KR20140095441A - Apparatus and method for supporting task of customer of mobile banking, and mobile terminal for use by customer of mobile banking - Google Patents

Abstract

A waiting customer task supporting apparatus of a mobile banking includes: an employer terminal for processing counter services of a financial institution; and a mobile terminal which is formed to be able to communicate with the employer terminal and is for receiving inputs of a customer who relates to the counter services of the financial institution. The mobile terminal operates by converting multiple states which include: a first state which performs a data communication which is related to the counter services of a financial institution with the employer terminal; and a second state which is different from the first state. The mobile terminal is formed to minimize the waiting time of a customer or enable the customer to use waiting time usefully by performing operations including an image replay, a sound replay, a network address connection, and/or a customer input reception in order to support tasks of the customer during the second state.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a mobile banking mobile banking service and a mobile banking mobile banking service,

Embodiments relate to an apparatus and method for supporting a mobile banking service for a waiting customer and a mobile terminal for a mobile banking customer.

Recently, the format and contents of financial services have changed drastically due to the development of information technology. Although e-finance has advantages in terms of cost and efficiency compared to window systems, the role of window as a channel for expanding customer base and selling new products is newly emphasized. You can not completely replace the channel-in-the-window service.

Several years ago, some banks have deployed facilities (terminals, ATMs, etc.) and personnel needed for banking operations in specialized vehicles and operated a mobile-type mobile store that provides financial services and conducts sales activities while moving the place using wireless communication network . The mobile store has gained considerable popularity by serving customers in the summer beaches and various event venues. However, vehicle-type mobile shops have a considerably high price of equipment, physical space restrictions, and difficulty in properly operating the personnel. As a result of this huge cost and operational difficulties, most of the banks are only operating about 2 units and can not expand the vehicles to a large scale.

As a conventional technique related thereto, Korean Patent Laid-Open No. 10-2004-0036050 discloses a power supply device, a key input device, a money input device, a bill input device, a specification output printer, a bill dispenser, a display device, Discloses a financial transaction system that enables a financial transaction in a place other than a branch office and on the move using a wireless financial terminal including a transmission / reception device, a control and a transmission processing unit. However, the above description does not disclose an embodiment for concrete implementation of a wireless financial terminal, and the disclosed wireless financial terminal is a dedicated device for financing processing and has limitations on mobility and cost reduction.

In financial services, there are a number of tasks that require a lot of time for customers to create their own documents, such as opening new accounts and applying for loans. Since they have to deal with the staff in charge of mobile banking, . There is a case where an employee in charge of a financial transaction system (hereinafter referred to as mobile banking) that enables financial transactions in a place other than a branch office and a mobile terminal by using a wireless financial terminal suddenly faces a large number of customers, There is a problem in that it is necessary to wait for the time required for all other customers whose turnover is faster than that of their own. In particular, mobile banking has a smaller number of employees than offline banking. Therefore, the waiting time of customers is relatively long, so customers can feel bored when processing financial business.

Japanese Patent Application Laid-Open No. 10-2004-0036050

According to an aspect of the present invention, in a mobile banking that dramatically reduces costs and maximizes customer contact by providing a mobile financial service to a sales person anywhere a customer wants, mobile banking in which a small amount of manpower is input, The present invention can provide a business support apparatus for a standby customer of mobile banking and a method thereof and a mobile terminal for a mobile banking customer, which can utilize waiting time of customers to utilize usefully or minimize waiting time.

An apparatus for supporting a waiting customer for mobile banking according to an exemplary embodiment includes an employee terminal for processing a window service of a financial institution; And a mobile terminal configured to be able to communicate with the employee terminal, the mobile terminal receiving input of a customer's input related to the window service of the financial institution. At this time, the mobile terminal operates to switch between a plurality of states including a first state for performing data communication associated with the staff terminal and a counterpart operation of the financial institution, and a second state different from the first state , And may be configured to perform a preset operation for assisting the customer's business while in the second state.

A mobile terminal for a mobile banking customer according to an exemplary embodiment includes a communication unit configured to communicate with an employee terminal for processing a counter service of a financial institution; An input unit for inputting customer input items related to the counter service of the financial institution; And the mobile terminal switches between a plurality of states including a first state in which the communication unit performs data communication associated with the office terminal of the financial institution and a second state different from the first state, And a controller for controlling the mobile terminal to perform a predetermined operation for assisting a customer's business while in the second state.

A method of supporting a mobile banking service for a standby customer according to an exemplary embodiment of the present invention is a method for supporting a business for a standby customer by switching between a first state and a second state different from the first state, Performing data communication associated with the counter service of the terminal; And performing the predetermined operation for supporting the business of the customer during the second state of the mobile terminal.

According to one embodiment, a computer program for causing a mobile terminal to perform a method of supporting business for a waiting customer of mobile banking described above may be recorded in the computer-readable recording medium.

According to one aspect of the present invention, there is provided a mobile terminal for a mobile banking customer, and an apparatus and method for supporting a waiting customer for mobile banking using the same, , It is possible to utilize the waiting time of customers generated due to the nature of mobile banking, in which a small number of manpower is input, and / or to minimize the waiting time of customers There is an advantage.

FIG. 1 is a diagram illustrating an exemplary configuration of a mobile banking system using a mobile banking business support apparatus for a waiting customer according to an exemplary embodiment.
2 is a diagram showing an exemplary configuration of a smart kit including a business support apparatus for a standby customer of mobile banking according to an embodiment.
3 is a schematic block diagram of a mobile terminal for a mobile banking customer according to one embodiment.

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

FIG. 1 is a diagram illustrating an exemplary configuration of a mobile banking system using a mobile banking service supporting apparatus for a waiting customer according to an exemplary embodiment of the present invention. Fig. 2 is a diagram showing an exemplary configuration of a smart kit including a support device.

Referring to FIGS. 1 and 2, an apparatus for supporting a waiting customer for mobile banking according to an exemplary embodiment of the present invention may include an employee terminal 100 and a mobile terminal 110. The employee terminal (100) is a device used by a financial institution employee in charge of mobile banking to process a customer's window service. The employee terminal 100 can process the window service of the financial institution by controlling the mobile terminal 110 and other components while performing data communication with the communication equipment 120. [ The mobile terminal 110 is a terminal for use by the customer of the mobile banking. The mobile banking customer terminal according to embodiments of the present invention is intended to refer to the mobile terminal 110 as shown in FIG. The mobile terminal 110 is wired and / or wirelessly connected to the employee terminal 100, displays information to be displayed to the customer, and receives information directly input by the customer.

The employee terminal 100 and the mobile terminal 110 may be any computing device that is portable and capable of sending and receiving data via a wired and / or wireless network. For example, each of the employee terminal 100 and the mobile terminal 110 may be a mobile communication terminal such as a smart phone, a mobile internet device, a notebook computer, a personal digital assistant (PDA) A tablet computer, a set-top box, or the like. FIG. 2 shows a notebook computer as an employee terminal 100 and a tablet computer having a touchpad or a touchscreen function as a mobile terminal 110. However, It is not.

In one embodiment, the business support device for a standby customer of mobile banking may further include a financial service specific device 140. [ The financial service dedicated equipment 140 is an apparatus for communicating with the employee terminal 100 and / or the mobile terminal 110 in a communicative manner to process the financial service exclusively and includes, for example, a passbook printer, a card issuer But is not limited thereto.

In one embodiment, the business support device for mobile customers of the mobile banking may further include a wireless security device 160. [ The wireless security device 160 may be made in a portable form (e.g., a wristwatch) to prevent equipment loss and security incidents. The wireless security device 160 may include a first wireless security device and a second wireless security device of the same configuration worn by two staff members (e.g., employees and clients). The wireless security device 160 may be paired with the employee terminal 100, the customer terminal 110, and / or the third terminal and may be paired with the third terminal to enter a secure mode by predetermined conditions and / The wireless security device 160 may enter an alarm mode to inform a security risk when the wireless security device 160 is separated from the paired terminal by a predetermined distance or more. Here, the third terminal may be a mobile terminal such as a personal mobile phone or a smart phone possessed by the two employees in charge.

In one embodiment, the employee terminal 100, the mobile terminal 110, the communication equipment 120, and the financial services only device 140 may be housed in one or more smart cases. For example, the first smart case 130 may house the employee terminal 100, the customer terminal 110, the communication device 120 including the communication modem and the VPN hardware device, and the scanner, 2 smart case 150 can house financial service dedicated equipment 140 including passbook printer and card issuer.

Each of the first and second smart cases 130 and 150 is formed as a bag comprising an upper portion and a lower portion. The first and second smart cases 130 and 150 are waterproof and equipped with a handle for movement, , A power connector for external power supply, a cable wiring, a connector (for example, a universal serial bus (USB)) for cable connection between equipment, and cable wiring. The first smart case 130 may include a first connector (not shown) having a power connector and a USB connector on one side thereof. In addition, the second smart case 150 includes a second connector (not shown) including a power connector and a USB connector that can be coupled to the first connector on one side, and a second connector And a cable (not shown). In addition, the first and second smart cases 130 and 150 are made of a material having durability against external impact in order to protect the equipment when moving, and it is possible to attach and detach wheels for movement, Can be installed.

With this structure, it is possible to easily install the equipment at the mobile installation site, and the staff can handle the business like at the financial institution window. However, it should be understood that the above-described smart case type and accommodating mode are merely exemplary, and that the components of the smart case can be configured in various different forms as needed. For example, in one embodiment of the present invention, the smart case is composed of two, but it is also possible to use one smart case through miniaturization of the equipment in the future.

Also, in one embodiment, a mobile device (not shown) for providing mobile banking services, including one or more of the components of the first smart case 130, the components of the second smart case 150, and one or more wireless security devices 160 A smart kit can be constructed.

The mobile banking business support apparatus for waiting customers can be configured to perform the window service of the financial institution while transmitting and receiving data to and from the IT control center 180 of the financial institution using the communication equipment 120. [ The communication device 120 is a device for establishing a wireless data communication channel and a secure network by being connected to the employee terminal 100 and / or the mobile terminal 110. The communication device 120 may be a third generation (3G) A 4G communication modem for wireless communication, a virtual private network (VPN) hardware device for data communication security, and the like. The VPN may be implemented as a hardware device for enhancing security, but a method implemented in software by the employee terminal 100 or the mobile terminal 110 may be used. In order to reduce the size of the smart kit, the entire communication device 120 may be implemented in the employee terminal 100. In this case, the employee terminal 100 includes a communication modem, 0.0 > 100). ≪ / RTI >

The communication device 120 may communicate with the IT control center 180 of the financial institution through a communication network or a network 170 in a wireless communication manner. The communication network or network 170 is a wired or wireless communication network that includes both a wireless data communication network between a smart card communication modem and a mobile communication base station and a wired network between the mobile communication base station and the IT control center 180 . In addition, a VPN can be configured between the smart kit VPN hardware equipment and the VPN hardware equipment of the IT control center 180. The IT control center 180 may include a router, VPN hardware equipment, backbone equipment, and an integrated terminal server for managing and remotely controlling the employee terminal 100 and the customer terminal 110.

The wireless communication methods disclosed herein may include any communication method that objects and objects may network, and are not limited to 3G, 4G, or otherwise. For example, the wireless communication may be a wireless LAN (Local Area Network), a Metropolitan Area Network (MAN), a Global System for Mobile Network (GSM), an Enhanced Data GSM Environment (EDGE), a High Speed Downlink Packet Access (HSDPA) (CDMA), Code Division Multiple Access (CDMA), Time Division Multiple Access (TDMA), Bluetooth, Zigbee, Wi-Fi, Voice over Internet Protocol ), LTE Advanced, IEEE 802.16m, WirelessMAN-Advanced, HSPA +, 3GPP Long Term Evolution (LTE), Mobile WiMAX (IEEE 802.16e), UMB (formerly EV-DO Rev. IEEE 802.20) systems, HIPERMAN, Beam-Division Multiple Access (BDMA), Wi-MAX (World Interoperability for Microwave Access) and ultrasound-enabled communications, But is not limited to.

Although FIG. 1 shows that the employee terminal 100 performs data communication with one mobile terminal 110, in reality, the employee terminal 100 has a plurality of clients corresponding to a plurality of customers And may perform data communication with the mobile terminal 110. Therefore, each customer using the mobile terminal 110 may have to wait for a time for the staff member to use the employee terminal 100 to process the work of the other customers. Particularly, mobile banking requires a smaller number of manpower than offline banking, so that the waiting time of customers is relatively long.

In the mobile banking business support apparatus for a waiting customer according to the embodiments, the mobile terminal 110 is configured to enable the customer's business support during the standby time. Specifically, the mobile terminal 110 for the mobile banking customer according to the embodiments is a state in which the mobile terminal 110 performs data communication with the employee terminal 100 in association with the counter service of the financial institution (in this specification, (Also referred to as a "first state"), and one or more other states that are different from one another (also referred to herein as a "second state"). Here, the other state (i.e., the second state) corresponds to the waiting time of the customer at least partially, with the state where the mobile terminal 110 has a different time period excluding the time for performing the data communication for the ticketing service of the financial institution .

For example, the second state is a state in which the mobile terminal 110 and the employee terminal 100 are connected to each other because the employee is handling another customer's work even if the business process is not requested by the customer, A state in which data communication between the mobile station and the base station is not started. The second state is a state in which data communication between the mobile terminal 110 and the employee terminal 100 is started and the mobile terminal 110 transmits predetermined data (for example, customer input items) to the employee terminal 100 And a state of waiting for the response data to be received from the employee terminal 100 thereafter. Further, the second state may include a state in which data communication between the mobile terminal 110 and the employee terminal 100 related to the processing of the customer is completed.

The mobile terminal 110 according to the embodiments may be configured to be able to communicate with the employee terminal 100 while the mobile terminal 110 is in another state except for performing data communication with the employee terminal 100 ) Is configured to perform a predetermined operation for supporting the business of the customer. That is, the mobile terminal 110 transmits data to the employee terminal 100 before the data communication with the employee terminal 100 is started, and then waits for the response data therefrom, and / It is possible to perform a predetermined operation for supporting the business at the same time after the data communication with the mobile terminal 100 is terminated. The preset operation may refer to various operations such as image reproduction, sound reproduction, network address connection, reception of input items, or a combination thereof, and is not limited to a specific operation. This will be described in detail later.

Meanwhile, in one embodiment, the mobile terminal 110, which is a mobile banking customer terminal, includes a first customer terminal for use by a customer who performs actual financial affairs with a staff member, and a second customer terminal for use by a waiting customer For example. The second customer terminal may be a plurality of terminals. In this case, the business support operation described above may be performed using the second customer terminal used by the waiting customer. That is, the waiting customer can receive business support through the second customer terminal, for example, selecting the business to be processed during the waiting time or watching the marketing contents. When the wait is completed and the financial transaction processing time of the customer is reached, the second customer terminal can be connected to the employee terminal 100 by wire and / or wirelessly and process the service. Alternatively, after only the input items of the customer entered in advance in the second customer terminal are transferred from the second customer terminal to the employee terminal 100, the first customer terminal for actual financial transaction processing is paid to the customer It is possible.

3 is a schematic block diagram of a mobile terminal for a mobile banking customer according to one embodiment. For example, the mobile terminal 110 of the above-described embodiment with reference to FIG. 1 may have the configuration as shown in FIG.

Referring to FIG. 3, a mobile terminal for a mobile banking customer according to an embodiment may include a communication unit 310 and a control unit 320. The communication unit 310 is a part for the mobile terminal to perform data communication related to the financial institution window service of the customer by communicating with the employee terminal and / or the communication equipment. The control unit 320 may be configured to control the communication unit 310 to communicate with the communication unit 310 at least partially based on the communication state of the communication unit 310, The mobile terminal controls the mobile terminal to perform a preset operation for supporting the business.

In one embodiment, a mobile terminal for a mobile banking customer may further include an input 330 and an output 340. The input unit 330 is a part for receiving input from the customer by the mobile terminal, and the output unit 340 is a part for displaying information to be displayed to the customer on the mobile terminal in the form of video, sound, and / to be. In an embodiment, the input unit 330 and the output unit 340 may be integrated in a form of a touch screen capable of receiving a touch input while outputting an image, but the present invention is not limited thereto.

In one embodiment, the mobile terminal for the mobile banking customer may further include a storage unit 350. The storage unit 350 is a local storage for storing one or a plurality of contents that can be reproduced in a mobile terminal for presentation to a customer. For example, one or more contents that can be reproduced through the output unit 340 may be stored in the storage unit 350 for business support of the customer.

Some examples of business support operations by the mobile terminal for mobile banking customers according to the embodiments described above will be described as follows.

In one embodiment, the actions that the mobile terminal performs during the customer ' s waiting time may include the reproduction of marketing content. The marketing task of a financial institution is necessary in a place where there is a point of contact with a customer. In the past, marketing that is specialized for customers meeting through mobile banking has not been performed at all. In this embodiment, the mobile terminal may play back content including characters, images and / or sound on the output unit 340 on the mobile terminal for marketing of the financial institution during the waiting time of the customer. Such contents may be stored in advance in the storage unit 350 of the mobile terminal and may be stored in the memory and output or may be connected to the specific network address (for example, an IT control center or a related server of a financial institution) It can also be output in a format that is downloaded or streamed.

At this time, the mobile terminal may receive the customer's input on the marketing content output on the mobile terminal, and may further perform an additional operation based on the received customer input. For example, the mobile terminal may display the digital catalog of the financial product during the customer's waiting time, and the customer may request detailed information about the specific financial product using the input unit 330 of the mobile terminal. When a customer requests detailed information, the mobile terminal may connect with a remote server so that a financial consultant can talk to the person in charge of the financial product. This consultation history is stored on a remote server and can be used as a material for future target marketing.

In one embodiment, the actions that the mobile terminal performs during the customer ' s waiting time may include receiving input from the customer associated with the financial institution ' s window service. Since financial services often take many hours to prepare documents themselves, such as opening new accounts or applying for loans, the mobile terminal receives the desired job information of the customer in advance during the waiting time of the customer, You may also be able to enter additional information about your desired job. For example, a customer selects a job for applying for a credit card using a mobile terminal, and inputs a resident registration number, an address, a passbook number, a selection card information, a traffic card usage related information, a platinum card information Etc. can be input in detail.

After the waiting time of the customer ends and communication between the contact person terminal and the customer's mobile terminal is started, the communication unit 310 of the mobile terminal can transmit the customer input items, such as the desired task information and the necessary information, have. Therefore, as soon as the waiting time is over, information such as pre-selected tasks and related documents is automatically transferred to the employee terminal, so that the employee terminal can process the work faster.

In addition, the mobile terminal may reproduce the content determined based on the contents inputted by the customer during the standby time among the plurality of contents set in advance on the mobile terminal during the waiting time of the customer. For example, after a customer has selected a credit card application and entered the required information, the wait time may not yet expire. In this case, the control unit 320 of the mobile terminal analyzes customer input items inputted to the input unit 330 to grasp the desired service of the customer, and receives the credit card information as content related to the desired service of the corresponding customer among a plurality of contents, A credit card benefit guidance, a usage guide, and the like on the output unit 340. Such contents may be stored in advance in the storage unit 350 of the mobile terminal, or may be downloaded or streamed through the communication unit 310 by connecting to a predetermined network address.

In one embodiment, the actions that the mobile terminal performs during the customer's waiting time may be determined based on the location information of the mobile terminal. In this case, the controller 320 of the mobile terminal acquires position information of the mobile terminal from a Global Positioning System (GPS) module (not shown) mounted on the mobile terminal, The operation to be performed may be determined. For example, when the present embodiment is used in combination with the reproduction of marketing content, the control unit 320 may perform a marketing related to a financial institution at an adjacent position from the current position of the mobile terminal, And output the content on the output unit 340. [

In one embodiment, the operations performed by the mobile terminal during the customer's waiting time may be automatically determined based on information transmitted from the mobile terminal to the employee terminal and / or information transmitted from the employee terminal to the mobile terminal. The control unit 320 monitors data transmitted from the mobile terminal or received from the mobile terminal by the communication unit 310, and transmits the data to the corresponding mobile terminal Based on the data, the mobile terminal can determine the task to perform during the waiting time. For example, when the communication unit 310 of the mobile terminal exchanges data related to the credit card application service with the employee terminal, the control unit 320 monitors the data, and when the waiting time of the customer starts, It is possible to reproduce relevant contents on the output unit 340 that a customer may be interested in.

The above-described business support operations are only a few examples of operations that can be performed by the mobile terminal for mobile banking customers according to embodiments, and the mobile terminal minimizes the waiting time of the customer and / Other various operations that can utilize time in different ways can be performed. Accordingly, the business support operations that can be performed by the mobile terminal according to the embodiments are not limited to those described in connection with the embodiments of the present disclosure, and perform data communication related to the window service of the employee terminal and the financial institution And may include any operation that can be performed during a standby time of a customer using the mobile terminal in the mobile terminal configured to perform the operation.

In addition, the mobile banking business support method for a waiting customer according to embodiments may be at least partially implemented in a computer program and recorded in a computer-readable recording medium. In the recording medium according to the embodiments, a program for implementing an operation by a mobile banking business support method for a waiting customer is recorded, and the recording medium may be a recording medium of any kind capable of storing data that can be read by a computer Device. For example, the computer-readable recording medium includes a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like, and also includes a carrier wave (for example, And the like. The computer readable recording medium may also be distributed over a networked computer system so that computer readable code is stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing the present embodiment may be easily understood by those skilled in the art to which this embodiment belongs.

While the invention has been shown and described with reference to certain embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. However, it should be understood that such modifications are within the technical scope of the present invention. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

Claims (22)

An employee terminal for handling the window service of a financial institution; And
And a mobile terminal configured to be able to communicate with the employee terminal, the mobile terminal receiving input information of a customer related to the counter service of the financial institution,
Wherein the mobile terminal is operative to switch between a plurality of states including a first state for performing data communication associated with the staff terminal and the counterpart task of the financial institution and a second state different from the first state, Wherein the mobile banking server is configured to perform a predetermined operation to support a customer's business while in a second state.
The method according to claim 1,
Wherein the preset operation includes at least one of video playback, sound playback, network address access, and input item reception.
3. The method of claim 2,
Wherein the predetermined operation includes playing the marketing content on the mobile terminal.
The method according to claim 1,
Wherein the predetermined action includes receiving a customer input associated with the ticketing service of the financial institution before the first condition is initiated,
Wherein the mobile terminal is further configured to transmit the customer entry to the employee terminal in response to initiating the first state.
5. The method of claim 4,
Wherein the predetermined operation further comprises outputting contents determined on the basis of the customer input items on the mobile terminal.
5. The method of claim 4,
Wherein the second state corresponds to a time interval in which the mobile terminal waits for response data on the customer input items from the employee terminal.
The method according to claim 1,
Wherein the predetermined operation is determined based on at least one of data transmitted from the mobile terminal to the employee terminal and data transmitted from the employee terminal to the mobile terminal. Device.
A mobile terminal for a mobile banking customer,
A communication unit configured to be capable of communicating with an employee terminal for processing a window service of a financial institution;
An input unit for inputting customer input items related to the counter service of the financial institution; And
Wherein the mobile terminal is configured to switch between a plurality of states including a first state in which the communication unit performs data communication associated with the office terminal of the financial institution and a second state different from the first state, And a controller for controlling the mobile terminal so as to perform a preset operation for assisting the customer's business while the mobile terminal is in the second state.
9. The method of claim 8,
Wherein the predetermined operation includes at least one of video playback, sound playback, network address access, and input item reception.
10. The method of claim 9,
Wherein the predetermined operation comprises playing the marketing content on the mobile terminal.
9. The method of claim 8,
Wherein the predetermined action includes receiving a customer input associated with the ticketing service of the financial institution before the first condition is initiated,
Wherein the communication unit is configured to transmit the customer input item to the employee terminal in response to the start of the first state.
12. The method of claim 11,
Wherein the predetermined operation further comprises playing the content determined on the basis of the customer input on the mobile terminal.
12. The method of claim 11,
Wherein the second state corresponds to a time interval in which the communication unit waits for response data on the customer input items from the employee terminal.
9. The method of claim 8,
Wherein the predetermined operation is determined based on at least one of data transmitted from the mobile terminal to the employee terminal and data transmitted from the employee terminal to the mobile terminal.
The mobile terminal operating between switching between a first state and a second state different from the first state comprises performing data communication associated with a caretaker service of an employee terminal and a financial institution during the first state; And
And performing a predetermined operation for supporting a customer's business during the second state of the mobile terminal.
16. The method of claim 15,
Wherein the step of performing the predetermined operation includes performing at least one of video playback, sound playback, network address access, and input item reception.
17. The method of claim 16,
Wherein the step of performing the predetermined operation includes playing the marketing content on the mobile terminal.
16. The method of claim 15,
The step of performing the predetermined operation includes receiving, by the mobile terminal, customer input items related to the counterpart service of the financial institution before the first state is started,
Wherein the step of performing the data communication comprises the step of the mobile terminal transmitting the customer input item to the employee terminal in response to the start of the first state. How to support your business.
19. The method of claim 18,
Wherein the step of performing the predetermined operation further comprises the step of reproducing contents determined on the basis of the customer input items on the mobile terminal.
19. The method of claim 18,
Wherein the second state corresponds to a time interval in which the mobile terminal waits for response data on the customer input items from the employee terminal.
16. The method of claim 15,
Wherein the predetermined operation is determined based on at least one of data transmitted from the mobile terminal to the employee terminal and data transmitted from the employee terminal to the mobile terminal. How to Apply.
A mobile terminal operable to switch between a first state and a second state different from the first state comprises the steps of the mobile terminal performing data communication associated with the terminal of the financial institution and the terminal for the employee during the first state; And
And a step of performing a predetermined operation for supporting a business of a customer during the second state of the mobile terminal, wherein the computer program for performing a method of supporting a business for a waiting customer of mobile banking is recorded, Readable recording medium.

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