KR20020029187A - Consultation Service Method through Internet for Opening Accounts - Google Patents

Abstract

PURPOSE: A method for a consultation service on a deposit through the Internet is provided to reduce the consultation time, and to improve efficiency of consultation by letting a customer previously apply for consultation and building a database for storing application data. CONSTITUTION: The method comprises steps of a customer connecting to a homepage of a bank through the Internet(S10), checking if an application form writing menu selected by the customer(S20), outputting the screen data for downloading and running a user identification program to the web browser of the customer and storing the program in a customer terminal(S50), the customer writing an application form(S60), storing the data file corresponding to the consultation contents in the database of a bank selected by the customer and transmitting the data file to the bank(S80), consulting with the customer visiting the bank by reading out the consultation information from the database(S90), the customer signing a transaction application form after consultation(S100), and storing the information about a new transaction subscription in a customer information database(S110).

Description

Deposit Service Method through Internet for Opening Accounts}

The present invention relates to deposit counseling using the Internet, and before the customer visits the bank consultation counter, the customer receives the customer deposit counseling application from the bank's homepage in advance and secures the customer information necessary for deposit or loan counseling, thereby benefiting the customer. In addition, the present invention relates to a method of deposit consultation service through the Internet suitable for improving the bank's business efficiency.

In general, the client consults with the bank to deposit or effectively manage the surplus funds or to make loans as needed. This can be done by visiting the bank's sales office directly. You will be asked to tell the teller whether it is advisable or what to prepare for the loan.

In this case, the customer will come without any notice, and the counselor should consult without knowing the customer's situation. Therefore, the longer the consultation time, the more uncomfortable the customer and the burden on the banking work. do.

In addition, when the consultation is completed, deposits or loans are made. In the above-mentioned consultations, a lot of time has already been spent, and the customer's name, telephone number, social security number, occupation, etc., is applied to the deposit transaction application documents or loan documents again. Since all the details have to be filled out, the customer spends more time in the bank and requires much effort.

The present invention has been made in view of the above-described conventional problems, before the customer visits the bank consultation counter and receives the customer's deposit counseling application from the bank's homepage in advance before depositing or lending counseling, it is used as a database in the bank. By shortening the consultation time and the efficiency of the consultation, the purpose is to provide a deposit consultation service method through the Internet that can reduce the time to enter the customer information and the time the customer stays in the bank.

1 is a flow chart showing a process of deposit consultation service according to the present invention

Figure 2 is a flow chart showing the process of creating a customer deposit consultation application in the deposit consultation service process according to the present invention

In order to achieve the above object, a deposit counseling service method through the Internet according to the present invention includes a first process in which a customer accesses a homepage of a bank using the Internet; A second step of confirming selection of a 'counsel writing application' item from a customer accessing the homepage; A third step of transmitting the screen data for selecting the download and execution of the personal authentication program to the web browser of the customer when the selection of the consultation application item is confirmed, and storing the personal authentication program in the customer computer terminal when the customer confirms this; After the personal authentication program is stored, the fourth process of outputting the consultation application to the customer's web browser, the customer to write it; A fifth step of generating a data file of the consultation contents and storing the data file in the database of the bank and transmitting the data to the corresponding branch when the customer who has prepared the consultation application selects the scheduled branch to visit; After the above process, when the customer comes to the shop before and after the scheduled visit date, after checking the real name, the customer counseling information is read out from the database constructed with the resident registration number to confirm and consult, and when modification occurs, the customer information is partially modified. process; A seventh step of reading the customer information of the database of the bank to the customer who has completed the consultation, and outputting a transaction application in which the items to be described in the transaction application are selectively selected from the contents of the consultation to receive a handwritten signature of the customer himself; An eighth step of confirming and storing a new transaction subscription in a customer information database after the handwritten signature is finished; Characterized in that comprises a.

Hereinafter, a method of providing a deposit consultation service through the Internet according to the present invention will be described in detail with reference to FIGS. 1 and 2 as follows.

In FIG. 1 and FIG. 2, the customer's deposit consultation is taken as an example, and the same flow is applied to the loan. Therefore, although the drawings include 'deposit consultation', 'deposit transaction', 'deposit amount', deposit type, etc., they can be replaced with 'loan consultation', 'loan transaction', loan amount ', and' loan type ', respectively. These can be collectively referred to as 'counseling', 'transaction', 'amount' and 'type' respectively.

In the claims, the latter term is referred to as a concept.

Figure 1 shows the flow of deposit consultation service through the Internet according to the present invention.

First, the customer accesses the homepage of the bank using the Internet (S10), and obtains and confirms various kinds of information provided by the homepage.

In this process, if the customer selects the 'bank counseling application (counseling application)' item of the bank displayed on the homepage (S20), he / she transmits a data file on whether to download and install the personal authentication program and the client's web browser image. If it is displayed and displayed in response to the customer confirmation (S40), the personal authentication program is stored in the customer's computer terminal (S50).

Through this process, when the storage of the personal authentication program is completed, the customer writes it by outputting and displaying a consultation application on the customer's web browser (S60).

When the customer fills out the consultation application and inputs the scheduled sales office and the scheduled visit date (S70), the client creates a data file for the contents of the consultation and stores it in the database of the bank and transmits it to the sales office (S80). This allows the sales representative to prepare for the consultation with reference to the above-mentioned consultation prior to the visit of the customer.

After the above process, when the customer visits the shop before or after the scheduled visit date, after confirming the real name, the customer counseling information is read out from the database to confirm and consult, and when the modification occurs, the customer information is partially modified (S90).

In this way, when the consultation is completed, the customer receives his or her handwritten signature by outputting a transaction application form (S100). The transaction application is a formal document, and since detailed information of the customer is built in a database, the customer information stored in the database is read out so that the items to be described in the transaction application are selectively outputted in the consultation contents. can do. Therefore, the customer can apply for a transaction without a separate description only by writing the signature on the transaction application.

When the handwritten signature is completed in the transaction application as described above, the branch counselor confirms and stores the new transaction subscription in the customer information database (S110), so that it can be continuously used as information.

In the above-described deposit consultation service method through the Internet of the present invention, a process for a customer to prepare a deposit consultation application will be described in more detail with reference to FIG. 2.

Data items in the deposit consultation application include customer name, customer resident registration number, occupation, customer work / home address and telephone number, income level, housing type, fund use, deposit amount (money amount), and email address. If necessary, other items may be added in addition to these items, and each item may be further subdivided.

According to the present invention, the customer is selected from the items displayed on the consultation application by operating the mouse, and then processed in a manner that is described by the keyboard, first, check whether the customer's name is entered (S601), the customer's social security number is input Also check whether or not (S602).

In addition, it is checked whether the job of the customer is entered (603), the work / home address and phone number (604), and whether the income level of the customer is entered (605). It is preferable that the income level of the client is one of the earned income and the business income. Among the earned income, the annual income includes the annual earned income, and the earned income includes the annual business income. In addition, as other income, subdivided items such as pension income, interest income, stock per capita income, rental income, and spouse income may be further added.

In addition, it is checked whether the customer's housing type has been entered (606). The customer's housing type preferably includes one of his own, a rent, and a monthly rent. In the case of own ownership, the customer's housing includes one of a detached house, an apartment, and a townhouse. It is desirable to include an entry for entering the apartment rating.

Then, it is checked whether the customer's funds are used (S607). The purpose of funding includes items for selecting and entering one of deposits or loans. More preferably, the types of deposits are subdivided into, for example, demand payments, earning meals, interest payments, etc., and types of loans such as mortgage loans and credit loans. Subdivide into.

In addition, it is confirmed whether the amount and type of the customer's funds (S608). The amount of funds of the customer includes, for example, an item for inputting a desired loan amount when a deposit is desired and a desired deposit amount is desired when a deposit is desired.

In addition, it is checked whether the customer's e-mail address is entered (S609).

And, if the 'confirm the input content' item that can confirm all the above input contents from the customer is selected (S610), output the input contents on the web browser of the customer (S611), 'save to save the input contents When the 'storing input content' item is selected (S612), the process of S80 in FIG. 1, that is, the process of generating a data file for the corresponding consultation content and storing it in a database of the bank and transmitting it to the corresponding branch (S80) If the 'delete input contents' item for deleting all the input contents is selected (S613), it is controlled to delete all the input contents.

In the present invention, for the customer who made a deposit consultation application form on the bank's homepage, the cost savings that can be obtained from the bank according to the reduction of the consultation time are returned to the customer, or for example, the interest rate at the time of deposit / loan. You can increase customer response by giving extra benefits, such as giving benefits or discounting fees. As a method of verification, a customer who wrote a consultation application from the bank's homepage can send a data file printed with interest rate discounts or discount tickets, and print it to present it at the bank visit.

According to the deposit counseling service method through the Internet according to the present invention described above, before the customer visits the bank counseling window and makes a deposit or loan consultation, the customer deposit consultation application is prepared in advance on the bank's homepage, and the bank makes a database of the customer's deposit consultation. By using the service, and letting the customer know the contents of the consultation to the branch where the customer wants to consult, the agent of the branch will prepare for the consultation in advance before the customer comes to the store. When using the database above, the customer's transaction application can be automatically recorded and printed.

Accordingly, according to the present invention, the bank can secure the customer's personal information in advance, so that the consultation can guide the product most suitable for the needs of the customer, and the transaction application form at the counseling window and the time when the counselor inputs the customer's information. The time to write can be shortened, so the customer response can be quickly obtained, and more information about the personal information can be obtained from the customer.

In addition, the customer can be promised consultation at the desired branch and the desired date through the bank's homepage, and the time to stay in the bank is shortened. In addition, there is an advantage in that the bank can be informed of the most suitable and necessary products for the customer.

Claims (5)

A first step in which a customer accesses a bank homepage using the Internet; A second step of confirming selection of a 'counsel writing application' item from a customer accessing the homepage; When the selection of the consultation application item is confirmed, the screen data is transmitted to the client's web browser to select the download and execution of the personal authentication program. 3 courses; After the personal authentication program is stored, the fourth process of outputting the consultation application to the customer's web browser, the customer to write it; A fifth step of generating a data file of the consultation contents and storing the data file in the database of the bank and transmitting the data to the corresponding branch when the customer who has prepared the consultation application selects the scheduled branch to visit; After the above process, when the customer comes to the shop before and after the scheduled visit date, after checking the real name, the customer counseling information is read out from the database constructed with the resident registration number to confirm and consult, and when modification occurs, the customer information is partially modified. process; A seventh step of reading the customer information from the database of the bank to the customer who has completed the consultation, outputting a transaction application written in the item selected in the transaction application from the consultation contents, and receiving a handwritten signature of the customer himself; An eighth step of confirming and storing a new transaction subscription in a customer information database after the handwritten signature is finished; Deposit consultation service method through the Internet, characterized in that comprises a. The method according to claim 1, In the fourth process, after outputting a consultation application form to a client's web browser, Confirming whether the customer's name has been entered; Checking whether the social security number of the customer has been entered; Confirming whether the customer's job has been entered; Verifying whether a customer's work / home address and telephone number have been entered; Checking whether the income level of the customer has been entered; Confirming whether the customer's housing type has been entered; Confirming whether the customer's funds are used; Confirming whether a customer's funds amount and type have been entered; Confirming whether a customer's email address has been entered; Outputting the input contents on the client's web browser when the 'confirm input contents' item that can confirm all the input contents is selected; Performing the fifth process when an 'storing input contents' item for storing the input contents is selected; Deleting all of the input contents when the 'delete input contents' item for deleting all of the input contents is selected; Deposit consultation service method through the Internet, characterized in that consisting of. The method according to claim 2, The income level of the customer is a deposit consultation service method over the Internet, characterized in that it comprises an item to select and input one of the earned income and business income. The method according to claim 2, The customer's housing type includes an item for selecting one's own property, a rent, or a monthly rent. In case of own ownership, the customer's housing type includes an item for selecting one of an independent house, an apartment, and a townhouse. Deposit consultation service method through the Internet, characterized in that it includes an item for entering the number of sheets. The method according to claim 2, The money use is a deposit counseling service method through the Internet, characterized in that it comprises an item to select and enter one of the deposit or loan.