KR20140066467A - Method of processing credit transfer using speech recognition and apparatus performing the same - Google Patents

Method of processing credit transfer using speech recognition and apparatus performing the same Download PDF

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Publication number
KR20140066467A
KR20140066467A KR1020120133725A KR20120133725A KR20140066467A KR 20140066467 A KR20140066467 A KR 20140066467A KR 1020120133725 A KR1020120133725 A KR 1020120133725A KR 20120133725 A KR20120133725 A KR 20120133725A KR 20140066467 A KR20140066467 A KR 20140066467A
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KR
South Korea
Prior art keywords
account
transfer
deposit
user
opened
Prior art date
Application number
KR1020120133725A
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Korean (ko)
Inventor
박용신
서승연
정진수
김정우
이용희
Original Assignee
주식회사 우리은행
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Priority to KR1020120133725A priority Critical patent/KR20140066467A/en
Publication of KR20140066467A publication Critical patent/KR20140066467A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/209—Specified transaction journal output feature, e.g. printed receipt or voice output
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G10—MUSICAL INSTRUMENTS; ACOUSTICS
    • G10L—SPEECH ANALYSIS OR SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING; SPEECH OR AUDIO CODING OR DECODING
    • G10L15/00—Speech recognition
    • G10L15/02—Feature extraction for speech recognition; Selection of recognition unit
    • G—PHYSICS
    • G10—MUSICAL INSTRUMENTS; ACOUSTICS
    • G10L—SPEECH ANALYSIS OR SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING; SPEECH OR AUDIO CODING OR DECODING
    • G10L15/00—Speech recognition
    • G10L15/22—Procedures used during a speech recognition process, e.g. man-machine dialogue

Abstract

A method for processing a money transfer using voice recognition executed in a money transfer processing apparatus according to an embodiment of the present invention includes the steps of determining, when a user's uttered voice is received from a user, A transfer money amount and a deposit account from the transfer information corresponding to the user's utterance voice, and when the transfer money is matched with the account transfer execution command, the transfer money amount is transferred from the deposit account to the transfer account . Therefore, in the present invention, the transfer amount is withdrawn from the withdrawal account, and the transfer money is deposited in each of the plurality of deposit accounts, so that the transfer money can be processed through one authentication process.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for processing a money transfer using voice recognition,

Embodiments of the present invention relate to a method of processing money transfer using voice recognition and an apparatus for executing the method.

Banks use unmanned management devices such as cash dispensers, bankbooks, etc. to facilitate business processing and for the convenience of customers. In addition, the bank provides banking services using Internet communication so that users can go directly to the bank and view the balance and transfer the account (including remittance).

When a customer accesses a web page of a bank through the Internet and inputs a balance inquiry such as a bank account number (or account number) and a password for withdrawal and deposit or data necessary for transfer of money in the service screen, And then outputs the result on the screen of the customer's terminal to confirm the transaction completion.

Such an Internet banking is convenient because the customer can directly view the balance or transfer money at home or at work without going to the bank. However, there is a disadvantage that the customer must manually input the withdrawal, the bank account number to be deposited, and the password each time the customer transfers the account. In addition, the customer has to keep the note number with the account number well, and if the note is lost, the account number needs to be checked again.

In one embodiment of the present invention, the transfer amount is withdrawn from the withdrawal account and is deposited in each of the plurality of deposit accounts, thereby transferring the transfer amount to the banknote processing unit through voice recognition And a device for executing the method.

Although an embodiment of the present invention differs from a financial institution in which a plurality of deposit accounts for depositing a withdrawal account and a transfer amount are different from each other, if the number of accounts opened in a non-identical financial institution is less than a specific number, The present invention also provides a method for processing a money transfer using voice recognition for processing a transfer, and an apparatus for executing the method.

One embodiment of the present invention provides a method of processing a money transfer using voice recognition capable of withdrawing a transfer amount from a withdrawal account and processing a reservation transfer to each of a plurality of deposit accounts, and an apparatus for executing the account transfer method.

The problems to be solved by the present invention are not limited to the above-mentioned problem (s), and another problem (s) not mentioned can be clearly understood by those skilled in the art from the following description.

Among the embodiments, a method for processing a money transfer using voice recognition executed in a money transfer processing apparatus includes the steps of determining, when a user uttered voice is received from a user, which command the utterance voice matches, Detecting a withdrawal account, a transfer amount, and a deposit account from the transfer information corresponding to the user uttered voice if the payment instruction matches the execution command, and transferring the transfer amount to the deposit account by withdrawing the transfer amount from the withdrawal account do.

In one embodiment, the step of determining which instruction matches the user uttered voice further comprises the step of analyzing the user uttered voice to extract the voice feature information representing the shape of the voice and the semantic information representing the content of the voice .

In one embodiment, in the step of withdrawing the transfer amount from the withdrawal account and transferring the transfer amount to the transfer account, if the withdrawal account and the transfer account are opened in a financial institution that is not the same, And charging a fee at the time of processing.

In one embodiment, the step of withdrawing the transfer amount from the withdrawal account and transferring the transfer amount to the deposit account may include: if the number of the deposit accounts is two or more, And judging whether or not it has been opened.

In one embodiment, the step of determining whether each of the deposit accounts is opened in the same financial institution includes the step of imposing a fee at the time of depositing money into a deposit account opened in a financial institution which is not the same as the withdrawal account of the deposit account As shown in FIG.

In one embodiment, the step of determining whether each of the deposit accounts is opened in the same financial institution includes: if the number of deposit accounts opened in a financial institution that is not the same as the withdrawal account is less than a specific number, The method may further include the step of exempting the fee.

In one embodiment, the step of determining whether each of the deposit accounts is opened in the same financial institution includes: if the number of deposit accounts opened in a financial institution that is not the same as the withdrawal account is more than a specific number, The method may further include a step of discounting the fee according to the ratio of the deposit account opened in the non-identical financial institution.

In one embodiment, the method for processing a money transfer using voice recognition may further include a step of further withdrawing a transfer amount corresponding to the number of transfer accounts from the withdrawal account.

In an exemplary embodiment, the account transfer processing device may include a user utterance voice determination unit for determining which command the user uttered voice matches when receiving a user utterance voice from a user, and a user utterance voice determination unit for determining, And a money transfer control unit for detecting the withdrawal account, the transfer amount and the deposit account from the transfer information corresponding to the uttered voice, withdrawing the transfer amount from the withdrawal account, and transferring the transfer amount to the deposit account.

In one embodiment, when the user utterance voice determination unit receives the user utterance voice corresponding to the predetermined specific shape from the user, the user utterance voice determination unit can determine which command the utterance voice of the specific shape matches.

In one embodiment, if the withdrawal account and the deposit account are opened in a financial institution that is not the same, the account transfer control unit may charge a fee when depositing money into the deposit account.

In one embodiment, when the number of the deposit accounts is two or more, the account transfer control unit can determine whether the withdrawal account and the deposit account are opened in the same financial institution.

In one embodiment, the account transfer control unit may charge a fee for depositing money into a deposit account opened in a financial institution that is not the same as the deposit account of the deposit account.

In one embodiment, the account transfer control unit may exempt the transfer fee of the transfer account when the number of the deposit accounts opened in the financial institution that is not the same as the withdrawal account is less than a specific number.

In one embodiment, if the number of deposit accounts opened in a financial institution that is not the same as the withdrawal account of the deposit account is equal to or greater than a specific number, the account transfer control unit transfers, from the entire deposit account, The fee can be discounted according to the percentage of the total.

In one embodiment, the account transfer control unit may further withdraw a transfer amount corresponding to the number of transfer accounts from the withdrawal account.

The details of other embodiments are included in the detailed description and the accompanying drawings.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and / or features of the present invention, and how to accomplish them, will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. It should be understood, however, that the invention is not limited to the disclosed embodiments, but is capable of many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

According to an embodiment of the present invention, the transfer amount can be withdrawn from the withdrawal account and transferred to each of the plurality of deposit accounts, so that the transfer money can be processed through one authentication process when the transfer is made.

According to an embodiment of the present invention, if the number of accounts opened in a non-identical financial institution is equal to or less than a specific number although the withdrawal account and the transfer amount are different from each other, The transfer can be processed by exempting the fee.

According to an embodiment of the present invention, the transfer amount can be withdrawn from the withdrawal account and the reservation transfer can be processed for each of the plurality of deposit accounts.

1 is a network configuration diagram illustrating a bank transfer processing system according to an embodiment of the present invention.
2 is a block diagram for explaining a money transfer processing apparatus according to an embodiment of the present invention.
3 is a block diagram for explaining a money transfer processing apparatus according to another embodiment of the present invention.
4 is a flowchart for explaining an embodiment of a bank transfer processing method using speech recognition according to the present invention.
5 is a flowchart for explaining another embodiment of a method of processing a money transfer using voice recognition according to the present invention.
FIG. 6 is a flow chart for explaining another embodiment of a method of processing a money transfer using voice recognition according to the present invention.
FIG. 7 is a flowchart for explaining another embodiment of a method of processing a money transfer using voice recognition according to the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a network configuration diagram illustrating a bank transfer processing system according to an embodiment of the present invention.

Referring to FIG. 1, the account transfer processing system includes a transfer processing apparatus 100 and a user terminal 200. Here, the account transfer processing device 100 and the user terminal 200 may be connected via the Internet.

The account transfer processing device 100 may perform at least a part of real-time data exchange with the user terminal 200 in order to transfer the transfer amount to a plurality of deposit accounts. This money transfer processing apparatus 100 will be described in more detail below with reference to Fig.

The user terminal 200 is a transfer providing means that can be driven by a user. The user terminal 200 is a terminal having a central processing unit and a memory device such as a PC, a tablet PC, a smart phone, and the like.

The user terminal 200 maintains connection or communication with the account transfer processing device 100. In one embodiment, the user terminal 200 may load at least a portion of a mobile banking engine for connection to the account transfer processing device 100. For example, at least some of the predetermined operations required for the multi-transaction may be performed at the user terminal 200 for fast processing. In such an embodiment, the user terminal 200 may provide the account transfer processing device 100 with the result calculated by the mobile banking engine itself.

2 is a block diagram for explaining a money transfer processing apparatus according to an embodiment of the present invention.

2, the account transfer processing device 100 includes a communication unit 110, a user utterance voice determination unit 120, an account management unit 130, and a money transfer control unit 140, And may further include an information database 150.

The communication unit 110 can set or maintain a communication environment for data communication with the user terminal 200 under the control of the account transfer control unit 140. [

When the user utterance voice determination unit 120 receives the user utterance voice from the user, the user utterance voice determination unit 120 can determine which command the user utterance voice matches. The user utterance voice determination unit 120 may provide a command matching the user utterance voice to the account transfer control unit 120. [ In one embodiment, the user utterance voice determination unit 120 analyzes the user utterance voice to extract the voice feature information indicating the form of the voice and the semantic information indicating the contents of the voice to determine which command the user utterance voice is matched with . Here, the user utterance voice determination unit 120 may determine that the user utterance is terminated when a pause, which is a silent period, is continued for a specific time in the user utterance voice.

The account management unit 130 can open and manage an account at the request of the user.

In one embodiment, the account management unit 130 may open an account for providing a currency deposit and withdrawal service. The type of account may include at least one of free deposit and withdrawal, deposit, trust and deposit.

The account management unit 130 may additionally receive the additional information of the account from the user terminal 200 and apply it to the account. The additional information of the account may include at least one of a transfer limit amount for the account and a withdrawal limit amount. If the account is an account linked to an investment grade financial instrument, that is, if the account is at least one of a deposit, a trust, and a deposit, it may include financial instrument attribute information associated with the account.

In another embodiment, the account management unit 130 may open a negative account according to the user's credit rating. A negative account is an account that allows you to deduct a certain amount of money within a predetermined maximum amount according to your credit rating.

The account management unit 130 may store the account opening history when the opening of the account is completed at the request of the user.

In one embodiment, the account management unit 130 may store an account opening history per user (e.g., per user identifier). The account opening history may include information about a user associated with the account. The information about the user may include at least one of a country code, a customer classification, a customer name, a customer address, a region identification code, a telephone number, a company address, a business telephone number, an account number, an initial transaction date and a final transaction date.

The account management unit 130 may connect the account and the card at the request of the user.

In one embodiment, the account manager 130 may connect accounts and cards (e.g., cash cards, check cards, debit cards, and credit cards) 1: 1. For example, when the card A is used, the account management unit 130 may connect the account A to be withdrawn from the account B.

When the account transfer is executed by the account transfer control unit 140, the account management unit 130 can manage deposit and withdrawal for the account.

In one embodiment, the account management unit 130 may withdraw the transfer amount from the withdrawal account associated with the user terminal 200, deposit the transfer amount in each of the plurality of deposit accounts, and update the deposit amount of the withdrawal account. For example, when the withdrawal of 50,000 from the withdrawal account is determined by the account transfer control unit 140, the account management unit 130 withdraws 250,000 from the withdrawal account, deposits 50,000 to each of the plurality of withdrawal accounts, You can deduct 250,000 won from the deposit amount.

The account transfer control unit 140 may control the other components of the account transfer processing device 100 to deposit the transfer amount in a plurality of deposit accounts.

The account transfer control unit 140 can deposit the transfer amount in the withdrawal account using the voice recognition determination unit 120 and deposit the transfer amount in each of the plurality of accounts. For example, the account transfer control unit 140 may withdraw 100,000 won from the withdrawal account A by the voice recognition determination unit 120 and deposit the money in a plurality of accounts a, b, and c, respectively.

The account transfer control unit 140 may additionally charge a fee depending on whether the withdrawal account and the plurality of deposit accounts are opened in the same financial institution.

In one embodiment, if the withdrawal account and the plurality of deposit accounts are not opened in the same financial institution, the account transfer control unit 140 may transfer the withdrawal account from the financial institution that is not the same as the withdrawal account of the plurality of deposit accounts A fee may be additionally charged in the process of depositing money into the bank. For example, if the withdrawal account A is opened in our bank but an account corresponding to b and c among a plurality of deposit accounts a, b, c, d and e is not opened in our bank, the account transfer control unit 140, The withdrawal processing to the account corresponding to b and c can be further withdrawn from the withdrawal account A as the fee incurred.

In another embodiment, when the withdrawal account and the plurality of deposit accounts are opened in the same financial institution, the account transfer control unit 140 may not charge a fee when depositing money into the deposit account.

The account transfer control unit 140 may exempt the fee according to the number of accounts opened in a financial institution which is not the same as the withdrawal account among the plurality of deposit accounts.

In one embodiment, the account transfer control unit 140 may exempt the fee for the transfer if the number of deposit accounts opened in a financial institution that is not the same as the withdrawal account among the plurality of deposit accounts is equal to or less than a specific number. For example, if an account that is not the same as the withdrawal account is less than half of the total account number among the plurality of deposit accounts 5, the account transfer control unit 140 may exempt the fee generated in the process of depositing money into the account that is not the same .

The account transfer control unit 140 can deposit the amount in the deposit account at a predetermined time using the information received from the transfer information management unit 120. [ In one embodiment, the account transfer control unit 140 may withdraw the transfer amount from the withdrawal account at the reservation time and deposit the deposit money into each of the plurality of deposit accounts.

The voice recognition information database 150 may store the transfer information for the user uttered voice determined by the user.

In one embodiment, the voice recognition information database 150 may store transfer information corresponding to user uttered voice in correspondence. Here, the transfer information may include a withdrawal account, a transfer amount, and a deposit account. For example, the speech recognition information database 150 may store the user's utterance voice " Woori Bank transfer "in association with the transfer information.

The speech recognition information database 150 may store an execution command for the user utterance voice determined by the user. In one embodiment, the speech recognition information database 150 may store the user uttered speech corresponding to each execution command. Here, the execution command may include a transfer execution command and a page movement command.

3 is a block diagram for explaining a money transfer processing apparatus according to another embodiment of the present invention. 3, the same or corresponding contents as those described above with reference to FIG. 2 will be omitted, and a person skilled in the art will be able to refer to another embodiment of FIG. 3 It will be understandable enough.

The account transfer processing apparatus 100 disclosed in FIG. 3 may further include a transfer history database 160.

The transfer history database 160 can store transfer history information for each user (per user ID). For example, the transfer history database 160 may store a plurality of transfer accounts for user A in the transfer history database 160. [ For example, the transfer history database 160 may store the deposit accounts when the user A transfers the transfer amount to a plurality of deposit accounts. In this embodiment, the account transfer control unit 140 can determine a deposit account to be processed based on a deposit request stored in the transfer history database 160 based on a user's request. For example, if the user A recently transferred a specific amount to the accounts a, b and c, the account transfer control unit 140 withdraws the transfer amount from the withdrawal account at the request of the user and deposits the transfer amount to each of the accounts b and c .

Hereinafter, a method of processing a money transfer using voice recognition will be described with reference to FIG. 4 to FIG. Since the account transfer processing method using voice recognition described later is performed in the account transfer processing apparatus 100 described above, the corresponding contents will not be described in duplicate, but those skilled in the art will appreciate that the above- One embodiment of the method of processing a bank transfer can be understood.

4 is a flowchart for explaining an embodiment of a bank transfer processing method using speech recognition according to the present invention. The embodiment of FIG. 4 relates to an embodiment in which a transfer amount can be transferred to a specific account using transfer information corresponding to speech recognition.

Upon receiving the user's utterance voice from the user, the account transfer processing device 100 determines which command the user utterance voice matches (step S410). When the user's utterance voice is matched with the account transfer execution command (step S420), the account transfer processing device 100 detects the withdrawal account, the transfer amount, and the deposit account from the transfer information corresponding to the user uttered voice (step S430). The account transfer processing device 100 withdraws the transfer amount from the withdrawal account and transfers the transfer amount to the transfer account (step S440).

5 is a flowchart for explaining another embodiment of a method of processing a money transfer using voice recognition according to the present invention. An embodiment disclosed in FIG. 5 relates to an embodiment capable of processing a fee that arises when a withdrawal account and a plurality of deposit accounts are opened in a financial institution that is not the same.

5, when the account transfer processing apparatus 100 receives a user's uttered speech from a user, the user transfers the received command to the account transfer processing apparatus 100, (Step S510). When the user's utterance voice is matched to the account transfer execution command (step S520), the account transfer processing device 100 detects the withdrawal account, the transfer amount, and the deposit account from the transfer information corresponding to the user uttered voice (step S530). The account transfer processing device 100 determines whether the withdrawal account and the plurality of deposit accounts are opened in the same financial institution (step S540). If the withdrawal account and the plurality of deposit accounts are not opened in the same financial institution (step S550), the account transfer processing device 100 proceeds to step S550. A fee is charged for depositing the transfer amount to the deposit account opened in the financial institution which is not the same as the withdrawal account (step S560).

FIG. 6 is a flow chart for explaining another embodiment of a method of processing a money transfer using voice recognition according to the present invention. An embodiment disclosed in FIG. 6 relates to an embodiment in which fees can be exempted when a withdrawal account and a plurality of deposit accounts are opened in the same financial institution.

6, when the account transfer processing apparatus 100 receives a user's uttered speech from a user, the user's utterance speech is matched to a certain command (Step S610). When the user's utterance voice is matched with the account transfer execution command (step S620), the account transfer processing device 100 detects the withdrawal account, the transfer amount, and the deposit account from the transfer information corresponding to the user uttered voice (step S630). If the withdrawal account and the plurality of deposit accounts are not opened in the same financial institution (step S640), the account transfer processing device 100 counts the number of deposit accounts opened in the financial institution that is not the same as the withdrawal account S650). If the number of deposit accounts opened in a financial institution that is not the same as the withdrawal account is less than or equal to a specific number (step S660), the account transfer processing apparatus 100 waits for the transfer fee (step S670).

FIG. 7 is a flowchart for explaining another embodiment of a method of processing a money transfer using voice recognition according to the present invention. One embodiment disclosed in FIG. 7 relates to an embodiment in which a fee can be discounted when a withdrawal account and a plurality of deposit accounts are opened in a financial institution that is not the same.

7, the account transfer processing apparatus 100 receives a user's uttered voice from a user, and when the user's utterance voice is matched to an instruction (Step S710). When the user's utterance voice is matched with the account transfer execution command (step S720), the account transfer processing device 100 detects the withdrawal account, the transfer amount, and the deposit account from the transfer information corresponding to the user uttered voice (step S730). If the withdrawal account and the plurality of deposit accounts are not opened in the same financial institution (step S740), the account transfer processing device 100 counts the number of deposit accounts opened in the financial institution which is not the same as the withdrawal account S750). If the number of deposit accounts opened in a financial institution that is not the same as the withdrawal account is greater than or equal to a specific number (step S760), the account transfer processing apparatus 100 transmits a deposit account (Step S770).

Embodiments of the present invention include computer readable media including program instructions for performing various computer implemented operations. The computer-readable medium may include program instructions, local data files, local data structures, etc., alone or in combination. The media may be those specially designed and constructed for the present invention or may be those known to those skilled in the computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floppy disks, and ROMs, And hardware devices specifically configured to store and execute the same program instructions. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the scope of the appended claims and equivalents thereof.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, Modification is possible. Accordingly, the spirit of the present invention should be understood only in accordance with the following claims, and all equivalents or equivalent variations thereof are included in the scope of the present invention.

100: Money transfer processing device
110:
120: User speaking voice determination unit
130:
140: Money transfer control unit
150: voice recognition information database
160: Transfer history database
200: user terminal

Claims (16)

A bank transfer processing method executed by a money transfer processing apparatus,
Receiving a user utterance voice from a user, determining which command the user utterance voice matches; And
If the user utterance voice matches the account transfer execution command, detects the withdrawal account, the transfer amount and the deposit account from the transfer information corresponding to the user uttered voice, withdraws the transfer amount from the withdrawal account, And transferring the amount of money.
2. The method of claim 1, wherein determining if the user utterance speech matches an instruction
Further comprising the step of analyzing the user uttered voice to extract the voice feature information indicating the form of the voice and the semantic information indicating the contents of the voice.
The method of claim 1, wherein the step of withdrawing the transfer amount from the withdrawal account and transferring the transfer amount to the transfer account
Further comprising the step of imposing a fee when depositing money in the deposit account if the withdrawal account and the deposit account are opened in a financial institution that is not the same.
The method of claim 1, wherein the step of withdrawing the transfer amount from the withdrawal account and transferring the transfer amount to the transfer account
Further comprising the step of determining whether the withdrawal account and the deposit account are opened in the same financial institution when the number of the deposit accounts is two or more, respectively.
5. The method of claim 4, wherein the step of determining whether each of the deposit accounts is opened in the same financial institution
Further comprising the step of imposing a fee in the case of depositing money into a deposit account opened in a financial institution which is not the same as the deposit account of the deposit account.
5. The method of claim 4, wherein the step of determining whether each of the deposit accounts is opened in the same financial institution
Further comprising the step of exempting the fee for the transfer if the number of deposit accounts opened in the financial institution that is not the same as the withdrawal account is less than or equal to a certain number of the deposit accounts.
5. The method of claim 4, wherein the step of determining whether each of the deposit accounts is opened in the same financial institution
If the number of deposit accounts opened in a financial institution that is not the same as the withdrawal account is more than a specific number among the deposit accounts, discounting the fee in accordance with a ratio of the deposit accounts opened in the non-identical financial institution in the entire deposit account Further comprising the steps of: (a) receiving the money from the user;
5. The method of claim 4,
Further comprising withdrawing a transfer amount corresponding to the number of depositing accounts from the withdrawal account.
A user utterance voice determination unit for determining which command the user utterance voice matches when receiving a user utterance voice from a user; And
If the user utterance voice matches the account transfer execution command, detects the withdrawal account, the transfer amount and the deposit account from the transfer information corresponding to the user uttered voice, withdraws the transfer amount from the withdrawal account, And a money transfer control unit for transferring the money.
10. The apparatus according to claim 9, wherein the user utterance voice determination unit
And analyzing the user uttered voice to extract the voice feature information indicating the form of the voice and the semantic information indicating the contents of the voice.
The system according to claim 9, wherein the account transfer control unit
And when the withdrawal account and the deposit account are opened in a financial institution that is not the same, a fee is charged at the time of transfer to the deposit account.
The system according to claim 9, wherein the account transfer control unit
If the number of the deposit accounts is two or more, determines whether the withdrawal account and the deposit account are opened in the same financial institution.
13. The system according to claim 12, wherein the account transfer control unit
And a fee is charged when depositing money into a deposit account opened in a financial institution which is not the same as the withdrawal account of the deposit account.
13. The system according to claim 12, wherein the account transfer control unit
If the number of deposit accounts opened in a financial institution that is not the same as the withdrawal account is not more than a specified number of the deposit accounts, waits the commission of the transfer.
13. The system according to claim 12, wherein the account transfer control unit
If the number of the depositing accounts opened in the financial institution that is not the same as the withdrawal account is more than a specific number among the deposit accounts, the fee is discounted according to the ratio of the depositing accounts opened in the non-identical financial institutions in the entire depositing account (1).
13. The system according to claim 12, wherein the account transfer control unit
And withdraws a transfer amount corresponding to the number of deposit accounts from the withdrawal account.
KR1020120133725A 2012-11-23 2012-11-23 Method of processing credit transfer using speech recognition and apparatus performing the same KR20140066467A (en)

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KR20160127911A (en) * 2015-04-28 2016-11-07 주식회사 디오티스 Method for Providing Phone Banking based on Sentence Structure Recognition by using Linkage of Different Network
WO2018093229A1 (en) * 2016-11-21 2018-05-24 Samsung Electronics Co., Ltd. Method and device applying artificial intelligence to send money by using voice input
KR20180057507A (en) * 2016-11-21 2018-05-30 삼성전자주식회사 Device and method for sending money using voice
CN108899035A (en) * 2018-08-02 2018-11-27 科大讯飞股份有限公司 Message treatment method and device
WO2019212213A1 (en) * 2018-05-04 2019-11-07 Samsung Electronics Co., Ltd. Electronic device and method of executing function of electronic device
CN111429143A (en) * 2019-01-10 2020-07-17 上海小蚁科技有限公司 Transfer method, device, storage medium and terminal based on voiceprint recognition

Cited By (10)

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Publication number Priority date Publication date Assignee Title
KR20160127911A (en) * 2015-04-28 2016-11-07 주식회사 디오티스 Method for Providing Phone Banking based on Sentence Structure Recognition by using Linkage of Different Network
WO2018093229A1 (en) * 2016-11-21 2018-05-24 Samsung Electronics Co., Ltd. Method and device applying artificial intelligence to send money by using voice input
KR20180057507A (en) * 2016-11-21 2018-05-30 삼성전자주식회사 Device and method for sending money using voice
CN109983491A (en) * 2016-11-21 2019-07-05 三星电子株式会社 By artificial intelligence application in converging the method and apparatus of money by using voice input
US11605081B2 (en) 2016-11-21 2023-03-14 Samsung Electronics Co., Ltd. Method and device applying artificial intelligence to send money by using voice input
CN109983491B (en) * 2016-11-21 2023-12-29 三星电子株式会社 Method and apparatus for applying artificial intelligence to money collection by using voice input
WO2019212213A1 (en) * 2018-05-04 2019-11-07 Samsung Electronics Co., Ltd. Electronic device and method of executing function of electronic device
US10911910B2 (en) 2018-05-04 2021-02-02 Samsung Electronics Co., Ltd. Electronic device and method of executing function of electronic device
CN108899035A (en) * 2018-08-02 2018-11-27 科大讯飞股份有限公司 Message treatment method and device
CN111429143A (en) * 2019-01-10 2020-07-17 上海小蚁科技有限公司 Transfer method, device, storage medium and terminal based on voiceprint recognition

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