KR20090004291A - System and method for electronic documentation of capital service application - Google Patents

Abstract

A financial service electronic documentation system capable of preparing the service application an electronic document and a method for the same are provided to efficiently manage client information by verifying the identification medium information in real time. A financial service electronic documentation system comprises a tablet terminal possible for acquisition of handwriting recognition of client and voice and image and a server operating with the tablet terminal. The server includes a data storage module(410) storing the screen information and voice guidance information, and the personal information and the financial information of client, a processing unit(420) requesting the client to prepares the electronic documented service application and a network interface card(450) communicating with the tablet terminal.

Description

Electronic document application system for financial services and method thereof {SYSTEM AND METHOD FOR ELECTRONIC DOCUMENTATION OF CAPITAL SERVICE APPLICATION}

The present invention relates to an electronic document system and method for applying for financial services, and more specifically, to a financial service application form for a customer, such as a financial institution, a government office, and a post office, to visit a branch of a relevant institution for the purpose of receiving services. The present invention relates to a financial service application electronic document system and a method for providing the simplification and efficiency of the storage and post management of financial service applications.

In general, in order for a customer to receive a service from a corresponding institution, the customer fills out the necessary information for the transaction, such as visiting his / her branch office and stamping his / her identity information and identification information such as a seal or signature on the service subscription application form to receive the service. When the report is made, the sales representative of the relevant institution checks the identity of the customer by comparing the application form of the customer with the customer's identification card, encrypts the service transaction confirmation password entered using a password input device, and stores it in the central customer information management server. The customer's seal or signature to be recorded on a service transaction medium, such as a membership card, certificate or bankbook, that can be used for proof of the transaction at the customer's next visit. do.

After completing the service registration, the customer records the service application in the service application provided in the sales office, and seals the identification information such as the seal and signature reported when applying for the service, and submits it to the counter employee along with the service transaction medium. The clerk checks the application contents of the customer's application for service, and if there is any error in the customer's application, or if there is a missing content, the clerk handles a series of tasks such as correcting the error and adding the missing content. Thereafter, visually compare the identification information of the service application prepared by the customer with the seal or signature recorded on the service transaction medium, or visually compare with the personal identification information manager who is kept in the relevant institution. After receiving the ID card, the company will verify the real name and process the service for the customer's service request.

Next, the service application that has completed the processing of the customer's service request is classified as contents and bound by contents to be kept for the retention period of the service application defined by the agency as evidence of the customer's service request. It is a processing procedure to transfer and store it in the warehouse.

In the conventional service application processing procedure as described above, the customer visits the agency office and fills out the service application on the service application form manually, but if an error or omission occurs during the process, the new service application form may be rewritten. If you find errors or omissions in the contents of the service application even when you meet with the counter staff, you may have to waste money such as re-writing the new service application form, and have a form for each service application at the agency's branch. have.

In addition, the service application that has completed the processing of the customer's service application shall be classified into contents according to the evidence of the customer's application and commercial ledger storage law, transferred to a separate logistics storage warehouse designated by the relevant institution, and stored for the retention period. There are problems such as waste of time and labor for sorting and binding, waste of transportation costs for transportation, and the introduction of a logistics management system to secure warehouses and to manage stored applications. In order to confirm the problem, it was difficult to check the contents of the real-time service application, such as searching the logistics management system for each search word to confirm the storage location of the warehouse and the warehouse management staff dismantle the bundled application.

In order to solve the problem of logistics storage management of such service application, the processed service application is scanned by using the scanner installed in the branch office after the end of business hours, and the image is electronically documented or transferred to the central image management center to central image management. By using the high-speed scanner installed in the center to scan and electronically document the images, the central server attempts to improve the processing procedure. The problem of transport and storage management of logistics storage warehouse of the completed service application was not improved because the method of counterfeiting and alteration of the image electronic document of the application was not presented.

The present invention has been made to solve the above problems, financial services application that allows the customer to fill out the application form to the customer to apply for any service at the branches of the relevant institutions, such as financial institutions, government offices and post offices in electronic documents An electronic documentation system and method are provided.

According to an aspect of the present invention for achieving the object, including a tablet terminal configured to enable the user's handwriting input and acquisition of voice and video, and a server interoperating with the tablet terminal, the server, the financial transaction A data storage unit for storing the service application form, the electronic documented service application form, the screen information and voice guidance information necessary for the procedure for generating the electronic documented service application form, the personal information and financial information of the customer, and the data. A financial service including a service application processing unit for providing a screen application and the voice guidance information stored in a storage unit to the tablet terminal to allow a customer to prepare an electronic documented service application, and a network interface unit communicating with the tablet terminal. Application for electronic documentation system Is provided.

Preferably, the data storage unit may further include voice recording information and image information of a customer associated with the electronic documented service application.

Preferably the electronic documented service application may be encrypted.

Preferably, the screen information may include screen information of service menu items.

The service menu items may include an item for performing at least one of services of an individual customer, a corporate customer, a foreign exchange service, an application for issuing a card and opening a franchise, real estate sale and subscription, and a cash deposit slip.

Preferably, the server may further include an encryption processing unit for encrypting the generated service application.

Preferably the handwriting input of the customer input by the tablet terminal may be imaged and stored in the service application.

According to an aspect of the present invention, a financial service request electronic documentation is performed in a financial service request electronic documentation system including a tablet terminal configured to enable a customer's handwriting input, audio and video acquisition, and a server interoperating with the tablet terminal. The method may further include providing basic screen information for a financial transaction service to the tablet terminal, and when a customer selects a menu item requiring a service application form while the basic screen is displayed on the tablet terminal. Providing, by the server, screen information and voice guidance information for creating an electronic documented service application to the tablet terminal so that the customer can fill out a service application by handwriting; Electronic documents created by handwriting Provided is a method for electronically filing a financial services application, the method comprising receiving and storing a customized service application.

Preferably, the handwriting input of the customer input by the tablet terminal may be imaged and stored in the service application.

Advantageously, the method may further comprise encrypting and storing said generated service application.

Hereinafter, the detailed description of the preferred embodiments of the present invention will be described with reference to the accompanying drawings. In the following description of the reference numerals to the components of the drawings it should be noted that the same reference numerals as possible even if displayed on different drawings. In addition, in describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to general practices of those belonging to the technical field of the present invention, and the definitions should be made based on the contents throughout the present specification.

According to the present invention, all documents (voice, video, text) are stored and managed on the server by electronically documenting the entry and exit of all customers during the window work of the financial institution to securely manage and manage the customer's information and invade the privacy of the customer. Prevention and conflicting interests between banks and customers, a series of data is stored on the first act, which can be avoided.

In addition, it is not necessary to mass-produce a service application form for handwriting by a customer who visits the agency's branch office by service type, face up with the branch staff, and electronically compensate for the error registration and omission. This will result in cost savings such as elimination of waste elements such as rewriting the physical service application form and savings such as recycling of jade space.

In addition, the scanner is scanned and stored as an image electronic document for preservation management of the existing handwriting service application, and the actual service application is transferred to a separate logistics storage warehouse and the scanner is required to be stored for the retention period of the document. It can reduce the cost of building an image management system, the logistics cost for transferring the actual documents, secure the space of the warehouse, and the manpower cost.

According to the present invention, by storing and managing the contents requested by the customer at the time of application for service registration, the identification information electronically stamped by the customer, and the electronic document subjected to the forgery and tamper proofing process, the storage size of the electronic document is reduced and managed. The effect is to reduce the cost of operations management.

Therefore, it is possible to reduce the cost of creating the service application and the burden of securing the space for the preparation of the electronic application of the service application written by a customer who visits the branch of the institution, and to save and manage the actual service application. In addition to reducing the management and operating costs, it is possible to effectively protect the personal information of the customer who can verify and authenticate the identity of the electronically stamped identity information in real time.

1 is a block diagram of a financial transaction application electronic documentation system according to the present invention.

Referring to FIG. 1, a financial transaction application electronic document system outputs a service application form on a screen, and receives a tablet terminal 100 that receives the contents of the service application form by a user's handwriting or operation from a customer who visits the corresponding institution. And an additional terminal 200 having a medium for receiving the identification information of the customer such as an electronic signature, a seal or a biometric means, or an authorized digital signature certificate to generate an electronic document that cannot be forged or tampered with. And a terminal 300 for modifying and supplementing the contents of the service application of the customer, visually confirming the identification information of the customer, requesting authentication to the server 400, and processing the contents of the service application of the customer. For example, it is established in the central center to verify the identity or information of the customer, and the electronic signature, seal or biometric means of the customer. It consists of a server (400) to check the stamped identification and authentication, and application storage services of counterfeit and tamper non-customer management. The server 400 may be connected to the branch terminal 300 through the network 500. Here it is shown that the tablet terminal 100 is connected to the branch terminal 300 to work with the server 400, but this may be modified as necessary.

2 is a block diagram of a tablet terminal in the financial transaction application electronic document system according to the present invention.

2, the tablet terminal 100 of the present invention is a display module 110 for providing a screen of the service application to the customer, and a tablet module 120 of the electromagnetic induction method for receiving a signature and handwriting input from the customer And a camera module 130 for image input, a speaker 140 for outputting audio, a microphone 150 for receiving audio, and an interface unit 160.

3 is a block diagram of the additional terminal in the financial transaction request electronic document system according to the present invention.

Referring to FIG. 3, the additional terminal 200 of the present invention outputs the service application form or the contents of the customer and reads the transaction confirmation medium paid by the corresponding institution to the customer, and copies the confirmation certificate or the service application copy of the service application transaction. Perform the function of printing. To this end, the additional terminal 200 may include an authentication information input module 210, a scanner module 220, and a printer module 230.

The authentication information input module 210 includes an IC card reader module 211 for reading information stored in the IC card from the IC card, a SAM socket module 212 for reading information stored in the SIM type SAM, and an RF card. An RF reader module 213 for reading information stored in the RF card from the terminal, a number input module 214 such as a pin-pad for example for inputting a password of a transaction confirmation certificate, A biometric information input module 215 for inputting biometric information such as an iris, an artery, a fingerprint, an electronic seal input module 216 for inputting an electronic seal, an electronic signature input module 217 for inputting an electronic signature, And a barcode reader 218.

Scanner module 220 may be used to scan both sides of a customer's identification card.

The printer module 230 may print a copy of the service application form or a processing result of the service application of the customer.

4 is a block diagram of a server in the financial transaction request electronic document system according to the present invention.

The server 400 includes a data storage unit 410, a service application processor 420, an encryption processor 430, a financial transaction processor 440, a network interface unit 450, and an authentication processor 460. It is configured by.

The data storage unit 410 stores various service applications for financial transactions, various screen information and voice guidance information necessary for the procedure of creating a service application, and personal information and financial information of a customer.

The data storage unit 410 stores the electronic documented service application prepared by the customer, and voice recording information and image information of the customer related to the service application. At this time, the information is preferably stored encrypted. Screen information and voice guidance information will be described later.

In addition, the data storage unit 410 includes screen information of various service menu items. For example, service menu items may consist of a main menu or submenus. For example, the main menu may include the following items: 1. personal customer, 2. corporate customer, 3. foreign exchange business, 4. card issuance and franchise opening, 5. real estate sale and subscription, 6. cash deposit and withdrawal slip.

1. The personal customer menu is a menu item for applying for opening of new bank account, deposit trust, internet banking, and loan service. 2. The corporate customer menu is a menu item for performing B2B electronic payment, internet banking, premium banking, and loan service. 3. The foreign exchange business menu is a menu item for performing currency exchange and remittance, import / export business, and travel study services. 4. Card issuance application, merchant opening menu is a menu item for applying for various card issuance and merchant opening services. 5. Real estate sales and subscription menus are menu items for the services of real estate sales and subscriptions. 6. Cash entry and withdrawal slip This menu item is used to create or print out a slip that is created at the time of cash withdrawal.

The service application processor 420 provides the tablet terminal 100 with screen information stored in the data storage unit 410 to allow the customer to prepare an electronic documented service application.

In addition, the service application processing unit 420 transmits various voice guidance information stored in the data storage unit 410 to the tablet terminal 100 to guide the customer kindly during the process of creating an electronic documented service application. to provide.

When the customer completes the service application, the service application processing unit 420 searches for whether the service application form created by the customer is completed correctly, and confirms to the customer whether the items of the service application are correctly written through the voice guidance.

At this time, the service application processor 420 records the voice statement and the video of the customer and stores it in the data storage unit 410. Voice statements and video recordings of customers are obtained by the camera module 130 and the microphone 150 provided in the tablet terminal 100.

Thereafter, the service application processor 420 performs a process of scanning the resident registration card of the customer, receives the resident registration card scanned image from the tablet terminal 100, and stores the scanned image of the resident registration card in the data storage unit 410.

When all procedures are completed, the service application processor 420 opens an account and issues a bank account to the customer in conjunction with the financial transaction processor 440.

The encryption processing unit 430 encrypts the service application generated by the tablet terminal 100. At this time, the customer's voice statement and video are also encrypted. In addition, various authentication information of the customer may be encrypted.

The financial transaction processing unit 440 performs various services for financial transactions. For example, new bank account issuance, cash card issuance application, telebanking application, Internet banking application, mobile banking application may be a job.

The network interface 450 performs communication with the tablet terminal 100.

The authentication processing unit 460 performs authentication according to various financial services and service application forms of customers.

5 is a flowchart illustrating a procedure of generating a financial transaction application in the financial transaction application electronic documenting system according to the present invention.

The server 400 executes a service application creation process (S1). Accordingly, the server 400 provides basic screen information to the tablet terminal 100. Accordingly, a basic screen is displayed on the display module 110 of the tablet terminal 100. The basic screen includes various service menu items. The service menu items may consist of a main menu or submenus. For example, the main menu may include 1. individual customer, 2. corporate customer, 3. foreign exchange business, 4. application for card issuance and franchise opening, 5. real estate sale and subscription, and 6. cash withdrawal slip.

1. The personal customer menu is a menu item for applying for opening of new bank account, deposit trust, internet banking, and loan service. 2. The corporate customer menu is a menu item for performing B2B electronic payment, internet banking, premium banking, and loan service. 3. The foreign exchange business menu is a menu item for performing currency exchange and remittance, import / export business, and travel study services. 4. Card issuance application, merchant opening menu is a menu item for applying for various card issuance and merchant opening services. 5. Real estate sales and subscription menus are menu items for the services of real estate sales and subscriptions. 6. Cash entry and withdrawal slip This menu item is used to create or print out a slip that is created at the time of cash withdrawal.

When the customer selects a menu using the tablet module 120 while the basic screen is displayed on the display module 110 of the tablet terminal 100, the server 400 displays the service screen of the menu. Mark on. In addition, the server 400 sends a guide voice to the tablet terminal 100 for the corresponding service screen. Accordingly, the voice guidance of the service screen is output through the speaker 140 of the tablet terminal 100. For example, "Hello, I'll do our best. You have selected the Personal Customer menu item. In the Personal Customer menu item, you can apply for a new bank account, deposit trust, Internet banking, and loan service. Please select "voice guidance comment may be output.

Accordingly, when the customer selects, for example, a bankbook new and old application for registration menu using the tablet module 120, the server 400 provides the tablet terminal 100 with a personal information creation screen for writing personal information of the customer. (S2). Accordingly, the tablet terminal 100 displays a personal information creation screen on the display module 110. The customer writes customer personal information using the tablet module 120 provided in the tablet terminal 100. Customer personal information includes social security number, home address, home phone number, work address, work phone number, mobile phone number, e-mail, wedding anniversary, family relationship, home ownership, various financial status information, hobby information. In addition, the server 400 through the speaker 140, for example, "We will fill out a service application for opening a customer account. First, please fill out your valuable information inside the thick line of the application." Outputs a guide voice for creating customer information.

The customer writes his or her name, social security number, address, telephone number, etc. by handwriting on the tablet module 120 using the electronic pen provided next to the guide voice, and then writes a signature. Handwriting input by the tablet module 120 is processed as an image and stored in the service application as it is. If the customer wants to correct during the writing, the tablet module 120 may be corrected using a correction function provided separately. After the customer completes his or her personal information, for example, the user selects a confirmation button provided at the lower portion of the screen through the tablet module 120 to notify that the personal information is completed. When the customer operates the OK button, the server 400 retrieves whether the service application form created by the customer is correctly completed. Whether a service application form is completed correctly may be determined, for example, by looking at the service application to see if there is a space left for the entry to be filled out.

If it is determined that the service application form is completed correctly, the server 400 checks whether or not the information described in the service application is correct through the oral statement of the customer (S3). To this end, the server 400 checks the contents of the service application to the customer through the voice guidance through the speaker 140. For example, say, "I'll check the information on the service application from now on. I'll record your voice and video during the verification process. Please respond according to the instructions." In addition, the camera module 130 is activated. When the camera module 130 is activated, an image of a customer photographed through the camera module 130 is displayed on the display module 110. The server 400 activates the camera module 130 and performs voice guidance for the next step. For example, "I'll start now. Your name is OOO. Is that correct?" If the customer answers "yes" to this, the server 400 proceeds to the next question. However, if the customer answers "no", then they will proceed to complete the service application again. After checking the name of the customer, the server 400 reads the address, telephone number, and the like, and asks the customer through the voice guidance whether the corresponding items are correct. As such, you will proceed to agree. The customer's statements are input through the microphone 150 and stored along with the voice guidance question of the server 400 during this series of procedures. In addition, the image input through the camera module 130 is also stored. When the confirmation of the items of the service application is completed, the server 400 assigns and encrypts a series of numbers to the service application prepared by the customer so that no further changes are made. If there is a change, the details of the change are stored as separate information. Then, the server 400 outputs a voice prompt for placing the customer's ID card on the scanner module 220 to scan the ID card through the speaker 140 (S4). Accordingly, the customer places his or her ID card on the scanner module 220. The server 400 drives the scanner module 220 and scans the ID card of the customer and stores it as an image.

The server 400 authenticates the customer by using the service application form and the ID card scan information created by the customer, and opens an account with the customer if there is no error.

When the account opening is completed, the server 400 voicely informs that the account opening is completed, and performs a voice guidance asking whether to proceed with the additional work (S5). Additional services may include a cash card issuance application (S6), telebanking application (S7), internet banking application (S8), mobile banking application (S9), and the like.

Accordingly, when the customer selects the corresponding task using the tablet module 120, the server 400 performs the corresponding task and displays the service application for the application of the corresponding service on the display module 110. Accordingly, the customer fills in the blanks of the service application using the tablet module 120 and then writes a signature. Handwriting input by the tablet module 120 is processed as an image and stored in the service application as it is. If the customer wants to correct during the writing, the tablet module 120 may be corrected using a correction function provided separately. After the customer completes his or her personal information, for example, the user selects a confirmation button provided at the bottom of the screen through the tablet module 120 to notify that the personal information is completed. When the customer operates the OK button, the server 400 retrieves whether the service application form created by the customer is correctly completed. Whether the service application form has been completed correctly can be determined, for example, by whether the fields on the service application must be filled out.

If it is determined that the service application form is completed correctly, the server 400 assigns and encrypts a series of numbers to the service application prepared by the customer so that no further changes are made. If there is a change, the details of the change are stored as separate information.

The server 400 authenticates the customer using the service application form created by the customer, and if there is no abnormality, the server 400 registers the customer with cash card, telebanking, internet banking, mobile banking, etc. according to the corresponding task. do. Upon completion of registration, the clerk tells the clerk to issue a bank account to the clerk and provides the IC chip required for the cash card, security card or mobile banking (S10).

In addition, the server 400 may obtain and store various authentication information of the user according to the operation policy of each branch. To this end, the server 400 includes an IC card reader module 211, a SAM socket module 212, an RF reader module 213, a number input module 214, a biometric information input module 215, and an electronic seal. The input module 216, the digital signature input module 217, and the barcode reader 218 may receive and store customer authentication information.

As described above, although the present invention has been described by way of limited embodiments and drawings, the present invention is not limited to the above-described embodiments, which can be variously modified and modified by those skilled in the art to which the present invention pertains. Modifications are possible. Accordingly, the spirit of the present invention should be understood only by the claims set forth below, and all equivalent or equivalent modifications thereof will belong to the scope of the present invention.

1 is a block diagram of a financial transaction application electronic documentation system according to the present invention.

Figure 2 is a block diagram of a tablet terminal in the financial transaction application electronic documentation system according to the present invention.

3 is a block diagram of an additional terminal in a financial transaction application electronic documenting system according to the present invention;

4 is a configuration block diagram of a server in the financial transaction application electronic documentation system according to the present invention.

5 is a flow chart showing a procedure for generating a financial transaction application in the financial transaction application electronic documentation system according to the present invention.

<Description of the symbols for the main parts of the drawings>

100: tablet terminal 110: display module

120: tablet module 130: camera module

140: Speaker 150: Microphone

160: interface unit 200: additional terminal

210: authentication information input module 200: scanner module

230: printer module 300: branch terminal

400: server 410: data storage

420: service application processing unit 430: encryption processing unit

440: financial transaction processing unit 450: network interface unit

460: authentication processing unit 500: network

Claims (10)

A tablet terminal configured to enable handwriting input of a customer and acquisition of audio and video; Including a server that works with the tablet terminal, The server is A data storage unit for storing a service application form for a financial transaction, an electronic documented service application, screen information and voice guidance information necessary for the procedure for generating the electronic documented service application, and customer personal information and financial information; , A service application processing unit for providing the screen information and the voice guidance information stored in the data storage unit to the tablet terminal to allow a customer to prepare an electronic documented service application; A financial service subscription electronic documentation system comprising a network interface for communicating with the tablet terminal. The method according to claim 1, And the data storage unit further includes voice recording information and image information of a customer associated with the electronic documented service application. The method according to claim 1 or 2, The electronic documented service application is encrypted financial services application electronic documentation system. The method according to claim 1, And the screen information includes screen information of service menu items. The method of claim 4, wherein the service menu items An electronic documentation system for financial services applications comprising items for performing at least one of services of individual clients, corporate clients, foreign exchange operations, card issuance applications and franchise openings, real estate sales and offers, and cash deposit and withdrawal slips. The method according to claim 1, And a cryptographic processing unit for encrypting the generated service application. The method according to claim 1, And handwriting input of the customer inputted by the tablet terminal is imaged and stored in the service application form. A method of performing a financial service application electronic document in a financial service application electronic document system including a tablet terminal configured to enable a customer's handwriting input, audio and video acquisition, and a server interoperating with the tablet terminal, Providing, by the server, basic screen information for a financial transaction service to the tablet terminal; When the customer selects a menu item that requires a service application form while the basic screen is displayed on the tablet terminal, the server requests the service form electronically documented on the tablet terminal so that the customer can write the service application by manual input. Providing screen information and voice guidance information for creating a; And receiving and storing, at the tablet terminal, the electronic documented service application prepared by the customer's handwriting input at the tablet terminal. The method according to claim 8, The handwriting input of the customer inputted by the tablet terminal is imaged and stored in the service application electronic document application method. The method according to claim 8, And encrypting and storing the generated service application.

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