Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art to which the present invention pertains. The present invention may be embodied in many different forms and is not limited to the embodiments described herein.
In order to clearly illustrate the embodiments of the present invention, portions that are not related to the description are omitted, and the same or similar components are denoted by the same reference numerals throughout the specification.
Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "electrically connected" with another part in between . Also, when an element is referred to as "comprising ", it means that it can include other elements as well, without departing from the other elements unless specifically stated otherwise.
Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.
FIG. 1 schematically shows a financial service system for providing a financial transaction advance reservation service according to an embodiment of the present invention.
1, a financial service system for providing embodiments of the present invention includes a financial terminal 100, a financial server 200, an authentication server 300, a payment server 400, an administrator terminal 500, A terminal 600, a window terminal 700, and the like.
The financial terminal 100 is an automatic device terminal for providing financial services, and supports the user to receive financial services without having to visit the bank window directly. The financial terminal 100 may be connected to the financial server 200 through a wired / wireless communication network to provide a financial service, and may provide a financial service requested by the user in cooperation with the financial server 200. That is, when the user requests the financial transaction processing to the financial terminal 100, the user can process the financial transaction in cooperation with the financial server 200.
When the user visits the financial terminal 100 and requests a financial transaction, the financial terminal 100 interlocks with the financial server 200 or the administrator terminal 500 to determine the legitimacy of the financial transaction, Can be performed. Financial transactions (financial services) provided by financial institutions are set differently according to the characteristics of each financial transaction (financial service), and the authentication information necessary for completing the financial transaction can be changed according to the security level. The financial terminal 100 can perform the authentication process by requesting different authentication information from the user according to the corresponding security level at the time of the financial transaction processing. For example, if the financial transaction that the user intends to process through the financial terminal 100 is a financial transaction of a security level requiring authentication of the user for identification of the user, the financial terminal 100 transmits the biometric information, ID image) or a user image to the user as authentication information.
The financial server 200 is a server of a financial institution that provides financial services. The financial server 200 is connected to the financial terminal 100 or the window terminal 700 through a wired or wireless communication network and may provide a financial service to the user in conjunction with the financial terminal 100 or the window terminal 700. The financial server 200 may be connected to the user terminal 600 through a wire / wireless communication network and may provide online banking services such as Internet banking, phone banking, and mobile banking to the user in cooperation with the user terminal 600. The financial server 200 stores and manages user information and ledger information of users registered as customers of a financial institution in a database in order to provide financial services.
The financial server 200 may provide a pre-reservation service for financial transactions. The advance reservation service is a service that registers a visit reservation application in a non-face-to-face state for a specific financial transaction, and then allows a user to visit the financial terminal (100) or a bank window to complete a pre- to be. When the non-face-up user requests the financial transaction advance reservation through the financial terminal 100 or the user terminal 600, the financial server 200 inputs and stores various information necessary for processing the financial transaction in advance We can process advance reservation application. Then, when the user visits the financial terminal 100 or the bank window (window terminal 700) to request the processing of the pre-booked financial transaction, Can be processed. In addition, the financial server 200 may receive the advance reservation request while the financial transaction is not completed while the financial transaction is being performed in cooperation with the counter terminal 700. In this case, the financial server 200 stores the processing state and input information until the advance reservation is requested, and when the user visits the financial terminal 100 or the bank window to request processing of a pre-booked financial transaction, Based on the previously stored information, it is possible to process the financial transaction that was suspended at the time of the advance reservation.
The financial server 200 may perform a user authentication process in cooperation with the authentication server 300 in order to verify the legality of the financial transaction in the process of providing the financial service. As described above, the security level of each financial transaction is set differently according to its characteristics, and the authentication information required for completing the financial transaction may vary depending on the security level. Accordingly, the financial server 200 can perform the authentication process using the different authentication information according to the corresponding security level at the time of the financial transaction processing.
The authentication server 300 can perform the user authentication process when the user authentication is requested from the financial server 200. [ The authentication server 300 may include an authentication information database 310 for storing and managing corresponding user authentication information for each user registered as a customer in the financial server 200. [ The authentication server 300 compares the received authentication information with the authentication information stored in the authentication information database 310 and transmits the authentication information to the authentication server 300 when the user authentication information for the user authentication is received from the financial server 200 connected via the wired / wireless communication network Lt; / RTI > The authentication information stored in the authentication information database 310 may include user identification information corresponding to each user, biometric information, an online banking ID and password, an account password, a card password, and the like.
Although FIG. 1 illustrates the case where the authentication server 300 exists separately from the financial server 200, the embodiment of the present invention is not limited thereto. Each function of the authentication server 300 may be implemented using the components of the financial server 200 by being coupled to the financial server 200.
The payment server 400 can perform payment processing for the financial service cost in cooperation with the financial server 200 when a fee for the financial service provided by the financial server 200 is generated. The payment server 400 can be connected to the financial server 200 through a wire / wireless communication network.
The manager terminal 500 is connected to the financial terminal 100 through a wire / wireless communication network and can monitor the financial terminal 100 in real time to prevent security and malfunction of the financial terminal 100. The manager terminal 500 receives an external image of the financial terminal 100 photographed by the financial terminal 100 in real time and displays it on the screen in real time. Accordingly, the bank employee can check the external image of the financial terminal 100 displayed on the screen of the manager terminal 500 in real time, thereby preventing unauthorized access to the financial terminal 100 or malfunction of the financial terminal 100 It can be grasped in real time.
The administrator terminal 500 may perform a user authentication process for a user using the financial terminal 100. [ The administrator terminal 500 receives the user authentication information including the user's ID information (ID image) and the user image from the financial terminal 100, and performs the user authentication process based on the received user authentication information. When the user authentication information is received from the financial terminal 100, the administrator terminal 500 performs an authentication process for identifying the user using the ID information and the user image included in the user authentication information, and transmits the authentication result to the financial terminal 100 ). ≪ / RTI >
The user terminal 600 is connected to the financial server 200 via a wired / wireless communication network and can provide online banking services such as Internet banking, phone banking, and mobile banking to a user in cooperation with the financial server 200. The user terminal 600 is connected to the financial terminal 100 through a local area network and can transmit information necessary for financial transactions to the financial terminal 100. For example, the user terminal 600 transmits the payment information including the user's card information to the financial terminal 100, and the financial terminal 100 can perform settlement processing using the payment information. The user terminal 600 may include a telephone, a mobile device (a mobile phone, a smart phone, a tablet PC, etc.), a computer, a notebook, and the like.
The window terminal 700 is a financial transaction terminal installed in a bank window. The terminal 700 is connected to the financial server 200 via a wired / wireless communication network and processes financial transactions in cooperation with the financial server 200 based on information input from a bank employee. can do.
Hereinafter, a financial terminal according to an embodiment of the present invention will be described in detail with reference to FIG.
2 is a schematic structural view of a financial terminal according to an embodiment of the present invention.
2, the financial terminal 100 according to the embodiments of the present invention includes a communication unit 110, an input unit 120, an output unit 130, a biometric unit 140, a cash teller 151, A secure card issuing unit 154, a card reader 160, a memory 170, a controller 180, and the like. The components shown in FIG. 2 are not essential, and the financial terminal 100 may be implemented to include more or fewer components.
The communication unit 110 includes a financial terminal 100, a financial server 200, a financial terminal 100 and a payment server 400, a financial terminal 100, an administrator terminal 500 or a financial terminal 100, 600 to enable communication between the base station and the base station. For example, the communication unit 110 may include a wired Internet module 111, a wireless Internet module 112, a local area communication module 113, a private circuit communication module 114, and the like.
The wired Internet module 111 means a module for a wired Internet connection.
The wireless Internet module 112 refers to a module for wireless Internet access. The wireless Internet module 112 may be a WLAN (Wireless LAN) (WiFi), a Wibro (Wireless Broadband), a LTE (Long Term Evolution), a Wimax (World Interoperability for Microwave Access), HSDPA Packet Access) may be used.
The short-range communication module 113 is a module for short-range wireless communication. Near field communication (NFC), radio frequency identification (RFID), infrared data association (IrDA), ultra wideband (UWB), ZigBee, Bluetooth, etc. are used as the short- Can be used.
The dedicated line communication module 114 is a module that performs a communication function using a dedicated line allocated to the secure medium issuing device 100. [
The financial terminal 100 can be connected to the financial server 200, the payment server 400 or the administrator terminal 500 through the wired Internet module 111, the wireless Internet module 112 or the dedicated line communication module 114 . In addition, the financial terminal 100 can be connected to the user terminal 600 through the short-range communication module 113.
The input unit 120 may include a camera 121, a microphone 122, a user input unit 123, a scanner 124, and the like.
The camera 121 receives a video signal outside the financial terminal 100 and processes the received video signal as video data. The financial terminal 100 may include a plurality of cameras 121 according to an implementation mode.
The microphone 122 receives a sound signal outside the financial terminal 100 and processes the sound signal as voice data.
The user input unit 123 receives a user input related to a service provided by the financial terminal 100. The user input unit 123 generates user input data for controlling the operation of the financial terminal 100 in response to a user input from a user. The user input unit 123 may be implemented in various forms such as a touch pad, a keypad, and a touch screen.
The scanner 124 includes at least one image sensor and performs a function of scanning the contents on the sensor surface of the image sensor and processing the scanned contents as image data. For example, the scanner 124 may acquire image data by scanning an identification card, a barcode, a QR code, a check, cash, a secure medium (OTP generator, security card)
The output unit 130 is a means for generating an output related to time, hearing, and the like. The output unit 130 may include a display 131, an audio output module 132, and the like.
The display 131 displays information to be processed in the financial terminal 100. For example, the display 131 may display a financial transaction screen including a user interface (UI) associated with a financial service.
The display 131 may have a mutual layer structure with the touch sensor or may be integrally combined with the touch sensor. When the display 131 is implemented as a touch screen, the display 131 may operate as an input device for receiving a user input (touch input) in addition to an output device for outputting a video signal.
The display 131 may be a liquid crystal display (LCD), a thin film transistor-liquid crystal display (TFT LCD), an organic light-emitting diode (OLED), a flexible display ), A three-dimensional display (3D display), and an electronic ink display (e-ink display).
The financial terminal 100 may include a plurality of displays 131 according to an implementation. When the financial terminal 100 includes a plurality of displays 131, the plurality of displays 131 may be disposed on a single surface, or may be arranged to be adjacent to each other. In addition, the plurality of displays 131 may be disposed on different planes.
The sound output module 132 outputs an audio signal related to the service provided by the financial terminal 100. For example, the sound output module 132 may output an audio signal that guides the process of providing a financial service. The sound output module 132 may include a speaker, a buzzer, and the like.
The biometrics unit 140 is a user authentication information acquisition unit for acquiring biometrics information used for identifying a user, and performs a function of recognizing a part of a user's body and extracting biometrics information. The biometric unit 140 may be provided in various forms according to a body part to be recognized.
For example, the biometric unit 140 may include vein recognition means. The vein recognition means may acquire a vein image by scanning a vein of a user such as a long vein (palm vein) and a vein (finger vein), and may generate the vein information of the user by processing feature information extracted therefrom.
Further, for example, the biometrics unit 140 may include fingerprint recognition means. The fingerprint recognition means can scan the fingerprint of the user to acquire the fingerprint image, and process the feature information extracted from the fingerprint image to generate the fingerprint information of the user.
In addition, for example, the biometrics unit 140 may include iris recognition means. The iris recognition means can acquire the iris image by scanning the iris of the user, and can generate the iris information of the user by processing the feature information extracted from the iris image.
In addition, for example, the biometrics unit 140 may include a retina recognition unit. The retinal recognition means can acquire the retinal image by scanning the user's retina, and can process the feature information extracted therefrom to generate the user's retina information.
In addition, for example, the biometrics unit 140 may include a face recognition unit. The face recognition means can acquire a face image by photographing a face of a user, and can generate face information of a user by processing feature information extracted from the face image.
The cash storage unit 151 performs a function of storing or discharging cash. The cash teller 151 has a function of discharging the cash stored in the financial terminal 100 to the outside of the financial terminal 100 under the control of the controller 180 or storing the cash received from the outside in the financial terminal 100 . The cash teller 151 also includes a function of classifying the denomination of the cash that is discharged to the outside or received from the outside and the number of copies of the cash is recalculated.
The check storage section 152 performs a function of storing or discharging a check. The check depository 152 has a function of discharging a check stored in the financial terminal 100 to the outside of the financial terminal 100 under the control of the control unit 180 or storing a check received from the outside in the financial terminal 100 . Also, the check depository 152 includes a function of discriminating the amount of check by recognizing the character of a check that is emitted to the outside or stored from the outside, and counting the number of checks.
The passbook depository 153 can perform the passbook transaction history print processing for the passbook inserted from the outside. The passbook depository 153 detects passbook information from a magnetic stripe or IC attached to the inserted passbook when the passbook is inserted. Then, the control unit 180 transmits the detected passbook information to the control unit 180, and receives the corresponding passbook transaction history information from the control unit 180. The passbook depository 153 includes a printing device (not shown) inside and prints the passbook transaction details on the passbook using the internal printing device based on the passbook transaction history information received from the control unit 180. [ Then, when the printing of the passbook transaction details is completed or there is no page to be printed on the inserted passbook, the passbook is discharged to the outside.
The passbook depository 153 may perform a function of newly issuing a passbook. When the passbook issuance is requested, the passbook depository 153 receives the corresponding passbook information from the control unit 180. [ Then, the passbook issuance can be performed by printing the passbook information received from the control unit 180 in the passbook stored therein using the internal printing apparatus and releasing the passbook which has been printed out to the outside.
The secure medium issuing unit 154 releases the secure medium (OTP generator, secure card) stored in the financial terminal 100 to the outside of the financial terminal 100 or retrieves the secure medium. The secure medium issuing unit 154 releases the secure medium stored in the financial terminal 100 under the control of the controller 180 and may detect the serial number of the secure medium in the process of releasing the secure medium. In addition, the secure medium issuing unit 154 may recover the secure medium to be released to the outside of the financial terminal 100 under the control of the controller 180, or may recover the secure medium stored from the outside.
The card reader unit 160 functions to provide an interface between the financial transaction card and the financial terminal 100. The card reader 160 can detect the card information from the card when the card for financial transaction is touched or inserted. Here, the card for financial transaction is a card including a financial transaction function such as a cash card, a credit card, a debit card, a transportation card, and the card information detected therefrom is necessary for financial transactions such as a card number, Information. The card reader unit 160 can acquire card information from a chip attached to the card by a short-distance communication method such as RFID or NFC. The card reader 160 may read the magnetic stripe attached to the card to acquire the card information.
The memory 170 may store a program for operation of the financial terminal 100. The memory 170 may store various data to be processed by the financial terminal 100.
For example, the memory 170 may store graphical objects (or image data) for displaying a financial transaction screen provided by the financial terminal 100 according to financial transaction items.
The memory 170 may be a flash memory type, a hard disk type, a solid state disk type, an SDD type (Silicon Disk Drive type), a multimedia card micro type ), Card type memory (e.g., SD or XD memory), random access memory (RAM), static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable read memory, a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, and / or an optical disk.
The control unit 180 may control the overall operation of the financial terminal 100.
The control unit 180 may process the financial transaction in cooperation with the financial server 200 based on the user input inputted through the input unit 120 when the financial transaction processing request is received from the user.
The control unit 180 verifies the identity of the user in the process of processing the financial transaction through the financial terminal 100 and performs authentication processing in various ways in order to verify the legitimacy of the financial transaction processed through the financial terminal 100 can do.
For example, the control unit 180 may perform user authentication processing using biometric information of a user. In this case, the control unit 180 may obtain biometric information of the user through the biometric unit 140, and transmit the user authentication information including the biometric information to the financial server 200, thereby requesting authentication of the user. The financial server 200 receives the authentication result and performs a user authentication process using the biometric information of the user in cooperation with the authentication server 300, and transmits the authentication result to the financial terminal 100.
Also, for example, the control unit 180 may perform a user authentication process using the user's ID information (ID image) and the user image. In this case, the control unit 180 controls the camera 121 and the scanner 124 to display image data (hereafter referred to as "user image") photographed by the user in real time and image data , &Quot; ID image "), and can transmit the user authentication information including the obtained authentication information to the administrator terminal 500. The administrator terminal 500 receives the authentication result, that is, the identification result obtained by comparing the user image and the ID image from the bank employee by displaying the user image and the ID information on the screen. In addition, identification information (ID card image) is transmitted to a server (not shown) of an organization (for example, a national agency such as the National Police Agency or the Ministry of Public Administration and Security) who can confirm the authenticity And receives the authenticity check result of the information (identification card image). The manager terminal 500 performs an authentication process for the user based on the identification result input from the bank employee or the identification result verification result received from the external server, and transmits the authentication result to the financial terminal 100.
In addition, for example, the control unit 180 can request authentication of the user by transmitting the ID information (ID image) of the user and the user image to the financial server 200 and the administrator terminal 500, respectively. The administrator terminal 500 displays the user image and the ID information on the screen, receives the authentication result obtained by comparing the user image with the ID image from the bank employee, that is, the identification result of the ID card, and transmits the authentication result to the financial terminal 100 . In addition, the financial server 200 transmits identification information (ID image) to a server (not shown) of an institution that can confirm the authenticity (forgery) of the ID information and confirms the authenticity of the ID information And receives the result. In this case, the control unit 180 can perform the authentication process based on the identification result of the identification card received from the administrator terminal 500 in response to the user image and the identification card authenticity confirmation result received from the external server in response to the identification card information .
In addition, the control unit 180 may perform an authentication process using the authentication number transmitted to the user terminal 600, for example. In this case, the controller 180 receives the mobile device number of the user terminal 600 from the user, transmits the received mobile device number to the financial server 200, and requests the transmission of the authentication number. The control unit 180 receives the authentication number from the user through the user input unit 123 when the financial server 200 transmits the authentication number to the user terminal 600 using the mobile device number of the user. Then, authentication information including the authentication number input from the user is transmitted to the financial server 200 to request authentication. The financial server 200 compares the authentication number transmitted to the user terminal 600 with the authentication number received from the financial terminal 100, performs authentication processing, and transmits the authentication result to the financial terminal 100.
In addition, for example, the control unit 180 may perform authentication processing using a passbook password, a card password, an account password, and the like. In this case, the control unit 180 may transmit the authentication information including the passbook password, the card password, or the account password to the financial server 200 and receive the authentication result from the financial server 200. [
Each financial transaction (financial service) provided by a financial institution has its security level set differently according to the characteristics of a financial transaction (financial service), and authentication information necessary for completing the financial transaction according to the security level It can be different. Accordingly, the control unit 180 can confirm the security level of the financial transaction selected by the user in the financial transaction processing from the financial server 200, and acquire appropriate authentication information from the user according to the security level. In addition, if the financial transaction selected by the user is a financial transaction requiring additional authentication, the control unit 180 may perform authentication processing using a plurality of pieces of authentication information.
The controller 180 may acquire the user identification information in various ways in processing the financial transaction requested by the user or performing the authentication process. The user identification information is information used to identify a user, and may include a user name, an identification number serial number (a resident registration number, a driver's license number, etc.), a mobile device number, card information, account information, and the like. The control unit 180 may receive user identification information from the user through the user input unit 123. The control unit 180 may connect with the user terminal 600 via the short distance communication module 113 and receive the user identification information from the user terminal 600. [ The control unit 180 may recognize a Quick Response (QR) code or a bar code displayed on the screen of the user terminal 600 through the camera 121 and analyze the same to obtain user identification information. The control unit 180 can detect the card information of the user through the card reader unit 160 and acquire the user identification information therefrom.
The control unit 180 may perform a pre-reservation process for a financial transaction requested by the user in cooperation with the financial server 200 when a pre-reservation request for a financial transaction is received from the user. In this case, the control unit 180 receives the financial transaction selection information to be pre-booked from the user through the input unit 120, and receives information necessary for processing the corresponding financial transaction. Based on the received information, the financial server 200 can request a pre-reservation for the financial transaction selected by the user, and receive the pre-reservation result from the financial server 200. The pre-reservation result may include a pre-reservation code issued upon completion of the pre-reservation processing by the financial server 200. [
The control unit 180 may process the financial transaction, which is pre-booked by the user in the financial server 200, in cooperation with the financial server 200. The control unit 180 receives the user identification information, the user authentication information, or the advance reservation code from the user, and determines whether there is a financial transaction that the user has reserved in advance on the financial server 200 based on the received user identification information, the user authentication information or the advance reservation code. If the user has a financial transaction pre-booked in the financial server 200, the user can process the financial transaction in advance with the financial server 200 in advance. That is, when there is a financial transaction that the user pre-reserves in the financial server 200, the control unit 180 receives the corresponding advance reservation information from the financial server 200 and executes the pre-reserved financial transaction item . The advance reservation information may include identification information of a financial transaction previously booked in the financial server 200, input information pre-input for financial transaction processing in a pre-reservation step, and the like.
The control unit 180 performs an authentication process according to the security level of the pre-booked financial transaction when the authentication process is required in the process of processing the pre-booked financial transaction, and performs the process of the pre-booked financial transaction according to the authentication process result Can be performed.
The control unit 180 may control a transaction screen displayed on the display 131 according to a financial transaction processed through the financial terminal 100. [ The control unit 180 reads the transaction screen image (graphic objects) from the memory 170 in correspondence with each financial transaction item selected by the user, and displays the transaction screen image (graphic objects) through the display 131.
Hereinafter, a financial server according to an embodiment of the present invention will be described in detail with reference to FIG.
3 is a schematic structural view of a financial server according to an embodiment of the present invention.
3, the financial server 200 according to the embodiment of the present invention includes a user information database 210, a pre-reservation information database 220, a ledger information database 230, a communication unit 240, an authentication unit 250 A pre-reservation processing unit 260, a financial transaction processing unit 270, and the like.
The user information database 210 is a database for storing and managing user information of each user registered in the financial server 200. The user information stored in the user information database 210 may include a user name, a customer information file (CIF) number, a resident registration number, an address, a telephone number, a mobile device number, and an e-mail address. The user information stored in the user information database 210 may include account information (a member ID, a password, etc.) registered by the user in the online banking service provided by the financial server 200, a financial server 200), and the like can be included.
The advance reservation information database 220 is a database for storing and managing financial transaction pre-reservation information of each user registered in the financial server 200. [ The advance reservation information may include identification information of a financial transaction previously reserved by the user, user input information required for financial transaction processing, a reservation code assigned to the user at the time of advance reservation, and the like.
The ledger information database 230 is a database for storing and managing ledger information for each user registered in the financial server 200. [ The ledger information may include account ledger information corresponding to each financial account opened by the user. The account ledger information includes an account number (or a security number), a CIF number, an opening date, an account status, a product type, an interest rate, an account password, a balance, a bankbook number, a bankbook password, a check / debit card information, Account information, financial transaction details for each account such as deposit, withdrawal, transfer, etc., and transaction result.
The communication unit 240 includes a financial server 200, a financial terminal 100, a financial server 200 and an authentication server 300, a financial server 200 and a payment server 400, a financial server 200, 600 or between the financial server 200 and the window terminal 700.
The authentication unit 250 can perform authentication processing related to financial service provisioning in conjunction with the authentication server 300. [
The authentication unit 250 can perform the authentication process for the user accessing the financial server 200 through online banking. The authentication unit 250 receives the authentication information for accessing the on-line banking service from the user terminal 600 and transmits the authentication information to the authentication server 300 to receive the authentication result. The authentication information for accessing the online banking service may include an ID and a password of a user account registered in the online banking service, authentication information corresponding to the user's authorized certificate, an authorized certificate password, and the like. When the authentication server 300 receives the authentication information for accessing the online banking service of the user from the financial server 200, the authentication server 300 can perform the authentication process by comparing the authentication information with the authentication information of the user. The authentication unit 250 permits the user terminal 600 to access the on-line banking service when the authentication procedure for accessing the on-line banking service in the authentication server 300 is completed.
The authentication unit 250 may perform an authentication procedure for the user using the financial terminal 100 using the authentication information received from the financial terminal 100. [ The authentication unit 250 receives the authentication information of the user connected to the financial terminal 100 from the financial terminal 100 and transmits the authentication information to the authentication server 300 to receive the authentication result. When the authentication server 300 receives the authentication information from the financial server 200, the authentication server 300 may complete the authentication procedure for the user by comparing the authentication information with the authentication information of the user. The authentication information received from the financial terminal 100 may include biometric information of a user, a transfer password, a card password, a passbook password, and the like.
The authentication information received from the financial terminal 100 may include the identification information of the user. In this case, the financial server 200 may transmit the authentication information including the ID information to an external server capable of verifying the ID, and may perform the authentication processing by receiving the ID verification result from the server.
The advance reservation processing unit 260 may provide a pre-reservation service for financial transactions in cooperation with the financial terminal 100, the user terminal 600, or the window terminal 700.
The pre-reservation processing unit 260 can receive a pre-reservation request for a specific financial transaction from a user connected to the on-line banking service through the user terminal 600. [ In this case, the advance reservation processing unit 260 receives the input information for processing the financial transaction for which the advance reservation is requested from the user terminal 600 and stores the advance reservation information including the input information in the advance reservation information database 220 It is possible to perform the advance reservation processing. The advance reservation information may further include identification information of a previously booked financial transaction, a reservation code assigned to the user at the time of advance reservation, and the like.
The advance reservation processing unit 260 may receive a pre-reservation request for a specific financial transaction from the user through the financial terminal 100. [ In this case, the advance reservation processing unit 260 receives the input information for processing the financial transaction for which the advance reservation is requested from the financial terminal 100 and stores the advance reservation information including the input information in the advance reservation information database 220 It is possible to perform the advance reservation processing.
The advance reservation processing unit 260 may receive the advance reservation request from the window terminal 700. [ In this case, the advance reservation processing unit 260 receives the input information for processing the financial transaction for which advance reservation has been requested from the window terminal 700 and stores the advance reservation information including the input information in the advance reservation information database 220 It is possible to perform the advance reservation processing.
When the advance reservation processing is completed, the advance reservation processing unit 260 transmits the reservation result including the reservation code to the terminal (financial terminal 100, user terminal 600, and window terminal 700) To the user's mobile device.
The financial transaction processing unit 270 may process the financial transaction in cooperation with the financial terminal 100, the user terminal 600, or the window terminal 700.
The financial transaction processing unit 270 can provide financial services through on-line banking in cooperation with the user terminal 600. In addition, the financial transaction processing unit 270 may provide the financial service based on the information input through the financial terminal 100 in cooperation with the financial terminal 100. In addition, the financial transaction processing unit 270 may provide the financial service based on the information input through the window terminal 700 in cooperation with the window terminal 700.
When the user visits the financial terminal 100 or the bank window and requests the financial server 200 to complete the financial transaction, the financial transaction processing unit 270 transmits the financial transaction to the financial terminal 100 or the window terminal 700 It is possible to complete and process the pre-booked financial transaction in conjunction. The financial transaction processing unit 270 checks whether there is a financial transaction that the user made in advance in the financial server 200 based on the user identification information, the authentication information, or the reservation code. That is, it is searched whether the advance reservation information corresponding to the user identification information, the authentication information or the reservation code exists in the advance reservation information database 220. [ When the advance reservation information corresponding to the user is retrieved from the pre-reservation information database 220, the financial transaction processing unit 270 completes the pre-booked financial transaction using the pre-reservation information, or performs a pre-reservation Information to the financial terminal 100 or the window terminal 700.
Hereinafter, a method of reserving a financial transaction in a financial transaction system according to embodiments of the present invention will be described with reference to FIGS. 4 to 10. FIG.
FIG. 4 is a flowchart schematically illustrating a method of reserving a financial transaction in a financial server according to an embodiment of the present invention, wherein a request for reserving a financial transaction is received from a user terminal.
Referring to FIG. 4, the financial server 200 receives a financial transaction advance reservation request from a user terminal 600 connected through a wired / wireless communication network (S101).
The financial server 200 determines the type of the user who requested the advance reservation through the user terminal 600 based on the information received from the user terminal 600 (S102) before proceeding to the advance reservation procedure. Then, the user information is checked in different ways according to the user type of the user.
First, if the user is an existing customer registered in the on-line banking service, the financial server 200 performs a user authentication process for login of the online banking service and confirmation of the identity of the user (S103).
In step S103, the financial server 200 receives the user authentication information for authenticating the user from the user terminal 600, and performs the user authentication process in cooperation with the authentication server 300 based on the received user authentication information. In step S103, the authentication information used in the authentication process is used to authenticate whether the user is a user registered in the online banking service. The authentication information is used to authenticate the user by using the ID and password of the user registered in the online banking service, And may include acquired authentication information and an authorized certificate password.
If the authentication of the user in step S103 is successful, the financial server 200 reads the user information of the authenticated user from the user information database 210 and transmits the read user information to the user terminal 600 More procedures can be performed. In this case, when a user who has confirmed the user information transmits a user information modification request to the financial server 200 through the user terminal 600, the financial server 200 generates a user information update request based on the information received from the user terminal 600, Information may be updated.
If the user is not registered in the online banking service but is registered in the financial server 200 as an existing customer of the financial institution in step S102, the financial server 200 receives user information from the user terminal 600 (S104). In this case, the user information input from the user terminal 600 includes user's date of birth, ID number serial number (resident registration number, driving license number, etc.) as user identification information that can confirm whether the user is a user registered in the financial server 200 ), An account number and an account password, a mobile device number, and the like.
In step S102, if the user is a new customer that is not registered in the financial server 200, the new customer subscription information may be received from the user terminal 600 (S105). The new customer subscription information includes user name, date of birth, resident registration number, mobile device number, email address, home address, home phone number, job name, job information, work phone number, work address, . New customer subscription information received from the user terminal 600 may be stored in the user information database 210 of the financial server 200. When the corresponding user visits the bank or financial terminal 100 for processing of a financial transaction that has been reserved in advance, the financial server 200 performs authentication of the user and then transmits the new customer subscription information 210 stored in the user information database 210 The new customer registration process can be completed.
As described above, when the user information confirmation procedure (S103, S104, S105) is completed according to the type of the user, the financial server 200 transmits information necessary for pre-booking the financial transaction to the user terminal 600 (S106).
The information received from the user terminal 600 in step S106 may include financial transaction identification information. The identification information of the financial transaction is identification information of the financial transaction to be reserved in advance. The financial server 200 transmits a financial transaction list that can be reserved in advance to the user terminal 600. When the user selects one of them, the financial server 200 receives the identification information of the financial transaction selected by the user from the user terminal 600 .
Table 1 below shows an example of financial services (financial transaction) items that can be pre-booked in the financial server 200.
Table 1. Pre-booking service items
Referring to Table 1, the financial server 200 can provide advance reservation services for financial transactions such as a new deposit / withdrawal bank account, a new electronic banking subscription (including new after cancellation), and a new check card issuance. In addition, the financial server 200 may be provided with financial information such as a bankbook password change, a transfer limit change, an OTP (security card) re-issuance / OTP (security card) use registration, OTP lock release / error count initialization, You can also provide advance booking services for transactions. In addition, the financial server 200 can perform financial transactions such as issuance of a certificate, new commodity of a received commodity, application and execution of a credit product, addition / deletion of a withdrawal account, reporting of various types of medium accidents, conversion of a plan type received commodity, currency exchange / remittance, You can also provide advance booking services for transactions.
Meanwhile, the financial server 200 may apply the financial transaction items that can be reserved in advance differently according to the customer type of the user determined in step S102. For example, if the user is an existing customer who is not registered in the on-line banking service, the financial server 200 transmits only the financial transaction that can be provided through the account number input through step S104, . Also, for example, if the user is a new customer, only financial transactions related to a new subscription or a new issuance can be included as financial transaction items that can be reserved in advance.
In step S106, the financial server 200 may receive input information necessary for the processing of the financial transaction to be pre-reserved from the user terminal 600. [ When the user selects the pre-reservation object, the financial server 200 delivers the input information list necessary for processing the financial transaction selected as the object of pre-reservation to the user terminal 600 and transmits the corresponding input information to the user terminal 600 As shown in Fig. The information needed to process each financial transaction depends on the nature of each financial transaction. For example, when reissuance of a bankbook is selected as a reservation target, the financial server 200 may receive a passbook number (or an account number) to be reissued from the user terminal 600 for reissuing a bankbook.
In step S106, the financial server 200 may receive additional authentication information from the user terminal 600. [ If the financial transaction for which the user has requested the advance reservation is a financial transaction requiring additional authentication, the financial server 200 may receive additional authentication information from the user terminal 600 and perform additional authentication processing based on the received additional authentication information. The additional authentication information may include an ARS authentication number or password (account password, transfer password, passbook password, secure media password, etc.).
When the ARS authentication information is used for the additional authentication, the financial server 200 sends the ARS authentication number to the user's mobile device, and when the ARS authentication number is received from the user terminal 600, The authentication process can be performed in comparison with the authentication number. On the other hand, when the ARS authentication information is used for the additional authentication, the financial server 200 may receive the ARS authentication information directly from the mobile device after making a telephone connection with the user's mobile device. The mobile device number used for the ARS authentication can be obtained from the user terminal 600 or from the user information stored in the user information database 210. [
When the password is used for the additional authentication, the financial server 200 receives a password such as a transfer password from the user terminal 600, transmits the password to the authentication server 300 and requests authentication processing, ) And compare the received password with the user information stored in the storage unit (not shown).
When the financial server 200 receives the information (financial transaction identification information, input information necessary for the processing of the financial transaction, etc.) necessary for the preliminary financial transaction through the step S106, the financial server 200 transmits the pre- (220), thereby registering the advance reservation information (S107). The advance reservation information may include identification information of a financial transaction to which advance reservation is applied by the user, and input information necessary for processing a pre-booked financial transaction. The advance reservation information may include a reservation code for identifying the advance reservation information.
When the registration of the advance reservation information is completed, the financial server 200 transmits a pre-reservation result including the financial transaction identification information, reservation code, and the like, which are reserved in advance, to the user terminal 600 or the user (S108). Here, the mobile device number of the user can be obtained from the user terminal 600 or from the user information stored in the user information database 210.
Meanwhile, FIG. 4 illustrates a case where the user type is determined after receiving the advance reservation request from the user terminal 600, but the embodiment of the present invention is not limited thereto. For users subscribed to the online banking service, it is also possible to perform the advance reservation procedure after logging into the online banking service. In this case, the financial server 200 may perform the personal authentication procedure first and then receive the advance reservation request from the user.
4 shows an example in which the user authentication process is omitted when the user is not registered in the online banking service. However, in the case where the user is not registered in the on-line banking service, the financial server 200 may use the resident registration number, A real name authentication process using a certificate or the like may be performed.
4, if the user type of the user is determined, the user terminal 600 transmits the financial transaction list capable of being reserved in advance according to the customer type to the user terminal 600, The present invention is not limited to this example. The financial server 200 transmits a financial transaction list capable of being reserved in advance to the user terminal 600 so that the user can select a pre-reservation object first, and when the selection information of the financial transaction to be pre-booked from the user terminal 600 is received The process of determining the user's type of customer may be performed.
FIG. 5 is a flowchart schematically illustrating a financial transaction pre-booking method of a financial server according to another embodiment of the present invention, in which a pre-reservation request is received from a financial terminal.
Referring to FIG. 5, the financial server 200 receives a financial transaction advance reservation request from a financial terminal 100 connected through a wired / wireless communication network (S201).
The financial server 200 determines the type of the user who requested the pre-reservation based on the information received from the financial terminal 100 (S202) before performing the pre-reservation procedure. Then, the user information is checked in different ways according to the user type of the user.
First, when the user is a registered user in the financial server 200 as an existing customer of the corresponding financial institution, the financial server 200 performs the user authentication process of the user (S203).
In step S203, the financial server 200 receives the user authentication information from the financial terminal 100, and can perform the user authentication process in cooperation with the authentication server 300 or the external server based on the received user authentication information. In step S203, the authentication information used in the authentication process may include biometric information of the user, ID information of the user, user image, and the like. The method of performing the identity authentication process using the biometric information or the ID information of the user has been described in detail with reference to FIG. 2 and FIG. 3, and thus a detailed description thereof will be omitted. In step S203, the authentication information used in the identity authentication process may include a user name, a date of birth, an ID card serial number, an account number, and an account password.
In step S202, if the user is a new customer who is not registered in the financial server 200, the financial server 200 may receive new customer registration information from the financial terminal 100 (S204). The new customer subscription information includes user name, date of birth (or resident registration number), mobile device number, email address, home address, home phone number, job name, job information, work phone number, . The new customer subscription information received from the financial terminal 100 may be stored in the user information database 210 of the financial server 200. Then, when the corresponding user visits the bank window for processing of the pre-booked financial transaction, the financial server 200 performs authentication of the user, and then, based on the new customer registration information stored in the user information database 210, You can complete the procedure.
As described above, when the confirmation of the user information (S203, S204) is completed according to the type of the user, the financial server 200 receives the information necessary for pre-booking the financial transactions from the financial terminal 100 (S205).
In step S205, the financial server 200 may receive the identification information of the financial transaction selected as the object of reservation in advance from the financial terminal 100. [ The financial server 200 transmits a financial transaction list that can be reserved in advance according to the type of the user of the user to the financial terminal 100. When any one of the financial transactions is selected from the financial terminal 100, Identification information can be received from the financial terminal 100.
In step S205, the financial server 200 may receive information necessary for the processing of the financial transaction for which advance reservation is requested from the financial terminal 100 in advance. When the user selects the pre-reservation object, the financial server 200 transmits the input information list necessary for processing the financial transaction selected as the object of pre-reservation to the financial terminal 100, and transmits the corresponding input information to the financial terminal 100 As shown in Fig. The input information required to process a financial transaction depends on the nature of the financial transaction that the user pre-reserves. For example, when reissuance of a bankbook is selected as a reservation target, the financial server 200 may receive a passbook number (or account number) to be reissued from the user terminal 600.
The financial server 200 may further receive additional authentication information from the financial terminal 100 in step S205. If the financial transaction selected by the user as the pre-reservation target is a financial transaction requiring additional authentication, the financial server 200 may further receive additional authentication information from the user terminal 600 and perform additional authentication processing based on the received additional authentication information. The additional authentication information may include an ARS authentication number or password (account password, transfer password, passbook password, secure media password, etc.).
When the financial server 200 receives the necessary information (financial transaction identification information, input information for financial transaction processing, etc.) to perform the pre-reservation procedure through step S205, the financial server 200 transmits the pre-reservation information including the pre- And stores it in the database 220, thereby registering the advance reservation information (S206).
When the financial transaction pre-reservation procedure is completed by registering the pre-reservation information, the financial server 200 notifies the user of the pre-reservation result corresponding thereto (S207). The pre-reservation result may include identification information of a pre-booked financial transaction, and a reservation code for identifying advance reservation information. The reservation code can be generated in the form of a QR code, a bar code, and a serial number.
In step S207, the financial server 200 may transmit the pre-reservation result to the financial terminal 100. When the financial terminal 100 receives the pre-reservation result from the financial server 200, the financial terminal 100 displays it on the screen and guides the user. In addition, when the user's print request is received, the financial terminal 100 may transmit the pre-reservation result to a printing apparatus (not shown) and output it.
In step S207, the financial server 200 may transmit an SMS or MMS type pre-reservation result to the user's mobile device. To this end, the financial server 200 may acquire the user's mobile device number from the user information stored in the user information database 210, or may separately receive the user's mobile device number from the financial terminal 100.
5, the case where the user is a new customer and the authentication process is omitted in the pre-reservation process is shown as an example. However, the financial server 200 performs a simple authentication process such as a real name authentication even if the user is a new customer You may.
FIG. 6 is a flowchart schematically illustrating a financial transaction pre-booking method of a financial server according to another embodiment of the present invention, in which a pre-reservation request is received from a window terminal.
6, when the user visits the bank window to request the financial transaction processing, the financial server 200 receives user information, financial transaction selection information, and the like from the counter terminal 700, (S301).
If the financial transaction being processed is a financial transaction requiring authentication (S302), the financial server 200 performs authentication processing using the authentication information received from the counter terminal 700 (S303). The authentication information received from the counter terminal 700 in step S303 may include biometric information of a user, a transfer password, a passbook password, an account password, and the like.
The financial server 200 receives the input information related to the financial transaction processing from the window terminal 700 (S304) for financing transaction processing, and uses the input information received until finishing transaction processing to process the corresponding financial transaction (S305).
Meanwhile, the financial server 200 may receive a pre-reservation request for a financial transaction currently in progress from the counter terminal 700 in a state where the financial transaction has not been completed (S306, S307). If the completion of the financial transaction requested by the user is difficult due to insufficient documents or the like, the bank employee may request the advance reservation of the ongoing financial transaction through the window terminal 700.
When the financial server 200 receives the advance reservation request from the counter terminal 700, the financial server 200 registers advance reservation information for the ongoing financial transaction (S308), and transmits the reservation result to the window terminal 700 or the user's mobile device (S309).
In step S306, the pre-reservation information may include identification information of a financial transaction for which advance reservation is requested (current ongoing financial transaction), processing details up to the present, input information for processing a pre-booked financial transaction. The advance reservation information may include a reservation code for identifying the advance reservation information.
In step S309, the financial server 200 acquires the user's mobile device number from the user information stored in the user information database 210 or transmits the pre-reservation result to the user's mobile device, The mobile device number of the user can be separately received. The pre-reservation result may include a reservation code for identifying the pre-reservation information. The reservation code can be generated in the form of a QR code, a bar code, and a serial number.
Meanwhile, the financial server 200 may receive a financial transaction cancellation request during the financial transaction processing (S310). In this case, the financial server 200 cancels the current financial transaction, and cancels the financial transaction by deleting the current transaction (S311).
If the financial transaction processing is completed without the advance reservation request or cancellation request (S306), the financial server 200 transmits the user information stored in the user information database 210 or the ledger information stored in the ledger information database 230, Information is updated (S312).
FIG. 7 is a flowchart schematically illustrating a method for pre-booking a financial transaction of a user terminal according to an embodiment of the present invention, in which a pre-reservation process for a financial transaction is performed through Internet banking. FIGS. 8A to 8C show the pre-processing screen of financial transactions of the user terminal.
Referring to FIG. 7, the user terminal 600 transmits a financial transaction advance reservation request to the financial server 200 connected via a wired / wireless communication network based on a control input received from the user (S401).
8A, the user terminal 600 displays on-screen the online banking service screen 800 provided by the financial server 200 in connection with the financial server 200. On the online banking service screen 800, online banking menu items provided by the financial server 200 are listed and displayed. The user can select the menu item corresponding to the advance reservation among the menu items and request the financial server 200 to reserve the financial transaction. 8A, a user may select a visit reservation menu 810 among menu items, and then request a financial transaction advance reservation to the financial server 200 by selecting a pre-reservation service item 811. FIG.
Referring again to FIG. 7, the user terminal 600 determines the user type of the user according to the selection information input from the user (S402). Then, a procedure for checking user information is performed in different ways according to the user type of the user.
The user terminal 600 requests the user to input authentication information for authenticating the user when the user who has requested the advance reservation subscribes to the online banking service. When the authentication information for authenticating the user is received from the user, the user performs an authentication process of authenticating the user's online banking service and authenticating the user, in cooperation with the financial server 200 (S403). The authentication information used in the identity authentication processing may include an ID and a password of a user registered in an online banking service, authentication information acquired through a user's authorized certificate, and an authorized certificate password.
In the case of the user registered in the online banking service, the user terminal 600 receives the customer information (user information) of the user registered in the on-line banking service from the financial server 200 and displays it on the screen So that the user can be further confirmed. In this case, when the user terminal 600 receives a modification request of the customer information (user information) from the user, the user terminal 600 may transmit the modification request of the user to the financial server 200 to update the customer information (user information) .
If it is determined in step S402 that the user is not registered in the online banking service but is registered in the financial server 200 as an existing customer of the corresponding financial institution, the user terminal 600 confirms the user's identity To input user information. After the user information is input from the user, the user terminal 600 transmits the user information to the financial server 200 (S404). In step S404, the user information received from the user is user identification information for confirming whether the user is registered in the financial server 200. The user information includes information such as the date of birth of the user, the identification number serial number (resident registration number, etc.), the account number, A mobile device number, and the like.
If the user is a new customer not registered in the financial server 200 in step S402, the user terminal 600 receives new customer subscription information from the user to perform the new customer subscription procedure. , And can transmit it to the financial server 200 (S405). 8B, the user terminal 600 may include a name, a date of birth (or a resident registration number), a mobile device number, an e-mail address, a home address, a home address, and the like, when a user requesting advance reservation is a new customer not registered in the financial server 200. [ A user interface 840 for receiving user information such as a home phone number, an office name, job information, a work phone number, and a work address can be displayed on the screen, and user information can be received through the user interface 840.
As described above, when the user information confirmation procedure (S403, S404, S405) is completed according to the type of the user, the user terminal 600 receives the information necessary for the financial transaction advance reservation processing from the user. Then, it transfers it to the financial server 200 and processes the pre-reservation procedure (S406).
In step S406, the user terminal 600 may transmit the corresponding financial transaction identification information to the financial server 200 when a financial transaction to be pre-booked is selected from the user. The user terminal 600 receives a financial transaction list that can be reserved in advance from the financial server 200, displays the list on the screen, and prompts the user to select a pre-reservation object. When the user selects the pre-reservation object, the identification information of the financial transaction selected by the user as the pre-reservation object can be transmitted to the financial server 200. [
On the other hand, the user terminal 600 may display a financial transaction list which can be reserved in advance differently according to the customer type. For example, if the user is an existing customer who is not registered in the on-line banking service, the user terminal 600 transmits only a financial transaction that can be provided through the account number account input through step S404 to a financial transaction list It can be displayed on the screen. Also, for example, if the user is a new customer, only a financial transaction related to a new subscription or a new issuance can be displayed on the screen with a financial transaction list that can be reserved in advance.
In step S406, the user terminal 600 may receive information necessary for processing a financial transaction selected as a reservation target from the user, and may transmit the information to the financial server 200. [ When the pre-reservation object is selected, the user terminal 600 displays an input screen for inputting information necessary for processing the financial transaction selected as the pre-reservation object. When the corresponding input information is received from the user, the input information is transmitted to the financial server 200.
In step S406, the user terminal 600 may receive the additional authentication information from the user, and may transmit the additional authentication information to the financial server 200. [ If the financial transaction for which the user has requested the advance reservation is a financial transaction requiring additional authentication, the user terminal 600 may receive additional authentication information from the user and transmit the additional authentication information to the financial server 200 to perform additional authentication processing. The additional authentication information may include an ARS authentication number or password (account password, transfer password, passbook password, secure media password, etc.).
When the ARS authentication information is used for the additional authentication, the user terminal 600 receives the ARS authentication number transmitted to the user's mobile device from the user, and transmits the ARS authentication number to the financial server 200 to perform the additional authentication process . When the password is used for the additional authentication, the user terminal 600 receives the password such as the transfer password from the user, and transmits the password to the financial server 200 to perform the additional authentication processing.
The financial server 200 receiving the information (financial transaction identification information, input information for processing a financial transaction, etc.) necessary for preliminary financial transaction registration from the user terminal 600 registers the corresponding pre- And stores it in the database 220, thereby registering the advance reservation information.
When registration of the advance reservation information is completed by the financial server 200, the user terminal 600 receives from the financial server 200 a pre-reservation result including the financial transaction identification information and the reservation code that are reserved in advance (S407 ). When the user terminal 600 receives the pre-reservation result from the financial server 200, the user terminal 600 may display the result on the screen and deliver it to the user. 8C, the user terminal 600 stores the reservation number, the reservation date and time, the reservation validity period, the customer name, the date of birth, the application job information, the input information previously entered for the financial transaction processing Etc.) from the financial server 200 and displays it on the screen to guide the user of the prior transaction details.
7 shows an example in which the authentication process is omitted in the pre-reservation process when the user is not registered in the online banking service. However, the user terminal 600 may also be configured such that, even when the user is not registered in the online banking service A simple authentication process such as real name authentication and authorized certificate authentication may be performed in cooperation with the financial server 200. [
9 is a flowchart schematically illustrating a method for requesting a financial transaction advance reservation of a financial terminal according to an embodiment of the present invention.
Referring to FIG. 9, the financial server 200 requests a financial transaction advance reservation based on a control input inputted from a user (S501).
The financial terminal 100 determines the type of the user who requested the pre-reservation based on the information input from the user (S502) before performing the pre-reservation procedure. Then, a procedure for checking user information is performed in different ways according to the user type of the user.
First, the financial terminal 100 requests the user to input authentication information for authenticating the user when the user who has requested the reservation in advance is an existing customer registered in the financial server 200 in advance. When the authentication information is received from the user, the authentication processing is performed for confirming the identity of the user in cooperation with the financial server 200 based on the authentication information (S503). The authentication information used in the authentication processing may include biometric information of the user, user image, and identification information. When the authentication processing of the financial terminal 100 is successful, the financial terminal 100 may further perform a confirmation process of receiving confirmation of the user by receiving the user's customer information (user information) from the financial server 200 and displaying it on the screen .
In step S502, if the user is a new customer who is not registered in the financial server 200, the financial terminal 100 receives new customer subscription information from the user to perform the new customer subscription procedure. Then, the received new customer subscription information can be transmitted to the financial server 200 (S504).
As described above, when the confirmation procedure (S503, S504) of the user information is completed according to the type of the user, the financial terminal 100 receives the information necessary for the financial transaction advance reservation processing from the user and transmits the information to the financial server 200 And processes the pre-reservation procedure (S505).
In step S505, the financial terminal 100 may transmit the corresponding financial transaction identification information to the financial server 200 when a pre-reservation object is selected from the user. When a financial transaction list capable of being reserved in advance is received from the financial server 200, the financial terminal 100 displays the selected financial transaction list on the screen, receives a selection input for selecting one of the two from the user, And may transmit the identification information to the financial server 200.
On the other hand, the financial terminal 100 may display a financial transaction list that can be reserved in advance differently according to the customer type. For example, if the user is a new customer, the financial terminal 100 may display on the screen a list of financial transactions that can only be pre-booked for financial transactions related to new subscriptions or new issuances.
In step S505, the financial terminal 100 may receive input information necessary for processing a financial transaction to be pre-booked from a user.
In step S505, the financial terminal 100 may receive the additional authentication information from the user and may transmit the additional authentication information to the financial server 200. [ If the financial transaction requested by the user is a financial transaction requiring additional authentication, the financial terminal 100 may receive the additional authentication information from the user and transmit the additional authentication information to the financial server 200 to perform the additional authentication process. The additional authentication information may include an ARS authentication number or password (account password, transfer password, passbook password, secure media password, etc.).
When the ARS authentication information is used for the additional authentication, the financial terminal 100 receives the ARS authentication number transmitted to the user's mobile device from the user, and transmits the ARS authentication number to the financial server 200 to perform additional authentication processing . When the password is used for the additional authentication, the financial terminal 100 receives the password such as the transfer password from the user, and transmits the password to the financial server 200 to perform the additional authentication processing.
The financial terminal 100 transmits information (financial transaction identification information, input information for processing a financial transaction, etc.) necessary for performing the pre-reservation procedure to the financial server 200 through the step S505, (200) stores the corresponding advance reservation information in the advance reservation information database (220), and registers the advance reservation information.
When registration of the advance reservation information is completed in the financial server 200, the financial terminal 100 receives the corresponding reservation result from the financial server 200 (S506).
When the financial terminal 200 receives the pre-reservation result from the financial server 200, the financial terminal 100 displays the pre-reservation result on the screen, thereby guiding the user to the advance reservation details. In addition, when the user's print request is received, the financial terminal 100 may transmit the pre-reservation result received from the financial server 200 to a printing device (not shown) to print out the pre-reservation result.
9 shows an example in which the authentication process is skipped in the advance reservation process when the user is a new customer. However, the financial terminal 100 may be configured such that even when the user is not registered in the online banking service, the financial server 200 ) To perform simple authentication processing such as real name authentication.
FIG. 10 is a flowchart schematically illustrating a method for pre-booking a financial transaction of a counter terminal according to an embodiment of the present invention.
10, when a user visits a bank window and requests a financial transaction, the counter terminal 700 transmits user information, financial transaction selection information, and the like to the financial server 200 according to information input from a bank employee The processing of the financial transaction is started (S601).
If the financial transaction requested by the user is a financial transaction requiring authentication processing (S602), the window terminal 700 receives the authentication information from the user and performs authentication processing in cooperation with the financial server 200 based on the authentication information (S603). The counter terminal 700 can receive biometric information, ID information, transfer password, passbook password, account password, etc. of the user from the user as authentication information.
The window terminal 700 receives the input information related to the financial transaction processing at each step for the financial transaction processing and transfers the input information to the financial server 200 (S604), and processes the financial transaction stepwise.
The window terminal 700 can receive a pre-reservation request for a financial transaction currently in progress from the bank employee in a state where the financial transaction has not been completed (S605, S606). If the completion of the financial transaction requested by the user is difficult due to insufficient documents or the like, the bank employee may request the advance reservation of the ongoing financial transaction through the window terminal 700.
When a pre-reservation request for an on-going financial transaction is inputted, the window terminal 700 transmits a pre-reservation request for the ongoing financial transaction to the financial server 200 (S607). Thereafter, when the corresponding advance reservation information is registered by the financial server 200, the window terminal 700 receives the reservation result from the financial server 200 (S608) and displays it on the screen. The window terminal 700 can print out a print request of a pre-reservation result from a bank employee and print it out on a print medium.
The window terminal 700 may receive a financial transaction cancellation request during the financial transaction processing (S609). In this case, the window terminal 700 terminates the financial transaction by requesting the financial server 200 to terminate the current ongoing financial transaction (S610).
When the financial transaction is normally processed and completed without receiving the advance reservation request or cancellation request (S605), the window terminal 700 receives the financial transaction processing details from the financial server 200 (S611) and displays the financial transaction processing details on the screen .
As described in the above embodiments, a user who has applied for the advance reservation to the financial server 200 through the financial terminal 100, the user terminal 600, the window terminal 700, You can visit the bank window to process the pre-booked financial transaction.
Hereinafter, a method of providing a pre-booked financial service according to embodiments of the present invention will be described with reference to FIG. 11 to FIG.
11 is a flowchart schematically illustrating a method of providing a financial service of a financial server according to an embodiment of the present invention.
11, when the user visits the financial terminal 100 to request the financial transaction processing, the financial server 200 receives the user authentication information for authenticating the user's identity from the financial terminal 100 (S701 ). When the user authentication information is received, the financial server 200 performs authentication processing for the user in cooperation with the authentication server 300 based on the user authentication information (S702).
In step S701, the user authentication information may include biometric information of the user. In this case, the financial server 200 transmits the biometric information of the user to the authentication server 300, requests the user authentication, and receives the authentication result using the biometric information of the user from the authentication server 300.
In step S701, the user authentication information may include the user ID information (ID image) and the identification result of the administrator terminal 500. When the user's ID information is received from the financial terminal 100, the financial server 200 transmits the ID information to a server (not shown) of an institution (for example, a national agency such as the National Police Agency or the Ministry of Public Administration and Security) ), Requests authentication, and receives the authenticity check result of the ID information from the server. The authentication processing of the user can be performed based on the identification result of the identification card received from the administrator terminal 500 and the identification result of the identification card received from the external server.
In step S701, the user authentication information may include a result of the identification of the user and an authenticity verification result of the identification. In this case, when the financial terminal 100 receives the result of the verification of the user's image and the ID image of the user from the administrator terminal 500 (the identification result of the user and the identification result of the ID card) (200). The financial server 200 receiving the authentication result can verify the identity verification result and ID verification result received from the financial terminal 100 without performing a separate authentication procedure and perform the authentication processing of the user.
If the authentication is successful (S703), the financial server 200 searches the advance reservation information database 220 for the advance reservation information corresponding to the user (S704). On the other hand, if the user authentication fails (S703), the user notifies the financial terminal 100 that the authentication has failed (S712), and the user is relinquished the financial transaction or induces the user to retry the authentication through the financial terminal 100 .
In step S704, the financial server 200 acquires the identification information of the user from the authentication server 300 during the authentication process of the user in step S702, and searches the pre-reservation information corresponding to the user based on the identification information. The authentication server 300 searches the authentication information database 310 for the authentication information matching the authentication information received from the financial terminal 100 and performs the authentication process. When the matching authentication information is found in the authentication process, From the authentication information database (310).
In step S704, the financial server 200 may retrieve the advance reservation information corresponding to the user based on the user identification information included in the user authentication information. In this case, when receiving the authentication information from the user, the financial terminal 100 receives the user identification information together with the user identification information, and transmits the user identification information. The user identification information may include user name, identification information (resident registration number, driver's license number, etc.), mobile device number, card information, account number, and the like.
In step S704, the financial server 200 may retrieve the advance reservation information corresponding to the user based on the reservation code included in the user authentication information. In this case, when receiving the authentication information from the user, the financial terminal 100 receives the reservation code together with the reservation code, and transmits the user code included in the user authentication information.
If the financial server 200 retrieves the advance reservation information corresponding to the user from the advance reservation information database 220 in step S704, the financial server 200 transmits the identification information, the final processing step, the reservation code, To the financial terminal 100 (S706). Thereafter, the financial server 200 may receive a selection input as to whether to execute a pre-booked financial transaction from the financial terminal 100. [
When a request for execution of a financial transaction that has been reserved in advance is received from the financial terminal 100 (S707), it is necessary to process the identification information of the financial transaction previously reserved from the pre-reservation information searched in step S704 and the pre- And extracts input information (S708). In step S709, the user information stored in the user information database 210 or the ledger information stored in the ledger information database 230 is updated based on the previously booked financial transaction processing history (S710).
In step S709, the financial server 200 determines whether or not a financial transaction that can be processed in the financial server 200, such as a password change, a transfer limit change, a security medium unlock, a security medium error count initialization, , It is possible to complete the processing of the pre-booked financial transaction using the searched preset reservation information, and to transmit the processing result to the financial terminal 100.
In step S709, the financial server 200 transmits the searched pre-reservation information to the financial terminal 100 in the case where the financial transaction is a financial transaction that can be processed in the financial terminal 100, such as bankbook issuance / reissuance, card issuance / So that the financial terminal 100 can process the corresponding financial transaction.
If the financial transaction is not pre-booked by the user in step S705, or if the financial terminal 100 does not request the execution of the pre-reserved financial transaction, the financial server 200 performs the financial transaction processing according to a general financial transaction processing procedure (S711). That is, the financial server 200 receives input information for performing a financial transaction from the financial terminal 100, processes the corresponding financial transaction using the input information, and generates a user information database 210 ) Or the ledger information stored in the ledger information database 230. [0157]
12 is a flowchart schematically illustrating a method of providing a financial service of a financial server according to another embodiment of the present invention.
Referring to FIG. 12, the user visits the financial terminal 100 to request the provision of the pre-reservation service, and the financial server 200 receives the pre-reservation service provision request from the financial terminal 100 (S801).
The financial server 200 requests authentication information for authentication of the user's identity with the financial terminal 100 and receives user authentication information from the financial terminal 100 S802). In addition, the user authentication processing is performed using the authentication information received from the financial terminal 100 (S803).
In step S802, the user authentication information may include biometric information of the user. In step S802, the user authentication information may include the user ID information (ID image) and the identification result of the administrator terminal 500. In step S802, the user authentication information may include the identification result of the user and the identification result of the identification. In the meantime, the method of processing the identity authentication for each case has been described in detail in the process of step S701 and step S720 of FIG. 11, and a description thereof will be omitted.
If the authentication is successful (S804), the financial server 200 searches the advance reservation information database 220 for the advance reservation information corresponding to the user (S805). On the other hand, if the user authentication fails (S804), the financial terminal 100 is notified that the authentication has failed (S813), and the user is relinquished the financial transaction or is guided to retry the authentication through the financial terminal 100 .
In step S805, the financial server 200 acquires the identification information of the user from the authentication server 300 during the identity authentication process in step S803, and searches for the reservation information corresponding to the user based on the identification information. The authentication server 300 searches the authentication information database 310 for the authentication information matching the authentication information received from the financial terminal 100 and performs the authentication process. When the matching authentication information is found in the authentication process, From the authentication information database (310).
In step S805, the financial server 200 may retrieve the advance reservation information corresponding to the user based on the user identification information included in the user authentication information. In this case, when receiving the authentication information from the user, the financial terminal 100 receives the user identification information together with the user identification information, and transmits the user identification information. The user identification information may include user name, identification information (resident registration number, driver's license number, etc.), mobile device number, card information, account number, and the like.
In step S805, the financial server 200 may retrieve the advance reservation information corresponding to the user based on the reservation code included in the user authentication information. In this case, the financial terminal 100 receives the reservation code from the user, and transmits the reservation code in the user authentication information.
If the financial server 200 retrieves the advance reservation information corresponding to the user from the advance reservation information database 220 (S806), the financial server 200 transmits the identification information, the final processing step, the reservation code, To the financial terminal 100 (S807). Thereafter, the financial server 200 may receive a selection input as to whether to execute a pre-booked financial transaction from the financial terminal 100. [
When a request for execution of a financial transaction that has been reserved in advance is received from the financial terminal 100 (S808), it is necessary to process the identification information of the financial transaction previously reserved from the pre-reservation information searched through the step S805 and the pre- And extracts input information (S809). In step S810, the user information stored in the user information database 210 or the ledger information stored in the ledger information database 230 is updated based on the previously booked financial transaction processing history (S811).
In step S810, if the pre-booked financial transaction is a financial transaction that can be processed in the financial server 200, the financial server 200 completes processing of the pre-booked financial transaction using the searched pre-reservation information, To the financial terminal (100).
In step S810, the financial server 200 transmits the searched pre-reservation information to the financial terminal 100 when the pre-booked financial transaction is a financial transaction that can be completed in the financial terminal 100, When the financial transaction is completed, the processing result can be received from the financial terminal 100.
If the financial transaction is not pre-booked by the user in step S806, or if the financial terminal 100 does not request the execution of the pre-reserved financial transaction, the financial server 200 performs the financial transaction processing in accordance with a general financial transaction processing procedure (S812). That is, the financial server 200 receives input information for performing a financial transaction from the financial terminal 100, processes the corresponding financial transaction using the input information, and generates a user information database 210 ) Or the ledger information stored in the ledger information database 230. [0157]
13 is a flowchart schematically illustrating a financial service providing method of a financial server according to another embodiment of the present invention.
13, when the user visits the financial terminal 100 and requests processing of a pre-booked financial transaction, the financial server 200 receives a pre-reservation service provision request from the financial terminal 100 (S901 ). The financial server 200 may receive the user identification information or the reservation code when receiving the reservation service provision request.
When the financial server 200 is requested to provide the pre-reservation service, the financial server 200 searches pre-stored pre-reservation information corresponding to the user who requested the pre-reservation service (S902). That is, the financial server 200 retrieves the corresponding pre-reservation information from the pre-reservation information database 220 based on the user identification information or the reservation code received from the financial terminal 100. [
In step S903, the financial server 200 transmits the user's pre-reservation details to the financial terminal 100 requesting the provision of the pre-reservation service, when the pre-reservation information corresponding to the user is retrieved in step S902. The advance reservation details may include identification information of a previously booked financial transaction, a final progress step, a reservation code, and the like.
Thereafter, the financial server 200 receives the authentication information corresponding to the pre-booked financial transaction from the financial terminal 100 (S905), and performs authentication processing based on the authentication information (S906).
Each financial transaction (financial service) provided by a financial institution has its security level set differently according to the characteristics of the financial transaction (financial service), and the authentication information necessary for completing the corresponding financial transaction may be changed according to the security level have. Accordingly, the financial server 200 confirms the security level of the pre-booked financial transaction, and transmits the authentication information corresponding to the security level of the pre-booked financial transaction to the financial terminal 100 (S904) Can be requested.
For example, if the security grade of the pre-booked financial transaction is relatively high, the financial server 200 may request the authentication information, such as the user's biometric information, that can be verified by the user. On the other hand, if the security grade of the pre-booked financial transaction is relatively low, the financial server 200 can obtain the account password, the card password, the transfer password, the passbook password, the card number, the passbook number, the ID information (resident registration number, Or the like can be requested as the authentication information.
If the authentication of the user is successful (S907), the financial server 200 extracts the identification information of the financial transaction that is pre-booked from the searched pre-reservation information and the input information necessary for processing the financial transaction that is reserved in advance (S908). In step S909, the user information stored in the user information database 210 or the ledger information stored in the ledger information database 230 is updated based on the previously booked financial transaction processing history (S910).
In step S907, if the authentication fails, the financial server 200 notifies the financial terminal 100 of the authentication failure so that the user can retry the authentication of the user or abandon the financial transaction.
If it is determined in step S903 that the user does not have a predetermined financial transaction, the financial server 200 informs the financial terminal 100 that there is no financial transaction that has been previously reserved (S911).
11 to 13 illustrate a case where the financial server 200 provides a pre-reservation service to the user in cooperation with the financial terminal 200. However, the financial server 200 may interwork with the window terminal 200, And may provide the user with advance reservation service. In this case, the financial server 200 can provide a pre-reservation service in cooperation with the window terminal 700 instead of the financial terminal 100 by the method of FIGS.
FIG. 14 is a flowchart schematically illustrating a financial service providing method of a financial terminal according to an embodiment of the present invention. FIG. 15 is a flowchart illustrating details of the authentication processing step of FIG. 14, in which a biometric authentication method or an ID authentication method is selected by the user authentication method. 16A and 16B show examples of a financial service provision screen of a financial terminal.
14, upon receiving a financial service provision request from a user (S1001), the financial terminal 100 performs a user authentication process for confirming the identity of the user (S1002).
Hereinafter, the authentication method in step S1002 will be described in detail with reference to FIGs. 15 and 16A.
Referring to FIG. 15, the financial terminal 100 displays the identity authentication screen on the display 131 for authentication processing (S1101).
In step S1101, the financial terminal 100 can configure the identity authentication screen so that the authentication method can be selected. 16A, the financial terminal 100 may display on the display 131 a personal authentication screen 1610 for instructing to select either the biometric authentication 1611 or the ID authentication 1612. [ When the user who has confirmed the identity authentication screen 1600 inputs a selection input for selecting the authentication method, the financial terminal 100 can select either the biometric authentication method or the ID authentication method as the user authentication method based on the input.
15, the financial terminal 100 controls the biometric unit 140 to acquire the biometric information of the user (S1103) when the biometric authentication is selected by the authentication method (S1102). Then, the user authentication information including the user authentication information is transmitted to the financial server 200 to request a user authentication process (S1104).
Then, the financial terminal 100 receives the user authentication result from the financial server 200 (S1105) and displays the received user authentication result on the display 131 (S1109).
In step S1104, the financial server 200 receiving the user authentication information from the financial terminal 100 transmits the authentication result to the authentication server 300, requests the user authentication, and transmits the user authentication result from the authentication server 300 And transmits it to the financial terminal 100. When the user authentication information is received from the financial server 200, the authentication server 300 performs a user authentication process by comparing the biometric information included in the user authentication information with previously stored biometric information, and transmits the authentication result to the financial server 200 ).
In step S1102, when the ID authentication method is selected as the authentication method, the financial terminal 100 controls the camera 121 and the scanner 124 to acquire user image and ID information (S1106). Then, the user authentication information including the authentication information is transmitted to the administrator terminal 500 to request a user authentication process (S1107).
Then, the financial terminal 100 receives the user authentication result from the administrator terminal 500 (S1108), and displays the received user authentication result on the display 131 (S1109).
In step S1107, the administrator terminal 500 receiving the user image and the ID image from the financial terminal 100 displays the ID image on the screen, and receives the ID verification result from the bank employee. In addition, the authenticity examination result of the ID information can be received from the server by transmitting the ID information to a server of an authority (for example, the National Police Agency, the Ministry of Public Administration and Security) who can confirm the authenticity of the ID information. The administrator terminal 500 includes the result of the identification of the user and the authenticity verification result received from the external server in the user authentication result to the financial terminal 100.
Meanwhile, FIG. 15 shows an example of the authentication method in the financial terminal 100, and the embodiment of the present invention is not limited to this. For example, the financial terminal 100 may provide only one of the biometric authentication method and the ID authentication method. Also, for example, the financial terminal 100 may perform both the user authentication process using the biometric authentication method and the ID authentication method, and may determine that the user authentication is successful only when both user authentication through both authentication methods are successful . Also, for example, the financial terminal 100 may select one of a biometric authentication method and an ID authentication method depending on whether one of the biometric information and the ID information is input first. In addition to the biometric authentication method and the ID card authentication method, a third authentication method which can be substituted for face authentication in accordance with a change in technology or system can be used.
14, the financial terminal 100 displays the user authentication failure screen (S1009) if the user authentication fails in the user authentication result at step S1002 (S1003), and the user performs the authentication again .
In step S1003, the financial terminal 100 confirms whether there is a user's advance reservation from the financial server 200 (S1004). The financial server 200 can acquire the identification information of the user at the time of the identity authentication processing for the user and can search for existence of the advance reservation corresponding to the user based on the identification information of the user.
If the user's pre-reservation details exist, the financial terminal 100 receives the pre-reservation details from the financial server 200 (S1005). The advance reservation details may include identification information of a previously booked financial transaction, a final processing step, a reservation code, and the like.
The financial terminal 100 displays a pop-up window for informing that the advance reservation details are present when the advance reservation details are received from the financial server 200, and moving to a pre-booked financial transaction screen according to a user's selection input, Etc. can be displayed on the screen.
16B, the financial terminal 100 displays a pop-up window 1620 on the screen when the advance reservation details are received from the financial server 200. FIG. The pop-up window 1620 may include select buttons 1621, 1622 that allow the user to select whether to perform a pre-booked financial transaction. Therefore, the user who confirmed it can input an optional input whether or not to execute the pre-booked financial transaction.
The financial terminal 100 executes a pre-booked financial transaction item when the execution of the financial transaction that is pre-booked from the user is requested (S1006) (S1007). Also, the input information necessary for the financial transaction processing is extracted from the pre-reservation information received from the financial server 200, and the pre-booked financial transaction is processed using the extracted input information (S1008).
In step S1007, the financial terminal 100 displays the pre-reservation information received from the financial server 200 on the financial transaction screen, thereby minimizing the number of times the user is input.
On the other hand, if the financial terminal 100 does not have the advance reservation information registered in the financial server 200 or if the user refuses to execute the pre-reserved financial transaction, the financial terminal 100 displays an initial screen for providing the financial service (S1010). Then, the financial transaction is processed based on the information input from the user (S1011).
When the financial transaction processing is completed (S1008, S1011), the financial terminal 100 transmits the completion information including the financial transaction processing details to the financial server 200. [ The financial server 200 updates the user information or the ledger information stored in the financial server 200 based on the financial transaction processing details received from the financial terminal 100. [
FIG. 17 is a flowchart schematically illustrating a financial service providing method of a financial terminal according to another embodiment of the present invention.
Referring to FIG. 17, the financial terminal 100 requests the financial server 200 to provide a pre-reservation service (S1202) upon receiving a pre-reservation service provision request from the user (S1201).
In step S1201, the financial terminal 100 displays a graphic object (a menu item, an icon, a selection button, or the like) capable of requesting a pre-reservation service on an initial screen of a financial transaction, and the user can request a pre- have.
Then, the financial terminal 100 transmits the authentication information for identifying the user's identity to the financial server 200, and performs the authentication process for the user in cooperation with the financial server 200 (S1203). The personal authentication processing in step S1203 can be processed by the personal authentication method shown in Fig. 15 described above, and thus a detailed description thereof will be omitted.
If the authentication of the financial institution 100 is successful (step S1204), the financial terminal 100 confirms whether the user's advance reservation exists from the financial server 200 (S1205). On the other hand, when the authentication of the financial institution 100 fails (S1204), the financial terminal 100 displays the authentication failure screen (S1212), thereby inducing the user to retry the authentication of the user.
If the authentication of the user is successful, the financial server 200 searches the advance reservation corresponding to the user, and notifies the financial terminal 100 of the advance reservation corresponding to the user.
If the user's pre-reservation details exist, the financial terminal 100 receives the pre-reservation details from the financial server 200 (S1206). The advance reservation details may include identification information of a previously booked financial transaction, a final processing step, a reservation code, and the like.
The financial terminal 100 may receive a selection input to guide the presence of the advance reservation details and to select whether to execute a pre-booked financial transaction from the user when the advance reservation details are received from the financial server 200. [ To this end, the financial terminal 100 may display a pop-up window, an icon, or the like on the screen to support selection of whether to move to a pre-booked financial transaction screen. Accordingly, the user who has confirmed this can input the selection input to the financial terminal 100 as to whether or not to execute the pre-booked financial transaction.
The financial terminal 100 executes a pre-booked financial transaction item (S1208) when execution of a pre-booked financial transaction is requested by the user (S1207). Also, input information necessary for the financial transaction processing is extracted from the pre-reservation information received from the financial server 200, and the pre-booked financial transaction is processed using the extracted input information (S1209).
In step S1208, the financial terminal 100 displays the pre-reservation information received from the financial server 200 on the financial transaction screen, thereby minimizing the number of times the user is input.
On the other hand, if the financial terminal 100 does not have the advance reservation information registered in the financial server 200, or if the user refuses to execute the pre-reserved financial transaction, the financial terminal 100 displays an initial screen for providing the financial service (S1210). Then, the financial transaction is processed based on the information input from the user (S1211).
When the financial transaction processing is completed (S1209, S1211), the financial terminal 100 transmits the completion information including the financial transaction processing details to the financial server 200. [ The financial server 200 updates the user information or the ledger information stored in the financial server 200 based on the financial transaction processing details received from the financial terminal 100. [
On the other hand, in FIG. 14 and FIG. 17, it is possible to support the user to select whether or not to execute the pre-reserved financial transaction in the case where the advance reservation details exist, and only when the user requests execution of the pre- The financial transaction is executed. However, the embodiment of the present invention is not limited thereto. The financial terminal 100 may execute a financial transaction that has been reserved in advance without selecting a user if the user's advance reservation details exist in the financial server 200. [
18 is a flowchart schematically illustrating a financial service providing method of a financial terminal according to another embodiment of the present invention.
Referring to FIG. 18, the financial terminal 100 transmits a pre-reservation service request to the financial server 200 (S1302) upon request of a user to provide a preset reservation service (S1301).
In step S1301, the financial terminal 100 displays a graphic object (a menu item, an icon, a selection button, or the like) capable of requesting a pre-reservation service on an initial screen of a financial transaction, and the user can request a pre- have.
In step S1301, the financial terminal 100 may receive the user identification information or the reservation code from the user when receiving the pre-reservation service provision request from the user. The user identification information or the reservation code received from the user is transmitted to the financial server.
Upon receipt of the pre-reservation service provision request, the financial server 200 checks whether there is a prior reservation corresponding to the user based on the user identification information or the reservation code transmitted from the financial terminal 100, 100).
The financial terminal 100 receives the advance reservation details from the financial server 200 (S1304) when the user's advance reservation details exist in the financial server 200 (S1303). The advance reservation details may include identification information of a previously booked financial transaction, a final progress step, a reservation code, and the like.
If there is no advance reservation registered in the financial server 200 (S1303), the financial terminal 100 displays a screen informing that there is no pre-booked transaction (S1309). On the other hand, if there is the advance reservation registered in the financial server 200, the authentication processing for executing the pre-booked financial transaction is performed (S1305).
Each financial transaction (financial service) provided by a financial institution has its security level set differently according to the characteristics of the financial transaction (financial service), and the authentication information necessary for completing the corresponding financial transaction may be changed according to the security level have. Accordingly, the financial server 200 can confirm the security level of the pre-booked financial transaction and request the authentication information corresponding to the security level of the pre-reserved financial transaction when transmitting the advance reservation history.
Accordingly, in step S1305, the financial terminal 100 confirms the advance reservation details and confirms the corresponding authentication information, and displays a screen for guiding the user to input the authentication information. When the corresponding authentication information is received from the user, the authentication processing can be performed in cooperation with the financial server 200 based on the corresponding authentication information.
When the authentication of the financial institution 100 fails to execute the pre-booked financial transaction (S1306), the financial terminal 100 displays on the screen that the authentication of the user has failed (S1310), thereby inducing the user to retry the authentication of the user.
On the other hand, if the user authentication for executing the pre-reserved financial transaction succeeds (S1306), the pre-booked financial transaction item is executed (S1307). Also, the pre-booking information is received from the financial server 200, and the input information necessary for the financial transaction processing is extracted from the pre-booking information, and the pre-booked financial transaction is processed (S1308).
When the financial terminal 200 receives the advance reservation information from the financial server 200, the financial terminal 100 displays the combined payment on the financial transaction screen, thereby minimizing the number of times the user is input.
FIG. 19 illustrates an example of providing a secure media usage registration service through advance reservation in a financial service system according to an embodiment of the present invention.
Referring to FIG. 19, the user terminal 600 transmits a financial transaction advance reservation request to the financial server 200 through online banking (S 1401) as the use of the financial transaction pre-reservation service is selected from the user.
In the case of registration of secure media use, only users who subscribed to online banking service can make advance reservation through online banking. Accordingly, the user can preliminarily apply for the secure media use registration only when the user is logged in to the online banking service.
Therefore, in order to advance reservation of the secure media use registration, the user terminal 600 performs the identity authentication procedure for logging in on-line banking based on the information input from the user (S1402). The identity authentication process in step S1402 may be performed through the identity authentication process described with reference to step S103 of FIG.
As the user authentication process is completed and the user terminal 600 logs in to the online banking service, the user terminal 600 receives the input information for registration of the secure media usage from the user and transfers the input information to the financial server 200, And requests a reservation (S1403).
In step S1403, the input information for the security medium usage registration may include a security medium type (OTP generator, security card, etc.), security medium identification information (security medium serial number), and the like.
As the financial server 200 receives the advance reservation request for the secure medium usage registration and the input information for the secure medium use registration from the user terminal 600, the financial server 200 may store the advance reservation information corresponding to the user's security medium usage registration in advance And stores it in the information database 220 (S1404). Then, the reservation information including the reservation code is transmitted to the user terminal 600 (S1405).
In step S1405, the financial server 200 may transmit the reservation code to the user terminal 600 in the form of a QR code, a bar code, a serial number, or the like, and may not transmit the reservation code as described above.
The user who has received the reservation information through the user terminal 600 visits the financial terminal 100 for security media usage registration and requests the financial service.
The financial terminal 100 acquires biometric information from a user to provide financial services (S1406). Then, the user authentication is performed in cooperation with the financial server 200 based on the biometric information (S1407).
In step S1407, the financial terminal 100 transmits authentication information including biometric information to the financial server 200 to request authentication of the principal, and receives the authentication result from the financial server 200. [
When the authentication processing for the user is completed, the financial server 200 retrieves the user's advance reservation information from the advance reservation information database 220 (S1408). In step S1409, the financial server 200 completes processing for registering the security medium usage of the user by using the advance reservation information related to the user's security medium usage registration from the advance reservation information database 220. [ The financial server 200 transmits the security medium usage registration completion information to the financial terminal 100 (S1410) upon completion of the security medium usage registration. The financial terminal 100 receiving the notification may display on the screen that the security medium usage registration has been completed.
In step S1409, the financial server 200 extracts the input information for the security medium usage registration from the advance reservation information read from the advance reservation information database 220, and completes the security medium use registration process of the user based on the extracted input information. Then, the user information or the ledger information of the user is updated based on the security medium use registration processing history.
FIG. 20 illustrates an example of providing a passbook reissue service through advance reservation in the financial service system according to the embodiment of the present invention.
Referring to FIG. 20, the user terminal 600 transmits a financial transaction pre-reservation request to the financial server 200 through online banking as the use of the financial transaction pre-reservation service is selected from the user (S1501).
In the case of reissuing a passbook, an existing customer registered in the financial server 200 can be pre-booked through on-line banking. Accordingly, the user can apply for the advance rebooking of the passbook while logging in the online banking service or apply for the advance rebooking of the passbook without logging in the online banking service. FIG. 20 shows a case where a user pre-reserves a passbook reissue easily while the user is not logged in to the online banking service.
The user terminal 600 receives user information including the user name, date of birth, account number, account password, etc. from the user for the advance reservation without logging into the online banking service, and transmits the user information to the financial server 200 (S1502). In addition, the input information for reissuing the passbook is received from the user, and the request is forwarded to the financial server 200 to request a preliminary reservation for reissuing the passbook (S1503).
In step S1503, the input information related to the passbook re-issuance may include a passbook number (or an account number) to be reissued, a re-issuance reason, a passbook transaction history, and the like.
The financial server 200 receives the pre-reservation request for reissuing the passbook and the input information for reissuing the passbook from the user terminal 600, and stores the pre-reservation information corresponding to the re-issuance of the user's bankbook in the pre-reservation information database 220 (S1504). Then, the reservation information including the reservation code is transmitted to the user terminal 600 (S1505).
The user who has received the reservation information through the user terminal 600 visits the financial terminal 100 to request a financial service for reissuing the passbook.
The financial terminal 100 acquires biometric information from a user to provide a financial service (S1506). Then, the user authentication is performed in cooperation with the financial server 200 based on the biometric information (S1507).
When the authentication process is completed, the financial server 200 retrieves the user's pre-reservation information from the pre-reservation information database 220 (S1508). Then, as the advance reservation information related to re-issuance of the user's bankbook is retrieved from the advance reservation information database 220, it is transmitted to the financial terminal 100 (S1509).
The financial terminal 100 that has received the advance reservation information related to the passbook re-issuance from the financial server 200 executes the passbook reissue item and completes the passbook reissue process based on the pre-reservation information received from the financial server 200 (S1510 ). In other words, the financial terminal 100 can detect the input information for reissuing the passbook from the advance reservation information received from the financial server 200 and control the passbook depository 153 on the basis of the information to complete the passbook reissue. The passbook depository 153 can complete the passbook reissue by printing the passbook information on the passbook stored therein based on the input information detected from the advance reservation information and releasing the passbook with the printing completed to the outside.
On the other hand, when the banknote re-issuance is completed, the financial terminal 100 transmits the banknote re-issuance completion information to the financial server 200 (S1511). The financial server 200 receiving the information can update the user information or the ledger information of the user to complete the process of reissuing the passbook.
According to the above-described embodiments, the financial terminal 100 is implemented to include a biometric authentication function or an ID authentication function. A biometric authentication method that uses biometric information of a person and an ID authentication method that realizes identity authentication by real-time checking of a user's face and an identification card can be substituted for the face authentication method because authentication can not be performed except for the user himself. Accordingly, it is possible to provide financial services through the financial terminal 100, which have been performed only in a face-to-face authentication method at a bank window due to a security problem.
In addition, according to the above-described embodiments, the financial server 200 provides the advance reservation service for the financial transaction so that the user can access the user terminal 600 or the financial institution So that the terminal 100 can apply for advance reservation. In this process, the user registers the input information necessary for the financial transaction processing in the online banking or the financial terminal 100 in advance in advance in the financial server 200 so that the user can visit the financial terminal 100 or the bank window If you want to process a pre-booked financial transaction, you can skip complicated information input procedure, perform a simple authentication procedure, and support the completion of the transaction. Accordingly, the process of inputting information at the financial terminal 100 or the bank window can be omitted or minimized, thereby shortening the financial transaction processing time and the user waiting time, thereby enhancing the convenience of the user.
In addition, the financial server 200 supports application for advance reservation in order to carry out a subsequent transaction during the financial transaction at the bank window. In this process, the financial server 200 stores the processing steps and input information up to the present time, thereby omitting duplicated information input procedures and the like in the case where the user intends to carry out the transaction subsequently.
The method of providing financial services according to an embodiment of the present invention can be executed through software. When executed in software, the constituent means of the present invention are code segments that perform the necessary tasks. The program or code segments may be stored on a processor read functional medium or transmitted by a computer data signal coupled with a carrier wave in a transmission medium or a communication network.
A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. Examples of the computer-readable recording device include ROM, RAM, CD-ROM, DVD-ROM, DVD-RAM, magnetic tape, floppy disk, hard disk and optical data storage device. Also, the computer-readable recording medium may be distributed over a network-connected computer device so that computer-readable code can be stored and executed in a distributed manner.
It is to be understood that both the foregoing general description and the following detailed description of the present invention are illustrative and explanatory only and are intended to be illustrative of the invention and are not to be construed as limiting the scope of the invention as defined by the appended claims. It is not. Therefore, those skilled in the art can readily select and substitute it. Those skilled in the art will also appreciate that some of the components described herein can be omitted without degrading performance or adding components to improve performance. In addition, those skilled in the art may change the order of the method steps described herein depending on the process environment or equipment. Therefore, the scope of the present invention should be determined by the appended claims and equivalents thereof, not by the embodiments described.
