KR20200027090A - Method and interactive banking system for procession interactive financial transaction - Google Patents

Abstract

Provided are an interactive financial transaction method and an interactive banking system for performing the same. The method for processing interactive financial transaction in an interactive banking system, operated by at least one processor, comprises the steps of: receiving a voice of a user or a text through a chat interface provided to a user terminal; performing natural language processing on text converted from the voice of the user or received text to extract intention data of the user; generating transaction data according to a financial transaction scenario corresponding to the intention data of the user to transmit the transaction data to a financial transaction server; and receiving, from the financial transaction server, result data of processing the transaction data to output the same to the user terminal through a voice or a text through the chat interface.

Description

METHOD AND INTERACTIVE BANKING SYSTEM FOR PROCESSION INTERACTIVE FINANCIAL TRANSACTION}

The present invention relates to an interactive financial transaction processing method and an interactive banking system that performs the same, and more particularly, to a technique for processing an interactive financial transaction through an AI-based chat service.

In the past, financial customers had to go to a branch to see their banking business and go through an identification process. However, in recent years, the number of customers receiving financial services on a non-face-to-face basis has increased rapidly, from opening an account to depositing deposits and applying for loans. With the combination of Fintech and IT, the smartphone has become the service contact instead of the window.

As such, due to the activation of non-face-to-face transactions, the financial sector is providing a chatbot-based financial service that enables customers to process financial affairs through conversations with Chatbot. Chatbot is a chat robot that means a software agent that can communicate with people, and is called chatterbot, chatterbox, and conversational agent.

An interactive financial transaction service using a chatbot has a method of transmitting a client's command through a text message to a bank's UMS (Unified Messaging System) system, and processing payment instructions from a previously designated personal account to another person's account.

In addition, the interactive financial transaction service using a chatbot provides a method of displaying a screen of an existing banking system or connecting to a corresponding banking page for a customer's transaction request input by voice or text.

In addition, an interactive financial transaction service using a chatbot has a method of requesting a transaction using a specific symbol (#, @, \) as a command.

However, these conventional financial transaction services have a limitation on the complete interactive financial transaction because the transaction request and the transaction result answer are limited based on a screen.

The technical problem to be achieved by the present invention is an interactive financial transaction processing that processes a financial task requested by a customer by grasping the customer's intention from a voice conversation or a text conversation with a customer in a conversation window implemented based on interactive artificial intelligence technology. It provides a method and an interactive banking system for performing the same.

A financial transaction processing method according to an embodiment of the present invention is a method of processing an interactive financial transaction in an interactive banking system operated by at least one processor, and is capable of receiving user voice or text through a chat interface provided to a user terminal. Receiving input, processing text or text received from the user's voice in natural language, extracting user intention data, and generating transaction data according to a financial transaction scenario corresponding to the user intention data, to a financial transaction server Transmitting, and receiving, from the financial transaction server, processing result data of the transaction data, and outputting to the user terminal through voice or text through the chat interface.

In the extracting step, the user intention data may be extracted by applying a plurality of different learning algorithms.

The user intention data includes an account transfer request, and the transmitting step comprises: Extracting an account transfer scenario corresponding to the user intention data, generating transfer content confirmation information based on account information previously stored in the ID of the user terminal and account transfer request information detected from the user intention data; The method may include outputting the transfer content confirmation information to the user terminal, receiving a transfer request from the user terminal, and transmitting a transfer transaction message to an account server.

The generating step includes: checking a withdrawal account pre-stored in the ID of the user terminal, detecting a counterpart account pre-stored in the ID of the user terminal or the user intention data, and transferring from the user intention data Confirming the requested amount, and And generating transfer information confirmation information including the withdrawal account, the counterpart account, and the transfer request amount, and the transfer transaction message can request to transfer the transfer request amount from the withdrawal account to the counterpart account. have.

Between the step of checking and the step of generating, further comprising the step of connecting to an account system server and checking the account balance of the withdrawal account, and the transfer content confirmation information includes: the withdrawal account, the counterpart account, and the transfer The requested amount and the account balance may be included, and a remittance request item may be included.

Between the step of receiving the transfer request and the step of transmitting to the account system server, requesting the input of the withdrawal account password for the transfer transaction, and if the password received from the user terminal matches the previously registered password, authentication is performed. It may further include the step of completing.

In the step of completing the authentication, if the password received from the user terminal matches a previously registered password, requesting the user terminal to additionally input an OTP (One Time Password) or a security card password, and the user If it is determined that the OTP or security card password received from the terminal is valid, it may include completing the authentication.

The user intention data includes a financial service inquiry request, and the transmitting step comprises: Extracting a financial service inquiry scenario corresponding to the user intention data, and generating a financial service inquiry message requesting at least one of account information, deposit or savings subscription information, and loan information based on the ID of the user terminal Step, and And transmitting the financial service inquiry message to an account server.

The user intention data includes a payment request for a bill, and the step of transmitting comprises extracting a bill payment scenario corresponding to the user intention data, and detecting a bill number or an electronic payment number from the user intention data. Step, checking the payment amount to the institution server corresponding to the giro number or the electronic payment number, checking a withdrawal account detected from the user intention data or a withdrawal account previously stored in the ID of the user terminal, the withdrawal account Requesting a password input for input and receiving, and if the input password is a previously registered password, performing authentication of one time password (OTP) or security card password, and if the authentication is successful, from the withdrawal account Total number corresponding to the Giro number or the electronic payment number To, may comprise transmitting a transfer transaction specialized in the transfer request to the remittance gyejeonggye server.

The financial transaction processing method according to another embodiment of the present invention is a method of processing an interactive financial transaction in an interactive banking system operated by at least one processor, and is capable of receiving user voice or text through a chat interface provided to a user terminal. Receiving input, processing the text or input text converted from the user's voice into natural language, extracting user intention data, extracting an account transfer scenario corresponding to the user intention data, detected from the user intention data Generating transfer content confirmation information based on the account transfer request information, outputting the transfer content confirmation information to the user terminal, receiving a transfer request from the user terminal, and transmitting a transfer transaction message to the account system server It includes the steps.

The generating step includes: checking a withdrawal account pre-stored in the ID of the user terminal, detecting a counterpart account pre-stored in the ID of the user terminal or the user intention data, and transferring from the user intention data Confirming the requested amount, and generating transfer content confirmation information including the withdrawal account, the counterpart account, and the transfer request amount, The transfer transaction message may request to transfer the transfer request amount from the withdrawal account to the counterpart account.

Between the step of checking and the step of generating, further comprising the step of connecting to an account system server and checking the account balance of the withdrawal account, and the transfer content confirmation information includes: the withdrawal account, the counterpart account, and the transfer A transfer request history including the requested amount and the account balance, and a transfer request item for the transfer request history may be included.

A communication device according to another embodiment of the present invention includes a plurality of user channels connected through a network, a communication device that handles receiving a financial transaction request and transmitting a financial transaction processing result, a memory storing an interactive financial transaction processing program, and the conversation And at least one processor that executes a type financial transaction processing program, wherein the interactive financial transaction processing program provides a chat interface through the plurality of user channels to receive user voice or text, and from the user voice Naturally processing the converted text or the received character, extracting user intention data, generating transaction data according to the financial transaction scenario corresponding to the user intention data, transmitting it to a financial transaction server, and from the financial transaction server, Having the processing result of the transaction data Receiving a batter, comprises a, the command (Instructions) to output to the user terminal in voice or text via the chat interface.

The plurality of user channels may include at least one of a mobile banking channel, a smart banking channel, an internet banking channel, and an automatic response system (ARS) of a call center.

The interactive financial transaction processing program inputs the extracted user intention data into a spoken dialog system (SDS) to generate a transaction message corresponding to the user intention data, and the user intention data to a dialogue agent (Dialogue Agent, DA), and may include instructions for generating transaction guidance data corresponding to the user intention data and transmitting and receiving to and from the user terminal.

The interactive financial transaction processing program extracts user intention data by natural processing text or input characters converted from the user's voice, and withdrawal accounts, counterpart accounts, according to account transfer scenarios corresponding to the user intention data. Then, when a transfer request is received from the user terminal by generating transfer content confirmation information including the transfer request amount, and transmitting the transfer content confirmation information to the user terminal, the user inputs a password for the withdrawal account and inputs the password If it matches the previously registered password, OTP (One time Password) or security card password authentication is performed, and if the authentication is successful, a transfer transaction requesting to transfer the transfer request amount from the withdrawal account to the counterpart account. Commands to send the full text to the account server It may include.

According to an embodiment of the present invention, a customer requests a financial transaction through a text conversation or a voice conversation through a bank's artificial intelligence system, and the bank provides a financial transaction requested by the customer in a conversational manner, thereby providing a separate transaction screen. Even if it is not provided, it is possible to provide an interactive financial transaction service capable of processing all transactions with only a conversation.

In addition, it is possible to expand financial transaction channels based on the Internet of Things (IoT) such as artificial intelligence speakers, automobiles, cognitive robots, and refrigerators.

1 is a block diagram showing the configuration of an interactive banking system according to an embodiment of the present invention.
2 is a flowchart illustrating an interactive financial transaction processing method according to an embodiment of the present invention.
3 is a flowchart illustrating a method for processing an account transfer according to an embodiment of the present invention.
4A and 4B are exemplary embodiments of the account transfer processing screen of FIG. 3.
5 is another embodiment of the account transfer processing screen of FIG. 3.
6 is a flowchart illustrating a method for processing information inquiry according to an embodiment of the present invention.
7 is an example of the balance inquiry processing screen of FIG. 6.
8 is a flowchart illustrating a utility bill payment processing method according to an embodiment of the present invention.
9 is an example of the utility bill payment screen of FIG. 8.
10 is a flowchart illustrating a financial product subscription processing method according to an embodiment of the present invention.
11A, 11B, and 11C are examples of the financial product subscription processing screen of FIG. 10.
12 is a flowchart illustrating a method for processing savings in accordance with an embodiment of the present invention.
13 is an example of the savings payment processing screen of FIG. 12.
14 is a block diagram showing a hardware configuration of an interactive banking system according to another embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art to which the present invention pertains may easily practice. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In addition, in order to clearly describe the present invention in the drawings, parts irrelevant to the description are omitted, and like reference numerals are assigned to similar parts throughout the specification.

Throughout the specification, when a part “includes” a certain component, it means that the component may further include other components, not to exclude other components, unless otherwise stated.

In addition, the terms "… unit", "... module" described in the specification means a unit for processing at least one function or operation, which may be implemented in hardware or software or a combination of hardware and software.

With reference to the drawings, an interactive financial transaction processing method according to an embodiment of the present invention and an interactive banking system performing the same will be described.

1 is a block diagram showing the configuration of an interactive banking system according to an embodiment of the present invention.

Referring to FIG. 1, the interactive banking system 100 analyzes a user's conversation intent based on artificial intelligence technology from voice or text input by the user through a chat interface. The interactive banking system 100 transmits a user's conversation intention to an external interlocking server 200, 300, 400, 500, 600, and requests a financial transaction suitable for the user's conversation intention. Then, the external linked server (200, 300, 400, 500, 600) transmits the financial transaction processing results to the interactive banking system (100). The interactive banking system 100 converts the processing result of the financial transaction received from the external linked servers 200, 300, 400, 500, 600 into text or voice, and outputs it through a chat interface.

As such, various financial transaction processing procedures such as account inquiry, account transfer, payment of Giro / utility bill, currency exchange, overseas remittance, and subscription to financial products can be handled through dialogue.

The interactive banking system 100 includes a user channel unit 110, a channel management unit 120, an intention classification unit 130, an artificial intelligence engine 140, and an external linkage unit 150.

The user channel unit 110 is connected to a user terminal (not shown) through a plurality of user channels. The channel manager 120 distinguishes a user channel connected to a user terminal (not shown), outputs a chat interface to the user terminal (not shown), and transmits and receives data for processing an interactive financial transaction through the chat interface.

The channel management unit 120 converts the user's voice input through the chat interface provided to the user terminal (not shown) into text through a speech to text (STT) process or converts the processing result of the AI engine 140 into TTS ( Text-to-Speech) process.

Intention classification unit 130 The user's intention data is extracted by natural processing the text or input characters converted from the user's voice. The intention classifier 130 may extract user intention data by applying a plurality of different learning algorithms.

According to an embodiment of the present invention, the intention classifying unit 130 may classify user intention data by applying a plurality of different learning algorithms step by step. The intention classification unit 130 is based on a natural language understanding processing unit 131, a simple instruction-based simple classifier (SC) 131, a deep learning classification (DNN) deep neural network (DNN) 133, and a morpheme dictionary. It may include a classification (HMD, Hierarchical Multiple Dictionary) 134, a dictionary rule-based classification (CS, Custom Script) (135). That is, the text or characters transmitted from the channel management unit 120, natural language understanding processing unit After natural language processing through (131), a simple instruction-based simple classifier (SC) 131, a deep learning classification (DNN) deep neural network (DNN) 133, a morpheme dictionary-based classification (HMD, Through the hierarchical multiple dictionary (134) and dictionary rule-based classification (CS) custom script (135), user intention data related to financial transactions is extracted.

The artificial intelligence engine 140 links financial transactions based on a dialogue agent 141 and a spoken dialog system (SDS) for processing a clear financial transaction flow due to the nature of the financial transaction. The AI engine 140 can also respond to information inquiry transactions other than financial transactions by utilizing various search (QA / MRC) engines for additional information guidance.

The external linkage unit 150 may interwork with the banking server 200, the account system server 300, the information system server 400, the UMS (Universal Message Service) server 500, and the call infrastructure 600.

A series of processes for processing interactive financial transactions through mutual linkage between the above structures will be described with reference to FIG. 2.

2 is a flowchart illustrating an interactive financial transaction processing method according to an embodiment of the present invention.

Referring to FIG. 2, the interactive banking system 100 provides a chat interface to a user terminal (not shown) connected through one channel among a plurality of user channels (S101).

The interactive banking system 100 receives a user voice or text from a user terminal (not shown) through a chat interface (S103).

When the user's voice is received, the interactive banking system 100 converts the user's voice into text (S107).

The interactive banking system 100 extracts user intention data through learning classifiers 132, 133, 134, and 135 by processing text or input characters converted from a user's voice through natural language processing (S109).

The interactive banking system 100 extracts a financial transaction scenario corresponding to user intention data (S111).

The interactive banking system 100 extracts information previously stored in the user ID (S113). At this time, the user ID can be obtained at login. When a user terminal (not shown) accesses the user channel unit 110, a terminal login procedure may be performed. The terminal login procedure may process authentication through an app-unique key (UUID) installed on a user terminal (not shown), and then auto-login. The interactive banking system 100 checks the user ID when the user terminal (not shown) logs in. The user ID may be stored in the account system server 300, or may be stored in a database provided by the interactive banking system 100 itself. In addition, information such as a withdrawal account mapped to the user ID may be stored in the account system server 300.

The interactive banking system 100 generates a transaction message according to the financial transaction scenario, based on information and user intention data that are previously stored in the user ID (S115). Here, the transaction message can be referred to as transaction data generated when a transaction is requested by a banking app.

The interactive banking system 100 transmits the transaction message to the interlocking servers 200, 300, 400, 500, and 600 (S117), and receives the transaction message processing result (S119).

The interactive banking system 100 converts the processing result of the transaction specialist into voice or text and outputs it to the chat interface (S121).

Based on the above configuration, a method of processing a financial transaction according to various embodiments of the present invention will be described.

First, FIG. 3 is a flow chart showing a method for processing an account transfer according to an embodiment of the present invention, FIGS. 4A and 4B are one embodiment of the account transfer processing screen of FIG. 3, and FIG. 5 is an account transfer processing screen of FIG. 3 It is another embodiment of.

Referring to FIG. 3, the interactive banking system 100 extracts user intention data requesting an account transfer transaction (S201), and extracts an account transfer scenario corresponding to the user intention data (S203).

The interactive banking system 100 checks the withdrawal account previously stored in the user ID or the withdrawal account extracted from the user intention data (S205).

The interactive banking system 100 transmits a transaction message inquiring the balance of the withdrawal account to the account system server 300 (S207), and receives a transaction message processing result (S209).

The interactive banking system 100 outputs transfer request information including a withdrawal account, a transfer request amount, a counterpart account, and a balance of the withdrawal account to the chat interface (S211), and receives a transfer request (S213).

The interactive banking system 100 requests the password input of the withdrawal account (S215), and determines whether authentication succeeds to determine whether the password matches the previously registered password (S217).

At this time, if the password authentication fails, the transfer transaction is failed (S219). If the password authentication is successful, a transfer transaction message is generated and transmitted to the account system server 300 (S221). After successful password authentication, the interactive banking system 100 may additionally request and input an OTP (One time Password) or a security card password to authenticate based on this.

4A and 4B for an example of such an interactive transfer transaction, the user may request an alias transfer (P1), such as "Send me 300,000 won to my mom," and the alias transfer is a text in a voice utterance or a chat window. Can be entered as Then, the interactive banking system 100 receives the transfer request information (P3) and the transfer request item (P5) including the withdrawal account, remittance amount, remittance fee, deposit bank, deposit account, recipient, deposit account summary, etc. It can be provided through the chat interface. At this time, when the user selects the remittance request item P5, the transfer transaction message is transferred to the account system server 300, and the processing result can be output as shown in FIG. 4B. The processing result may include remittance completion details (P7) and remittance statistics details (P9).

In addition, referring to FIG. 5, the user can request an account transfer (P11), such as "Hana Bank 9XX-1XXXX-01 transfers 300,000 won for a brief brief." Can be entered as Then, the transfer request information P13 and the remittance request item P15 may be output to the chat interface. As described above, even if the account number is directly uttered or written in text, the interactive banking system 100 can extract user intention data, that is, an account transfer request, from the input information and process a transfer transaction therefor.  

Next, FIG. 6 is a flowchart illustrating a method for processing information inquiry according to an embodiment of the present invention, and FIG. 7 is an example of a balance inquiry processing screen of FIG. 6.

Referring to FIG. 6, when the interactive banking system 100 extracts user intention data requesting information inquiry (S301), the information inquiry scenario corresponding to the user intention data is extracted (S303). The interactive banking system 100 transmits a transaction message requesting information inquiry to the account system server 300 based on the user ID (S305). Then, the inquired information is received (S307), and the inquired information is converted into voice or converted to text and output through a chat interface (S309).

Referring to FIG. 7, when the user makes a voice utterance or text input (P17), such as “tell me about the balance”, the pre-registered account balance referred to by the customer ID is guided (P19). In addition, additional request items such as past history comparison (P21), transaction history inquiry (P23), full account inquiry (P27), and termination (P29) may be provided.

Next, FIG. 8 is a flowchart illustrating a utility billing processing method according to an embodiment of the present invention, and FIG. 9 is an example of the utility billing processing screen of FIG. 8.

Referring to FIG. 8, the interactive banking system 100 extracts the user intention data requesting the Giro transfer (S401), and extracts the Giro transfer scenario corresponding to the user intention data (S403).

The interactive banking system 100 requests and receives an input of a giro number or an electronic payment number through a chat interface (S405).

The interactive banking system 100 requests an inquiry to the corresponding institution server (not shown) and receives the amount of the giro payment corresponding to the received giro number or electronic payment number (S407).

The interactive banking system 100 checks the withdrawal account corresponding to the user ID (S409). The withdrawal account confirmation may be performed in conjunction with the account system server 300.

The interactive banking system 100 outputs the payment request information and the withdrawal account including the payment amount of Giro through the chat interface (S411).

When the payment request is received (S413) through the chat interface from the user terminal (not shown), the interactive banking system 100 requests a password input (S415) and determines whether the input password matches a previously registered password. (S417).

At this time, if there is a discrepancy, the payment transaction fails (S419). On the other hand, if they match, a payment transaction message is generated and transmitted to the account system server 300 (S421). At this time, the interactive banking system 100 may additionally request and input an OTP (One time Password) or a security card password, and perform authentication to determine whether the received information matches pre-registered information.

Referring to FIG. 9, when a user utters a voice or inputs a text, such as "Please pay for a bill" on the chat interface (P29), examples of Giro types (OCR, KT phone bill, electricity bill, water and sewage bill) (P31) ), The Giro number (7 digits) input field (P33) and Giro payment details (P35) indicated in the Giro bill are displayed. At this time, if the giro number is entered and the giro payment history is confirmed, the giro payment procedure is completed after the password authentication procedure. The interactive banking system 100 may additionally request an OTP (One time Password) or a security card password.

Next, FIG. 10 is a flowchart illustrating a method for processing a financial product subscription according to an embodiment of the present invention, and FIGS. 11A, 11B, and 11C are examples of the financial product subscription processing screen of FIG. 10.

Referring to FIG. 10, when the user intention data requesting a subscription to a financial product is extracted (S501), the interactive banking system 100 extracts a financial product subscription scenario corresponding to the user intention data (S503). The interactive banking system 100 provides a financial product subscription based on the interactive engine technology according to the financial product subscription scenario, and receives financial product subscription information (S505). The interactive banking system 100 registers an alias for the processing of the subscribed financial product, for example, payment of savings (S507). The interactive banking system 100 generates a transaction message including financial product subscription information and a registered nickname and transmits it to the account system server 300 (S509). Thereafter, the processing result of the transaction specialist is provided to a user terminal (not shown) through a chat interface.

Referring to FIG. 11A, when a user inputs a voice utterance or a text, such as "I want to sign up for HAI savings" (P37), the interactive banking system 100 may sign up for a subscription period, subscription amount, deposit limit, interest rate, terms, and product manual. Then, the financial product subscription guide P39 requesting confirmation of consent is output. When the user clicks confirm consent, as shown in FIG. 11B, an alias input guide P41 and a target amount guide P43 are output. When the alias and target amount setting is completed, a product subscription processing result screen is displayed as shown in FIG. 11C.

Next, FIG. 12 is a flowchart illustrating a method for processing savings in accordance with an embodiment of the present invention, and FIG. 13 is an example of a screen for savings payment in FIG. 12.

Referring to FIG. 12, when the alias is extracted from the user intention data (S601), the interactive banking system 100 checks the withdrawal account and financial product subscription information registered in the alias in conjunction with the account system server 300 (S603). ). The financial product subscription information may include a financial product subscription account, a deposit amount, and the like.

The interactive banking system 100 requests an input of a withdrawal account password, performs authentication (S605) to determine whether the received password matches a previously registered secret number, and then transfers the transaction from the withdrawal account to the financial product account. Create and transmit to the account system server (300) (S607). At this time, the interactive banking system 100 may additionally request an OTP (One time Password) or a security card password.

The interactive banking system 100 receives the processing result of the transaction specialist from the account system server 300 and outputs it to the chat interface (S609). At this time, the processing result may be provided as shown in FIG. 13.

Meanwhile, FIG. 14 is a block diagram showing a hardware configuration of an interactive banking system according to another embodiment of the present invention.

Referring to FIG. 14, the interactive banking system 700 is composed of hardware including a communication device 701, a memory 703, a storage device 705, and at least one processor 707, and hardware in a designated place. The program executed in combination with is stored, and the hardware has a configuration and performance capable of executing the method of the present invention. These programs are software programs written in a programming language for the operation method of the present invention described with reference to FIGS. 1 to 13, and instructions for implementing the operation method of the present invention described with reference to FIGS. 1 to 13. And implements the present invention in combination with hardware such as memory 703 and at least one processor 707.

The embodiment of the present invention described above is not implemented only through an apparatus and method, and may be implemented through a program that realizes a function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded.

Although the embodiments of the present invention have been described in detail above, the scope of rights of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concept of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

Claims (16)

A method of processing an interactive financial transaction in an interactive banking system operated by at least one processor,
Receiving user voice or text through a chat interface provided to a user terminal,
Extracting the user's intention data by natural processing the text or input characters converted from the user's voice,
Generating transaction data according to the financial transaction scenario corresponding to the user intention data, and transmitting the transaction data to a financial transaction server, and
Receiving, from the financial transaction server, processing result data of the transaction data, and outputting it to the user terminal through voice or text through the chat interface
Including, interactive financial transaction processing method. In claim 1,
The extracting step,
An interactive financial transaction processing method by extracting the user intention data by applying a plurality of different learning algorithms. In claim 1,
The user intention data includes an account transfer request,
The transmitting step,
Extracting an account transfer scenario corresponding to the user intention data,
Generating transfer content confirmation information based on account information pre-stored in the ID of the user terminal and account transfer request information detected from the user intention data;
Outputting the transfer content confirmation information to the user terminal, receiving a transfer request from the user terminal, and
Step of transferring the transfer transaction to the account server
Including, interactive financial transaction processing method. In claim 3,
The generating step,
Checking a withdrawal account pre-stored in the ID of the user terminal,
Detecting a counterpart account from the counterpart account previously stored in the ID of the user terminal or the user intention data,
Confirming a transfer request amount from the user intention data, and
Generating transfer content confirmation information including the withdrawal account, the counterpart account, and the transfer request amount
Including,
The full text of the transfer transaction,
And requesting to transfer the transfer request amount from the withdrawal account to the counterpart account. In claim 3,
Between the confirming step and the generating step,
Further comprising the step of connecting to the account system server, checking the account balance of the withdrawal account,
The transfer content confirmation information,
A method of processing an interactive financial transaction, including the withdrawal account, the counterpart account, the transfer request amount and the account balance, and including a transfer request item. In claim 3,
Between receiving the transfer request and transmitting to the account server,
The step of requesting the input of the withdrawal account password for the transfer transaction, and
If the password received from the user terminal matches the previously registered password, completing authentication.
Further comprising, an interactive financial transaction processing method. In claim 6,
The step of completing the authentication,
If the password received from the user terminal matches the previously registered password, requesting the user terminal to additionally enter an OTP (One time Password) or security card password, and
If it is determined that the OTP or security card password received from the user terminal is valid, completing authentication.
Including, interactive financial transaction processing method. In claim 1,
The user intention data includes a financial service inquiry request,
The transmitting step,
Extracting a financial service inquiry scenario corresponding to the user intention data,
Generating a financial service inquiry message requesting at least one of account information, deposit or savings subscription information, and loan information based on the ID of the user terminal, and
Transmitting the financial service inquiry message to an account system server
Including, interactive financial transaction processing method. In claim 1,
The user intention data includes a request for payment of a bill of invoices,
The transmitting step,
Extracting a payment billing scenario corresponding to the user intention data,
Detecting a giro number or an electronic payment number from the user intention data,
Checking the payment amount to the institution server corresponding to the Giro number or the electronic payment number,
Checking a withdrawal account detected from the user intention data or a withdrawal account previously stored in the ID of the user terminal,
The step of requesting and inputting a password for the withdrawal account,
If the received password is a previously registered password, performing OTP (One time Password) or security card password authentication, and
If the authentication is successful, transmitting a transfer transaction message requesting transfer of the payment to the account system server from the withdrawal account to the account corresponding to the giro number or the electronic payment number.
Including, interactive financial transaction processing method. A method of processing an interactive financial transaction in an interactive banking system operated by at least one processor,
Receiving user voice or text through a chat interface provided to a user terminal,
Extracting the user's intention data by natural processing the text or input characters converted from the user's voice,
Extracting an account transfer scenario corresponding to the user intention data,
Generating transfer content confirmation information based on the account transfer request information detected from the user intention data,
Outputting the transfer content confirmation information to the user terminal, receiving a transfer request from the user terminal, and
Step of transferring the transfer transaction to the account server
Including, interactive financial transaction processing method. In claim 10,
The generating step,
Checking a withdrawal account pre-stored in the ID of the user terminal,
Detecting a counterpart account from the counterpart account previously stored in the ID of the user terminal or the user intention data,
Confirming a transfer request amount from the user intention data, and
And generating transfer content confirmation information including the withdrawal account, the counterpart account, and the transfer request amount,
The full text of the transfer transaction,
And requesting to transfer the transfer request amount from the withdrawal account to the counterpart account. In claim 11,
Between the confirming step and the generating step,
Further comprising the step of connecting to the account system server, checking the account balance of the withdrawal account,
The transfer content confirmation information,
And a transfer request history including the withdrawal account, the counterpart account, the transfer request amount and the account balance, and a transfer request item for the transfer request history. A communication device that processes a plurality of user channels connected through a network and a request for financial transaction and transmission of financial transaction processing results,
Memory that stores interactive financial transaction processing programs, and
And at least one processor that executes the interactive financial transaction processing program,
The interactive financial transaction processing program,
A chat interface is provided through the plurality of user channels to receive user voice or text,
The user's intention data is extracted by natural processing the text or input characters converted from the user's voice,
Generates transaction data according to the financial transaction scenario corresponding to the user intention data, transmits it to a financial transaction server, receives processing result data of the transaction data from the financial transaction server, and voice or text through the chat interface The interactive banking system including instructions output to the user terminal. In claim 13,
The plurality of user channels,
An interactive banking system comprising at least one of a mobile banking channel, a smart banking channel, an internet banking channel, and an automatic response system (ARS) of a call center. In claim 13,
The interactive financial transaction processing program,
Input the extracted user intention data into a spoken dialog system (SDS) to generate a transaction message corresponding to the user intention data,
And inputting the user intention data to a dialog agent (DA) to generate transaction guidance data corresponding to the user intention data, and transmitting and receiving the user intention data. In claim 13,
The interactive financial transaction processing program,
Transfer contents including a withdrawal account, a counterpart account, and a transfer request amount according to an account transfer scenario corresponding to the user intention data by extracting user intention data by natural processing the text or input text converted from the user's voice Generate verification information,
When the transfer content confirmation information is transmitted to the user terminal and a transfer request is received from the user terminal, a password input of the withdrawal account is requested,
If the entered password matches the previously registered password, OTP (One time Password) or security card password authentication is performed.
And if the authentication is successful, an interactive banking system including instructions for transmitting a transfer transaction message requesting to transfer the transfer request amount from the withdrawal account to the counterpart account to the account system server.

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