KR20050076468A - The method for the efficiency of a bank window service by the electronic slip ,for the marketing and the shortening of client waiting time - Google Patents

Abstract

The present invention eliminates paper use by streamlining paper documents such as slips, receipts, waiting lists, etc., which have been used to process banking services such as banks in the past. It aims to eliminate the waste of time, and at the same time, it's a marketing method that uses the opportunity of contact with hundreds of visiting customers to inform and sell their products and information to the bank. Depending on the situation, you can get the best service opportunity and apply for the service in advance by electronic method. After you find the electronic waiting table and expected time, you will be automatically connected to the bank's website and exposed to product information and promotion of the bank. After that, you can go to the counter in order to receive the service. do. After that, the processing result is received by the electronic terminal in its own terminal to improve work efficiency, economic efficiency and customer service.

Description

The method for the efficiency of a bank window service by the electronic slip, for the marketing and the shortening of client waiting time}

In connection with the previous banking services, many designs have been devised regarding electronic payment systems and payment systems using the Internet. Accordingly, the number of deposits and withdrawals from visiting banks has been reduced. In some cases, it is a valid method, but if it is not, you still have to visit a bank to handle it. Also, in case of existing telebanking or PC banking, there are local differences due to security concerns. In order to do business, you have to pay a considerable amount of waiting time by visiting a bank, which is a significant burden on the customer. Deposit and Withdrawal among Transaction Types Select one of the documents, mark the transaction details, keep it, store it, and wait for the turn free of charge. When it arrives, it is delivered to the clerk with the waiting table. The time required for this was longer than an hour, so considerable patience was required to view the banking business. In addition, the time that customers wait to see the banking business may vary depending on the time zone, branch, and region, but they have to wait boringly from 10 minutes to 1 hour and do not know when to call. The time lost by customers who cannot see or do parallel processing is estimated at K Bank's 1124 stores nationwide with only 200 passengers per day (the actual number is higher, and the bank's Gangnam branch has more than 1,000 daily users) Even if the cost of making a document reaches KRW 1 billion a year, this is excluded from management and distribution costs, and the total number of financial institutions in Korea is 21, and the number of branches is 5,500 (small Excluding 680 financial institutions, securities firms, and 7,432 insurance firms: The Financial Times dated September 22, 2003. If you convert it into an amount of money, it consumes a lot of money, which means you lose competitiveness not only in terms of individuals but also nationally, and it is a wasteful one. It is concluded that the amount of time spent per day is over 10 million minutes and 183,333 hours. At the same time, the waiting times for customers are mostly free of charge, and in the course of visiting hundreds of banks a day, most of them do not take advantage of the marketing and sales opportunities that occur at the point of contact with these customers, and mostly deal with simple tasks such as deposit and withdrawal. There were many cases. In addition, the document method is applied to receipt processing and ticket issuance, and the costs have been similar to the above. Banks rely on paper-based business processes such as paper slips, which delays the processing of the service. There has been a side that can not.

In order to solve the problems described above, according to the present invention, a customer can download a program (electronic slip) from the bank's homepage or receive a program sent from the bank before going to the bank, and receive his or her own terminal (PC, PDA, mobile phone, Laptops, devices with similar functions, etc.), and when you want to do business later, before you go to the bank, search the desired bank while you are at the office, home, or mobile. After inputting the data, you can receive the electronic waiting table and the expected waiting time, go to the window according to the processing time, and perform the business without the tedious waiting time as before, or go directly to the bank and run the customer terminal installed in the waiting room. After the input transmission in the above way, the electronic waiting table and the estimated time are given. If you press Enter after inputting, the bank product window of the bank's homepage is activated immediately and you can get information or sign up by exposing to various product information such as stock, savings, trust, insurance, pension, foreign exchange, finance, etc. It is linked to, and the processing result is transmitted to the terminal of the customer to the electronic receipt to process the processing without the inconvenience of management according to the paper receipt.

In order to achieve the above object, the present invention provides the service data by selecting one of the steps: executing an electronic slip through a terminal and searching a bank to search for a waiting condition; Input process, Step 3: The process of checking the completed electronic slip and sending it, and then accessing the bank's homepage, which is a service provider that appears immediately, and exposing it to publicity and product information.Step 4: Request for service sent from the terminal. Process of receiving and processing slips and issuing electronic waiting tickets, Step 5: Process of service work such as customer's deposit and withdrawal in the business processing department, Step 6: After completing the service work, send the transaction details to the electronic receipt and process the customer processing data The process is completed by storing the DB in the DB. This will be described with reference to FIG. 1.

As shown in FIG. 1, the customer installs the electronic slip program 21 on his terminal 11. The form of the terminal 11 can be any device that can communicate (cell phone, laptop, PC, PDA, etc.). The installation may be a method in which a customer directly accesses the bank's homepage 15, or installs an electronic slip program 21 that the company transmits or delivers online. The electronic slip program 21 is installed in the customer terminal 12 to directly visit a bank and use it for the customer 10 who wants to process the service. In accordance with the PC, PDA, notebook, mobile phone, etc. by running the electronic slip program 21 installed in its own terminal 11 to access the search server to search for the desired bank. Then, the search server 33 accesses the point information stored in the DB 36, and requests the center server 35 for standby status information for each point. The center server 35 receives the points 35a to 35n. Real-time customer waiting situation and estimated time required from the interface with the customer terminal (11), the customer who has obtained these information is selected from the appropriate bank (35a ~ 35n) (step 1), the type of use Depending on the house, office, mobile slips, withdrawal slips (keyboard, voice, tablet, etc.) to run and write to the service bank to the network (14), the network used at this time (14 ), Wired, wireless or satellite can be used. On the other hand, in the case of the customer 10 who wants to visit the bank directly and process the service, the customer goes to the waiting room at the window and executes the electronic slip program 21 of the customer terminal 12 and goes through the above input process (2). step). Customers can surf the homepage (15) of the corresponding bank appearing in interworking time after sending the electronic slip and obtain information or subscribe to the desired product (step 3), and then the receiving server 31 of the bank receives it. Send it to the window (37) for the reception. The standby processing server 34 receives this, determines the order number, generates an electronic waiting table 22 containing the number and the expected waiting time, and transmits it to the terminals 11 and 12 of the customer through the transmission server 32 (step 4). ). After that, the customer 10 goes to the window 37 and proceeds with the service operation such as deposit and withdrawal immediately (step 5), and instead of the previous paper receipt, the electronic receipt 23 with his terminal ( 11), the bank stores the customer service processing information in the DB 12 so as to terminate the processing (step 6).

In order to process the above affairs, the present invention comprises a customer requesting unit 10, an electronic document unit 20, and a banking unit 30 as a service provider. In the customer terminal 12 at the window, the banking unit, which is a service processor, receives the reception server 31, the transmission server 32, the search server 33, the standby processing server 34, the center server 35, and the DB 36. ), The window 37, the electronic document section 20 is composed of an electronic slip 21, an electronic waiting table 22, an electronic receipt (23). The customer part will use the name as a customer or refer to each component belonging to it, and these will be described with reference to FIG. 2. The terminal unit 10 includes a terminal 12 installed in a waiting room in a window for a customer visited by a personal terminal 11 and a bank. These terminals install a slip to receive and send a slip, receive an electronic waiting slip and an electronic receipt, and access the bank's homepage for financial services such as information retrieval and product subscription. It replaces the paper slip used in the search function and functions to be connected to the search function and the homepage, and the electronic waiting table 22 replaces the paper waiting table and informs the terminal 11 and 12 of the waiting time other than the waiting number. The customer can perform the service processing accordingly, and the electronic receipt 23 can receive the service processing result through the terminal 11 in place of the previous paper receipt. The receiving server of the bank unit 30 31 receives the service request electronic slip 21 transmitted from the terminals 11 and 12, and transmits it to the window 37, and the transmission server 32 transmits to the customer waiting situation of the current window. It serves to transmit the table and estimated time required and the electronic receipt to the terminals 11 and 12 of the customer, and the standby processing server 34 processes the service reception of the customers in real time to determine the processing order and generates the waiting table. The customer analyzes the air condition transmitted from each branch (35a to 35n) in real time from the search server 33 for searching the service bank and the air condition, and the center server 35 to interface with the customer terminal. It is composed of a DB 36 for storing data, storing branch information, and allowing the customer to access, and a window 37 for processing the service work of the customers.

In order to process the above affairs, the present invention comprises a customer requesting unit 10, an electronic document unit 20, and a banking unit 30 as a service provider. In the customer terminal 12 at the window, the banking unit, which is a service processor, receives the reception server 31, the transmission server 32, the search server 33, the standby processing server 34, the center server 35, and the DB 36. ), The window 37, the electronic document section 20 is composed of an electronic slip 21, an electronic waiting table 22, an electronic receipt (23). The customer part will use the name as a customer or refer to each component belonging to it, and these will be described with reference to FIG. 2. The terminal unit 10 includes a terminal 12 installed in a waiting room in a window for a customer visited by a personal terminal 11 and a bank. These terminals install a slip to receive and send a slip, receive an electronic waiting slip and an electronic receipt, and access the bank's homepage for financial services such as information retrieval and product subscription. It replaces the paper slip used in the search function and functions to be connected to the search function and the homepage, and the electronic waiting table 22 replaces the paper waiting table and informs the terminal 11 and 12 of the waiting time other than the waiting number. The customer can perform the service processing accordingly, and the electronic receipt 23 can receive the service processing result through the terminal 11 in place of the previous paper receipt. The receiving server of the bank unit 30 31 receives the service request electronic slip 21 transmitted from the terminals 11 and 12, and transmits it to the window 37, and the transmission server 32 transmits to the customer waiting situation of the current window. It serves to transmit the table and estimated time required and the electronic receipt to the terminals 11 and 12 of the customer, and the standby processing server 34 processes the service reception of the customers in real time to determine the processing order and generates the waiting table. The customer analyzes the air condition transmitted from each branch (35a to 35n) in real time from the search server 33 for searching the service bank and the air condition, and the center server 35 to interface with the customer terminal. It is composed of a DB 36 for storing data, storing branch information, and allowing the customer to access, and a window 37 for processing the service work of the customers.

The work flow of these components is shown in the flowchart of Fig. 3. The customer accesses the bank's homepage through his terminal, joins the service, downloads the electronic slip program and installs it on his terminal. After the 300 (300), execute the search for the desired point and grasp the waiting situation (301), and then select the service slip to enter the slip (voice, keyboard, tablet, etc.) to write (302), check The wrong input is transmitted via the rewriting 302 (304), and then automatically connected to the homepage of the corresponding bank, which is linked to it, and the information can be retrieved or the product can be subscribed (305). In the meantime, the sending server transmits the receipt confirmation and the electronic waiting table to the client's terminal along with the expected waiting time (306). And treated radish 307, the processing result is doemeuro the electronic receipt is received by the own terminal, to send the stored data to the complete customer DB (308) end (309).

To be more specific, it is intended to help understanding by explaining the business process in detail through the drawings of Figs. 3a to 3g for each work step, and those who have ordinary knowledge will easily understand.

Figure 3a is a bank and atmospheric situation search process and corresponds to step 1 of the business process for the present invention. Running the electronic slip installed in the terminal and accessing the server of the bank (310), a search server step (311) to retrieve the desired number of banks and the current waiting time, DB step to access the input point information stored 312, the center server step 313 to interface with the customer terminal by processing the air condition and expected time information from the server of each point in real time and distributed, and finally to recognize the information to select the desired service point There is a step 314.

Figure 3b is a deposit slip input diagram and corresponds to the second step of the business process for the present invention. Step 320 of executing the electronic slip, inputting the account number and deposit amount required for deposit (321), other If you want to deposit in a row step (322) to enter the bank and branch, the sender's name and resident registration number and contact information step (323), if necessary, enter the CMS number (324), check issued If you want to select a check item by selecting the type of check to be issued, and select the desired number of checks by pressing the number selection bar (325), check the data items entered more than if entered incorrectly re-enter the normal input At step 326, the security verification is performed, and finally, the input process is terminated by transmitting the deposit slip to the service bank for service processing (327).

Figure 3c is a drawing of the withdrawal slip and corresponds to the second step of the business process for the present invention. Step 330 of executing the electronic slip, inputting the account number and the deposit amount required for the deposit 331, encrypted password Entering and entering the withdrawal note (332), the message to request the withdrawal of the withdrawal step (333), if you wish to issue a check, select the desired check item by selecting the bar indicating the type of check issued Selecting the desired number of checks by pressing the selection bar (334); entering an account number and an item for the amount holder if desired to be transferred to another account (335); In the case of re-entering and confirming during normal input and undergoing security authentication (336), the input process ends by sending the withdrawal slip to the service bank for service processing. It is 337.

3d is a homepage connection diagram, which corresponds to three stages of the business process for the present invention. After the step 340, which is the last stage of the second stage of inputting and transmitting the electronic slip, the terminal's homepage is automatically displayed on the terminal of the customer. In step 341, which is linked and linked, the promotional information of the bank, the service provider, and the product information of the company's I & R data are generated and exposed on the automatically connected homepage (342), or the search or call center, Acquiring information through inquiry or consultation through a help desk (343), and the step of joining or terminating the product such as a desired trust or deposit insurance online (344).

Figure 3e is a process of processing the electronic waiting table corresponds to the four steps of the business process for the present invention. Receiving a service request electronic slip received from the customer at the receiving server of the bank unit 350, sending it to the window to receive the processing Step 351, setting the waiting sequence through the standby processing server and setting the expected waiting time (352), transmitting the electronic waiting table with the contents to the customer terminal through the transmission server (353), personal electronic waiting table And receiving the electronic waiting table through the customer terminals 11 and 12 installed in the window 354.

Fig. 3f is a counter business process diagram and corresponds to steps 5 and 6 of the business process for the present invention. Step 360 of receiving a customer service request slip from the receiving server of the previous stage, and transmitting it to the counter for reception processing Step 361, checking the waiting number of the customer to be serviced according to the waiting order at the window 362, and checking the customer service at the window, etc. The electronic receipt is generated (step 364), which is transferred to the terminal through the transmission server and stored in the DB, and the process is terminated (365).

Figure 3g is an electronic receipt business processing diagram and corresponds to the six steps of business processing for the present invention. Step 370 of processing a customer service business at the window, the details of the processing result deposit date, account number, deposit amount, deposit form Entering an electronic receipt containing the name of the depositor, the handling point, the account, the management point, fees, etc. in place of the previous paper receipt (371), and transmitting it to the customer terminal through the transmission server (372), sent electronic receipt Receiving through the terminal 371.

In this way, the electronic business process intended by the present invention is completed. The following is an exemplary diagram of the electronic slip, electronic receipt, and electronic waiting table described above, which are submitted as drawings for clarity.

Figure 4 is an illustration of the electronic slip for the deposit used by the customer when applying for banking services.

Figure 5 is an example of the electronic slip for withdrawal that customers use when applying for banking services.

6 is an exemplary homepage automatically connected after the electronic slip is sent through the terminal.

7 is an example of an electronic waiting table issued by a bank after receiving customer service.

8 is an example of an electronic receipt issued by the bank after processing the customer service.

The present invention eliminates the material costs of the financial sector due to the document processing method such as the previous slips, receipts, waiting lists, etc., which can bring economical, management, and distribution savings. It can improve the work efficiency and reduce the waiting time of customers, thereby realizing customer satisfaction by improving the dissatisfaction factors of the users, and introducing useful information to the waiting customers by using information, promotion, products, etc. At the same time, as a bank, new opportunities for marketing and sales are captured. Customers can create and send electronic slips while traveling at home or office. This can be increased.

1 is an exemplary overall configuration for carrying out the present invention.

2 shows a component connection diagram for business processing.

    Fig. 3 is a flow chart of the window service process according to the present invention

    Figure 3a is a process of searching for the service bank and the atmospheric situation desired by the customer.

    3b is a flow chart for inputting an electronic slip.

    3C is a flow chart for inputting a withdrawal electronic slip.

    3d is a process in which customers access the home page during the waiting time.

    3e is a flow chart of the electronic waiting table.

3f is a window processing procedure.

3g is an electronic receipt business process process diagram.

Figure 4 deposit electronic slip example

    5 is an example of withdrawal electronic slip

6 homepage example

7 is an illustration of the electronic waiting table

Explanation of terms of important parts of the drawings

10: Customer 11: Customer terminal 12: Customer terminal in the window 14: Network 15: Homepage 21: Electronic slip 22: Electronic waiting table 23: Electronic receipt 30: Bank

31: receiving server 32: sending server 33: search server

34: standby server 35: center server 35 (a) to 35 (n): each branch server 36: DB 37: counter

Claims (8)

In the electronic business processing, marketing and shortening of waiting time for the efficiency of the bank window work, the personal terminal 11, the customer terminal 12 in the window, the electronic slip 21, and the electronic waiting table 22 ), The electronic receipt (23), the receiver server 31, the transfer server 32, the search server 33, the standby processing server 34, the center server 35, the DB 36, the window (37) The first step is to execute the electronic slip through the terminal, and to access the search server and search the bank branch to search the waiting number and the expected waiting time. Step 2 to select and execute and enter service data, check and send the completed electronic slip, and then immediately access to the homepage of the banking department, which is exposed to publicity and product information, search for these information, or call center Contact us via the help desk Receive the service request slip sent from the terminal at the receiving server, receive it at the counter, and receive the information through e-mail through the standby processing server. 4 steps to create and issue waiting table, 5 steps to check customer's waiting number and customer to process service according to waiting number at window, and 5 steps to handle service business such as customer's deposit and withdrawal, and process details are processed by electronic receipt Automatically generated through the transfer server to the customer terminal, and through the six steps of storing and ending the customer service processing data in the DB, through the electronic slip processing process for deposit and withdrawal, instead of paper slips Electronic business processing method characterized in that the work efficiency. The method of claim 1, wherein in the first step, the terminal 11 executes a search function of the electronic slip program, and accesses a search server 33 to search for a desired bank branch. Then, the search server 33 accesses the point information stored in the DB 36, and requests the center server 35 for standby status information for each point. The received center server 35 receives each point 35a ~. The real-time customer waiting situation and estimated time required information from 35n) are interfaced with the customer terminal 11, and the customer who has obtained these information selects a bank (35a ~ 35n) that is suitable for him and the bank in advance. Electronic business processing method characterized in that to grasp the situation, and to apply for service.       The method according to claim 1, wherein in step 2, the bank selects and executes one of the deposit and withdrawal of the electronic slip and inputs the account number and deposit amount required for the deposit; Select the check item you want by entering the name and point, the name of the sender, the resident registration number and the contact information, the CMS number if necessary, and the check type, if you want to issue a check. Press the number of selection bar to select the number of checks you want, check the data item you entered over and re-enter it if it is wrong, check it at the normal input, and go through security authentication, and transfer the deposit slip to the service bank for service. How to enter the deposit slip, the process of executing the electronic slip, and the need for deposit Enter the account number and the deposit amount, enter and enter the encrypted password and withdrawal note, enter the message and signature for the withdrawal request of the withdrawer, and if you want to issue a check, select Select the desired check item and press the purchase selection bar to select the desired check number, if you want to transfer to another account, enter the account number and the amount for the account holder, and check the entered data item. If it is re-enter, check the normal input and go through the security certification, and enters the service data of the withdrawal slip input that the input process is terminated by sending to the service bank for service processing, electronic slip (21) The electronic business process method characterized by the method of inputting). The method of claim 3, in the preparation of the slip 21 before the bank, in writing the electronic slip 21 in advance at home, the office, while on the move, and write it through the terminal 11, or the bank teller waiting room Electronic business processing method, characterized in that also through the customer terminal 12 installed in. According to claim 1, In the third step, after filling out and sending the electronic slip 21 through the terminal (11, 12), it is automatically connected to the homepage 15 to be exposed to product information and publicity, etc. Electronic business processing method that enables the marketing and sales method, characterized in that to obtain information. The method according to claim 1, wherein in step 4, after receiving the service request, the standby processing server 34 generates an electronic standby table 22 containing a waiting number and an expected waiting time in place of the previous paper waiting table. 32) The electronic business process method characterized in that the transmission to the customer terminal (11, 12). The method according to claim 5, wherein the waiting time is shortened by processing the service tasks such as entering and withdrawing to the window 37 in accordance with the expected waiting time of service processing through the electronic waiting table 22 received through the terminal 11. Electronic business process method. The method according to claim 1, wherein in the sixth step, when the service work processing is completed, the processing history is automatically generated as a receipt, and is transmitted to the customer terminal 11 as an electronic receipt 23 instead of the previous paper receipt. Electronic business process.