KR20090036624A

KR20090036624A - Method and system for processing financial business by using picture telephone call

Info

Publication number: KR20090036624A
Application number: KR1020070101748A
Authority: KR
Inventors: 김동명
Original assignee: 주식회사 신한은행
Priority date: 2007-10-10
Filing date: 2007-10-10
Publication date: 2009-04-15

Abstract

The present invention relates to a financial business processing method and system using a video call. The financial business processing system using a video call according to the present invention, when a call connection for a financial transaction between a customer video call mobile phone and a financial server is performed. A video receiving means for receiving a customer video from a customer video call mobile phone, video output means for outputting the received customer video to an employee terminal connected to the customer video call mobile phone, and the employee in a predetermined area on the customer video call mobile phone. And image output processing means for processing the financial transaction details (or marketing information) of the customer to be output to a certain region other than the region where the employee image is output or the region where the employee image is output. .

Description

Method and system for processing financial business using video call {Method and System for Processing Financial Business by Using Picture Telephone Call}

1 illustrates a configuration of a financial business processing system using a video call according to an embodiment of the present invention.

2 is a diagram illustrating an information registration system for processing a banking service using a video call according to an embodiment of the present invention.

3 is a diagram illustrating an information registration process for banking processing using a video call according to an embodiment of the present invention.

4 is a diagram illustrating a financial business system configuration using a video call according to an embodiment of the present invention.

5 is a diagram illustrating a financial business processing method using a video call according to an embodiment of the present invention.

100: information registration server 105: financial company server

215: information storage unit 220: storage medium

420: image receiving unit 425: image outputting unit

430: Image acquisition unit 435: Authentication processing unit

440: an image transmission processor

According to the present invention, when a call connection is established for a financial transaction between a customer video call mobile phone and a financial server, video receiving means for receiving a customer video from the customer video call mobile phone, and the received customer video is connected to the customer video call mobile phone. An image output means for outputting to an employee terminal, the image of the employee in a predetermined region on the customer video call mobile phone, a predetermined region other than the region in which the employee image is output, or a region in which the employee image is output; It relates to a financial business processing system using a video call comprising a video output processing means for processing such that the financial transaction details (or marketing information) of the output.

Telebanking is a representative non-face-to-face financial transaction service using a telephone, and the volume of financial transactions is increasing day by day.

However, in order to use such a telebanking, the customer requires some cumbersome authentication and financial transactions, such as entering a social security number, entering a account number, and entering a password, and also causes problems such as making a mistake in the input process. In addition, there are inconveniences in listening to financial transactions only by voice.

An object of the present invention for solving the above problems is the step of receiving a customer image from the customer video call mobile phone when the call connection for the financial transaction between the customer video call mobile phone and the financial server in the video receiving means, and in the video output means Outputting the received customer image to an employee terminal connected to the customer video call mobile phone; and other than the area where the employee image and the employee image are output in a predetermined region on the customer video call mobile phone by the image output processing means. It provides a financial business processing method using a video call comprising the step of processing to output the financial transaction details (or marketing information) of the customer in a certain region or a region of the employee image is output.

The financial business processing system using a video call according to the present invention includes a video receiving means for receiving a customer image from the customer video call mobile phone when a call connection for a financial transaction between the customer video call mobile phone and the financial server is performed. A video output means for outputting a customer image to an employee terminal connected to the customer video call mobile phone; and a predetermined area or the employee other than an area where the employee image and the employee image are output to a predetermined area on the customer video call mobile phone. And an image output processing means for processing the financial transaction details (or marketing information) of the customer to be output to a portion of the region where the image is output.

According to the present invention, information storage means for linking and processing the customer image information and the customer information stored in a storage medium, and image acquisition means for obtaining a customer image from the customer image output to the employee terminal connected to the customer video call mobile phone And authentication processing means for authenticating the customer by comparing the obtained customer image with the customer image previously stored in the storage medium.

On the other hand, the financial business processing method using a video call according to the present invention, if the call connection for the financial transaction between the customer video call mobile phone and the financial server in the video receiving means, receiving the customer video from the customer video call mobile phone; And outputting the received customer image from an image output means to an employee terminal connected to the call of the customer video call mobile phone. And processing to output the financial transaction details (or marketing information) of the customer in a certain area other than the output area or a part of the area in which the employee image is output.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if 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 will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

1 is a block diagram of a financial business processing system using a video call according to an embodiment of the present invention.

In more detail, in FIG. 1, when a predetermined customer processes a financial business using a predetermined video call mobile phone, the image of the customer is output to an employee terminal connected to the video calling mobile phone of the customer, and the output customer video Authenticating the customer through a video call mobile phone of the customer, and an image of an employee corresponding to the employee terminal in a predetermined region on the video call mobile phone of the customer, and a predetermined region other than the region in which the employee is output, or a region in which the employee image is output; The financial business processing system configuration for outputting and processing the financial transaction details (or marketing information) requested by the authenticated customer to, if the person having ordinary knowledge in the technical field to which the present invention belongs, shown in FIG. Refer to or modify the configuration of the financial business processing system for the financial business processing system configuration using the video call. Although various implementation methods may be inferred, the present invention is characterized by including all the implementation methods inferred, and is not limited to the financial business processing system configuration shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, in the financial business processing system, a predetermined customer terminal is connected to a server on an information registration system through a predetermined network means to process a financial business service using the video call. An information registration server 100 for connecting and storing the customer information and the customer image information provided from the customer terminal in the server and providing the customer information and the customer image information including at least one, and a predetermined customer image. When a call is connected to a mobile phone, a financial company that receives a video of a predetermined customer through the video call mobile phone, processes the authentication work of the customer through the received video of the customer, and processes the financial business of the authenticated customer. The server 105 and a customer who uses the video call open a financial account for a financial transaction. Characterized in that it comprises at least one financial system.

The information registration server 100, a predetermined customer terminal is connected to the server on the information registration system through a predetermined network means to process the financial business service using the video call at least one or more customer information and customer image information Including the provided, characterized in that the server and the customer information provided from the customer terminal and the customer image information linked to store the information, the preferred method for the information registration system including the information registration server 100 2 will be described in detail.

The financial institution server 105 is a predetermined financial institution server 105 connected to a call for at least one customer video call mobile phone with a financial service based on a CDMA / WCDMA / HSDPA or VoIP communication network. When connected, the customer video call mobile phone receives a video of a predetermined customer and financial service request information requested by the customer, processes the authentication work of the customer through the received customer video, and from the authenticated customer Process the financial service corresponding to the received financial service request information and display the video of the employee in charge of the financial service of the customer and the financial transaction details (or marketing information) for the financial service requested by the customer on the customer video call mobile phone. Characterized in that it outputs, the preferred room for the financial business system including the financial company server 105 Method will be described in detail by showing in the figure 4.

The financial system stores and operates ledger information corresponding to a financial account of a customer who uses a video call for a predetermined financial transaction, and receives or trusts or credits generated from at least one branch (or window). An interconnection between an accounting system that handles window services, such as foreign exchange, an information system that processes headquarters operations, branch office information support and customer information management, and the financial system and at least one other financial system (or payment system); or Access to the financial system from at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) provided on at least one external communication network, or at least one common Various financial transaction interfaces through a network (eg CD common network, financial common network) It is characterized in that it is provided with an external system, and the financial system further comprises an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and each of the components in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing predetermined information (for example, ledger information, customer information, or management information) required for functioning. do.

In FIG. 1, the financial business processing system is illustrated and described as an information registration server 100 and a financial company server 105. However, the present invention is not limited thereto. In the present invention, the financial business processing system includes one server ( Or a device) or at least two or more servers (or devices), and may be implemented in a separate server form for each component constituting each of the servers shown above according to the intention of a person skilled in the art. It is obvious.

2 is a diagram illustrating an information registration system for banking processing using a video call according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates that a predetermined customer terminal accesses a server on an information registration system through a predetermined network means to include at least one customer information and customer image information in order to process a financial service using the video call. When the customer identification information is provided, the server relates to an information registration system configuration for storing the customer identification information provided from the customer terminal in association with the storage medium 220 provided on the information registration system, the present invention, Those skilled in the art will be able to infer various implementation methods for the configuration of an information registration system for banking processing using the video call by referring to or modifying the present invention. Including all implementation methods inferred, only the implementation method shown in FIG. Not limited to.

Hereinafter, components corresponding to at least one or more means or functional configuration for storing customer identification information provided from the customer terminal on the storage medium 220 on the information registration system shown in FIG. (100) ".

Referring to FIG. 2 according to an embodiment of the present invention, an information registration system for processing a banking service using a video call according to the present invention includes at least one customer terminal connected to a predetermined network means, and transmitted from the customer terminal. A storage medium 220 for cooperatively storing and storing customer identification information, and a storage medium 220 connected to the customer terminal through a predetermined network means, and receiving customer identification information transmitted through the network means. Characterized in that it comprises an information registration server 100 to process the stored in association.

The customer terminal registers the information through a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) or cable communication network). A mobile terminal including at least one wired terminal including a desktop computer or a notebook computer connected to the server 100 or a code division multiple access (CDMA) based mobile communication network (or HSDPA based high speed downlink packet access) A wireless terminal including at least one mobile communication terminal connected to a communication network), a portable Internet terminal connected to an IEEE 802.16x based high-speed wireless Internet, or a wireless LAN terminal connected to an IEEE 802.11x based wireless LAN network. Characterized in that it comprises one or more, wherein the customer terminal provided by the information registration server 100 Outputs at least one interface screen, and is provided with a function configuration (eg, a browser program and a communication function) for inputting or selecting at least one information through the interface screen and transmitting the selected information to the information registration server 100. It is preferable.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the customer terminal corresponding to at least one or more wired terminals or wireless terminals, so a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the customer terminal is a wired terminal, the network means comprises the TCP / IP based wired communication network, and when the customer terminal is a wireless terminal, the network means is the CDMA based (Or HSDPA based) mobile communication network, or IEEE 802.16x-based high-speed wireless Internet, or IEEE 802.11x-based wireless communication network is preferably made of at least one or more.

The storage medium 220 provided on the information registration system according to the present invention is characterized in that the customer identification information transmitted from the customer terminal to store the connection information, the customer identification information is the customer information and customer image information It is preferable to comprise at least one or more.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who registers the customer identification information, and company information (eg, advertisement) of the advertisement company to which the customer belongs. Company name, business number, corporation number, advertising company's homepage address, advertising company's phone number, advertising company's address, advertising company's email address, etc., and the member's member information (e.g., At least one member ID / PW information, a CIF (Customer Information File) number, etc. generated in correspondence with the customer by signing up as a financial transaction customer of the linked financial institution is preferably included.

The customer image information is image information for authenticating the user of the financial service of the customer when the customer uses the video call for financial service, and the image or ID card of the customer (eg, resident registration card, driver's license, passport, various certificates, etc.) It is preferable to include at least one scan image and at least one image of the customer's ID photo, etc. The image information registered by the customer is image file information such as bmp, jpg, png, gif, mov, avi, wma, mpeg It is possible to use video file information such as, mpg, mms, rm and flash file information such as flv and swf, but the present invention is not limited thereto.

According to an embodiment of the present invention, the customer may register one or more pieces of the plurality of customer image information, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 100 connects and manages a predetermined communication channel with the customer terminal through the network means in order to provide a web interface corresponding to the customer terminal and the network means. It characterized in that it comprises an interface unit 200, whereby the information registration server 100 has a function of a web server that is connected to communicate with the customer terminal via a wired or wireless communication network.

According to an embodiment of the present invention, when the customer terminal is a wired terminal to which a communication channel is connected through a TCP / IP based wired communication network, the interface unit 200 is connected to the customer terminal with a Hyper-Text Transfer Protocol (HTTP). Connect a predetermined communication channel based on a protocol, and transmit and output an interface screen or an information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document to the customer terminal through the communication channel, and output from the customer terminal. It is preferable to perform a function of receiving and processing predetermined customer identification information input (or selected) through the interface screen.

According to another exemplary embodiment of the present invention, when the customer terminal is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 200 is connected to the customer terminal with a WAP (Wireless Application Protocol) or ME ( Connect a predetermined communication channel based on the Mobile Explorer protocol, and transmit and output an interface screen or an information providing screen in the form of a WML (Wireless Markup Language) or HTML compatible document to the customer terminal through the communication channel, and output the It is preferable to perform a function of receiving and processing predetermined customer identification information corresponding to the interface screen from a terminal.

According to another exemplary embodiment of the present invention, when the customer terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 200 conforms to the customer terminal and the IEEE 802.16x standard. A predetermined communication channel is connected based on a corresponding wireless protocol, a predetermined interface screen or an information providing screen is transmitted to the customer terminal through the communication channel, and is output. The predetermined communication screen corresponds to the interface screen. It is preferable to perform a function of receiving and processing customer identification information, or when the customer terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless communication network, the interface unit 200 is connected to the customer terminal. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.11x standard, and Transmission and outputting a predetermined interface screen or display information provided by the client terminal over a communication channel, and it is preferable to carry out the function of receiving the predetermined processing of the customer identification information corresponding to the display interface from the customer terminal.

Referring to FIG. 2, when the predetermined customer terminal is connected to the information registration server 100 through the interface unit 200, the information registration server 100 works in conjunction with the interface unit 200. An interface providing unit 205 for generating (or extracting) a predetermined interface screen for inputting (or selecting) and transmitting predetermined customer identification information from the client terminal in connection with the interface unit 200. An information receiving unit 210 for receiving customer identification information input (or selected) through the interface screen and an information storage unit for storing the received customer identification information in association with the storage medium 220 and storing the received customer identification information; Or information storage means) 215.

The interface providing unit 205 has a function configuration (eg, a browser program provided in the customer terminal) provided in the customer terminal when a predetermined customer terminal is connected to the information registration server 100 through the interface unit 200. A predetermined interface screen capable of inputting (or selecting) predetermined customer identification information to the information registration server 100 through the network means or extracting from a predetermined database (not shown). In addition, the interface screen 200 is provided with the generated (or extracted) interface screen to the customer terminal through the network means.

Thereafter, the customer terminal inputs (or selects) predetermined customer identification information based on the interface screen, and when it is confirmed that the customer identification information has been input (or selected), the customer terminal receives the user information through the network means. The input (or selected) customer identification information is transmitted to the information registration server 100.

Those skilled in the art to which the present invention pertains, the technical feature of the customer terminal to input (or select) the customer identification information through at least one form (Form) included in the interface screen, and Since it will be familiar with the technical feature of transmitting the input (or selected) customer identification information to the information registration server 100 through a communication protocol provided by the network means, a detailed description thereof will be omitted for convenience.

The information receiving unit 210 inputs (or selects) predetermined customer identification information through the interface screen at the customer terminal and transmits the customer identification information in cooperation with the interface unit 200 when transmitting the information through the network means. And receiving the received customer identification information to the information storage unit 215.

The information storage unit 215 is characterized in that the customer identification information received through the information receiving unit 210 to process the stored in the storage medium 220, the customer identification information is the customer information and the customer image It is preferable to include at least one information.

The customer image information is image information for authenticating the user of the financial service of the customer when the customer uses the financial service using a video call, and the image of the customer's identification card (eg, resident registration card, driver's license, passport, various certificates, etc.) Or at least one identification card scan image and at least one ID photo image of the customer. Image information registered by the customer includes image file information such as bmp, jpg, png, and gif and mov, avi, wma. It is possible to use video file information such as, mpeg, mpg, mms, rm and flash file information such as flv and swf, and the present invention is not limited thereto.

In more detail, FIG. 3 shows that when a customer terminal on the information registration system shown in FIG. 2 transmits customer identification information for banking processing using a video call to the information registration server 100 through a predetermined network means, The process of storing the information on the storage medium 220 by linking the customer identification information in the information registration server 100, if one of ordinary skill in the art to which the present invention belongs, see FIG. It is possible to infer various implementation methods for the information registration process for the banking process using a video call by modifying, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG. No.

Hereinafter, in FIG. 3, the information registration server 100 on the information registration system shown in FIG. 2 is called "server" for convenience, and the customer terminal on the information registration system shown in FIG. 2 is called "terminal" for convenience.

Referring to FIG. 3, a terminal on the information registration system shown in FIG. 2 accesses the server through the network means and connects a communication channel for banking processing using a video call (300).

According to the exemplary embodiment of the present invention, the communication channel connection process may further include at least one process of logging in to the server from the terminal, or registering to the server from the terminal. In the customer information corresponding to the terminal is extracted (or obtained).

Those skilled in the art to which the present invention pertains may use the video call by accessing the server according to a communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means. You will be familiar with the technical features of connecting the communication channel for banking process, detailed description thereof will be omitted for convenience.

When the communication channel for the banking process using a video call is connected between the terminal and the server as described above, the terminal requests an interface screen for the banking process using the video call to the server through the communication channel ( 305), correspondingly, the server generates (or extracts) an interface screen including a user interface for inputting (or selecting) the customer identification information in the terminal (310), and generates (or extracts) the interface. The screen is transmitted to the terminal through the communication channel (315).

Thereafter, the terminal processes 320 to input (or select) the customer identification information through the user interface included in the interface screen for inputting (or selecting) the customer identification information.

If the customer identification information is input (or selected) in the terminal (325), the terminal transmits the customer identification information to the server through the communication channel (330), and correspondingly the server receives the received The customer identification information is linked and stored in the storage medium 220 shown in FIG. 2 (335).

Preferably, the customer identification information includes at least one of customer information and customer image information.

The customer image information is image information for authenticating the user of the financial service of the customer when the customer uses the financial service using a video call, and the image of the customer's identification card (eg, resident registration card, driver's license, passport, various certificates, etc.) Or at least one identification card scan image and at least one identification photo image of the customer. The image information registered by the customer may include image file information such as bmp, jpg, png, gif, mov, avi, etc. It is possible to use video file information such as, wma, mpeg, mpg, mms, rm and flash file information such as flv, swf, and the like, but the present invention is not limited thereto.

In more detail, Figure 4 is connected to a predetermined customer video call mobile phone in the financial business system, the customer video call mobile phone receives the financial transaction request information for processing the customer's financial business services and the customer's video And a financial service system configured to perform a financial service service authentication operation and a financial transaction history of the customer through the received image of the customer, and a person having ordinary knowledge in the technical field to which the present invention belongs. By referring to or modifying the financial business system configuration shown in FIG. 4, various implementation methods for the financial business system configuration using the video call may be inferred, but the present invention is not limited to the financial business system configuration shown in FIG.

Referring to FIG. 4, the financial business system receives the financial transaction request information and the video signal of the customer for processing the financial business service of the customer through the customer video call mobile phone, and receives the received financial transaction request information and the customer's video signal. The financial company server 105 which performs authentication processing and financial business transaction processing of the financial business customer through the video information, and the customer video call mobile phone is connected to FIG. 2 to use the financial business service using the video call. A storage medium 220 including at least one or more customer information and customer image information registered in the illustrated information registration server 100 and a financial transaction of the customer video call mobile phone in connection with the financial company server 105. Characterized in that it comprises a financial system for performing various banking processing and ledger processing for performing .

The customer video call mobile phone has a call processing function for connecting at least one voice call channel through a predetermined wireless communication network, a dual tone multi-frequency (DTMF) scheme or data communication based on the voice call channel. It is characterized in that it is provided with a function for transmitting at least one cash receipt processing request information to the financial company server 105.

Those skilled in the art to which the present invention pertains include a call processing function or a video call processing function for connecting the voice call channel in the CDMA / WCDMA / HSDPA-based wireless communication network or the wireless VoIP communication network; Since it will be familiar with the technical features of various terminals having a financial transaction request information transmission function based on a complex frequency code method or a data communication and a video transmission function of a customer, a detailed description thereof will be omitted for convenience.

Referring to FIG. 4, the financial company server 105 includes a call channel connection unit 400 for connecting a call channel for the customer's financial service from the customer video call mobile phone to process the customer's financial service. When the call is connected to the customer video call mobile phone through the call channel connection unit 400, the video receiving unit (or video receiving means) 420 for receiving the video of the customer from the customer video call mobile phone and the received customer image An image output unit (or image output means) 425 for outputting to the employee terminal connected to the customer video call mobile phone and the image acquisition unit for obtaining a customer image from the customer image output to the employee terminal connected to the customer video call mobile phone (Or an image acquiring means) 430, the acquired customer image and the customer image previously stored in the storage medium 220 is compared An authentication processing unit (or authentication processing means) 435 for authenticating the customer, a financial transaction processing unit (or financial transaction processing means) 445 for performing a financial transaction desired by the customer when the customer is authenticated; An image for processing the financial transaction details (or marketing information) of the customer to be output in a certain region other than the region in which the employee's financial transaction and the employee image are output in a predetermined region on the customer video call mobile phone. And an output processor (or image output processor) 440.

In addition, the financial company server 105 requests information for requesting the financial services of the customer to the customer video call mobile phone after the predetermined call channel is connected to the customer video call mobile phone by the call channel connection unit 400. A voice information providing unit 405 for providing at least one voice information, and predetermined customer financial transaction information (eg, a mobile phone number, a social security number, a business operator) for processing the customer's financial business service in the customer video call mobile phone. A DTMF processing unit 410 for reading a frequency of the received number upon receiving a number corresponding to a number, a financial account number, etc., and the customer financial transaction information (eg, a mobile phone number, a social security number) from the read numbers. It may be made to further include an information extraction unit 415 for extracting the business number, etc., according to the intention of the skilled person Providing unit 405 and the DTMF processing unit 410, and information extraction unit 415, and can skip, to which the present invention is not limited.

The call channel connection unit 400 connects and maintains a predetermined call channel with the customer video call mobile phone according to a call processing procedure defined in the wireless communication network. For this purpose, the call channel connection unit 400 is connected to the customer. It is preferable that the video call mobile phone is assigned a predetermined telephone number to which the call channel is connected through the call processing procedure.

In the technical field to which the present invention pertains, the call channel connection unit 400 connects a predetermined call channel with the customer video call mobile phone according to each call processing procedure corresponding to each wireless communication network. Since you will be familiar with the technical features to manage, a detailed description thereof will be omitted for convenience.

When a call is connected to the customer video call mobile phone through the call channel connection unit 400, the video receiver 420 may receive a video of the customer from the customer video call mobile phone.

The video output unit 425 outputs the received customer image to an employee terminal connected to the customer video call mobile phone. The employee terminal is connected to at least one image display device (eg, a monitor). It is preferable to receive an image of a customer, and the present invention is not limited thereto.

The image acquisition unit 430 may obtain a customer image from the customer image output to the employee terminal connected to the customer video call mobile phone, image capture, image pause, etc. by the method of obtaining the customer image image Although it is possible to infer the method of the present invention, it is preferable that the present invention includes all the inferable methods, and the present invention is not limited thereto.

The authentication processor 435 compares the obtained customer image with the customer image previously stored in the storage medium 220 to authenticate the customer.

When it is difficult to compare the image acquired by the image acquisition unit 430 and the customer image previously stored in the storage medium 220 according to an embodiment of the present invention, the employee terminal serves as the authentication processing unit 435. The employee may be able to omit, or the authentication processing unit 435 may be omitted according to the intention of those skilled in the art, and the employee may directly authenticate the present invention, and the present invention is not limited thereto.

When the customer is authenticated, the financial transaction processing unit 445 performs a financial transaction desired by the customer in connection with the financial system.

The image output processing unit 440 is a financial transaction history (or marketing) of the customer in a certain region other than the region in which the image of the employee in charge of the financial transaction of the customer and the employee image is output in a predetermined region on the customer video call mobile phone Information) is output.

The storage medium 220 is characterized in that the customer information and the customer image information is stored in association with each other, the customer information and customer image information stored in the storage medium 220 for the authentication process of the customer Is used.

The financial system is a financial institution in which a customer using the video call subscribes for financial services, and performs various banking processing and ledger processing for performing a financial transaction of the customer's video call mobile phone in connection with the financial company server 105. Characterized in that.

In more detail, when FIG. 5 is connected to a predetermined customer video call mobile phone in the financial business system shown in FIG. 4, the FIG. 5 includes financial transaction request information for processing a financial service service of a predetermined customer using the customer video call mobile phone. Receive the customer's video, perform the customer's financial business service authentication through the received customer's video, and if the customer is authenticated financial transaction details, etc. based on the financial business request information received from the customer's video call mobile phone A method of outputting an employee image connected to a call to the customer video call mobile phone and financial transaction details (or marketing information) of the customer to the customer video call mobile phone is performed.

Those skilled in the art to which the present invention pertains, refer to or modify the figure 5 to process the customer authentication from the financial company server 105 to the customer video call mobile phone, various processing of the customer's financial business The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 5, the customer video call mobile phone illustrated in FIG. 4 is referred to as a “terminal” for convenience, and the financial institution server 105 is referred to as a “server” for convenience.

Referring to FIG. 5, the terminal shown in FIG. 4 connects a call channel to the server according to a call processing procedure defined in a predetermined wireless communication network in order to process the financial services service (500).

The server receives the customer image of the terminal connected to the call (505).

The server outputs the received customer image to the employee terminal connected to the terminal (510).

An employee terminal connected to the received customer image by calling the customer video call mobile phone may include at least one image display device (eg, a monitor) to receive the image of the customer through the image display device. This is not limited by this.

According to an embodiment of the present invention, it is preferable to receive an image from the customer video call mobile phone and to transmit an employee video of an employee terminal connected to the customer video call mobile phone. For convenience of the present invention, the illustration is omitted. This is not limited by this.

The server acquires a customer image from the customer image output to the employee terminal (515), and compares the obtained customer image and the customer image stored in the storage medium 220 in connection with the storage medium 220 In operation 520, the customer is authenticated.

If the customer corresponding to the terminal is not authenticated (525), the server includes the customer authentication error information transmitted to the terminal and ends the financial business process using the video call (530).

According to an exemplary embodiment of the present invention, the financial business processing using the video call is terminated due to the failure of the customer authentication. However, when the customer authentication using the video call fails, telebanking using voice information and DTMF is performed. It is also possible to switch to the service mode to handle customer authentication and financial affairs, and the present invention is not limited thereto.

On the other hand, if the customer corresponding to the terminal is authenticated (525), receives the service request information for financial services from the terminal (535), and in connection with the financial system finance corresponding to the received financial service request information Process the task (540).

The server is connected to the terminal by calling the terminal in a certain region on the screen of the terminal to display the financial transaction details (or marketing information) of the customer in a certain region other than the region in which the image of the employee in charge of the customer financial transaction and the employee image is output. The output is processed (545).

According to the present invention, as the banking service using the video call is performed, the customer and the employee perform the financial transaction service while watching each other, so that the face-to-face financial transaction can be obtained using the non-face-to-face method. In addition, there is a convenience that does not have to perform a cumbersome input and verification work according to separate authentication work and financial transactions.

In addition, the customer was able to check the contents of the financial transaction service only by voice when using the existing telebanking, but by using the video call, there is an advantage that can directly verify the financial transaction processing procedures and details by eye.

Claims

Video receiving means for receiving a customer video from the customer video calling mobile phone when a call connection for a financial transaction between the customer video calling mobile phone and the financial server is established;

Image output means for outputting the received customer image to an employee terminal connected to the customer video call mobile phone;

The customer's financial transaction history (or marketing information) is displayed in a certain region of the employee's video call, a certain region other than the region in which the employee image is output, or a region in which the employee image is output, in a predetermined region on the mobile phone. And a video output processing means for processing to output the financial business processing system using a video call.

The method of claim 1,

Information storage means for linking and processing the customer image information and the customer information in a storage medium;

Image acquisition means for acquiring a customer image from the customer image output to the employee terminal connected to the customer video call mobile phone;

And the authentication processing means for authenticating the customer by comparing the obtained customer image with the customer image previously stored in the storage medium.

Receiving a customer image from the customer video call mobile phone when a call connection for a financial transaction between the customer video call mobile phone and the financial server is made in the video receiving means;

Outputting the received customer image from an image output means to an employee terminal connected to the customer video call mobile phone;

In the image output processing means, the financial transaction history of the customer is stored in a certain region other than the region in which the image of the employee and the staff image are output, or in a region in which the staff image is output. Or marketing information) to be outputted. The financial business processing method using a video call, characterized in that it comprises a.