KR20120103289A - Method and apparatus for processing work of bank counter using mobile device - Google Patents

Abstract

PURPOSE: A bank clerk operation processing method with a mobile terminal is provided to enable a bank server to receive bill data including transaction application contents from a mobile terminal of a client and to transmit the bill data to a business branch, thereby reducing a waiting time. CONSTITUTION: A client communication unit(110) mediates data exchange with a mobile terminal of a client. A bank communication unit(120) mediates data exchange with a bank server. A clerk operation bill receiver(130) receives bill data including transaction information. A visit notice receiving unit(140) receives a visit notice indicating that the client arrives at the bank. A personal information storage unit stores personal information and client information about clients of the bank. [Reference numerals] (110) Client communication unit; (120) Bank communication unit; (130) Clerk operation bill receiver; (140) Visit notice receiving unit; (150) Visit notice transmitting unit; (160) Storage unit; (162) Personal information; (164) Transaction result; (170) Transaction result transmitting unit

Description

{Method and apparatus for processing work of bank counter using mobile device}

The present invention relates to a financial transaction using a mobile terminal of a client, and more particularly, to a method and system for processing a bank teller service using a mobile terminal.

At the window of the bank branch, various reporting and certification-related tasks can be performed, as well as account-related transactions for the customer to directly find or deposit a deposit from the account, such as withdrawal and deposit. The customer visits the bank's branch office, fills out a transaction invoice for the window service, receives the receipt order number, assigns the receipt order number, waits for the turn of the transaction, and when the teller calls the customer's receipt order number, the customer goes to the teller window. You can submit a transaction invoice to an employee. The clerk can handle the customer's work while accepting and entering the customer's transaction invoice into the system.

Therefore, in order for a customer's bank teller to be performed, basically, the time required for the client to write a transaction invoice, the wait time for the order of processing according to the order of receipt, and the time for the teller to enter the transaction details into the system are required. .

As the Internet, wireless communication technology and related security technologies are developed, internet banking and mobile banking are actively being performed. However, banking transactions through Internet banking and mobile banking are limited to account-related deposit and withdrawal transactions. In addition, for Internet banking and mobile banking, credit information such as personal information and transaction information is transmitted and received through the Internet or wireless communication network, so as to verify the identity of the customer, such as the verification procedure of the official certificate OTP card Internet banking password for the security of credit information. Additional authentication means are needed.

The present invention discloses a method of making a reservation application for a window service in a bank branch using a mobile terminal based on an application installed in a mobile terminal, and a mobile terminal implementing the method. The bank service processing method and the bank server of the bank server for causing the bank sales office to process the window service on the basis of the transaction application contents for the window service to which the reservation is requested is started.

According to an embodiment of the present invention, a method in which a bank server processes a bank teller service using a mobile terminal of a client includes: a client having an application provided with an invoice interface for applying for at least one teller service of the bank; Receiving, from the mobile terminal of the invoice data, the invoice data including transaction information input for the invoice interface of the teller service selected by the client; Receiving, from the mobile terminal, a notification informing that the client arrives at a branch of the bank; And storing processing result data of the teller service processed at the branch office based on the bill data. The bank teller processing method using the mobile terminal of the client of the bank server according to an embodiment may further include transmitting the processing result data of the teller service of the client to the mobile terminal of the client.

According to an embodiment, a bank teller service capable of requesting and processing a reservation by using a mobile terminal of a client includes a bank withdrawal service and a deposit service, an accident report service, a certificate issue job, a customer information change job, a bill payment job, and a currency exchange job. It may include at least one of a visa fee payment service and a loan vault service.

According to an embodiment of the present invention, a method for processing a bank teller service using a mobile terminal of a client includes: executing an application for providing each billing interface for requesting at least one teller service of the bank; Displaying a billing interface for the window service selected by the client input on a screen of the mobile terminal; Based on the client input, generating invoice data including transaction information input for the invoice interface to apply for the selected teller service, and transmitting the invoice data to a bank server; And sending a notification to the bank server informing that the bank has arrived at a branch of the bank. The bank teller processing method using the mobile terminal of the client according to an embodiment may further include receiving the processing result data of the teller service of the client from the bank server.

According to an embodiment of the present invention, a bank server for processing a bank teller service using a mobile terminal of a client includes: a client communication unit for mediating data exchange with the mobile terminal of the client; An in-bank communication unit for mediating data exchange with servers of branch offices of the bank; Invoice data including transaction information input for the invoice interface of the counter office selected by the client from a mobile terminal of the client on which an application providing each invoice interface for applying for at least one counter service of the bank is installed. A window service bill receiving unit for receiving a; A shop notice receiving unit for receiving a notice indicating that the client arrives at a branch of the bank from the mobile terminal; A shop notification transmitter for transmitting a notice informing the arrival of the client to the server of the shop; A personal information storage unit for storing personal information and customer information for the clients of the bank; And a transaction result storage unit for storing processing result data of the teller service processed at the branch based on the invoice data from the branch server.

According to an embodiment of the present invention, a mobile terminal of a client for processing a bank teller service includes: a communication unit for mediating data exchange with a bank server; An application driver which executes an application providing each billing interface for applying for at least one teller service of the bank server, and uses a function of the application based on the input of the client to the interface of the application; A billing interface processor for calling a billing interface for the window service selected by the client input and displaying the billing interface on the screen of the mobile terminal; An invoice data processing unit for generating invoice data including transaction information input for the invoice interface to apply for the selected window service and transmitting the invoice data to the bank server based on the client input; And a bank visit notification unit for sending a notification to the bank server informing that the bank has arrived at the branch office.

The present invention includes a computer-readable recording medium having recorded thereon a program for computer-implementing a method for a bank server to process a bank teller service using a mobile terminal of a client according to one embodiment. The present invention includes a computer-readable recording medium having recorded thereon a program for computer-implementing a method for processing a bank teller service using a mobile terminal of a client according to an embodiment.

Since the bank server receives the invoice data including the transaction application contents from the client's mobile terminal and transmits the invoice data to the branch server, at the bank branch site, the transaction billing time and the waiting time for the customer can be reduced. In addition, since the branch office terminal can directly display the client's transaction application on the screen by using the invoice data received from the bank server, the process of inputting the application to the system according to the transaction bill is omitted. As a result, transaction processing time for customers and tellers can be saved.

In addition, in general, paper bills prepared and submitted by customers at bank branches are generally scanned and stored on the bank system. In some embodiments, the task of scanning paper bills may be omitted and paper bills may be saved. .

In addition, since the client only makes a reservation application for a bank teller using a mobile terminal, since the account transaction does not actually occur, unlike the Internet banking or mobile banking, there is no need for cumbersome procedures for strengthening the security such as checking the certificate. There is also little risk of leaking credit information.

When a client visits a bank branch to process a reserved window of business, the bank can effectively market by providing useful bank product information to the client using the personal credit information of the client secured in advance.

1 is a block diagram of a bank server for processing a bank teller service using a client mobile terminal according to an embodiment.
2 is a block diagram of a client mobile terminal for processing a bank teller service according to one embodiment.
3 is a schematic diagram of a method for processing a bank teller service using a client mobile terminal according to one embodiment.
4, 5, 6, 7 and 8 illustrate interfaces associated with a bank teller application of an application installed on a client mobile terminal according to one embodiment.
9 is a flowchart illustrating detailed operations of a client mobile terminal, a bank server, and a branch office terminal for processing a bank teller service, according to an exemplary embodiment.
10 is a flowchart illustrating a method of processing a bank teller service using a client mobile terminal by a bank server according to an exemplary embodiment.
11 is a flowchart of a method of processing a bank teller service of a client mobile terminal according to an embodiment.

1 to 11, an application for making a reservation request for a bank teller service according to an embodiment is disclosed, and a method for a client mobile terminal to request and process a bank teller service through a bank teller application application; In addition, the method in which the bank server processes the bank teller service of the client mobile terminal through the bank teller application application is described in detail.

1 is a block diagram of a bank server 100 for processing a bank teller service using a client mobile terminal according to one embodiment.

Bank server 100 according to an embodiment, the client communication unit 110, in-bank communication unit 120, the window work bill receiving unit 130, visit notification receiver 140, visit notification transmitter 150, storage unit And a transaction result transmission unit 170.

The client communication unit 110 according to an exemplary embodiment mediates communication between data transmitted from the bank server 100 to the client mobile terminal 200 and data received from the client mobile terminal 200. The client communication unit 110 is a client mobile terminal 200 according to a data communication method of a client mobile terminal 200 such as Wi-Fi (Wi-Fi, Wireless Fidelity), 3G, 4G, wired / wireless LAN, Internet, Wibro, or the like. And data can be exchanged.

The intra-bank communication unit 120 according to an embodiment mediates communication between data transmitted from the bank server 100 to servers and terminals of other branches of the bank and data received from the branch servers and the terminals.

In the client mobile terminal 200 according to an embodiment, a bank teller application application is provided that provides an invoice interface for applying for a bank teller service for the bank server 100. The bank teller application application according to an embodiment may be installed in the client mobile terminal 200 under agreement between the bank server 100 and the client. The client mobile terminal 200 according to an embodiment may apply to the bank server 100 to reserve a bank teller service through a bank teller application application.

The bank teller service, which can be booked through the bank teller application application, according to an embodiment, may include at least one of a withdrawal service and a deposit service, an accident report task, a certificate issue task, and a customer information change task. In addition, the bank teller service may include a utility bill payment service, a currency exchange service, a visa fee payment service and a loan safe deposit service that can be processed at the bank teller.

The window service bill receiving unit 130 receives the bill data generated through the bank window service application from the client mobile terminal 200. The bill data transmitted by the client mobile terminal 200 may be transferred to the counter service bill receiving unit 130 via the client communication unit 110.

The bill data according to an embodiment may include transaction information input to the billing interface of the teller service in order for the client mobile terminal 200 to apply for a reservation at the bank teller service. For example, the transaction information of the invoice data may include detailed information necessary for applying for a bank teller service such as an account number and a transaction amount of a client currently trading. The bill data according to an exemplary embodiment may include electronic stamp information capable of identifying the client, such as a seal image of the client.

The visit notification receiver 140 receives a notification from the client mobile terminal 200 informing that the client arrives at a branch of a bank. The visit notification of the client mobile terminal 200 may also be received through the client communication unit 110.

The visit notification transmitting unit 150 transmits a notification informing the server of the branch that the client has arrived at the branch. The branch office server or the branch terminal may prepare the client mobile terminal 200 to process the bank teller for which reservation is requested based on the visit notice of the client.

According to an embodiment of the present disclosure, the bank teller reservation application status of the client mobile terminal 200 is linked with the reception order system of the branch server, based on the client's visit notification transmitted to the branch server server, to the client mobile terminal 200. The order of receipt can be given to In addition, the reception terminal of the branch to handle the bank teller of the client among the terminals of the branch may be determined according to the order of receipt.

After the bank server 100 according to an embodiment transmits the visit notification of the client to the branch server, the bill data of the client mobile terminal 200 may be provided to the teller terminal. On the screen of the teller terminal, an invoice page corresponding to the invoice data and transaction information included in the invoice data can be displayed, and the teller terminal can process the bank teller service of the client based on the invoice data.

The storage unit 160 includes a personal information storage unit 162 for storing personal information and customer information for clients of the bank, and a transaction result storage unit 164 for storing transaction result data received from a branch server. do. The transaction result storage unit 164 according to an embodiment may receive and store the processing result data of the bank teller service processed by the branch server based on the bill data of the client mobile terminal 200.

The transaction result transmitting unit 170 may transmit the processing result data for the client's window service to the mobile terminal 200 of the client. The transaction result transmission unit 170 according to an embodiment receives a processing result data processed by a branch server or a branch terminal for a bank window service applied through a bank window business application application according to an embodiment, and receives a client. It may be delivered to the mobile terminal 200.

According to an exemplary embodiment, the bank server 100 may receive visit time information regarding a scheduled time at which a client arrives at a branch office together with bill data of a bank teller received from the client mobile terminal 200. For example, only when a visit notice of the client is received before a predetermined time elapses from the scheduled time based on the visit time information of the client, the bank teller service is based on the bill data received in advance from the client mobile terminal 200. Can be processed.

In addition, the bank server 100 according to an embodiment may receive, from the client mobile terminal 200, visit store information on a branch to be visited by a client together with bill data of a bank teller. For example, if the bank server 100 has previously agreed with the client to use the location information of the client mobile terminal 200, based on the location information of the client mobile terminal 200 and the visited store information of the client, the client The location information for the shop to visit may be transmitted to the mobile terminal 200.

The bank server 100 according to an embodiment may transmit not only the bill data of the bank teller service but also personal information or customer information of the client stored in the personal information storage unit 162 to the teller terminal. The client's personal or customer information may be used to introduce the bank product required to the client.

2 illustrates a block diagram of a client mobile terminal 200 for processing a bank teller service, according to one embodiment.

According to an embodiment, the client mobile terminal 200 includes an application driver 210, a communication unit 220, a bill interface processor 230, a bill data processor 240, a bank visit notification unit 250, and a transaction result receiver 260. ) And a display unit 270. The client mobile terminal 200 may include a smartphone, a mobile phone, a tablet PC, a notebook, a desktop, and an electronic device capable of wireless communication.

The application driver 210 executes a bank teller application application according to an embodiment. The application driver 210 according to an embodiment may selectively use a function that the bank teller application can provide, based on a client input to various interfaces of the bank teller application.

Through the bank teller application application according to an embodiment, at least one of a bill creation function, a receipt history confirmation function, a transaction history confirmation function may be performed.

The communication unit 220 mediates communication between data transmitted from the client mobile terminal 200 to the bank server 100 and data received from the bank server 100.

The bill interface processor 230 calls the bill interface for the counter service selected by the client input, among the bill interfaces provided by the bank teller application application. The called bill interface may be graphically processed by the bill interface processor 230 and displayed on the screen of the display unit 270 of the client mobile terminal 200.

For example, the invoice interface that the bank teller application can provide, the billing interface for the bank teller that can be booked through the bank teller application, that is, account withdrawal and deposit, accident reporting service It may include at least one of billing interfaces for certificate issuance, customer information change, bill payment, currency exchange, visa fee payment and loan safe deposit.

Based on the client input, as the billing item is selected in the initial interface, an interface in the form of an invoice for generating invoice data for at least one bank teller may be called.

In addition, based on the client input, as the receipt confirmation item is selected in the initial interface, an interface in the form of a receipt list for confirming the details received at the bank server through the bank teller application application may be called. Similarly, as the transaction confirmation item is selected in the initial interface, an interface in the form of a transaction list for confirming the processed transaction history based on the bill data may be called. The called interfaces may be graphically displayed on the screen of the display unit 270 of the client mobile terminal 200.

The invoice data processor 240 generates invoice data including the transaction information based on the transaction information input by the client to the invoice interface in order to apply for a bank teller service. The invoice data processing unit 240 transmits the invoice data to the bank server 100 in order to make a reservation for a bank teller.

The bill data processor 240 according to an embodiment may attach electronic stamp information, such as a seal image of the client, to the bill data. The seal imprint image may be used after being registered as the electronic seal information of the client for the bank teller application application. The imprint image of the client according to an embodiment may be an electronic image capable of authenticating the imprint of the client, including not only the electronic imprint information photographed and provided by the client, but also a scanned copy of the imprint of the client stored in the bank server. It may also encompass electronic images obtained in various ways.

The bank visit notifying unit 250 transmits a notification informing the bank server 100 that the client arrives at the bank branch.

The transaction result receiving unit 260 receives the processing result data for the counter service of the client from the bank server 100. The processing result data generated by processing the bank teller service based on the invoice data of the client mobile terminal 200 may be received. The received processing result data may be displayed on the screen of the display unit 270.

The client mobile terminal 200 according to an embodiment may transmit visit time information to the bank server 100. Since the effective time of the bill data received by the client mobile terminal 200 may be determined based on the visit time information, the client mobile terminal 200 notifies the branch office visit notice to the bank server 100 before the bill data becomes effective. It is desirable to transmit.

In addition, the client mobile terminal 200 according to an embodiment may transmit visit store information to the bank server 100. According to an embodiment, the client mobile terminal 200 may receive, from the bank server 100, location information of a visiting store, which the bank server 100 searches using the location information of the mobile terminal and the visit store information of the client. Can be.

3 is a schematic diagram of a method for processing a bank teller service using a client mobile terminal 200 according to an embodiment.

3 is largely comprised of the operation flowchart 300 of the client 350, and the operation flowchart 310 of the bank entity including the bank server 330 and the window terminal 340 of the bank branch. The smartphone 320 and the bank server 330 of the client 350 described with reference to FIG. 3 correspond to an example of the client mobile terminal 200 and the bank server 100, respectively.

Through the interaction between the client 350 and the banking subjects 330 and 340, a process of performing a bank teller through the bank teller application application according to an embodiment installed on the smartphone 320 is illustrated. Data communication between the smartphone 320 of the client 350 and the bank server 330 may be performed based on a Wi-Fi wireless data communication scheme.

The client 350 may write a bill for the bank teller service using the bank teller application application installed in the smartphone 320. Invoice data generated by the smartphone 320 is sent to the server (step 301). The bank server 330 may receive the bill of the client 350 by receiving the bill data from the smartphone 320 (step 302). The bank server 330 may notify the smartphone 320 of the client 350 that the receipt of the bill of the client 350 is completed.

The client 350 visits the bank branch and sends a visit notification to the bank server 330 to notify that the client 350 has visited the bank branch using a bank teller application application installed on the smartphone 320. May be step 303. The bank server 330 recognizes the visit of the client 350 and may notify the branch server server that the client 350 has visited the branch (step 304).

When the bank server 330 receives the visit notification from the smartphone 320 of the client 350, the bank server 330 uses the location information of the smartphone 320 to open a branch and a store visited by the client 350. You can recognize one fact. In this case, prior agreement is required between the client 350 and the bank so that the bank server 330 according to an embodiment may use the location information of the smartphone 320 of the client 350. In addition, the smart phone 320 may be notified that the client 350 has visited the shop and the fact that the shop has been visited.

As the visit notification of the client 350 is recognized by the corresponding branch, the client 350 may be assigned an order of receipt for the branch. The reception order number assigned to the client 350 through the bank teller application application may be individually assigned to the reception order number with the general visit customer for the bank branch, or may be given priority over the general visit customer.

When the turn of business processing of the client 350 is based on the receipt order of the client 350, the branch terminal 340 calls the client 350 and receives the bill data of the client 350 from the bank server 330. Thus, the transaction application can be displayed on the window terminal monitor 345 based on this (step 305).

In steps 306 and 307, the teller terminal 330 and the client 350 may check the transaction application contents displayed on the teller terminal monitor 345 together. In step 306, the client 350 may enter a password. If necessary, the reception order number may be entered together with the password. In step 307, the teller terminal 330, if it is confirmed that the password and the receipt number of the client 350 is valid, can process the bank teller corresponding to the received bill data. For example, if the invoice data of the withdrawal service is received from the smartphone 320 of the client 350, the teller terminal 330 may process the withdrawal service based on this.

In operation 308, the counter terminal 330 may provide the client 360 with the result of the transaction of operation 307. For example, if the withdrawal process is processed in step 307, the withdrawn cash and check 360 and receipt may be paid to the client 350. In addition, the bank server 330 transmits the processing result data indicating that the current bank teller service has been performed to the smartphone 320, the client 350 processes the bank teller service to apply for reservation through the smartphone 320; The results can be confirmed.

As a result, a transaction related to the bank teller that the client 350 makes a reservation using the bank teller application application installed on the smartphone 320 may be completed.

Through the bank teller application application according to an embodiment, the client 350 may make a reservation for processing the bank teller visit the bank branch. However, since the bank account transaction is only subscribed through the bank teller application application according to an exemplary embodiment, the transaction is not actually closed, but the input of the account password may be required in step 306, but the client 350 may not be able to enter the account. You do not need an accredited certificate to verify your identity.

4, 5, 6, 7, and 8 illustrate interface screens 410, 420, 500, 400, 700, and 800 associated with a bank teller application for an application installed in a client mobile terminal 400 according to an embodiment. do. Hereinafter, the client mobile terminal 400 and the interface screens 410, 420, 500, 400, 700, and 800 illustrated in FIGS. 4, 5, 6, 7, and 8 are in the form of a smart phone, but embodiments of the present invention. The present invention is not limited to smartphones, but may be extended to mobile phones, tablet PCs, notebook computers, desktops, and electronic devices capable of wireless communication.

A bank teller application application according to an embodiment is installed in the client mobile terminal 400. The initial interface 410 of the bank teller application application includes a "create bill" selection window 411, a "create a deposit request" selection window 412, a "create a report" selection window 413, a "receipt list" View "selection window (414)," View transaction history "selection window (415)," Account / Password Management "selection window (416)," Go to S Bank "selection window (417), and" Notify location arrival "selection window 418 may include.

Based on the client input that selects the "create invoice" selection window 411, the withdrawal invoice creation interface 500, 600 for generating invoice data for the withdrawal task may be invoked.

Based on the client input that selects the "Create Deposit Request" selection window 412, a deposit billing interface for generating bill data for the deposit service may be invoked.

When the "create notification" selection window 413 is selected, a notification invoicing interface for generating bill data for various reporting tasks except for withdrawal and deposit can be called.

Based on the client input, as the "View Receipt List" selection window 414 is selected, a reception list interface for calling a list of the window services received by the bank server 100 through the bank teller application application is called. Can be.

When the "view transaction details" selection window 415 is selected, a transaction history interface for checking the transaction history of the client's account that can be managed through the bank teller application application can be called. . For example, all the transaction details for the smartphone-specific bankbook mounted on the client mobile terminal 400 and the accounts of the client traded as a separate bankbook can be inquired through the transaction history interface. Among all accounts of the client, an account that can inquire transaction details through the bank teller application application may be arbitrarily selected by the user.

The bank teller application application according to an embodiment may be provided by a bank, or may provide an interface in the form of an e-book form associated with a bank account or a dedicated bankbook form. Through the transaction interface of the bank teller application, the inquiry or withdrawal function of a bank account may be implemented, including the function of an e-book type electronic bank account.

When the client's bank account is a smartphone-only account, the bank teller application application is linked with a smartphone-specific bankbook application stored in the client's smartphone 400 to obtain information about the client's smartphone-only account. Can be. Therefore, the smartphone-only account of the client can be searched and registered automatically in the account list of the bank teller application application. A bank account based on an existing paper bankbook allows access of the bank teller application through the use agreement between the client and the bank or the client's declaration procedure, and can be registered in the account list of the bank teller application.

The "account / password management" selection window 416 may be called account / password management interface for registering / cancel / change the account and password of the client that can be managed through the bank teller application application. An application password for accessing a bank teller application can be registered / canceled / changed through an account / password management interface according to an embodiment.

When the "go to S bank" selection window 417 is selected, a separate mobile banking application for banking transactions can be executed.

When the "notify arrival of the destination" selection window 418 is selected, a visit notification for notifying that the client has arrived at the branch corresponding to the invoice data received in advance to the bank server 100 may be transmitted to the bank server 100. .

4 to 8, an exemplary embodiment in which a "create bill" selection window 411 is selected by the client and a withdrawal service is requested to be reserved using the withdrawal invoice creation interface 500 or 600 will be described in detail.

Among the initial interface 410 of the bank teller application, when the "Create bill" selection window 411 is selected, the account list interface 420 of the client is first called and displayed on the display screen of the smartphone 400. Can be. The accounts displayed in the account list interface 420 may be registered or set up by the user at random through an account / password management interface called through the “account / password management” selection window 416.

The account information fields 422, 424, 426, 428 for the accounts displayed in the account list interface 420 may include account number information 421, 423, 425, 427 and account holding balance information 431, 433, 435,. 437). In addition, the account information fields 422, 424, 426, 428 may include "create invoice" selection windows 441, 443, 445, 447 for creating withdrawal invoice data for each account.

In addition, although not shown in the drawings, the account information fields 422, 424, 426, and 428 may further include a "view transaction details" selection window for inquiring transaction details for each account.

When the "invoice creation" selection window 441 of the account information field 422 of the account list interface 420 is selected according to the client input, the withdrawal invoice creation interface 500 or 600 may be called.

First, the withdrawal invoice preparation interface 500 illustrated in FIG. 5 may include a current account number 510, a withdrawal amount input window 520, and a check selection window 540. The check selection window 540 includes a 100,000 won bill issuance input window 541, a 1 million won bill issuance input window 543, and a different amount issuance number input window 545, and each copy input window ( A total amount window 542, 544, 546 showing the total amount based on the number of checks entered in the number of checks 541, 543, and 545 may be included.

The withdrawal invoice preparation interface 500 according to an embodiment may include electronic stamp information such as a seal image 530 of the client. It may be used for security purposes for financial credit transactions of the client through the electronic stamp information such as the imprint stamp image (530).

In addition, by displaying the imprint stamp image 530 representing the client's seal stamped on the actual paper withdrawal invoice on the withdrawal invoice creation interface 500, a visually friendly withdrawal invoice creation interface may be provided to the client. As a result, a client who is not yet familiar with electronic financial transactions can be induced to access and use the bank teller application of the smartphone 400 more easily.

Electronic stamp information such as an imprint image displayed on the withdrawal invoice preparation interface 500 may be attached to the bill data.

After all the details of the withdrawal invoice preparation interface 500 are input based on the client input, when the "receive" selection window 550 is input, the withdrawal invoice data may be generated and transmitted to the bank server 100. .

When the "close" selection window 560 is selected, the initial interface 410 of the bank teller application application may be called again and displayed on the display screen of the smartphone 400.

The withdrawal invoice preparation interface 600 illustrated in FIG. 6 may also include a current account number 610, a withdrawal amount input window 620, and a check selection window 640. The check selection window 640 may include a 100,000 won bill issuance input window 641, a million won bill issuance input window 643, and the other amount issuance count input window 645. When one of the 100,000 won issue number input window 641, the 1 million won issue number input window 643, and the other amount issuance amount input window 645 is selected, the number input window for inputting the number of issue issues may be activated. The withdrawal bill preparation interface 600 may also include electronic stamp information, such as a seal image 630 of the client.

The withdrawal invoice creation interface 600 may include a password input window 670 for inputting an account password for the reservation application for the account withdrawal service.

In addition, the withdrawal billing interface 600 may include a bank transfer selection window 680 for transferring to another account. If an account registration input window 681 is selected among the bank transfer selection window 680, an account number input window for inputting another account number may be activated.

After all the details of the withdrawal invoice preparation interface 600 are input based on the client input, when the "receive" selection window 650 is input, the withdrawal invoice data may be generated and transmitted to the bank server 100. . When the "close" selection window 660 is selected, the initial interface 410 of the bank teller application application may be displayed on the display screen of the smartphone 400 again.

Although not shown in Figures 5 and 6, the withdrawal billing interface (500, 600) may further include a visit time input window for specifying the time to visit the branch or a visit store input window for specifying the branch to visit have.

In addition, the smartphone 400 may receive the receipt order number while being notified that the withdrawal invoice data is received from the bank server 100 and the receipt of the withdrawal business application is completed. Accordingly, the smartphone 400 may call the reception completion interface 700 showing the currently received application contents.

The reception completion interface 700 according to an embodiment may show a current account number 710, a withdrawal amount 720, and a check withdrawal result 730. Check withdrawal result 730 may be displayed in the amount of money unit. The reception completion interface 700 may include a bank transfer result 740 and a cash withdrawal result 750. The account transfer result 740 may display another account number and the amount of the transfer.

In addition, the reception completion interface 700 may also display the reception order number 760 received from the bank server 100 together with the reception completion notification.

This reception completion interface 700 may be called as the "view list" selection window 414 of the initial interface 410 is selected.

The client may check whether the withdrawal application is correctly received based on the reception completion interface 700. Then, as the client visits the bank branch and selects the "information of arrival" selection window 770 of the reception completion interface 700, the visit notification notifying that the client arrives at the branch, the client's smartphone 400 From the bank server 100 can be sent.

When the "cancellation cancellation" selection window 780 is selected, the details of the current withdrawal bill can be canceled. When the "close" selection window 790 is selected, the initial interface 410 of the bank teller application application can be displayed again on the display screen of the smartphone 400.

Withdrawal service according to the "notify the arrival of the destination" selection window 770 of the reception completion interface 700 for the withdrawal service application, or the "notify the arrival of the destination" selection window 418 of the initial interface 410 is selected, The visit confirmation interface 800 for processing may be called. Even if the client has already registered a reservation application for a plurality of counter services with the bank server 100 through the bank counter application application, the current visit time and the current bank from among the counter services registered in the reception list of the application optionally. The visit of the client may be confirmed only for the window service which is requested to visit and handle the branch office.

The visit confirmation interface 800 according to an embodiment may show a current account number 810, a withdrawal amount 820, and a current account transfer application status 830. The bank transfer application status 830 may display other account numbers and the amount of the transfer to be collected.

In addition, the visit confirmation interface 800, the bank server 100 transmits the visit notification of the client to the branch server, interworking the withdrawal application application history of the client and the receipt order system of the branch, the order turn waiting assigned to the client Number 850 may also be indicated.

When the business process turn is based on the client's turn waiting number 850, a branch office terminal may be assigned to the client. Detailed transaction information input to the withdrawal invoice preparation interface 500 and 600 and the application contents of the client which can be checked in the reception completion interface 700 may be displayed on the branch window terminal. Therefore, the bank teller service can be processed without delay based on the application contents displayed at the teller window terminal, without the client having to additionally prepare or submit an invoice to apply for a withdrawal service at the branch.

When the "close" selection window 860 is selected, the initial interface 410 of the bank teller application application can be displayed again on the screen of the smartphone 400.

9 is a flowchart illustrating detailed operations of a client mobile terminal 200, a bank server 100, and a branch office terminal for processing a bank teller service, according to an exemplary embodiment.

9 is largely comprised of the operation flowchart 910 of the client mobile terminal 200, the operation flowchart 930 of the bank server 100, and the operation flowchart 950 of the branch office terminal.

Based on the interaction between the client mobile terminal 200, the bank server 100 and the branch office terminal, a process of performing a bank application for which a reservation is requested through a bank window application application is illustrated.

In step 911, the client mobile terminal 200 generates a bill for the bank teller service and generates bill data using the bank teller application application. In the billing process, electronic signature information such as a seal image of a client registered in advance may be attached to the bill data.

In step 913, the client mobile terminal 200 determines whether there is a visiting sales office designated in advance. If there is no pre-designated visiting sales branch, branching to step 915 may be made a new visiting sales branch. If there is a pre-designated visiting branch, the process branches to step 925 to transfer the invoice data generated in step 911 to the bank server 100, register a bank teller reservation application for the bank, and receive it at the bank server 100. .

In step 915, it is determined whether to automatically search for a bank branch located in the vicinity of the current client mobile terminal 200. The automatic search function of the nearby branch office uses the location information of the client mobile terminal 200. Therefore, the automatic retrieval function of a nearby branch office may be used only when the client agrees to use the location information of the client mobile terminal 200 from the client in advance or at the time of the product contract of the bank teller application application.

In step 917, one or more business locations found using the automatic search function of a nearby business office are automatically presented to the client. In step 919 the client may designate a sales office that it wishes to visit.

In step 921, the client may manually search for the bank branch without using the automatic search function of the neighboring branch, and determine the specific branch in step 923 to complete the search. In step 919 the client can finally designate a branch that they wish to visit.

The client mobile terminal 200 newly designating the visiting branch may also transmit the bill data to the bank server 100 in step 925 to register a bank teller reservation application with the bank.

In operation 931, the bank server 100 may receive invoice data generated by the client mobile terminal 200 to receive a transaction request. In operation 933, the bank server 100 may store invoice data and transaction request information of the client mobile terminal 200. Customer analysis and marketing data for the client may be generated using the stored transaction information and personal information.

In operation 935, if the sales office to be visited by the client mobile terminal 200 is previously designated, in operation 937, the bank server 100 may transmit the invoice data received from the client mobile terminal 200 to the designated business office. In step 935, if the business point to be visited by the client mobile terminal 200 is not specified in advance, the bank server 100 waits until the business visit registration is notified from the client mobile terminal 200.

In step 927, the client mobile terminal 200 visits the bank branch, and in step 929, the fact that the client visits the bank branch is notified by the bank server 100.

In this case, if there is a preliminary agreement with the bank teller application to use the location information of the client mobile terminal 200, based on the location information of the client mobile terminal 200 and the client mobile terminal 200, the designated bank branch office The client mobile terminal 200 may be located in the vicinity of the bank server 100 and automatically register a visit to a branch. Alternatively, the client may register a visit to a branch of the client mobile terminal 200 by transmitting a visit notification to the bank server 100 by using the "information of arrival" function of the bank teller application.

In operation 939, the bank server 100 may receive a visit to a branch office of the client mobile terminal 200. In operation 941, the bank server 100 may assign a visitor's visitor's visit number or a reception order number to the client terminal 200. In addition, the bank server 100 may notify the corresponding branch server that the client mobile terminal 200 has visited the branch.

In operation 951, the branch office server visited by the client mobile terminal 200 may receive a visit notification of the client mobile terminal 200.

In step 953, when the turn of the client mobile terminal 200 is in turn based on the reception waiting system of the branch, the branch office terminal may call the client.

In step 955, the invoice data of the client mobile terminal 200 is received from the bank server 100, and the transaction screen of the bank teller service requested by the client mobile terminal 200 is displayed on the basis of the application of the invoice data. It may be displayed on the screen of the terminal. In this case, the customer analysis and marketing data for the client may be transmitted from the bank server 100 to be displayed on the screen of the branch window terminal. Based on this, the branch office terminal may perform marketing suitable for a client.

In addition, since the invoice data is received in advance by the bank server in order for the client to make a reservation for the window service, the bank secures the transaction information of the client in advance and checks the personal credit information of the client stored in the bank server in advance to use for marketing to the client. You can also prepare.

In step 957, the branch office staff and the client can check the application contents displayed on the screen of the branch office terminal together. In step 959, the client may enter a password for the bank account transaction. In step 961, if it is confirmed that the client's password is authenticated and the correct application and transaction content, the branch teller terminal can process the bank teller service based on the bank teller service and transaction information corresponding to the application content. As a result, a transaction related to the bank window service of the reservation application may be completed using the bank window service application application installed in the client mobile terminal 200.

10 is a flowchart illustrating a method of processing a bank teller service using a client mobile terminal 200 by a bank server 100 according to an exemplary embodiment.

In step 1010, the bank server 100 receives the bill data for the window service selected by the client from the mobile terminal 200 of the client on which the bank teller application application is installed. The bill data may include detailed transaction information input for the bill interface of the bank teller application.

In step 1020, the bank server 100 receives a notification from the client mobile terminal 200 informing that the client has arrived at the bank branch. The bank server 100 may transmit a notification notifying the arrival of the client to the branch server.

In operation 1030, the bank server 100 may transmit the bill data received from the mobile terminal 200 of the client to the branch office terminal. The bank teller application information of the client mobile terminal 200 is displayed on the screen of the teller terminal, so that the bank teller service can be processed by the branch teller terminal. The bank server 100 receives and stores the processing result data of the bank teller service processed by the branch counter terminal. The processing result data of the bank teller service may be transmitted to the client mobile terminal 200.

11 is a flowchart of a bank teller processing method of a client mobile terminal 200 according to an embodiment.

In step 1110, the client mobile terminal 200 executes a bank teller application application. In step 1120, through the bank teller application, the client mobile terminal 200 calls the invoice interface provided by the bank teller application for the selected teller service on the screen according to the client input for selecting the teller service to be reserved. Display.

In operation 1120, the client mobile terminal 200 receives transaction information on the invoice interface from the client and generates bill data including the transaction information. The generated bill data may be transmitted to the bank server 100 to register a reservation application for the bank window service.

In operation 1130, the client mobile terminal 200 transmits a notification to the bank server 100 informing that the client arrives at the bank branch. Through the bank server 100, as the shop visit notification of the client mobile terminal 200 is also notified to the branch server, the reception order number of the client mobile terminal 200 may be secured. Therefore, the client visits the branch office, saves the time for creating a bill for the counter service until the transaction is completed, and waiting for the order of receipt.

The client mobile terminal 200 receives a notification informing the completion of the current bank teller service from the bank server 100, receives the processing result data of the bank teller service that has been applied for reservation, and displays the result on the screen of the client mobile terminal 200. You can check it.

When the client uses internet banking or mobile banking, when a user registers an account transaction using an application for internet banking or mobile banking, the transaction is immediately confirmed and legal cancellation due to the transaction occurs, thus canceling the transaction.

However, according to an embodiment, the act of registering a reservation application for the bank teller service with the bank server 100 through the bank teller application application installed in the client mobile terminal 200 is merely an act of subscription. Therefore, when the client visits the visit point later and completes the transaction, the transaction is substantially established, and thus the legal effect of the transaction occurs, so that the client before the transaction is completed, the bank server 100 through the client mobile terminal 200. You can cancel the application for reservation at the counter service registered in

Accordingly, the client mobile terminal 200 may apply for a reservation at a bank teller for a transaction with respect to the bank server 100 using a bank teller application application, and later visit a bank branch to complete the transaction. .

The block diagrams disclosed in the present invention may be interpreted by those skilled in the art as a conceptual representation of a circuit for implementing the principles of the present invention. Similarly, any flow chart, flow chart, state diagram, pseudocode, etc. may be substantially represented on a computer readable medium, such that the computer or processor may be executed by such a computer or processor whether or not it is explicitly shown. It will be appreciated by those skilled in the art to represent the process. Therefore, the above-described embodiments of the present invention can be written as a program that can be executed in a computer, and can be implemented in a general-purpose digital computer which operates the program using a computer-readable recording medium. The computer-readable recording medium may include a storage medium such as a magnetic storage medium (eg, a ROM, a floppy disk, a hard disk, etc.) and an optical reading medium (eg, a CD-ROM, a DVD, etc.).

The functions of the various elements shown in the figures may be provided through the use of dedicated hardware as well as hardware capable of executing software in association with appropriate software. When provided by a processor, such functionality may be provided by a single dedicated processor, by a single shared processor, or by a plurality of individual processors, some of which may be shared. In addition, the explicit use of the term “processor” or “control unit” should not be construed as exclusively referring to hardware capable of executing software, and without limitation, digital signal processor (DSP) hardware, read-only for storing software. Memory (ROM), random access memory (RAM), and non-volatile storage.

In the claims of this specification, an element represented as a means for performing a specific function encompasses any way of performing a specific function, and the element may be a combination of circuit elements performing a specific function, or performing a specific function. It may include any form of software, including firmware, microcode, etc., coupled with suitable circuitry to carry out the software for.

Reference herein to 'one embodiment' of the principles of the present invention and various modifications of this expression is that in connection with this embodiment certain features, structures, characteristics, etc., are included in at least one embodiment of the principles of the present invention. it means. Thus, the expression 'in one embodiment' and any other variation disclosed throughout this specification are not necessarily all referring to the same embodiment.

In the present specification, in the case of at least one of A and B, the expression 'at least one of' means only the selection of the first option (A), or only the selection of the second listed option (B), or both. It is used to cover the selection of options (A and B). As an additional example, for at least one of A, B, and C, only the selection of the first listed option (A), or the selection of the second listed option (B), or the third listed option (C ), Only the selection of the first and second listed options (A and B), only the selection of the second and third listed options (B and C), or the selection of all three options ( A, B, and C) may be encompassed. Even if more items are enumerated, it may be obviously extended to those skilled in the art.

So far I looked at the center of the preferred embodiment for the present invention.

All embodiments and conditional examples disclosed throughout the specification are intended to help one of ordinary skill in the art to understand the principles and concepts of the present invention. It will be understood that modifications may be made without departing from the essential features of the invention. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

Claims (21)

In the method in which a bank server processes a bank teller service using a mobile terminal of a client,
Invoice data including transaction information input for the invoice interface of the counter office selected by the client from a mobile terminal of the client on which an application providing each invoice interface for applying for at least one counter service of the bank is installed. Receiving;
Receiving, from the mobile terminal, a visit notification informing that the client arrives at a branch of the bank; And
And storing the processing result data of the teller service processed by the branch office based on the invoice data. According to claim 1, The bank teller processing method using a mobile terminal of the client of the bank server,
And transmitting the processing result data of the window service of the client to the mobile terminal of the client. The method of claim 1,
At least one of the bank's services includes at least one of account withdrawal and deposit, accident report, certificate issuance, customer information change, utility bill payment, currency exchange, visa fee payment and loan safe deposit. A bank teller processing method using a mobile terminal of a client of a bank server comprising a. The method of claim 1, wherein receiving the bill data comprises:
And receiving visit time information on a scheduled time of arrival at the branch from the mobile terminal. The method of claim 1, wherein receiving the bill data comprises:
And receiving visit shop information on a branch to be visited by the client from the mobile terminal. The method of claim 1,
On the screen of the business processing window terminal to process the window service of the client among the terminals of the branch,
In the step of storing the window work processing result data, the client of the bank server stores the processed result data generated by the window work of the client by the work processing window terminal based on the bill data. Bank teller processing method using a terminal. According to claim 1, The bank teller processing method using a mobile terminal of the client of the bank server,
Transmitting the visit notification to the server of the branch office; And
Based on the visit notification, assigning a reception order number to the client in association with the reception order system of the branch office;
And the business processing window terminal is determined based on the reception order number of the client. The method of claim 4, wherein the receiving of the visit store information comprises:
Transmitting location information on a branch that the client can visit to the mobile terminal based on the location information of the mobile terminal; And
Receiving location information on the sales office adopted by the client of the location information for the sales office transmitted to the mobile terminal, characterized in that it comprises the step of receiving a bank teller processing method using a mobile terminal of the client of the bank server. According to claim 6, The bank teller processing method using a mobile terminal of the client of the bank server,
Transmitting the personal information of the client stored in the bank server to the business processing window terminal;
The personal information is used to introduce a bank product necessary for the client, the bank teller processing method using a mobile terminal of the client of the bank server. In the method of processing a bank teller using a client's mobile terminal,
Executing an application for providing each billing interface for applying for at least one teller service of the bank;
Displaying a billing interface for the window service selected by the client input on a screen of the mobile terminal;
Based on the client input, generating invoice data including transaction information input for the invoice interface to apply for the selected teller service, and transmitting the invoice data to a bank server; And
And transmitting a visit notice to the bank server informing that the client arrives at a branch of the bank. The method of claim 10, wherein the bank teller processing method using the mobile terminal of the client comprises:
And receiving the processing result data of the counter service of the client from the bank server. 11. The method of claim 10,
At least one of the bank's services includes at least one of account withdrawal and deposit, accident report, certificate issuance, customer information change, utility bill payment, currency exchange, visa fee payment and loan safe deposit. A bank teller processing method using a mobile terminal of a client comprising a. The method of claim 10, wherein the step of transmitting bill data,
And transmitting the visit time information on the scheduled time to arrive at the branch office to the bank server. The method of claim 10, wherein receiving the bill data,
And transmitting the visited shop information on the branch office to which the client visits the bank server. The method of claim 11, wherein the window service processing result data receiving step comprises:
And wherein the work processing window terminal receives the processing result data generated by processing the window work of the client based on the bill data. The method of claim 15,
The visit notification is transmitted from the bank server to the server of the branch office, and the reception order number is assigned to the client in association with the visit notification of the client and the reception order system of the branch office, and the reception order number is assigned to the client based on the reception order number of the client. A bank teller processing method using a mobile terminal of a client, characterized in that the work processing window terminal is determined. The method of claim 14, wherein the transmitting of the visit store information comprises:
Receiving, by the bank server, location information of a branch that the client can visit, the bank server searching based on the location information of the mobile terminal, from the bank server; And
And transmitting the location information of the visited shop selected from the received location information of the branch office. A bank server for processing a bank teller service using a mobile terminal of a client,
A client communication unit for mediating data exchange with a mobile terminal of the client;
An intra-bank communication unit for mediating data exchange with servers of branch offices of the bank;
Invoice data including transaction information input for the invoice interface of the counter office selected by the client from a mobile terminal of the client on which the application providing each invoice interface for applying for at least one counter service of the bank is installed. A window service bill receiving unit for receiving a;
A shop notice receiving unit to receive a shop notice from the mobile terminal to notify the client of arrival at a branch of the bank;
A shop notice transmitter for transmitting the shop notice to the server of the shop;
A personal information storage unit for storing personal information and customer information for the clients of the bank; And
And a transaction result storage unit for storing processing result data of the teller service processed at the branch based on the invoice data from the branch server. In a mobile terminal of a client for processing a bank teller service,
A communication unit for mediating data exchange with a bank server;
An application driver which executes an application providing each billing interface for applying for at least one teller service of the bank server, and uses a function of the application based on the input of the client to the interface of the application;
A billing interface processor for calling a billing interface for the window service selected by the client input and displaying the billing interface on the screen of the mobile terminal;
An invoice data processing unit for generating invoice data including transaction information input for the invoice interface to apply for the selected window service and transmitting the invoice data to the bank server based on the client input; And
And a bank visit notification unit for sending a notification to the bank server informing that the bank has arrived at a branch office. A computer-readable recording medium having a program recorded thereon for implementing a computer-implemented method in which a bank server according to any one of claims 1 to 9 processes a bank teller service using a mobile terminal of a client. 18. A computer-readable recording medium having recorded thereon a computer program for implementing a method for processing a bank teller service using a mobile terminal of a client according to any one of claims 10 to 17.

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