KR20140057021A - System and method for the smart telebanking service that a screen is expressed - Google Patents

Abstract

The present invention relates to a smart telebanking service method with an expressed screen, and the method is a method for a user to use a smart telebanking service through a communications network and comprises a step in which the user accesses a financial institution server by driving an application with his or her own terminal, and is provided with login greetings from the financial institution server; a step in which, after login, the financial institution server provides a financial transaction menu for the user to perform a desired financial transaction, and the user selects the desired financial transaction on the basis of the provided menu; and a step in which the desired financial transaction is executed by the execution of the selected financial transaction menu.

Description

TECHNICAL FIELD [0001] The present invention relates to a smart telecommunication service system and a smart telecommunication service system,

The present invention relates to a smart telephone banking service system and method in which a screen is displayed.

The customer makes transactions with the bank by connecting with the bank's host computer, ARS (Automated Response System) through the public communication network, that is, the telephone line, and sending and receiving various data through the bank's host computer and the telephone line. Such a telephone banking service is a very convenient method compared to the conventional method in which a customer has to search for a bank each time, and the frequency of use thereof is rapidly increasing recently.

Recently, financial services such as money transfer and bank transfer have been carried out through telephone banking using mobile phones and Internet banking using the Internet. These services are based on the information stored in the personal database and include the account number of the sender, And the account number of the addressee. The information input through the mobile phone or the Internet is compared with the information previously stored in the personal database of the financial institution, and the remittance can be determined by searching the transaction details of the sender. Accordingly, remittance is performed in addition to the remittance confirmation procedure through information such as account number and account holder of the remittee by searching the account information of the remittee according to the judged result.

These remittance systems have the advantage that the sender can easily conduct financial transactions using the communication system without going directly to the bank. However, since the security of the financial transaction system through communication is sufficiently secured and the utilization thereof becomes higher, A system in which remittance transactions are performed is required.

However, in the conventional telephone banking service, a user connects to a host computer of a bank through a communication means such as a telephone, and the user receives a service by pressing a corresponding number on a guide service broadcast provided by the host computer of the bank, The user has to press the button corresponding to one of the announcements received by the announcement, and the user has to repeatedly press the corresponding button several times according to the announcement.

In addition, since financial institutions such as the above-mentioned banks have different telephone numbers and numbers corresponding to guidance services, people using the financial institution must remember the number of the corresponding financial institution, There was an inconvenience to hear all the buttons and press corresponding button.

SUMMARY OF THE INVENTION The present invention has been made in order to solve the above problems, and it is an object of the present invention to provide a smartphone capable of detecting the number entered by a user on a smartphone screen of a user and displaying a corresponding announcement on the smartphone screen, And a smart telephone banking service system and method in which a screen is displayed.

The present invention relates to a telecommunication service system using a smart application, and more particularly, to a telecommunication system for a smartphone user using a predetermined communication network, comprising: a financial server provided for performing a telecommunication service process of the smartphone user; An ARS unit connected to the server and connected to the smart phone of the telecommunication user for transferring the financial related input signal; and an ARS unit for processing the transaction information received from the ARS unit through the financial server, And an account processing server that is linked with the financial server and manages a user's account, and receives and processes financial inquiry and financial transfer information through the user's telephone banking.

The financial server may further include a database for registering financial transaction request information with the account processing server linked to the financial transaction processing server, and registering the transferred account information.

The financial server is further provided with a mentoring database so that the mentoring information corresponding to the user can be displayed on the screen of the smartphone according to the process of the user's telephone banking.

In addition, a database management server is further provided for updating the financial transaction request information registered in the database linked to the financial server and the database of the account information processed by the transfer processing.

In addition, the database management server may further include an information processing unit for storing authentication information of a tele banking user and financial information for an account, and processing information about a database storing inquiry and transfer related information and process result information .

The account processing server may further include an authentication processing unit for authenticating the customer's information through the registered account number and the account password of the tele-banking user.

Further, the account processing server may further include an account monitoring unit for monitoring account information of a customer who performs the telecommunication bank transfer process.

Further, the account processing server is further provided with a money transfer processing unit for performing a transfer process for transferring the transfer amount from the account of the telephone banking user to the business shop server.

The present invention relates to a smart telephone banking service method in which a screen is displayed, and in which a user uses a smart tel banking service through a predetermined communication network, the user operates an application with his or her terminal to access a financial transaction server, The method comprising: receiving a login greeting from a financial company server; and after the login, the financial company server provides a financial transaction menu so that a user can perform a desired financial transaction, and the user selects a desired financial transaction based on the provided menu And executing the desired financial transaction by executing the selected financial transaction menu.

In addition, the terminal is a wireless terminal, which is a smart phone and a touch-type wireless terminal on which related applications are displayed on the screen.

In addition, the application may be automatically dialed to a telephone banking representative number of the financial institution when the user operates the application.

The login step may further include inputting an authorized certificate and an ID / PASSWORD.

Further, the telemarketing financial transaction is characterized in that the corresponding announcement is displayed on the screen of the smartphone according to the input number of the smartphone dial of the user.

Also, the financial transaction is displayed on the smartphone screen of the user according to the number inputted by the customer, such as an account inquiry, an account transfer, a balance inquiry, and the remitter or remittee information input process is displayed on the screen Or by inputting one or more numbers corresponding to Korean alphabets, numbers and alphabets, or by inputting characters corresponding to corresponding numbers written on a dial provided by a financial institution.

Also, the information inputted in the process of inputting the remitter or remittee information is smart phone touch type information using the ARS device.

According to the smart telephone banking service system and method in which the screen according to the present invention is displayed, the number entered by the user on the smart phone screen of the user is detected and the corresponding announcement is displayed on the screen of the smart phone, Not only the convenience of the user can be improved, but also the hearing-impaired user is able to improve the convenience of the user because the corresponding message is displayed on the screen of the smartphone.

In addition, the financial institution has the advantage that it can reduce the work burden on the counter staff of the branch office, thereby improving work efficiency.

FIG. 1 is a diagram illustrating a configuration of a smart telephone banking service system in which a screen according to an embodiment of the present invention is displayed.
FIG. 2 is a diagram showing a screen displayed on the screen of a smart phone according to the operation of an application of a smart telephone banking service system in which a screen according to the present invention is displayed.
FIG. 3 is a flowchart illustrating a smart telephone banking service method in which a screen according to the present invention is displayed.
FIG. 4 is a diagram illustrating a smart telephone banking service method displayed on a screen according to another embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description.

It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described.

Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

In order to efficiently explain the essential technical features of the present invention, the following embodiments will appropriately modify, integrate, or separate terms to be understood by those skilled in the art to which the present invention belongs , The present invention is not limited thereto.

FIG. 1 is a diagram illustrating a configuration of a smart telephone banking service system in which a screen according to an embodiment of the present invention is displayed.

1, a smart telephone banking service system in which a screen according to an exemplary embodiment of the present invention is displayed allows a customer to easily access a financial server using telecommunication and to transmit a remittance request signal , Thereby reducing the burden on the salesperson of the branch office and allowing the financial transaction to be easily handled even if the customer does not visit the counter.

More particularly, the smart tel banking service system in which a screen according to an exemplary embodiment of the present invention is displayed includes an ARS unit in a financial server included in the telecommunication service system, The financial transaction information can be registered in advance or the financial transaction can be processed by generating financial information in real time.

For this, the smart tel banking service system in which a screen according to an embodiment of the present invention is displayed includes an ARS unit 150, which is provided in cooperation with a financial server 100 that carries out processing for a financial transaction, A customer terminal 10 for transferring information on a financial transaction is provided.

The terminal 10 outputs a news item sent from the ARS unit 150 as a smartphone, generates a tone pulse signal by key operation, and transmits a tone pulse signal to the ARS unit 150, To be input or input.

Meanwhile, the smart tel banking service system in which a screen according to an exemplary embodiment of the present invention is displayed includes a branch server 160 that receives financial transaction processing information from the financial server 100 and actually performs financial transaction processing.

In the smart tel banking service system in which the screen according to the embodiment of the present invention is displayed, the financial transaction information is received from the customer terminal 10 through telephone banking while managing accounts of a plurality of customers, And a financial server 100 for processing a financial transaction.

At this time, the financial server 100 is connected to the ARS unit 150, and monitors the account of the customer through the account information and the financial information received from the customer terminal 100, (Not shown).

In addition, the financial server further includes a mentoring database so that the corresponding announcement can be displayed on the screen of the smartphone according to the user's telebanking process.

On the other hand, a database management server (DBMS) that manages account information of each customer and is processed in association with the account processing server 110 to register financial transaction request information and update the transferred account information to the database 190 : 170).

The account processing server 110 is provided with an authentication processing unit 120 for authenticating the authenticity of the customer through the account number and the account password of the customer in the account processing server 110, And an account monitoring unit 130 for monitoring account number information and account balance information of the customer and a money transfer processing unit 140 for performing remittance processing for transferring the remittance amount from the account of the customer to the sales point server 160 Respectively.

The financial server 100 is connected to the account processing server 110 through a call connection through the customer terminal 10 and transmits a financial transaction related announcement to the terminal 10 An ARS unit 150 for receiving a financial processing related selection signal or an input signal transmitted from the terminal 10 and transmitting the financial processing related input signal to the account processing server 110.

Meanwhile, the database management server (DBMS) 170 stores the customer authentication information, the number information of the account, and the account balance information, and processes the information registration for the database 190 storing the remittance related information and the remittance processing result information An information processing unit 180 is provided.

The financial server 100 is provided with an ARS unit 150 for performing telephone banking and the financial server 100 is provided with an ARS unit 150, In response to the financial transaction request signal, the remittance processing unit 160 fetches the remittance request amount from the account of the customer and performs remittance processing to the sales point server 160.

At this time, the customer can request the execution of the remittance through the telephone banking, and may request the remittance execution by accessing the financial server 100 in real time.

More specifically, the customer accesses the ARS unit 150 provided in the financial server 100 via the terminal 10, inputs the account number, and inputs the account password.

The ARS unit 150 transmits the account number and the account password information received from the customer terminal 10 to the financial server 100. The financial server 100 transmits the account number and the account password information Authenticate the customer.

Then, the financial server 100 instructs the ARS unit 150 to transmit the announcement message, thereby allowing the customer to select the remittance through the announcement message. When the remittance mode is selected, the financial server 100 can receive a selection signal for an immediate remittance and a reserved remittance, and the selection signal is transmitted to the ARS unit 150 by the tone pulse signal of the customer terminal 10, (10) Since the financial transaction announcement displayed on the screen is displayed, the user can easily use the desired financial transaction.

FIG. 2 is a diagram showing a screen displayed on the screen of a smartphone according to the application of the smart telephone banking service system in which a screen according to the present invention is displayed, FIG. 3 is a diagram illustrating a smart telephone banking service Fig.

A smart telephone banking service in which a screen according to the present invention is displayed will be described with reference to FIGS. 2 and 3 attached hereto.

3, when the user activates the telebanking application displayed on the smartphone screen, the user is automatically connected to the telebanking ARS representative number of the associated financial institution (310).

That is, when the user touches the telebanking application displayed on the screen of the smartphone as described above, the user is automatically connected to the telebanking ARS representative number of the associated financial institution.

2, when the telebanking application is activated, the announcement DB 200 is operated so that the number of the user entered on the screen of the smartphone is detected and the corresponding announcement is displayed on the screen of the smartphone (320).

That is, as the announcement DB 200 is operated, a method of inputting information according to a financial transaction is displayed on the screen of the smartphone screen, and the user confirms the announcement displayed on the screen of the voice and the smartphone screen It is through the process of financial transactions.

As described above, when the telebanking application displayed on the smartphone screen is operated to automatically connect to the telebanking ARS representative number, a login screen for confirming the information of the user is displayed, and the user login step is displayed as shown in FIG. 2 Using the dial pad displayed at the center of the screen of the smartphone screen, the authentication process is completed through a login step using an authorized certificate or a step of inputting an ID / PASSWORD through a user login step 330).

Upon completion of the login step, an ARS voice for selecting a financial transaction menu is received (340), an ARS voice for selecting the financial transaction menu is received, and the user presses a shortened number of a desired transaction item (350) .

The financial transaction menu item may include account inquiry, account transfer, balance inquiry and agent connection for remittance,

According to the embodiment, when the user selects the balance inquiry, the financial server requests the account number / password for inquiring the details of the bank account balance that the user is trading with, and then accesses the corresponding financial institution database, .

After checking the balance details of the user's account, the result of the balance history is outputted to the user terminal, and it is checked whether the balance details of another account will be continuously inquired. If the balance history of the account is continuously inquired, the flow proceeds to the balance display mode, and if the balance details of the account are not displayed, the flow advances to the main menu.

On the other hand, if the user selects the entry / withdrawal history mode, the financial server requests the account number / password for inquiring the deposit / withdrawal history to the bank account in which the user is trading, and then can inquire the user's account Period, and then inquires about the history of entry / withdrawal into / from the financial institution database.

After input / withdrawal history is retrieved from the financial institution database, the details of the input / withdrawal are output to the user terminal. Then, confirm whether you want to inquire the input / withdrawal of another account continuously. In the case of inquiring the entry / withdrawal history of the continuing account, the system proceeds to the entry / withdrawal history mode, and if the entry / withdrawal history of the account is not inquired, the flow advances to the main menu.

The financial transaction is selected by the user as described above, and when the financial transaction is completed, the banking service ends the series of processes (360).

FIG. 4 is a diagram illustrating a smart telephone banking service method displayed on a screen according to another embodiment of the present invention.

4, when the user activates an application provided in his / her terminal, the user accesses the financial server via a predetermined communication network, and the financial server invokes greeting from the message stored in the database, and at the same time, And outputs the voice to the user terminal (410, 415).

After the greeting is output, the financial server confirms whether there is a notification (420). If there is such a notification, the announcement message is outputted to the user terminal (Step 425), and the process proceeds to the main menu 430, and if there is no such notification, the process proceeds to the main menu 430.

Then, the financial server guides (435) the main menu to the user. The main menu displays the services such as the inquiry mode, the remittance mode, the loan mode, the credit card mode, and the accident inquiry mode 440 on the screen of the voice and the terminal.

In the embodiment, the inquiry mode provides services such as balance inquiry, input / withdrawal inquiry, exchange rate inquiry, etc. to the user. In the transfer mode, a transfer service is provided to a financial institution such as a bank, a securities company or an investment trust company.

Also, in the lending mode, information related to confirmation of an amount of money that can be borrowed from the financial institution that the user is trading and information related to the loan service is provided. In the credit card mode, information related to the service using the credit card owned by the user is provided In the accident inquiry mode, the service provides inquiries and reports about lost checks or credit cards owned by the user.

If the user selects the remittance mode in the main menu (445), the financial server requests (450) the account number / password of the user's bank and transfers the account number to the financial institution such as a bank or securities company (455) to the user.

Then, after requesting the account number to be remitted to the financial institution such as the bank or the securities company, the remittance amount is requested (460), the user confirms the remittance contents to the user (465) do.

In addition, the financial server inquires (475) the details of the account transfer to the financial institution through the database (475), provides the remittance result to the user terminal, and confirms the remittance result from the user (480).

Then, the financial server confirms whether or not to continue the remittance service to the user, and proceeds to the remittance mode when remittance continues. When the remittance does not occur, the financial server proceeds to the main menu and ends the series of processes.

In addition, each of the above-described processes is displayed so that the user can visualize the voice message and display the contents on the screen of the user's terminal (smart phone), thereby processing the financial transaction.

10: wireless terminal (smart phone) 100: financial server
110: an account processing server 120:
130: an account monitoring unit 140: a money transfer processing unit
150: ARS department 160: Branch server
170: DMBS 180: Information processing unit
190: DB 200: Announcement DB

Claims (15)

1. A telecommunication system for a smartphone user using a predetermined communication network,
A financial server configured to perform a telephone banking service process of the smartphone user;
An ARS unit connected to the financial server and connected to the smart phone of the telecommunication user for transferring financial related input signals;
A branch office server that performs financial services of a telebanking user through the financial server, from the ARS department; And
And an account processing server for managing the account of the user in connection with the financial server and receiving and processing the financial inquiry and the financial transfer information through the telephone banking of the user. . The system according to claim 1, wherein the financial server further comprises a database for registering financial transaction request information with the account processing server that has been linked and registering account information processed by the transaction, Banking service system. The financial server of claim 1, wherein the financial server further comprises an announcement database for displaying the announcement corresponding to the user on the screen of the smartphone according to the process of the telephone banking of the user. Banking service system. The system according to claim 1 or 2, further comprising a database management server for updating the financial transaction request information registered in the database linked to the financial server and the database of the transferred account information, Smart telecom banking service system in which the screen is displayed. 5. The information processing system according to claim 4, wherein the database management server comprises: an information processing unit for storing authentication information of a tele banking user and financial information on an account, and processing information registration for a database storing inquiry and transfer- Wherein the smart banking system further comprises a smart banking service system. 2. The system according to claim 1, wherein the account processing server further comprises an authentication processing unit for authenticating the customer's information through the registered account number and the account password of the telec banking user. Service system. The system of claim 1, wherein the account processing server further comprises an account monitoring unit for monitoring account information of a customer who performs the telecommunication bank transfer process. 2. The system according to claim 1, wherein the account processing server further comprises a money transfer processing unit for transferring the transfer amount from the account of the telec banking user to the business shop server Telebanking service system. A method for a user to use a smart telephone banking service through a predetermined communication network,
The user activating an application with his or her terminal to access a financial company server and receiving a login greeting from a financial company server;
After the login, the financial company server provides a financial transaction menu so that the user can perform a desired financial transaction, and the user selects a desired financial transaction based on the provided menu. And
And executing a desired financial transaction by executing the selected financial transaction menu. The smart telephone banking service method according to claim 9, wherein the terminal is a wireless terminal, and is a smart phone and a touch-type wireless terminal on which a related application is displayed on a screen. The smart telephone banking service method according to claim 9, wherein the application is activated by automatically dialing a telephone banking representative number of the financial company when the user operates the application. The method as claimed in claim 9, wherein the login step further comprises inputting an authorized certificate and an ID / PASSWORD. The smart telephone banking service method according to claim 9, wherein the telemarketing financial transaction is a smart phone banking service method in which a corresponding announcement is displayed on a smartphone screen according to an inputted number of a smartphone dial of a user . The method according to claim 9 or 13, wherein the financial transaction is displayed on the smartphone screen of the user according to the number inputted by the customer, such as an account inquiry, an account transfer, a balance inquiry, Is performed by inputting one or more numbers by pressing one or more numbers corresponding to Korean characters, numbers and alphabets displayed on the screen of the terminal, or by inputting characters corresponding to corresponding numbers written on a dial provided by a financial institution A smart telephone banking service method in which a screen is displayed. The smart telephone banking service method according to claim 14, wherein the information inputted in the process of inputting the remitter or remittee information is smart phone touch type information using an ARS device.

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