KR20160103650A - Finance service method using social branch and finance server thereof - Google Patents

Abstract

Disclosed are a financial service method using a social branch and a financial server performing the same. Herein, the financial service method using the social branch comprises: a step of allowing the financial server to subscribe new financial product which a user terminal requests; a step of matching and storing a social network service account which the user terminal transmits and the subscription information of the financial product; and a step of posting the financial product information which the user terminal subscribes on a wall of the social network service account in order to share with the friends of the social network service account.

Description

TECHNICAL FIELD [0001] The present invention relates to a financial service method using a social branch,

The present invention relates to a financial service method using a social branch and a financial server for performing the method.

Financial institutions such as banks sell financial products such as time deposits, periodic savings, and funds. The financial institution obtains the benefit by entrusting the funds from the subscribers of the relevant financial product, storing it and operating it, and paying a part thereof to the subscriber as interest. To this end, financial institutions are advertising their financial products through various media.

Meanwhile, a social network service (SNS) is a service used for information sharing such as cyber bulletin board service provided in an Internet cafe or social network management on various webs.

These social network services are used in conjunction with various services.

SUMMARY OF THE INVENTION Accordingly, it is an object of the present invention to provide a financial service method using a social branch capable of inducing sales of financial products in conjunction with a social network service, and a financial server for performing the method.

The financial service method according to an embodiment of the present invention includes a step of performing a new registration of a financial product requested by a user terminal, a step of matching the social network service account transmitted by the user terminal with the subscription information of the financial product, And publishing the financial product information subscribed by the user terminal to the wall of the social network service account so that it can be shared with friends of the social network service account.

The method may further include, after the step of posting, providing a preferential interest rate to the financial product.

The storing step may store and store a plurality of different social network service accounts and the subscription information.

A social branch for matching and storing the key values assigned to each of the plurality of social network service accounts and the subscription information may be used.

Transmitting a banking service screen to the user terminal after the publishing, performing a social network service login using an interworking application programming interface when a goods banner is clicked on the banking service screen, Performing identification authentication for the user terminal, and And exposing an introduction of a financial product related to the goods banner to a shake-up screen of a social network service account of the user terminal.

The method of claim 1, further comprising: after the step of exposing, detecting a visit to the user terminal, calling an authentication login of a novel network service channel associated with the linked application programming interface, Authenticating the user of the social network service by receiving the authentication information from the user terminal, and If the authentication of the user is successful, a step of earning points to the user terminal As shown in FIG.

Further comprising the steps of: issuing a gift tip or merchandise guide letter according to the point accumulation and transmitting the gift tip or merchandise guide letter to the user terminal after the accumulating step, And may include preferential benefit information that can be used when the financial product is newly registered.

According to another aspect of the present invention, there is provided a financial server comprising: an accounting unit for performing a new registration of a financial product requested by a user terminal, storing and matching the social network service account transmitted by the user terminal with the subscription information of the financial product, A social network service interworking unit for requesting a social network service server to publish financial product information subscribed to the user terminal on a wall of the social network service account so that the user can share the social network service account with friends of the social network service account; .

The account department may provide a preferential interest rate on the matching financial product.

The accounting unit may store and store a plurality of different social network service accounts and the subscription information.

The accounting unit may store and store the respective key values assigned to the plurality of social network service accounts and the subscription information.

Further comprising a banking service unit for transmitting a banking service screen to the user terminal and receiving a click signal when a product banner is clicked on the banking service screen, wherein the novel network service interworking unit, when receiving the click signal, The method of claim 1, further comprising the steps of: performing login of the social network service in cooperation with the social network service server using a programming interface; performing identification authentication with respect to the user terminal; And may request the social network service server to expose the financial product introduction.

And a sales point visit detecting unit for detecting a visit to the business terminal of the user terminal, Wherein the social network service interworking unit calls the authentication login of the novel network service channel associated with the interworking application programming interface when the visit to the branch office is detected and receives the authentication information of the user from the user terminal, Lt; / RTI > The accounting unit can accumulate points to the user terminal if the authentication of the user is successful.

The branch office visit detection unit can detect the branch office of the user terminal using the short-range wireless communication method.

Further comprising a transfer unit for issuing a gift tip or merchandise guide letter according to the point accumulation and transmitting the information to the user terminal, wherein the gift guide or the merchandise guide letter may include preferential benefit information available at the time of newly entering the financial item have.

According to the embodiment of the present invention, it is possible to secure new customers through a social branch, which is one of the non-facing channels, and to provide publicity effect by developing trendy products. Also, .

In addition, the promotion of the customer's products can be promoted through the social network service (SNS) and the diffusion of the product subscribers through the production of the portal site beads.

FIG. 1 is a configuration diagram of a financial service system using a social branch according to an embodiment of the present invention,
2 is a block diagram showing a detailed configuration of the financial server of FIG. 1,
3 is a flowchart illustrating a series of processes of a financial service method using a social branch according to an embodiment of the present invention,
4 is a flowchart illustrating a series of processes of a financial service method using a social branch according to another embodiment of the present invention,
5 is a schematic diagram of a financial server according to another embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when an element is referred to as "comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise.

Also, the terms of " part ", "... module" in the description mean units for processing at least one function or operation, which may be implemented by hardware or software or a combination of hardware and software.

Hereinafter, a financial service method using a social branch according to an embodiment of the present invention and a financial server for performing the method will be described in detail with reference to the drawings.

FIG. 1 is a configuration diagram of a financial service system using a social branch according to an embodiment of the present invention, and FIG. 2 is a block diagram illustrating a detailed configuration of the financial server of FIG.

Referring first to FIG. 1, a financial service system includes a user terminal 100, a financial server 200, and a social network service (SNS) server 300.

The user terminal 100 is a terminal capable of accessing the Internet, and capable of using a social network service and a banking service. The user terminal 100 may include a PC, a mobile phone, and a smart device. Here, the mobile phone is a terminal including a banking module, and the smart device is a terminal including a smart phone and a tablet PC.

The user terminal 100 is connected to the financial server 200 through an Internet network or a network.

The financial server 200 may be implemented as a server computer device. This financial server 200 is installed in a financial institution, and in particular, it can be installed in the head office of a financial institution in which a computer system is concentrated. Here, the term "financial institution" is used to refer to all the institutions handling financial business, and may include securities companies, mutual credit institutions, credit unions, etc. in addition to ordinary banks.

The financial server 200 provides a financial service using a social branch in conjunction with the SNS server 300. Here, the social branch is a type of non-facing channel, and provides financial services generated at branches of a financial institution through a social network service in the same manner. In other words, it promotes and guides financial products, provides chat consulting service of financial products, enables connection between the employees of the branch office and users, and can provide up to the purchase of financial products.

The SNS server 300 may include a plurality of different SNS servers. The SNS server 300 exposes the financial product information to the SNS account wall of a specific user, for example, a financial product subscriber, at the request of the financial server 200. [

2, the financial server 200 includes a banking service unit 201, an SNS interworking unit 203, a business visit detection unit 205, an accounting unit 207, and a transmission unit 209 .

The banking service unit (201) transmits the banking service screen to the connected user terminal (100). Here, the banking service screen may include at least one of an Internet banking screen, a mobile banking screen, and a smart banking screen.

The banking service unit 201 transmits a banking service screen to the user terminal 100 and receives a click signal from the user terminal 100 when the goods banner is clicked on the banking service screen.

The SNS interworking unit 203 requests the SNS server 300 to publish the financial product information subscribed to the user terminal 100 on the wall of the social network service account so that the SNS server 300 can share the same with friends of the social network service account.

At this time, when the banking service unit 201 receives the click signal of the product banner, the SNS interworking unit 203 performs the SNS login by interlocking with the SNS server 300 using the interlocking application programming interface (API). After performing identification and authentication for the user terminal 100, the SNS server 300 requests the SNS server 300 to expose an introduction of a financial product related to the goods banner in the SNS account of the user terminal 100.

The SNS interworking unit 203 invokes an authentication login of the SNS channel associated with the interlocking application programming interface when a visit to the business center of the user terminal 100 is detected. Then, the user terminal 100 receives the authentication information from the user terminal 100 and authenticates the SNS.

The sales shop visit detection unit 205 senses a visit to the sales outlet of the user terminal 100. At this time, it is possible to detect the inside of the branch office of the user terminal 100 using the short-range wireless communication method. For example, customers can recognize their stickers (passbook, card smart device) that have been given to customers at the store through Bluetooth and NFC (Near Field Control) readers assigned to the branch.

The account step 207 performs the new financial instrument subscription requested by the user terminal 100. [ The SNS account transmitted from the user terminal 100 and the subscription information of the financial product are matched and stored. When matched, preferential interest rate is paid to financial products.

The account unit 207 stores and stores a plurality of different SNS accounts and subscription information. Here, SNS account can be adopted various SNS such as Facebook, Twitter, cacao story.

The account unit 207 stores the key value given to each of the plurality of SNS accounts and the financial product subscription information of the user terminal 100 in a matching manner.

The account unit 207 accumulates points to the user terminal when the SNS interworking unit 203 succeeds in authenticating the user terminal 100 itself.

The transfer unit 209 issues the gift tip or merchandise guide letter according to the point accumulation of the account unit 207 and transmits it to the user terminal 100. These gift cards or merchandise guide letters include preferential benefit information available at the time of new entry of a financial product.

Here, the user terminal 100 may be an SNS account user, but may be a friend of the SNS account, that is, a terminal of a user who wants to view a product displayed on the wall.

Operations according to the above-described configuration will be described with reference to FIGS. 3 and 4. FIG. Here, the same reference numerals will be used in connection with the configurations of FIG. 1 and FIG.

FIG. 3 is a flowchart illustrating a series of processes of a financial service method using a social branch according to an embodiment of the present invention.

Referring to FIG. 3, the user terminal 100 accesses a banking service transmitted by the financial server 200 (S101).

When the user terminal 100 clicks the merchandise banner on the banking service screen received in step S101 (S103), the merchandise banner click signal is transmitted to the financial server 200 (S105).

The financial server 200 transmits a goods banner click signal to the SNS server 300 (S107).

The user terminal 100 is connected to the financial server 200 and the financial server 200 proceeds to SNS log-in using the interworking API with the SNS server 300 (S109).

The financial server 200 reviews whether or not the product introduction is exposed (S111). In other words, the user terminal 100 is checked for information previously stored, whether it is authenticated, and whether it is shared.

The SNS server 300 performs identification authentication for the user terminal 100 through SNS login (S113). That is, the user terminal 100 performs identification authentication based on the SNS login information transmitted and input.

The SNS server 300 receives the review result of step S111 (S115) and exposes the financial product introduction to the wall of the SNS account of the user terminal 100 (S117) upon receiving the exposure authentication and the shared authentication.

Then, when the financial server 200 detects the branch office of the user terminal 100 (S119), the financial server 200 calls the SNS channel authentication login associated with the interworking API (S121).

The user terminal 100 is connected to the financial server 200, and the financial server 200 performs authentication of the SNS with respect to the SNS in cooperation with the SNS server 300 (S123).

Next, the financial server 200 accumulates predetermined points to the user terminal 100 that has successfully authenticated itself (S125). Then, a gift card corresponding to the point accumulation is issued, and a product guide character is issued (S127). At this time, the gift card and the merchandise guide letter include preferential benefit information available when a new financial product is entered.

The financial server 200 transmits the gift card and the product guidance character to the user terminal 100 (S129).

4 is a flowchart illustrating a process of a financial service method using a social branch according to another embodiment of the present invention.

Referring to FIG. 4, the financial server 200 performs a new registration of a financial product requested by the user terminal 100 (S201).

The financial server 200 inputs individual key values for each SNS (S203). Then, the subscription information of the financial product is matched with the SNS account (S205) and stored.

The financial server 200 requests the SNS server 300 to post the registered financial product on the wall of the SNS account and share it (S207).

The financial server 200 adds a preferential rate to the financial product matched to the SNS account (S209).

According to the above description, a new account is created in connection with a social media platform such as Facebook, KakaoTalk, line, Twitter, etc., and a free deposit account is created can do. In addition, a reward, for example, goods and coupons can be issued by pointers to personal information when visiting a branch office.

5 is a schematic diagram of a financial server according to another embodiment of the present invention. The banking service unit 201, the SNS interworking unit 203, the business visit detection unit 205, the account A system 207 that can be used to perform at least some of the functions of the transmission unit 209.

5, the financial server 400 includes a processor 401, a memory 403, at least one storage device 405, an input / output (I / O) interface 407, and a network interface 409 ).

The processor 401 may be implemented as a central processing unit (CPU) or other chipset, a microprocessor, and the like. The memory 403 may be a dynamic random access memory (DRAM), a random access memory (RAM) ), A synchronous DRAM (Synchronous DRAM, SDRAM), a static RAM (SRAM), or the like.

The storage device 405 may be a hard disk, a compact disk read only memory (CD-ROM), a compact disk rewritable (CD-RW), a digital video disk ROM, , An optical disk such as a blue-ray disk, a flash memory, various types of RAM, or a permanent or volatile storage device.

The I / O interface 407 also allows the processor 401 and / or the memory 403 to access the storage device 405 and the network interface 409 allows the processor 401 and / ) To access the network (not shown).

In this case, the processor 401 implements at least some of the functions of the functions of the banking service unit 201, the SNS interlocking unit 203, the shop visit detection unit 205, the account step 207 and the transfer unit 209 The program command for the program may be loaded into the memory 403, and the operation described with reference to FIG. 1 may be controlled to be performed.

The memory 403 or the storage device 405 is connected to the banking service unit 201, the SNS interworking unit 203, the business visit detection unit 205, the accounting unit 207, So that the function of the display unit 209 can be performed.

The processor 401, the memory 403, the storage device 405, the I / O interface 407, and the network interface 409 shown in Fig. 5 may be implemented in one computer or distributed in a plurality of computers .

The embodiments of the present invention described above are not implemented only by the apparatus and method, but may be implemented through a program for realizing the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded.

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, It belongs to the scope of right.

Claims (15)

The financial server performing a new financial subscription requested by the user terminal,
Matching and storing the social network service account transmitted by the user terminal with the subscription information of the financial product, and
And publishing the financial product information subscribed by the user terminal to the wall of the social network service account so as to be shared with friends of the social network service account
A method of financial service using a social branch. The method of claim 1,
After the publishing step,
A step of awarding a preferential interest rate to the financial product
The method comprising the steps of: The method of claim 1,
Wherein the storing step comprises:
A method of financial service using a social branch that matches and stores a plurality of different social network service accounts and the subscription information. 4. The method of claim 3,
And storing the key values and the subscription information in the plurality of social network service accounts, respectively. The method of claim 1,
After the publishing step,
Transmitting a banking service screen to the user terminal,
Performing a social network service login using an interworking application programming interface when a goods banner is clicked on the banking service screen,
Performing identification authentication for the user terminal, and
A step of exposing an introduction of a financial product related to the goods banner to a chat screen of a social network service account of the user terminal
The method comprising the steps of: The method of claim 5,
After the step of exposing,
Detecting a visit to a branch office of the user terminal,
Invoking an authentication login of a novel network service channel associated with the interlocking application programming interface,
Authenticating the user of the social network service by receiving the authentication information from the user terminal;
If the authentication of the user is successful, a step of earning points to the user terminal
The method comprising the steps of: The method of claim 6,
After the accumulating step,
Further comprising issuing a gift tip or merchandise guidance letter according to the point accumulation and transmitting the gift tip or merchandise guidance letter to the user terminal,
Wherein the gift tip or the product guidance character comprises:
A financial service method using a social branch including preferential benefit information available at the time of newly entering the financial product. An account step for performing a new registration of a financial product requested by the user terminal, storing and matching the social network service account transmitted by the user terminal with the subscription information of the financial product, and
A social network service interworking unit for requesting a social network service server to publish financial product information subscribed to the user terminal on a wall of the social network service account so as to share the social network service account with friends of the social network service account;
≪ / RTI > 9. The method of claim 8,
The accounting unit,
A financial server for providing a preferential interest rate to the financial product at the matching time. The method of claim 9,
The accounting unit,
A financial server for matching and storing a plurality of different social network service accounts and the subscription information. 11. The method of claim 10,
The accounting unit,
Wherein each of the plurality of social network service accounts matches and stores each key value assigned to each of the plurality of social network service accounts and the subscription information. 9. The method of claim 8,
Further comprising a banking service unit for transmitting a banking service screen to the user terminal and receiving a click signal when a goods banner is clicked on the banking service screen,
The novel network service interworking unit,
When the click signal is received, a social network service login is performed in cooperation with the social network service server using an interworking application programming interface. After performing identification authentication with respect to the user terminal, a social network service account To the social network service server so as to expose an introduction of a financial product related to the goods banner in a shuffling of the goods banner. The method of claim 12,
And a sales point visit detecting unit for detecting a visit to the business terminal of the user terminal,
The social network service interworking unit,
Invoking an authentication login of a novel network service channel associated with the interworking application programming interface, authenticating the user of the social network service by receiving authentication information from the user terminal,
The accounting unit,
And if the authentication of the user is successful, a point is earned to the user terminal. The method of claim 13,
The sales shop visit detection unit
A financial server that detects the inside of a branch office of a user terminal using a short-range wireless communication method. The method of claim 13,
Further comprising a transmitter for issuing a gift tip or merchandise guide letter according to the point accumulation and transmitting the issued gift tip or merchandise guide letter to the user terminal,
Wherein the gift tip or the product guidance character comprises:
And a bonus benefit information that can be used at the time of newly joining the financial product.

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