional display (3 Dimension), and the like. In this case, since the display means may include a touch screen type, some or all of the functions of the input means may be performed.

In particular, in the intermediary terminal device 300 and/or the client terminal device 400 in the present invention, a microphone device capable of collecting the voice of a user (eg, an insurance solicitor, a telephone insurance consultant, a customer), a recorded voice A speaker device (including a headset and earphones) may be further included or interlocked therewith so that the user can listen again by playing the .

On the other hand, in FIG. 1 showing an embodiment of the present invention, for convenience of explanation, the intermediary terminal device 300 used by an insurance solicitor or a telephone insurance counselor is shown by integrating into one configuration, but It will be apparent that the configuration can be distinguished by adding a separate terminal device connected to the server 200 according to the needs of those skilled in the art.

Configuration of server 200

In the following detailed description, the internal configuration of the server 200 that performs an important function for the implementation of the present invention and the function of each component will be described.

2 is a diagram illustrating in detail the internal configuration of the server 200 according to an embodiment of the present invention.

Referring to FIG. 2 , the server 200 according to an embodiment of the present invention includes a script providing unit 210 , a first verification unit 220 , a second verification unit 230 , a third verification unit 240 , It may be configured to include a fourth verification unit 250 , a subscription management unit 260 , a database 270 , a communication unit 280 , and a control unit 290 .

According to this embodiment of the present invention, the script providing unit 210 , the first verification unit 220 , the second verification unit 230 , the third verification unit 240 , the fourth verification unit 250 , the subscription The management unit 260 , the database 270 , the communication unit 280 , and the control unit 290 may be program modules, at least some of which transmit and receive data to and from the intermediary terminal device 300 and/or the client terminal device 400 . . These program modules may be included in the server 200 in the form of an operating system, an application program module, and other program modules, and may be physically stored in various known storage devices, and may be hardware components (eg, , general-purpose processor, dedicated processor) and/or software components (eg, firmware, application, program module) and combinations thereof. Also, these program modules may be stored in a remote storage device capable of communicating with the server 200 . Meanwhile, these program modules include routines, subroutines, programs, objects, components, data structures, etc. that perform specific tasks to be described later or execute specific abstract data types according to the present invention, but the present invention is not limited thereto. .

First, the script providing unit 210 according to an embodiment of the present invention may perform a function of providing financial product-related information as an original script to the intermediary terminal device 300 and optionally the client terminal device 400 . .

More specifically, the script providing unit 210 provides financial product (eg, insurance product) related information (eg, insurance application form, insurance policy, product description) provided to the customer when subscribing (contracting) a financial product (eg, insurance product). , insurance policies, etc.), information related to the financial product may be created as text information and provided as a script (original script).

As an example, the original script may be provided (transmitted) and displayed to the insurance solicitor's intermediary terminal device 300, so that the insurance solicitor visually recognizes (views together) the original script on the display screen to the customer (client). Be able to accurately describe information related to the relevant financial product.

In addition, as another example, the original script is provided (transmitted/shared) to both the intermediary terminal device 300 of the insurance solicitor (or insurance telephone counselor) and the client terminal device 400 of the customer, respectively, and the insurance solicitor (or, insurance telephone counselor) and the customer may share and recognize a script that is information related to the financial product displayed on the display screen through their terminal devices 300 and 400 . That is, the original script is essentially provided to the intermediary terminal device 300 of the insurance solicitor, and may be selectively provided to the client terminal device 400 of the customer according to the customer's request.

In addition, when the script providing unit 210 provides the original script to the intermediary terminal device 300 and the client's client terminal device 400, it further provides a test script to the intermediary terminal device 300 and optionally the client terminal device. In 400, the user's (insurance solicitor, telephone insurance consultant, customer)'s test voice is recognized and stored, and the user's identity is verified during the recording process, re-recording process, and phone call subscription confirmation according to the present invention. It can be set as a standard by voice, and accuracy can be improved when determining whether the script and the recording match (concordance) in the intelligent step-by-step verification process according to the present invention. For example, the test script provides simple life phrases, greetings, etc., and can be used as a means for recognizing the user's standard voice. Conventionally known techniques can be used without limitation.

Next, the first verification unit 220 according to an embodiment of the present invention collects and records the voice corresponding to the original script from the intermediary terminal device 300 and optionally the client terminal device 400, It is possible to perform a function of receiving and judging whether or not matching with the original script for each section, and reflecting the determination result in at least one of a color and a shape of the original script according to the determination result to generate a first verification script have.

More specifically, this first verification unit 220 is explained (read) by an insurance solicitor (or insurance telephone counselor) based on the original script provided to the intermediary terminal device 300 and optionally the client terminal device 400 . ) collected by the microphone function of the intermediary terminal device 300 and optionally the client terminal device 400 and recorded (electronic recording file), it is received from the server 200 and matched for each section corresponding to the original script can determine whether In this case, the section may mean a unit that is a word or sentence constituting the original script, but the present invention is not limited thereto, and a known standard for dividing (separating) the original script may be applied without limitation. .

Next, the second verification unit 230 according to an embodiment of the present invention provides the first verification script to the intermediary terminal device 300 and optionally the client terminal device 400, and the corresponding intermediary terminal device ( 300) and optionally, when a subsequent section including the corresponding selected section is re-recorded according to the selection in the client terminal device 400, it is received and matched with the original script of the subsequent section including the selected section for each section A function of generating a second verification script by reflecting the judgment result in at least one of the color and shape of the corresponding original script or the first verification script according to the judgment result may be performed.

More specifically, this second verification unit 230, according to the selection of the intermediary terminal device 300 and optionally the client terminal device 400 that has received the first verification script, the subsequent section including the corresponding selection section Based on the original script, the voice that the insurance solicitor (or insurance telephone counselor) explains (read) again is collected and re-recorded with the microphone function provided by the intermediary terminal device 300 and optionally the client terminal device 400 , it can be received from the server 200 and re-determined for each section whether or not it matches the original script of the subsequent section including the selected section. At this time, in the corresponding selection section according to the selection, the user (insurance solicitor, insurance telephone counselor, customer) of the terminal devices 300 and 400 reflects the color and shape of the original script according to the determination result of the first verification script Among them, it is a selection regarding a section determined to be inaccurate compared to the original script and requiring re-recording, and may be understood to mean a section of the selected script by the selection.

In addition, the second verification unit 230, when the subsequent section including the corresponding selection section is more than half of the entire first verification script, the original text corresponding to the first verification script of the subsequent section including the selected section After initialization (reset) with a script, the second verification script may be generated by performing the re-recording/re-judgment process. On the other hand, when the subsequent section including the selected section is less than half of the entire first verification script, the re-recording/re-judgment process is additionally reflected in the first verification script of the subsequent section including the selected section It is possible to generate a second verification script that performs the above, and a detailed process of generating such a second verification script will be clearly understood by the following detailed description with reference to FIGS. 5 to 8 .

On the other hand, the first and second verification units 220 and 230 described above change the color of the corresponding script text according to the result of determining whether the original script/the first verification script and the recording/re-recording match ( reflected), or change (reflect) to any one of the script's font size, font, font thickness, font inclination, and character underline, or a combination thereof. For example, the text color of the script may be changed (reflected) to blue if the original script and the voice of the recording match, and to red if they do not match. In addition, if the original script and the sound of the recording match, the letter underline may be changed (reflected), and if they do not match, the letter slope may be changed (reflected). It will be clearly understood by the detailed description of

Next, the third verification unit 240 according to an embodiment of the present invention provides the second verification script to the intermediary terminal device 300 and optionally the client terminal device 400, and the corresponding intermediary terminal device ( 300) and optionally, if verification passes according to selection in the client terminal device 400, the script in which the first verification script and the second verification script are combined is compared with the recording in which the recording and the re-recording are combined, According to the set matching ratio, it is possible to classify the combined script by grade, or perform a function of classifying and verifying the combined script by grade for each section of the combined script.

More specifically, the third verification unit 240 determines whether to pass the verification according to the selection of the intermediary terminal device 300 that has received the second verification script, or the intermediary terminal device that has received the second verification script ( 300) and the client terminal device 400 may determine whether to pass the verification according to the selection.

For example, the insurance solicitor may selectively determine whether to pass the verification by checking the color and shape of the second verification script in which the determination result and the determination result are reflected through the intermediary terminal device 300 . In addition, if the color and shape of the second verification script in which the judgment result and the judgment result are reflected are recommended to pass the verification, the insurance solicitor can selectively decide whether to pass the verification based on this. At this time, the customer may optionally participate in whether the verification has passed through the client terminal device 400 . If the verification passed or not selected by the insurance solicitor through the intermediary terminal device 300 is different, the It may be desirable to set the criteria as prioritizing selection. This is because the duty to explain the relevant insurance product rests with the insurance company and the insurance solicitor who mediates (representing) it, and is also responsible for its selection.

In addition, if the third verification unit 240 passes verification according to the selection as described above, it can perform a comparison process of matching the degree of correspondence between the combined script and the combined recording. It can be extracted and recognized as the text of the script, and can be recognized as the text of the recording by performing a process of extracting voice information from the combined recording and converting it into text. Accordingly, the text of the script and the text of the recording may be matched to each other to compare whether they match.

In this case, the process of converting voice information into text information can be processed by applying a known Speech-To-Text (STT) technology without limitation. A method of modeling the basic unit (phoneme), a pattern matching method that compares the standard pattern of the voice with the input voice by recognizing the word unit to find the voice pattern closest to the input voice, and a function for distinguishing one word from another There is an identification function method, etc. in which a function is prepared in advance and the function is applied to the input voice to determine it. In addition to the above-described method, various known methods for speech recognition and speech-text conversion may be used, and the present invention is not limited to the above-described method.

On the other hand, according to the set matching ratio, the combined script can be classified by grade or by classifying by grade for each section of the combined script and verified. For example, when classifying the entire combined script by grade, when the matching ratio is 80% or more, the combined script may be classified as a yellow grade corresponding to 'award' among grades. In addition, when the matching ratio is 70% or more and less than 80%, the combined script can be classified as a blue grade corresponding to 'medium' among the grades, and when the matching ratio is less than 70%, the combined script is Among the grades, it can be classified into a red grade corresponding to 'low'.

In the same way, when classifying by grade for each section of the combined script, for example, when the matching ratio of the corresponding section among a plurality of sections is 80% or more, the combined script of the section corresponds to 'award' among the grades It can be classified by the yellow grade. In addition, if the matching ratio of the corresponding section is 70% or more and less than 80%, the combined script of the corresponding section can be classified as a blue grade corresponding to 'medium' among the grades, and the matching ratio of the corresponding section is less than 70% In this case, the combined script of the corresponding section may be classified into a red grade corresponding to 'lower' among grades. In the case of classifying grades for each section in this way, since the amount of scripts for each grade is distributed, the re-verification process in the fourth verification unit 250 to be described later can be quickly and accurately performed.

Next, the fourth verification unit 250 according to an embodiment of the present invention re-verifies only the combined script if the grade of the classified combined script or the classified combined script section is greater than or equal to a set grade, If it is less than the set grade, it is possible to perform a function of re-verifying both the combined script and the combined recording to generate the verified script and the verified recording.

More specifically, if the set grade is 'medium' or higher, the fourth verification unit 250 re-writes the combined script classified into blue grade and yellow grade or the classified combined script section only with the combined script. It can be verified, and this re-verification process can be determined based on whether the core Kiwid matches, not the entirety of the combined scripts. That is, only the core keywords (eg, insurance type, insurance premium, insurance content, expiration, and cancellation related keywords) of the combined script are evaluated separately, and the grade according to the matching ratio of the corresponding core keyword is classified, the combined script Alternatively, the verified script and the verified recording may be generated through the re-verification process only when the grade is equal to or higher than the grade of the combined script section.

On the other hand, if the set grade is less than 'medium', the combined script classified as a red grade or the classified combined script section can be re-verified with the combined script and the combined recording, such re-verification The process may be determined based on whether the whole of the combined script and the key kiwid (core voice) match rather than the entire combined recording.

That is, only the core keyword of the combined script is evaluated separately, and the re-verification process is performed only when the grade according to the matching ratio of the core keyword is higher than the grade of the classified combined script or the classified combined script section. Through this, it is possible to create a verified script and a verified recording.

Meanwhile, although not shown in FIG. 2 , a photo or video providing the financial product related information is taken through a photographing unit (not shown) of the intermediary terminal device 300 or the client terminal device 400 (for example, , insurance product description scene, related document delivery scene, etc.) and transmits it to the server 200, and further includes a fifth verification unit (not shown) to store it in an interface including the verification completion script or to be linked thereto may be

Next, the subscription management unit 260 according to an embodiment of the present invention performs a function of making and recording the financial product subscription confirmation call to the client terminal device 400 based on the verification completion script and the verification completion recording can be done

More specifically, the subscription management unit 260 can conduct a happy call call to confirm whether or not the customer has received the financial product subscription facts and accurate product details, based on the verification completion script and the verification completion recording. In this case, the content of the call may be stored as a recording.

Next, the database 270 according to an embodiment of the present invention includes financial product-related information (eg, insurance application form, insurance policy, product description, insurance policy, etc.), customer information, insurance solicitor information, and telephone counselor information. , may be a storage device capable of storing recording information, recording information, voice conversion natural language information, language model information, and the like.

Meanwhile, although the database 270 in FIG. 2 is illustrated as being included in the server 200, according to the needs of those skilled in the art, the database 270 may be configured separately from the server 200. may be The database 270 is a concept including a computer-readable recording medium, and refers not only to a narrow database, but also a database in a broad sense including a data record based on a file system, and even a simple set of logs. If data can be extracted by searching, it may be included in the database 270 referred to in the present invention.

Next, the communication unit 280 according to an embodiment of the present invention transmits data (information) with an external device such as the intermediary terminal device 300 and/or the client terminal device 400 with internal components of the server 200 . A function that enables transmission and reception can be performed.

Finally, the control unit 290 according to an embodiment of the present invention includes the script providing unit 210 , the first verification unit 220 , the second verification unit 230 , the third verification unit 240 , and the fourth It may perform a function of controlling the flow of data between the verification unit 250 , the subscription management unit 260 , the database 270 , and the communication unit 280 . That is, the control unit 290 according to the present invention controls the flow of data from the outside or between each component of the server 200, thereby providing the script providing unit 210, the first verification unit 220, and the second verification unit. The unit 230 , the third verification unit 240 , the fourth verification unit 250 , the subscription management unit 260 , the database 270 , and the communication unit 280 may be controlled to perform their own functions, respectively.

Configuration of the terminal device (300, 400)

In the following detailed description, the internal configuration of the terminal devices 300 and 400 consisting of the intermediary terminal device 300 and the client terminal device 400 that perform an important function for the implementation of the present invention and the function of each component Let's take a look at

3 is a diagram illustrating in detail the internal configuration of the terminal devices 300 and 400 according to an embodiment of the present invention.

Referring to FIG. 3 , the intermediary terminal device 300 according to an embodiment of the present invention includes a terminal device display unit 310 , a recording management unit 320 , a terminal device verification unit 330 , a re-recording management unit 340 , and a terminal The device manager 350 , the terminal device database 360 , the terminal device communication unit 370 , and the terminal device control unit 380 may be included. In addition, the client terminal device 400 includes a terminal device display unit 410 , a recording management unit 420 , a terminal device verification unit 430 , a re-recording management unit 440 , a terminal device management unit 450 , and a terminal device database 460 . , a terminal device communication unit 470 and a terminal device control unit 480 may be included, and for convenience of description, the same components will be grouped together.

According to this embodiment of the present invention, each component of the intermediary terminal device 300 and the client terminal device 400 may be physically stored in various known storage devices, and hardware components (eg, For example, it may be implemented as a general-purpose processor, a dedicated processor) and/or a software component (eg, firmware, application, program module) and a combination thereof. The components of the terminal devices 300 and 400 are the same or similar to the configuration concept of the server 200 with reference to FIG. 2 , so the description is simplified to avoid duplication. to explain in the center.

First, the terminal device display units 310 and 410 according to an embodiment of the present invention may each perform a function of receiving and displaying an original script, which is financial product related information transmitted from the server 200 .

More specifically, these terminal device display units 310 and 410 display the original script, which is financial product related information transmitted from the server 200, in the intermediary terminal device 300 and optionally the client terminal device 400, and the corresponding terminal. It is possible to efficiently provide financial product-related information visually to users of the devices 300 and 400 (eg, insurance solicitors, telephone insurance consultants, and customers). On the other hand, optionally, when the client terminal device 400 does not receive the original script from the server 200 , the intermediary terminal device 300 may share the original script with the client terminal device 400 .

Next, the recording management units 320 and 420 according to an embodiment of the present invention may perform a function of collecting and recording voices corresponding to the original script, respectively.

More specifically, these recording management units 320 and 420 provide a function of collecting and recording the voice when an insurance solicitor (or telephone insurance consultant) verbally explains the original script displayed on the terminal device display unit 310, 410. In this case, it is possible to record as an electronic file using the microphone function included in the terminal devices 300 and 400, and the recorded electronic file is transmitted to the server 200 in the intelligent step-by-step verification process according to the present invention. can be used

Next, the terminal device verification units 330 and 430 according to an embodiment of the present invention determine whether the recording matches the original script for each section, and the color and shape of the original script according to the determination result Each of the first verification scripts may be generated by reflecting the determination result in at least one of them.

More specifically, these terminal device verification units 330 and 430 may be configured to perform the same first verification script generation process performed by the first verification unit 220 of the server 200 described in FIG. 2 . , this is because the primary verification process among the intelligent step-by-step verification processes can be verified more quickly and accurately by processing inside the terminal devices 300 and 400 rather than the external device, the server 200 . Accordingly, the first verification process for generating the first verification script may be selectively performed in any one of the server 200 or the terminal devices 300 and 400 .

Next, the re-recording management units 340 and 440 according to an embodiment of the present invention provide the generated first verification script to the terminal device display units 310 and 410, and the first verification script in which the determination result is reflected. Depending on the selection in the terminal device based on the color and shape of , a function of re-recording a subsequent section including the selected section and transmitting the re-recorded to the server 200 may be performed.

Next, the terminal device management units 350 and 450 according to an embodiment of the present invention receive the re-recording from the server 200 and determine whether or not the re-recording matches the original script of the subsequent section including the selected section. A second verification script is generated by making a judgment separately, and reflecting the judgment result in at least one of the color or shape of the following original script including the selected section or the first verification script according to the judgment result and, according to a matching ratio set by comparing the script in which the first verification script and the second verification script are combined with the recording in which the recording and the re-recording are combined, classify the combined script by grade, or Classify and verify by grade for each section of the script, and if the grade of the classified combined script or the classified combined script section is above the set grade, re-verify only the combined script, and if less than the set grade, the combined script and When all of the combined recordings are re-verified to generate a verified script and a verified recording, a function of receiving and managing them can be performed, respectively.

At this time, among the terminal devices 300 and 400, the client terminal device 400 has a client terminal device communication unit ( not shown) may be further included.

In addition, although not shown, the intermediary terminal device 300 and/or the client terminal device 400 takes a photo or video providing the financial product related information (eg, insurance product description scene, related document delivery scene) etc.) and may further include a photographing unit (not shown) capable of transmitting to the server 200 .

Next, the terminal device databases 360 and 460 according to an embodiment of the present invention may be storage devices capable of storing financial product related script information, terminal device user information, recording information, and the like.

These terminal device databases 360 and 460 are concepts including computer-readable recording media, and refer to databases in a broad sense including not only a narrow database but also a data record based on a file system, and a simple log If data can be extracted by searching for a set of , it may be included in the terminal device databases 360 and 460 in the present invention.

Next, in the terminal device communication units 370 and 470 according to an embodiment of the present invention, the internal components of the terminal devices 300 and 400 are external devices such as the server 200 and the terminal devices 300 and 400 different from each other. and data (information) can be transmitted and received.

Finally, the terminal device controllers 380 and 480 according to an embodiment of the present invention include the terminal device display units 310 and 410 , the recording management units 320 and 420 , the terminal device verification units 330 and 430 , and re-recording. It may perform a function of controlling the flow of data between the management units 340 and 440 , the terminal device managers 350 and 450 , the terminal device databases 360 and 460 , and the terminal device communication units 370 and 470 . That is, the terminal device controller (380, 480) according to the present invention controls the flow of data from the outside or between each component of the terminal device (300, 400), the terminal device display unit (310, 410), the recording management unit (320, 420), the terminal device verification unit (330, 430), the re-recording management unit (340, 440), the terminal device manager (350, 450), the terminal device database (360, 460) and the terminal device communication unit (370, 470) ) can be controlled so that each performs its own function.

Process to provide financial product subscription service

In the following detailed description, with respect to the process of providing a financial product subscription service based on the intelligent step-by-step verification process according to the present invention, data processing between the server 200 , the intermediary terminal device 300 , and the client terminal device 400 . The process is described with an example focusing on the case where the insurance planner receives the insurance product-related script through the intermediary terminal device 300 and proceeds with the insurance product subscription service, but this is the most representative process for convenience of explanation. , the present invention is not limited thereto.

4 is a flowchart between components for providing a financial product subscription service based on an intelligent step-by-step verification process according to an embodiment of the present invention.

Referring to FIG. 4 , first, although not shown, a normal network connection process in which the intermediary terminal device 300 and optionally the client terminal device 400 access and log in to the server 400 may be performed. In this case, the subject accessing the server 200 through the intermediary terminal device 300 may be an insurance solicitor (or telephone insurance consultant), and the subject accessing the server 200 through the client terminal device 400 is a financial product It may be a customer who wants to subscribe to (insurance product).

Subsequently, the server 200 transmits the financial product related information to the intermediary terminal device 300 and optionally the client terminal device 400 according to the request of the intermediary terminal device 300 and optionally the client terminal device 400 . A process of providing a script may be performed (S10, S20). At this time, FIG. 4 representatively illustrates a process (S20) in which an insurance solicitor requests insurance product-related information through his intermediary terminal device 300 (S10) and receives the corresponding original script (S20).

Subsequently, in the server 200, the provided text script related to the insurance product is displayed (displayed) through the intermediary terminal device 300 of the insurance solicitor to provide the information related to the insurance product visually and accurately. The process of sharing the original script with the customer who wants to can also be performed (S30, S31). This original script sharing process (S31) is, for example, a method of sharing data by transmitting the script from the intermediary terminal device 300 to the client's client terminal device 400 as shown, or the intermediary terminal device ( 300) may be a method in which the customer watches the script displayed together and visually shares it. Meanwhile, although not shown, the client terminal device 400 may directly receive (receive) the corresponding original script from the server 200 .

Next, as described above, the client terminal device 400 that has been provided with (shared) the original script in a manner that transmits the script from the intermediary terminal device 300 to the client terminal device 400 of the customer to share data. A process of displaying and recognizing the original script to the customer who is the user of the terminal device may be performed (S40).

Next, the insurance solicitor can accurately deliver the insurance product-related information to the customer aurally through the process of explaining (reading) the original script displayed on the intermediary terminal device 300 by voice. In this case, the intermediary terminal device 300 ), a process of collecting and recording the corresponding voice through the microphone function can be performed (S50). Meanwhile, although not shown, the voice may be selectively recorded in the client terminal device 400 .

Then, the recording is provided to the server 200, it is determined whether or not the original script is consistent with each section, and according to the determination result, the determination result is reflected in at least one of the color and shape of the original script to produce a second recording. 1 A first verification process of generating a verification script may be performed (S60, S70).

Then, the first verification script is provided to the intermediary terminal device 300, and the corresponding selection section is selected according to the selection in the intermediary terminal device 300 based on the color and shape of the first verification script reflecting the determination result. A process of re-recording the included subsequent sections may be performed (S80, S90). At this time, although not shown, the first verification script may be selectively provided to the client terminal device 400 and a process of re-recording may be performed. Therefore, it can be done selectively by the customer.

Next, the server 200 receives the re-recording and judges whether the subsequent section including the selected section matches the original script for each section, and the subsequent section including the selected section according to the judgment result A second verification process of generating a second verification script by reflecting the judgment result in at least one of a color or a shape of the original script may be performed (S100, S110).

Then, the second verification script may be provided to the intermediary terminal device 300 and optionally the client terminal device 400, and a process of passing verification may be performed according to the selection of the corresponding terminal devices 300 and 400 (S120). , S130). As shown, as an example, if the second verification script is provided to the intermediary terminal device 300 and the verification passes according to the selection of the intermediary terminal device 300 (S140), the third verification process to be described later is performed However, the selection of the client terminal device 400 may optionally participate in whether the verification passes or not, and a detailed description thereof will be omitted as it overlaps with FIG. 2 .

Next, the server 200 classifies the combined script by grade according to a matching ratio set by comparing the script in which the first verification script and the second verification script are combined with the recording in which the recording and the re-recording are combined. Alternatively, a third verification process of classifying and verifying grades for each section of the combined script may be performed (S150).

Then, in the server 200, if the grade of the classified combined script or the classified combined script section is above the set grade, re-verify only the combined script, and if less than the set grade, the combined script and the combination By re-verifying all the recorded recordings, a fourth verification process of generating a verified script and a verified recording may be performed (S160).

Next, the server 200 performs the subscription confirmation process and recording process through the financial product subscription confirmation call (Happy Call: S180) to the client terminal device 400 based on the validation completion script and the validation completion recording. can be performed (S170, S190).

The detailed description of this step-by-step verification process will be omitted as it overlaps with the description described above with reference to FIGS. 2 and 3 , and specific examples will be made clear by the detailed description with reference to FIG. 5 or less.

Example of intelligent step-by-step verification process

In the detailed description below, in the financial product subscription service based on the intelligent step-by-step verification process of the present invention, as an example, through the intermediary terminal device 300 used by the insurance solicitor, the insurance product-related information that the customer wishes to subscribe to is provided in the original text. Although examples are limited to the process of displaying and providing a script, this is a representative example for convenience of explanation, and the present invention is not limited thereto.

5 to 8 are interface screens illustrating an example of a process of providing a financial product subscription service based on an intelligent step-by-step verification process according to an embodiment of the present invention.

First, referring to FIG. 5 , the user interface 10 including the original script related to insurance products displayed on the intermediary terminal device 300 includes a main area 20 composed of a plurality of tabs and a plurality of buttons. The control area 30 may be included and configured.

More specifically, the main area 20 is composed of a plurality of tabs (A, B, C, D, E, F), and the tabs perform the procedure for subscribing the corresponding insurance product. It may be a web/app page separated for convenience. For example, the A tab is a process of accessing and logging in to the server 200 and a process of checking customer information and insurance solicitor information who want to subscribe to the corresponding insurance product. It may be a page that performs In addition, tabs B to E may be pages that provide contents such as product description, terms and conditions, and subscription form of the corresponding insurance product as a script. In addition, the F tab may be a page for performing a procedure for consenting to personal information consent and an insurance subscription agreement.

Subsequently, the control area 30 may be composed of a plurality of buttons 31 and 32, and the first button 31 is an insurance for each of the plurality of taps A, B, C, D, E, F. When the designer explains (reads) the script, the corresponding voice can be recorded and saved on each tab. In addition, the second button 32 may perform a function of selecting the direction and order of moving to the next tab or returning to the previous tab.

Next, looking at the B tab in the main area 20 of the interface 10 as an example for better understanding, the original script for 'OO non-life insurance product description' is displayed and provided. At this time, the insurance solicitor orally explains the original script of the 'OO non-life insurance product description', and when the first button 31 of the control area 30 is selected, the corresponding voice can be automatically recorded.

Next, referring to FIG. 6 , the recording is provided to the server 200, and the server 200 receiving the recording determines whether the recording matches the original script for each section, and according to the determination result, the original text A first verification process of generating a first verification script by reflecting the determination result in at least one of a color and a shape of the script may be performed. As an example, as shown, in the section where the recording and the original script are determined to match, the underline is reflected, and the color (red) or the letter slope is reflected in the text in the section determined not to match as a result of the determination ( It can be confirmed that the first verification script generated after being changed) is displayed.

Therefore, the insurance solicitor can visually accurately recognize the wrong part of the original script explained by him, and can quickly determine and select the part that needs re-recording.

Next, referring to FIG. 7 , based on the color and shape of the first verification script, the insurance solicitor performs a process of re-recording the subsequent section including the selected section according to the selection in the intermediary terminal device 300 . can do. For example, as shown in the figure, if you select (check) the second section, 'This product is an OO insurance product description for OOO', out of a total of 4 sections (circular check box), all subsequent sections including the section are selected (checked). It can be seen that the section S2 is initialized. As described above, the process of re-recording the subsequent section S2 including the corresponding selected section initialized with the original script by selecting the first button 31 of the control area 30 again can be performed.

At this time, as shown, when the subsequent section (S2) including the selection section is more than half of the entire first verification script (S1, S2), the second section of the subsequent section (S2) including the selection section A second verification script may be generated by initializing the first verification script to the corresponding original script. On the other hand, although not shown, if less than half of the entire first verification script, the second verification script may be generated by additionally reflecting in the first verification script of the subsequent section including the selection section.

Next, referring to FIG. 8 , the re-recording is provided to the server 200, and the server 200 receiving the re-recording receives the re-recording with the original script S2 of the subsequent section including the selected section. The match is judged for each section, and the second verification script is generated by reflecting the judgment result in at least any one of the color or shape of the subsequent original script (S2) including the selected section according to the judgment result. A second verification process may be performed. For example, as shown, in the selection section in which the recording and the original script are determined to match, it can be confirmed that the second verification script generated by reflecting (changing) the underline of the letters is displayed.

Therefore, since there is no discrepancy section on the second verification script, after verification is passed according to the selection of the intermediary terminal device 300, as described in the detailed description with reference to FIGS. 1 to 4, the third verification process according to the present invention, The fourth verification process and the process of recording through the insurance product subscription confirmation call can be performed step by step. A detailed description of this step-by-step verification process will be omitted to avoid duplication.

The embodiments according to the present invention described above may be implemented in the form of program instructions that can be executed through various computer components and recorded in a computer-readable recording medium. The computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the computer-readable recording medium may be specially designed and configured for the present invention, or may be known and available to those skilled in the computer software field. Examples of the computer-readable recording medium include a hard disk, a magnetic medium such as a floppy disk and a magnetic tape, an optical recording medium such as a CD-ROM and DVD, and a magneto-optical medium such as a floppy disk. media), and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules for carrying out the processing according to the present invention, and vice versa.

In addition, in the detailed description of the present invention, specific matters such as specific components, etc., and limited embodiments and drawings have been described, but these are only provided to help a more general understanding of the present invention, and the present invention is limited to the above embodiments It is not, and those of ordinary skill in the art to which the present invention pertains can devise various modifications and variations from these descriptions. Accordingly, the spirit of the present invention is not limited to the above-described embodiments, and not only the claims described below, but also all modifications equivalently or equivalent to the claims are within the scope of the spirit of the present invention. will do it

100: communication network
200: server
210: script provider
220: first verification unit
230: second verification unit
240: third verification unit
250: fourth verification unit
260: subscription management unit
270: database
280: communication department
290: control unit
300: intermediary terminal device
400: client terminal device
310, 410: terminal device display unit
320, 420: recording management unit
330, 430: terminal device verification unit
340: 440: re-recording management unit
350, 450: terminal device management unit
360, 460: terminal device database
370, 470: terminal device communication unit
380, 480: terminal device control unit

Claims (10)

A server for providing a financial product subscription service on a communication network,
a script providing unit for providing financial product-related information as an original script to an intermediary terminal device and optionally a client terminal device;
When the voice corresponding to the original script is collected and recorded by the intermediary terminal device and optionally the client terminal device, it is received and determined whether or not the original script is consistent with the original script for each section, and the color of the original script according to the determination result , a first verification unit for generating a first verification script by reflecting the determination result in at least one of the shapes;
The first verification script is provided to the intermediary terminal device and optionally the client terminal device, and based on the color and shape of the first verification script in which the determination result is reflected, the intermediary terminal device and optionally the client terminal device If a subsequent section including the selected section is re-recorded according to the selection, it is received and re-determined whether the subsequent section including the selected section matches the original script for each section, and the selected section according to the judgment result a second verification unit for generating a second verification script by reflecting the judgment result in at least one of the color or shape of the subsequent original script or the first verification script, including;
The second verification script is provided to the intermediary terminal device and optionally the client terminal device, and when verification passes according to a selection in the intermediary terminal device and optionally the client terminal device, the first verification script and the second verification script are provided. According to a matching ratio set by comparing the script in which the verification script is combined with the recording in which the recording and the re-recording are combined, classifying the combined script by grade, or classifying and verifying the combined script by grade for each section of the combined script 3 verification unit;
If the grade of the classified combined script or the classified combined script section is greater than or equal to a set grade, only the combined script is re-verified, and if it is less than the set grade, both the combined script and the combined recording are re-verified, , a fourth verification unit that generates a verification completed script and a verification completed recording; and
Subscription management unit for recording by conducting the financial product subscription confirmation call to the client terminal device based on the verification completion script and the verification completion recording
characterized in that it comprises,
The combined script is
It is a combination of the first verification script before the selection section and the second verification script after the selection section,
The combined recording is
A server characterized in that it combines the recording before the selected section and the re-recording after the selected section.
According to claim 1,
The section is
Server, characterized in that words or sentences constituting the script.
According to claim 1,
The shape is
A server characterized in that it is any one or a combination of the text size, font, text thickness, letter inclination, and letter underline of the corresponding script.
delete According to claim 1,
The second verification unit,
Subsequent sections including the selection section,
In the case of more than half of the entire first verification script, the first verification script of the subsequent section including the selected section is initialized to the original script to generate a second verification script,
If less than half of the entire first verification script, the server characterized in that the second verification script is generated by additionally reflecting in the first verification script of the subsequent section including the selected section.
According to claim 1,
The third verification unit,
Selectively determine whether to pass the verification by checking the color and shape of the second verification script in which the determination result and the determination result are reflected,
The server, characterized in that when the determination result and the color and shape of the second verification script reflected by the determination result are recommended to pass the verification by numerical values, the server, characterized in that it selectively determines whether to pass the verification based on this.
According to claim 1,
The fourth verification unit,
If the grade classified according to the matching ratio is higher than the set grade,
The re-verification process is determined based on whether the core Kiwid matches rather than the whole of the combined script, and the grade according to the matching ratio of the core keyword is classified as the grade of the combined script or the combined script section to perform the re-verification process only when it is equal to or higher than
Server, characterized in that.
8. The method of claim 7,
The fourth verification unit,
If the grade classified according to the matching ratio is less than the set grade,
The re-verification process is determined based on whether or not the whole of the combined script matches the whole of the combined recording, not the whole of the combined recording, and the grade according to the matching ratio of the corresponding key keyword is classified as the combined script or the Performing the re-verification process only when it is higher than the grade of the combined script section
Server, characterized in that.
According to claim 1,
The intermediary terminal device or optionally the client terminal device,
A photo or video providing the financial product related information is taken and transmitted to the server,
The subscription management unit having received this information, the server further comprising a fifth verification unit for storing in an interface including the verification completed script or to be linked thereto.
According to claim 1,
When the script providing unit provides the original script,
By further providing a script for testing, the intermediary terminal device and optionally the client terminal device recognize and store the user's test voice,
The server, characterized in that the recording, the re-recording, the server, characterized in that set as the identification standard voice of the recording.

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