KR20190087890A - Finacial service system, client terminal and method for finacial service - Google Patents

Abstract

The present invention provides a system capable of conveniently processing finance-related tasks by providing financial services to a user in an augmented reality environment. According to an embodiment of the present invention, the financial service system comprises: a registration unit processing registration for a financial automation device; an information providing unit generating an augmented reality image applying an image of an object to the financial automation device to provide the augmented reality image to a customer terminal; and a processing unit performing a business process using the financial automation device in accordance with selection for the image of the object of the customer terminal.

Description

TECHNICAL FIELD [0001] The present invention relates to a financial service system, a customer terminal,

The present invention relates to a financial service system, a customer terminal, and a method for providing financial services.

Augmented Reality (AR) technology is a technique for superimposing virtual objects on the real world that the user sees. It is called Mixed Reality (MR) because it combines real world and virtual world with additional information in real time and displays it as one image. A variety of services are being offered that combine Augmented Reality (AR) technology. For example, Pokemon Go games have already become very familiar to users, while global companies offer AR coupon sales and various event services, but they have not yet been applied to financial services.

On the other hand, in the past, customers can visit financial institutions to conduct financial business, and can handle financial business without visiting financial institutions through a network. Typical examples are telebanking or internet banking. Recently, as smart devices have become widespread, the use of mobile banking, which handles financial transactions using mobile devices, is becoming common.

SUMMARY OF THE INVENTION The present invention provides a system for providing a financial service to a user in an augmented reality environment and conveniently processing financial related work.

A financial service system according to an exemplary embodiment of the present invention includes a registration unit for processing registration of a financial automatic machine, an information providing unit for generating an augmented reality image using the object image of the automated teller machine and providing the image to a customer terminal, And a processing unit for performing a business process using the financial automatic machine according to the selection of the object image of the customer terminal.

The processing unit may include an inquiry processing unit that processes the account inquiry service provided by the financial automation device to display the account inquiry service on the customer terminal.

The processing unit may include a remittance processing unit that remits the selected amount to the remittee selected by the customer terminal.

The processing unit may include a withdrawal processing unit for providing a withdrawal service through the automated teller machine.

The withdrawal processing unit may request authentication information from the client terminal and issue the one-time authentication information when the authentication information is received.

According to another aspect of the present invention, there is provided a financial service system including a registration unit for receiving a registration request for a fundraising facility and processing registration, an information providing unit for generating an augmented reality image using the object image of the fundraising facility, And a remittance processing unit for processing the donation according to the selection of the object image of the customer terminal.

The registering unit may process account registration for a group that operates the fundraising facility.

The remittance processing unit may request the client terminal for the authentication information and perform the remittance from the account to the client terminal after finishing the authentication.

A customer terminal according to another embodiment of the present invention includes a memory for storing an application for providing a user interface for displaying an augmented reality image to which an object image of a financial automatic machine is applied, a processor for calling and executing the application from the memory, And a display unit for outputting a screen according to an operation of the processing unit. The user interface provides a screen for selecting the object image and transmitting a financial service request made through the automated teller machine to the financial service system.

The financial service may include at least one of an account inquiry, withdrawal, and remittance.

A client terminal according to another embodiment of the present invention includes a memory for storing an application for providing a user interface for displaying an augmented reality image using an object image of a fundraising facility, a processor for calling and executing the application from the memory, And a display unit for outputting a screen according to the operation of the processing unit, wherein the user interface provides a screen for selecting the object image and transmitting the donation request to the financial service system.

The donation may be made by transferring funds from the customer's account to the account of the organization operating the fundraising facility after the authentication is completed.

According to another aspect of the present invention, there is provided a method for providing a financial service in a financial service system, comprising the steps of: registering a financial automation device; generating an augmented reality image using the object image of the financial automation device; Receiving a search request for the automated teller machine from a customer terminal, providing the augmented reality image to the customer terminal, selecting the object image from the customer terminal, and using the automated teller machine Receiving a processing request, and performing the business processing.

The business processing request may include at least one of an account inquiry, a remittance, and a withdrawal.

A financial service method according to another embodiment of the present invention is a method of providing a financial service by a financial service system, comprising the steps of: receiving a registration request for a donation facility; processing registration of the donation facility; Generating an augmented reality image using the object image, receiving a search request for the base facility from a customer terminal, providing the augmented reality image to the customer terminal, Receiving a selection and donation process request, and performing the donation process.

The donation process may be performed by transferring funds from the customer's account to the account of the organization that operates the fundraising facility after the authentication is completed.

According to the present invention, a customer can conveniently receive a service using an automation device in an Augmented Reality (AR) environment through his / her terminal, easily access and utilize donations and the like, Organizations can acquire new customers by providing financial services based on a new financial services platform.

1 is a block diagram of an environment in which a financial services system operates in accordance with an embodiment of the present invention.
2 is a block diagram of a financial services system in accordance with an embodiment of the present invention.
3 is a block diagram of a customer terminal in accordance with an embodiment of the present invention.
4 is a flowchart illustrating a financial service method according to an embodiment of the present invention.

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

Throughout the specification, when an element is referred to as "comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise. Also, the terms " part, "" module," and " module ", etc. in the specification mean a unit for processing at least one function or operation and may be implemented by hardware or software or a combination of hardware and software have.

A financial service system, a customer terminal and a method for providing financial services according to an embodiment of the present invention will be described in detail with reference to the drawings.

Referring to FIG. 1, a financial service system 100 is a server for providing financial services to a customer, and may be operated by a financial institution that provides various financial services such as registration, transfer, and settlement of financial products. To this end, the financial service system 100 provides an Internet banking site, which is a web page for providing financial services online, and provides a mobile banking site suitable for the environment of the mobile device. The financial service system 100 can provide various image screens to the customer terminal 200 using the augmented reality. For example, the augmented reality image screen provided by the financial service system 100 may include an image of a financial automation device and an image of a fundraising object.

The customer terminal 200 is a device for a customer of a financial institution to access and communicate with the financial service system 100 via a network. The customer terminal 200 may be a variety of communication devices such as, for example, various computers including a tap and a notebook, a personal digital assistant (PDA), a mobile communication terminal including a smart phone, and a television Can be used. An application that operates in conjunction with the financial service system 100 may be installed in the customer terminal 200. The application can display the image screen using the augmented reality.

The financial service system will now be described in detail with reference to FIG.

2 is a block diagram of a financial services system in accordance with an embodiment of the present invention.

Referring to FIG. 2, the financial service system 100 includes a registration unit 110, an information providing unit 120, and a processing unit 130.

The registration unit 110 handles the registration of the financial automatic machine or the fund raising facility. The registration unit 110 can perform the location-based registration process based on the list held by the financial service system 100 for the financial automatic machine. On the other hand, the registration unit 110 can receive information on fundraising facilities to be used from donations and fundraising organizations, and can register the funds. Fundraising facilities include, for example, Salvation Army charity pots and the like. At this time, the virtual account used by the organization for the fund-raising facility is registered together.

Meanwhile, the registering unit 110 may also process the service registration for the user of the customer terminal 200.

The information providing unit 120 converts the information on the financial automation equipment and the fundraising facility registered by the registering unit 110 into an augmented reality image and provides the augmented reality image to the customer terminal 200. An object image of the financial automation device in an augmented reality environment, and displays an image of the object of the fundraising facility and provides the object image to the customer terminal 200.

The processing unit 130 processes a task corresponding to the object image provided by the information providing unit 120 when the client terminal 200 transmits a task processing request. The processing unit 130 includes an inquiry processing unit 131, a withdrawal processing unit 133, and a remitting processing unit 135.

The inquiry processing unit 131 provides the contents of the account to the customer terminal 200 when the customer terminal 200 selects an object image of the automatic teller machine and requests an account inquiry service using the automated teller machine. At this time, the account may be an account previously registered by the customer terminal 200.

The withdrawal processing unit 133, when the customer terminal 200 selects the image of the object of the financial automation device and requests the withdrawal service using the financial automation device, performs withdrawal processing of the corresponding amount. Specifically, the customer terminal 200 selects an object image of the financial automatic machine and sets an amount to be withdrawn. Then, the withdrawal processing unit 133 requests authentication information such as a PIN number or biometric identification information to the customer terminal 200, and issues a one-time authentication number when the authentication information is received. At this time, the one-time authentication number can be valid only within a predetermined time. Then, the customer inputs the one-time authentication number received through the customer terminal 200 into the financial automatic machine or the customer terminal 200, and can dispense the corresponding amount when the authentication using the one-time authentication number is completed.

When the customer terminal 200 selects the object image of the automated teller machine and requests a remittance service using the automated teller machine, the remittant processor 135 remits the corresponding amount. Specifically, the customer terminal 200 selects an object image of the financial automation device and sets an amount to be remitted and remittee account information. Then, the remittance processing unit 135 can perform the remittance process after the authentication process.

On the other hand, when the customer terminal 200 selects the object image of the fundraising facility and requests the donation, the remittance processing unit 135 transfers the corresponding amount to the designated account of the relevant organization. Specifically, the customer terminal 200 sets an amount to be donated by selecting an object image of the fundraising facility. Then, the remittance processing unit 135 requests the customer terminal 200 for the PIN number or the biometric identification information, processes the authentication, and transfers the donation amount from the account of the customer previously registered to the account of the organization.

Now, the customer terminal 200 according to an embodiment of the present invention will be described in detail with reference to FIG.

3, the customer terminal 200 includes a communication unit 210, a memory 220, a display unit 230, an input unit 240, and a processing unit 250.

The communication unit 210 is connected to the processing unit 250 to transmit data received through the network to the processing unit 250 and transmits data output from the processing unit 350 to the network. That is, the communication unit 210 communicates with the financial system 100 through the network, and transmits the data transmitted and received to the processing unit 250. For example, the communication unit 310 receives an augmented reality image showing an object image of a financial automatic machine or an object image of a fundraising facility from the financial service system 100, and transmits authentication information, remittance, (100).

The memory 220 is connected to the processing unit 250 and stores various information for driving the processing unit 250. The memory 220 may be a medium such as a dynamic random access memory (DRAM), a Rambus DRAM, a synchronous dynamic random access memory (SDRAM), a static random access memory (SRAM) Can be implemented.

In particular, the memory 220 may store an application for performing authentication in cooperation with the financial system 100. At this time, the application can be downloaded and installed from an application transaction server such as an app store. The application provides an augmented reality image screen or means showing an object image of a financial automation device or an object image of a fundraising facility, a screen for inputting information for inquiry, withdrawal and remittance request, and a user screen for displaying a processing result .

The display unit 230 outputs information on the operation of the processing unit 250 to the screen. The display unit 230 may be a commercially available LCD (Liquid Crystal Display) or the like.

The input unit 240 includes means for inputting information from a provider on a screen output by the display unit 230. [ The input unit 240 may include a pointing device including a light joystick, a touch pad, a hall sensor, a fingerprint recognition sensor, a pressure sensor, and the like, a keypad, and a touch screen. The input unit 240 is connected to the processing unit 250 and transmits the input information to the processing unit 250.

The processing unit 250 may be implemented by a central processing unit (CPU) or other chipset, a microprocessor, and the like. The layers of the air interface protocol may be implemented by the processing unit 250.

The processor 250 includes an application control unit 251. The application control unit 251 calls an application from the memory 220 according to a user request transmitted from the input unit 240 and executes the application.

Now, a method of providing a financial service according to an embodiment of the present invention will be described in detail with reference to FIG.

4 is a flowchart illustrating a financial service providing service according to an embodiment of the present invention.

Referring to FIG. 4, the financial service system 100 receives a registration request for an object corresponding to an object image to be provided as an augmented reality image (S410). That is, the financial service system 100 can receive the registration request together with the information on the financial automation device or the fund raising facility. At this time, the financial service system 100 may register the account information of the organization that operates the fundraising facility. Also, the financial service system 100 can register and manage account information of a customer using the customer terminal 200. [

The financial service system 100 registers information on the financial automation equipment or the fundraising facility that received the registration request (S420). Next, the financial service system 100 generates an object image for a financial automation device or a fund raising facility, and applies it to the augmented reality to generate an augmented reality image.

Subsequently, the customer terminal 200 transmits a search request for the financial automation device or the fundraising facility to the financial service system 100 (S430). For example, the customer terminal 200 operates an application installed to search an object image of a financial automatic machine or an object image of a fundraising facility.

Then, the financial service system 100 provides the augmented reality image screen to the customer terminal 200, so that the customer terminal 200 provides the desired information (S440). That is, the financial service system 100 provides an augmented reality image screen including an object image of a financial automatic machine or an object image of a fundraising facility.

Then, in response to the customer's selection, the customer terminal 200 transmits a business process request to the financial service system 100 by selecting the object image on the augmented reality image screen (S450).

For example, the customer terminal 200 can select at least one of the object images of the plurality of financial automation devices, and can transmit a business process request for account inquiry, withdrawal, or remittance. Then, the financial service system 100 requests the client terminal 200 for necessary authentication information, performs the authentication process, and processes the corresponding service (S460).

Also, the customer terminal 200 can select any one of a plurality of fundraising facilities and transmit a business process request for the fund to the financial service system 100. Then, the financial service system 100 requests authentication information from the client terminal 200, performs the authentication process, and processes the corresponding service (S460).

Thereafter, the financial service system 100 may notify the client terminal 200 of the processing result (S470).

According to an embodiment of the present invention, a customer can easily search for a financial automation device using a subject image of a financial automation device in an augmented reality environment, and perform tasks performed through the financial automation device through his / her terminal So that the service can be provided conveniently. In addition, customers can easily search for fundraising facilities by images of objects for fundraising facilities in augmented reality environment, and they can easily access donation activities by selecting fundraising facilities on their terminals and through authentication process. As a result, financial institutions can acquire new customers through financial services based on a new financial services platform, and fundraising organizations can create new platforms to expand donations.

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

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It belongs to the scope of right.

Claims (16)

A registration unit for registering the financial automation equipment,
An information providing unit for generating an augmented reality image using the object image of the financial automation equipment and providing the augmented reality image to the customer terminal,
A processing unit for performing a business process using the automated teller machine according to selection of the object image of the customer terminal;
A financial service system. The method of claim 1,
Wherein,
And an inquiry processing unit for processing the account inquiry service provided by the financial automation device to display the account inquiry service at the customer terminal
A financial service system. The method of claim 1,
Wherein,
A remittance processing unit for remitting the selected amount to the remittee selected by the customer terminal,
A financial service system. The method of claim 1,
Wherein,
And a withdrawal processing unit for providing a withdrawal service through the automated teller machine
A financial service system. 5. The method of claim 4,
The withdrawal processing unit,
Requests authentication information to the customer terminal and issues the one-time authentication information when the authentication information is received
Financial service system. A registration unit for receiving a registration request for fundraising facilities and processing the registration,
An information providing unit for generating an augmented reality image using the object image of the fundraising facility and providing the augmented reality image to the customer terminal, and
A transfer processing unit for processing the donation according to the selection of the object image of the customer terminal,
A financial service system. The method of claim 6,
Wherein the registration unit comprises:
And an account registration for the organization operating the fund-raising facility is processed
Financial service system. 8. The method of claim 7,
The remittance processing unit,
After requesting authentication information to the customer terminal and completing authentication, transferring the account information from the account to the account of the customer terminal
Financial service system. A memory for storing an application providing a user interface for displaying an augmented reality image to which an object image is applied to a financial automation device,
A processor for calling and executing the application from the memory, and
And a display unit for outputting a screen according to the operation of the processing unit
Lt; / RTI >
The user interface selects the object image and provides a screen for transmitting a financial service request made through the automated teller machine to the financial service system
Customer terminal. The method of claim 9,
Wherein the financial service includes at least one of an account inquiry, withdrawal and remittance
Customer terminal. A memory for storing an application providing a user interface displaying an augmented reality image to which an object image of a fundraising facility is applied,
A processor for calling and executing the application from the memory, and
And a display unit for outputting a screen according to the operation of the processing unit
Lt; / RTI >
The user interface selects the object image and provides a screen for transmitting a donation request to the financial service system
Customer terminal. 12. The method of claim 11,
The base includes:
By transferring funds from the customer's account to the account of the organization operating the fund-raising facility after the authentication is completed
Customer terminal. A method for a financial services system to provide financial services,
Processing the registration for the financial automatic machine,
Generating an augmented reality image to which an object image of the financial automation device is applied,
Receiving a search request for the automated teller machine from a customer terminal,
Providing the augmented reality image to the customer terminal,
Selecting the object image from the customer terminal and receiving a business processing request using the automated teller machine; and
Performing the business process
≪ / RTI > The method of claim 13,
Wherein the business processing request includes at least one of an account inquiry, a remittance, and a withdrawal. A method for a financial services system to provide financial services,
Receiving a registration request for the donation facility,
Processing the registration for the base facility,
Generating an augmented reality image to which an object image of the base facility is applied,
Receiving a search request for the base facility from a customer terminal,
Providing the augmented reality image to the customer terminal,
Receiving a selection request and a donation process request for the object image from the customer terminal, and
Performing the donation process
≪ / RTI > 16. The method of claim 15,
In the base processing,
By transferring funds from the customer's account to the account of the organization operating the fund-raising facility after the authentication is completed
Financial service method.

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