KR102853137B1 - System and method for providing pre-created screen and computer program for the same - Google Patents

Abstract

A method for providing a pre-written screen may include a step in which a server module selects item information necessary for processing a task; a step in which a first communication module receives task information input through a financial institution terminal based on the item information; a step in which the server module generates connection information corresponding to the item information and the task information; a step in which a second communication module transmits the connection information to a user terminal; and a step in which the server module provides a pre-written screen including the item information and the task information to the user terminal. According to the above method, when it is necessary to receive information from a customer, such as a financial consumer, there is an advantage in that the customer can be made to not need to input information or can be assisted in inputting information by providing a pre-written screen to the customer.

Description

System and method for providing pre-created screen and computer program for the same

The embodiments relate to a system and method for providing pre-written screens, and a computer program therefor. More specifically, the embodiments relate to a technology that, when it is necessary to receive information from a customer, such as a financial consumer, by providing access information corresponding to pre-written business information by a business representative, thereby providing the customer with a pre-written screen based on the business information, thereby eliminating the need for information entry on the customer's part or assisting in the information entry process.

Recently, with the advent of the Fintech era, the technological and social foundations have been established for financial institutions like banks to provide users with services that integrate financial services with information and communication technology. Users can access financial services remotely through the financial institution's service websites or applications (or apps), significantly reducing the need for in-person visits to branches.

However, when users process financial services remotely through an app, there is a problem in that users must find the necessary screens in the app and enter the necessary information, but users who are not familiar with banking have difficulty doing this.

For example, users often cannot find the menu corresponding to the task they are requesting in the app, or even if they find the menu, they often enter incorrect values such as personal information or asset information that must be entered directly. In such cases, there has been a problem in which financial institution employees have to guide the user by phone or other means to go through the process again from the beginning.

Patent Publication No. 10-2014-0068329

According to one aspect of the present invention, when it is necessary to receive information from a customer such as a financial consumer, a system and method for providing a pre-written screen, which can provide a pre-written screen to the customer based on the business information by providing access information corresponding to the business information pre-written by the business manager, thereby eliminating the need for information input from the customer side or assisting the information input, and a computer program therefor can be provided.

A method for providing a pre-written screen according to one aspect of the present invention comprises: a step in which a server module selects item information necessary for processing a task; a step in which a first communication module receives task information input through a financial institution terminal based on the item information; a step in which the server module generates connection information corresponding to the item information and the task information; a step in which a second communication module transmits the connection information to a user terminal; and a step in which the server module provides a pre-written screen including the item information and the task information to the user terminal.

In one embodiment, the connection information is a URL (Uniform Resource Locator) for switching the mode of an application already installed on the user terminal from a general mode to a business processing mode.

In one embodiment, the connection information is a URL corresponding to a web page configured in connection with the business processing.

In one embodiment, the step of providing the pre-written screen to the user terminal includes: determining whether the execution mode of the application installed on the user terminal is a general mode or a work processing mode; and, if the execution mode of the application is determined to be the work processing mode, transmitting or executing a script for substituting values of one or more variables to be displayed on the screen based on screen configuration data and the work information for generating a screen to be displayed on the user terminal, thereby providing the screen with the work information inserted to the user terminal.

A computer program according to one aspect of the present invention is stored in a computer-readable recording medium so as to be combined with hardware and execute a pre-written screen providing method according to the above-described embodiments.

A pre-written screen provision system according to one aspect of the present invention comprises: a server module including an item selection unit for selecting item information required for business processing, a connection information generation unit for generating connection information corresponding to the item information and the business information, and a screen provision unit for providing a pre-written screen including the item information and the business information to a user terminal; and a first communication module for receiving business information input through a financial institution terminal based on the item information.

In one embodiment, the screen providing unit is further configured to determine whether the execution mode of the application installed on the user terminal is a general mode or a work processing mode, and, if the execution mode of the application is determined to be the work processing mode, transmit or execute a script for replacing the values of one or more variables to be displayed on the screen based on screen configuration data and the work information for generating a screen to be displayed on the user terminal, thereby providing a screen with the work information inserted to the user terminal.

According to a system and method for providing a pre-written screen according to one aspect of the present invention and a computer program therefor, a technology can be provided that allows the customer to easily process work and save time by writing and providing item information and work information necessary for work processing to the customer, thereby proceeding with the process remotely according to the guide information displayed in the application even if the work is complex, and directly inputting only the parts that cannot be written by others.

FIG. 1 is a schematic block diagram of a pre-written screen provision system according to one embodiment.
FIG. 2 is a schematic block diagram showing the hardware configuration of a pre-written screen provision system according to one embodiment.
Figure 3 is a flowchart of a method for providing a pre-written screen according to one embodiment.
FIGS. 4A to 4E are exemplary images showing a user interface (UI) on a user terminal by a method for providing a pre-written screen according to one embodiment.
FIG. 5 is an exemplary image showing a user interface on a financial institution terminal by a method for providing a pre-written screen according to one embodiment.
Figure 6 is a flowchart of a screen providing method according to another embodiment.

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

FIG. 1 is a schematic block diagram of a pre-written screen provision system according to one embodiment.

Referring to FIG. 1, the pre-written screen provision system (2) according to the present embodiment can receive business information from a financial institution terminal (1). In addition, the screen provision system (2) is configured to generate access information corresponding to the business information and transmit the access information to a user terminal (3), thereby providing a pre-written screen to the user terminal (3) through the access information.

Hereinafter, the pre-written screen provision system (2) is named as screen provision system (2) for convenience of explanation.

The screen provision system (2) can communicate and operate with one or more financial institution terminals (1) and one or more user terminals (3). For the above operation, the screen provision system (2) is configured to be able to communicate with the financial institution terminals (1) and user terminals (3) via a wired and/or wireless network.

At this time, the wired and/or wireless networks include LAN (Local Area Network), MAN (Metropolitan Area Network), GSM (Global System for Mobile Network), EDGE (Enhanced Data GSM Environment), HSDPA (High Speed Downlink Packet Access), W-CDMA (Wideband Code Division Multiple Access), CDMA (Code Division Multiple Access), TDMA (Time Division Multiple Access), Bluetooth, Zigbee, Wi-Fi, VoIP (Voice over Internet Protocol), LTE Advanced, IEEE802.16m, WirelessMAN-Advanced, HSPA+, 3GPP Long Term Evolution (LTE), Mobile WiMAX (IEEE 802.16e), UMB (formerly EV-DO Rev. C), Flash-OFDM, iBurst and MBWA (IEEE 802.20) systems, HIPERMAN, Beam-Division Multiple Access (BDMA), Wi-MAX (World Interoperability for Microwave Access) and may refer to a communication network using one or more communication methods selected from the group consisting of ultrasonic communication, but is not limited thereto.

A financial institution terminal (1) is a device used by employees of financial institutions, such as banks and securities firms, that provide services to customers. Employees can pre-enter information required from customers of the financial institution into the financial institution terminal (1) and transmit this pre-entered information as business information to the screen provision system (2).

A user terminal (3) is a device used by a customer who wishes to use financial services through a financial institution corresponding to a financial institution terminal (1). Customers can receive financial services through a screen provided by a screen provision system (2).

A customer can use the service provided by the screen provision system (2) by executing a predetermined application (or app) on a user terminal (3) or accessing a predetermined link (e.g., URL) address.

The number of financial institution terminals (1) and user terminals (3) illustrated in Fig. 1 is merely exemplary. For example, in Fig. 1, the financial institution terminal (1) and user terminal (3) are each illustrated as one, but each may be multiple.

In FIG. 1, the financial institution terminal (1) is illustrated in the form of a personal computer, but in other embodiments, the financial institution terminal (1) may be implemented in the form of any computing device, such as a mobile communication terminal such as a smartphone, a notebook computer, a personal digital assistant (PDA), a tablet, a set-top box for IPTV (Internet Protocol Television), etc.

In addition, in FIG. 1, the user terminal (3) is illustrated in the form of a mobile communication terminal such as a smartphone, but in other embodiments, the user terminal (3) may be implemented in the form of any computing device such as a notebook computer, a personal computer, a personal digital assistant (PDA), a tablet, a set-top box for IPTV (Internet Protocol Television), etc.

Meanwhile, in the drawings attached to this specification, the screen provision system (2) is depicted as a separate device from the financial institution terminal (1) and the user terminal (3), but this is exemplary, and depending on the embodiment, the screen provision system (2) may be implemented in the form of a software application stored and executed on a terminal device, for example, the financial institution terminal (1).

The screen providing system (2) includes a first communication module (21) and a server module (22). In one embodiment, the screen providing system (2) further includes a second communication module (32). Each module (21-23) may include one or more functional units. Meanwhile, each of these units or modules (21-23) may be realized at least partially using the hardware (200) of the screen providing system (2).

That is, the screen providing system (2) according to the embodiments and each part or module (21-23) included therein may have aspects that are entirely hardware, or partially hardware and partially software. For example, each part and module (21-23) of the screen providing system (2) may collectively refer to hardware and related software for processing data of a specific format and content or/and exchanging data via electronic communication. In this specification, terms such as “part,” “module,” “device,” “terminal,” “server,” or “system” are intended to refer to a combination of hardware and software driven by the hardware. For example, the hardware may be a data processing device including a CPU or other processor. In addition, the software driven by the hardware may refer to a running process, an object, an executable, a thread of execution, a program, etc.

In addition, each element constituting the screen provision system (2) is not necessarily intended to refer to a separate device that is physically distinct from one another. That is, each part and module (21-23) of the screen provision system (2) illustrated in Fig. 1 is merely a functional division of the hardware constituting the screen provision system (2) according to the operations performed by the hardware, and each part does not necessarily have to be provided independently from one another. Of course, depending on the embodiment, one or more of the above-described parts and modules (21-23) may be implemented as a separate device that is physically distinct from one another.

A financial institution terminal (1) receives business information corresponding to a business processing request from a financial institution employee. The business processing request refers to a financial service that requires service from a customer, and the business information refers to information that a financial institution employee has previously entered, or information that a financial institution employee has previously entered to assist the customer in entering information to realize the service. For example, the business information may include financial information including asset data, customer information including personal information, and guidance information regarding the user interface (UI) displayed on the screen of the user terminal (3).

In one embodiment, the business information may be a variable value that constitutes part of screen configuration data (e.g., php, html documents, etc.) that generates a screen to be displayed on the user terminal (3). Alternatively, the business information may be guide information for displaying on the screen of the user terminal (3) the information necessary to receive input of such variable values from a customer.

The financial institution terminal (1) can transmit the entered business information to the screen provision system (2).

The user terminal (3) can receive a request for processing work from a customer. Furthermore, the user terminal (3) can transmit this request for processing to the screen provision system (2), thereby initiating a method for providing a pre-written screen according to embodiments of the present invention.

Additionally, the user terminal (3) can receive a screen for processing work from the screen providing system (2) through the connection information received from the screen providing system (2). For example, the user terminal (3) can receive a screen for processing work by executing an application pre-installed on the user terminal (3). Alternatively, the user terminal (3) can receive a screen for processing work by accessing a predetermined URL, etc.

In one embodiment, the execution mode of an application running on a user terminal (3) may include a normal mode and a work processing mode. Furthermore, the user terminal (3) may, in response to a predetermined data packet received from the screen provision system (2), switch the execution mode of the application to the normal mode or the work processing mode for work processing.

At this time, the general mode is a mode configured with pre-determined screen configuration data, and may be a mode in which the screen is configured in the form of a general software application, such as one or more screens and one or more menus displayed on each screen, so that the customer can directly select the desired screen and/or menu to perform the desired task processing. In other words, the user terminal (3) can receive the determined screen configuration data from the server module (22) and display it through the application.

Meanwhile, the business processing mode is a mode comprised of pre-written screens that include business information entered by financial institution employees along with item information, and may be a mode that allows customers to more easily perform business processing based on pre-selected item information and pre-entered business information. When the user terminal (3) is running in the business processing mode, business information pre-entered by financial institution employees may be inserted and displayed in a designated location, such as in an input window on the screen or as an overlay on the screen.

In one embodiment, the insertion location of business information on the screen displayed on the user terminal (3) can be predefined by the server module (22) and can also be set by a financial institution employee.

In other words, when running in business processing mode, the user terminal (3) receives screen configuration data for general financial business processing, and separately receives pre-entered business information and displays it on the screen in the form of an application or web page.

The server module (22) receives pre-entered business information from a financial institution employee through the financial institution terminal (1) and provides screen configuration data for processing financial business to the user terminal (3). At this time, the server module (22) may perform a selective operation of providing only predetermined screen configuration data or transmitting data that further includes business information entered by the financial institution employee on the screen configuration data, based on the execution mode of the application running on the user terminal (3) or the address information through which the user terminal (3) accessed the server module (22).

In one embodiment, the screen configuration data may be data configured based on item information selected by the item selection unit (222). In this case, the first communication module (21) may receive business information input from the financial institution terminal (1) corresponding to one or more items of item information based on the item information. In addition, for this purpose, the first communication module (21) may transmit item information corresponding to the business processing request to the financial institution terminal (1).

In this way, the first communication module (21) refers to the part of the server module (22) that transmits and receives data with the financial institution terminal (1).

Meanwhile, the second communication module (23) can receive a task processing request transmitted from the user terminal (3). Furthermore, the second communication module (23) can transmit connection information generated in accordance with the task information to the user terminal (3). Furthermore, the second communication module (23) can transmit a screen for task processing containing the task information to the user terminal (3). In this way, the second communication module (23) can transmit and receive data with the user terminal (3).

In one embodiment, the server module (22) may include an inspection unit (221), an item selection unit (222), a DB (223), a connection information generation unit (224), and a screen provision unit (225).

The inspection department (221) can regularly check whether customers have tasks that require updating. For example, the inspection department (221) can check for tasks that have been completed for a certain period of time by customers, and request processing of such tasks. This will be described in detail later.

The item selection unit (222) can select item information necessary for processing business. For example, based on a customer business processing request received from a user terminal (3), the item selection unit (222) can select item information necessary for processing corresponding financial business. Here, the item information may include customer information pre-stored in the database (223), screen information displaying menus for business desired by the customer, and manual information that the customer must confirm.

In one embodiment, the item selector (222) may generate recommended items for tasks that need to be calculated using information such as member level, balance, and/or credit rating.

Additionally, in one embodiment, the item selection unit (222) can select item information necessary for the task by using customer information and task rule information related to the task processing request.

For example, if identity verification is required for processing a task, the item selection unit (222) can select the name, resident registration number, address, etc. of the customer to be processed based on the database (222) and automatically enter them. In addition, if the task to be processed is fund subscription, the item selection unit (222) can select item information such as important financial product confirmation items and explanation confirmation required for fund subscription. Here, the item selection unit (222) can also select item information required for the task and automatically enter them using an artificial intelligence (AI)-based learning model.

DB (223) can store financial information including asset data and/or customer information including personal information. In addition, when business information is entered by a financial institution employee through a financial institution terminal (1), DB (223) can store the business information entered from the financial institution terminal (1).

The connection information generation unit (224) can generate connection information corresponding to item information and task information. Here, the connection information may be a link for an application running on the user terminal (3), for example, a specific URL for switching the execution mode of the application. Alternatively, the connection information may be a URL for a web page related to a task configured with a specific screen, enabling access from the user terminal (3).

The screen providing unit (225) can provide a pre-written screen containing item information and work information to the user terminal (3). For example, if the information transmitted to the user terminal (3) is a URL of a web page, a component that stores a web document (e.g., php, html, etc.) corresponding to such URL or supports a connection to a server where a web document is stored may correspond to the screen providing unit (225) of this specification.

In one embodiment, the screen provider (225) can determine whether the execution mode of the application installed on the user terminal (3) to which the customer is connected is a general mode or a business processing mode.

If the application's execution mode is normal mode, the screen provider (225) may provide screen configuration data as a response that has not been pre-written by a financial institution employee. For example, if the screen configuration data includes data to be displayed through the application and variables such as customer information to be displayed on the screen, if the application is normal mode, the screen provider (225) may provide screen configuration data in which the values of variables such as customer information are empty (e.g., set to null or 0), as a response.

On the other hand, if the execution mode of the application is a business processing mode, the screen provision unit (225) may provide a script that sets variable values, such as customer information, on the screen configuration data according to the business information entered by the financial institution employee. In this specification, the script may refer to a JavaScript executable through a web document, or may be any other arbitrary data packet that can be processed to change the values of variables to be displayed on the screen on an application running on the user terminal (3).

The screen provision unit (225) provides the corresponding script to the user terminal (3), and the user terminal (3) can receive the corresponding script and display screen configuration data. In this case, unlike when displaying a general screen configuration in which the variable values are empty, the user terminal (3) can display a screen in which business information such as customer information and/or guide information pre-entered in the financial institution terminal (1) based on item information is displayed in the form of variable values by executing the corresponding script.

In other words, the screen providing unit (225) can provide a pre-written screen to the user terminal (3) to eliminate the need for the customer to input information or to assist the customer in inputting information by displaying to the customer the customer information and guide information pre-entered in the financial institution terminal (1) based on one or more items of information that have been set or selected in advance.

In one embodiment, the server module (22) transmits a link for an application to a user terminal (3), and when a customer presses the link for the application through the user terminal (3), the execution mode of the application can be switched to a business processing mode. At this time, the screen providing unit (225) can determine whether the execution mode of the application is a business processing mode through a response received from the user terminal (3), and if it is a business processing mode, provide a screen with business information applied thereto.

In another embodiment, when a customer presses a web link (e.g., a URL of a given web page) via a user terminal (3), the user terminal (3) is connected to a server module (22), and the screen providing unit (225) can provide a page where item information and business information are stored on a screen via the user terminal (3). That is, in this case, the screen providing unit (225) can provide a screen for business processing by transmitting a page stored in advance, including input information of a financial institution employee.

FIG. 2 is a schematic block diagram showing the hardware configuration of a screen providing system according to one embodiment.

Referring to FIG. 2, the screen providing system according to the embodiments is implemented in the form of a computing device including hardware (200), and may include a memory (210), a processor (220), a communication module (230), and an input/output unit (240).

The memory (210) is a non-transitory computer-readable recording medium and may include a permanent mass storage device such as a random access memory (RAM), a read only memory (ROM), a disk drive, a solid state drive (SSD), a flash memory, etc. Here, the non-permanent mass storage device such as a ROM, an SSD, a flash memory, a disk drive, etc. may be included in the above-described device or server as a separate permanent storage device distinct from the memory (210).

Additionally, the memory (210) may store an operating system and at least one program code (e.g., code for a security module or an application installed to provide a specific service). These software components may be loaded from a computer-readable recording medium separate from the memory (210). This separate computer-readable recording medium may include a computer-readable recording medium such as a floppy drive, a disk, a tape, a DVD/CD-ROM drive, or a memory card.

In another embodiment, the software components may be loaded into the memory (210) via a communication module (230) rather than a computer-readable recording medium. For example, at least one program may be loaded into the memory (210) based on a computer program that is installed by files provided over a network by developers or a file distribution system (e.g., an application store service server) that distributes installation files for applications.

The processor (220) may be configured to process instructions of a computer program by performing basic arithmetic, logic, and input/output operations. Instructions may be provided to the processor (220) by the memory (210) or the communication module (230). For example, the processor (220) may be configured to execute instructions received according to program code stored in a storage device such as the memory (210).

The communication module (230) may provide a function for the screen provision system (2) to communicate with a financial institution terminal (1) and/or a user terminal (3) via a network. In addition, the communication module (230) may provide a function for the screen provision system (2) to communicate with one or more other devices via a wired and/or wireless network. That is, the communication module (230) is a part that realizes each functional module described above with reference to FIG. 1 by having its function controlled by a processor (220) referencing a memory (210).

The input/output unit (240) may be a means for interfacing with an external input/output device (not shown). For example, external input devices may include devices such as a keyboard, mouse, microphone, camera, etc., and external output devices may include devices such as a display, speaker, haptic feedback device, etc. As another example, the input/output unit (240) may be a means for interfacing with a device that integrates input and output functions, such as a touchscreen.

In addition, in other embodiments, the screen providing system (2) may include more hardware components than those illustrated in FIG. 2, depending on the nature of the device to which it is applied. For example, when the screen providing system (2) is applied to a terminal device used by a user, it may be implemented to include at least some of the above-described input/output devices, or may further include other components such as a transceiver, a GPS (Global Positioning System) module, a camera, various sensors, a DB, etc. As a more specific example, when the terminal device is a smartphone, it may be implemented to further include various components that are generally included in a smartphone, such as an acceleration sensor or a gyro sensor, a camera module, various physical buttons, buttons using a touch panel, input/output ports, and a vibrator for vibration.

However, the components and forms of the computing device described in this specification are merely exemplary, and the configuration of the computing device in which the screen provision system (2) is implemented may differ from that described in this specification depending on the adoption of other known technologies or the development of future information and communication technologies.

The screen provision method described below can be performed by a screen provision system (2) implemented in the form of a computing device including the hardware (2) configuration described above with reference to FIG. 2. For example, the screen provision method can be provided to a user in the form of a service based on at least one of an application, software, and other programs operating on a user device and/or a server.

FIG. 3 is a flowchart of a screen providing method according to one embodiment, FIGS. 4a to 4e are exemplary images showing a UI on a user terminal according to a screen providing method according to one embodiment, and FIG. 5 is an exemplary image showing a user interface on a financial institution terminal according to a screen providing method according to one embodiment.

Referring to Figures 1 and 3, in one embodiment, when a customer wishes to process a specific financial transaction, the user terminal (3) may transmit a transaction processing request to the screen providing system (2) based on the customer's user input (S11). For example, when a customer wishes to subscribe to a fund, the user terminal (3) may receive the customer's selection of a fund subscription menu on the application and transmit a transaction processing request corresponding to the fund subscription transaction to the screen providing system (2).

The second communication module (23) of the screen provision system (2) can receive a work processing request transmitted from a user terminal (3) connected to the screen provision system (2).

In one embodiment, the item selection unit (222) of the server management module (22) can select item information necessary for financial business processing corresponding to a business processing request received by the second communication module (23) and transmit it to the financial institution terminal (1) (S12).

Here, the item information may vary depending on the type of financial business, and may include, for example, customer information already stored in the DB (223) of the screen provision system (2), screen information displaying a menu for a business desired by the customer, and/or manual information that the customer must check.

In one embodiment, the item selection unit (222) can select item information that can be written in advance using customer information and transmit it to the financial institution terminal (1). For example, as illustrated in FIG. 4a, the item selection unit (222) can select the name, resident registration number, address, etc. of the customer who has requested business processing based on the customer information previously stored in the DB (223), and among these, the name, a specific part of the resident registration (e.g., the first six digits), and part of the address (e.g., city/district excluding the detailed address) that are required for business processing can be automatically entered and transmitted to the financial institution terminal (1).

Additionally, as illustrated in FIG. 4b, when a customer requests processing of a public offering subscription, the item selection unit (222) may select screen information displaying a menu for starting the relevant task. Furthermore, the item selection unit (222) may select information requiring customer confirmation, such as a prospectus, through an application UI or web screen on the user terminal (3) for processing the relevant task.

In one embodiment, the item selection unit (222) may generate recommended items for tasks that need to be calculated using pre-stored information about the customer, such as membership level, balance, and/or credit rating, and may provide the recommended items to the financial institution terminal (1) together with item information to be entered by a financial institution employee.

Additionally, in one embodiment, the item selection unit (222) may select item information required for a task by using customer information and preset rule information related to the task requested by the customer.

Furthermore, in one embodiment, the item selection unit (222) may select item information necessary for work by inputting a customer's work request into an artificial intelligence (AI)-based learning model.

In this way, the item selection unit (222) can select the item information that requires input in response to the customer's business processing request and transmit it to the financial institution terminal (1) (S12). Financial institution employees can pre-write the portions that the customer needs to write in order to process the customer's business, or input guide messages to assist the customer in writing, etc., corresponding to the item information (S13).

For example, the information that a financial institution employee enters into a financial institution terminal (1) may be guide information such as “Please fill in the information for identity verification” displayed corresponding to the resident registration number and address items in FIG. 4a, or guide information such as “Please click to read the confirmation information and check whether to issue or not to issue” displayed for the information item of the explanatory note required for subscription to public offering stocks in FIG. 4b.

Additionally, financial institution employees may specify the display format (e.g., size, color, shape, etc.) and/or display location of such guide information. While one embodiment of the present invention describes guide information as being displayed via speech bubbles, the display of guide information may differ from this, such as through highlighting, and is not limited to a specific format.

Additionally, the information entered by a financial institution employee into the financial institution terminal (1) may be information previously entered by the employee, including some of the information required to be entered by the customer. For example, the financial institution employee may pre-enter some or all of the customer's personal information, such as the customer's resident registration number and address, as shown in Figure 4a, based on the customer information stored in the database (22) of the screen provision system (2).

The screen provision system (2) can generate business information using information entered by a financial institution employee for one or more items for business processing via the financial institution terminal (1). The business information transmitted to the screen provision system (2) can be stored in the database (223) of the server module (22).

Additionally, the screen provision system (2) can generate access information that enables customers to access the screen on which such business information is displayed (S14). That is, the access information generation unit (224) can generate access information that allows the item information selected by the item selection unit (222) and the business information input from the financial institution terminal (1) to be displayed on the UI on the user terminal (3).

Here, the connection information may be a specific URL for switching the execution mode of an application running on the user terminal (3), or may be a URL of a web document for displaying a screen corresponding to item information and work information. For example, the connection information may be a URL for switching the execution mode of an application on the user terminal (3) from general mode to work processing mode.

In one embodiment, the generated connection information is provided to the financial institution terminal (1) by the screen provision system (2), and may be transmitted to the customer's user terminal (3) after verification by a financial institution employee through the financial institution terminal (1). However, this is exemplary, and in another embodiment, the connection information generated by the screen provision system (2) may be automatically transmitted to the user terminal (3) without going through a separate verification process by a financial institution employee.

In one embodiment, the screen provision system (2) may transmit notification information along with access information for a pre-written screen to the user terminal (3). Furthermore, this notification information may be transmitted to the customer's user device (3) after confirmation by a financial institution employee via the financial institution terminal (1). For example, the financial institution terminal (1) may transmit a notification message such as "The transaction requested by the customer is ready to be processed" to the user terminal (3) along with the access information.

When a user terminal (3) accesses the screen provision system (2) through the connection information transmitted by the screen provision system (2), the user terminal (3) can switch the execution mode of the application to the work processing mode. Alternatively, when the user terminal (3) accesses the screen provision system (2), the screen provision system (2) can determine whether a switch in the execution mode is necessary based on the URL used for access by the user terminal (3) (i.e., whether access was made through a URL corresponding to a pre-written screen), and can transmit a response to the user terminal (3) for switching the execution mode of the application on the user terminal (3).

When the execution mode of the application on the user terminal (3) is the business processing mode, or when the user terminal (3) accesses through a URL corresponding to a pre-written screen, the screen providing unit (225) of the server module (22) provides the user terminal (3) with a pre-written screen based on the item information and the business information input from the financial institution terminal (1) corresponding to one or more items (S17).

In a specific screen provision method, the screen provision unit (225) can provide screen configuration data configured based on item information required for business processing, and business information pre-entered by a financial institution employee corresponding to one or more items included in the screen configuration data to the user terminal (3). The user terminal (3) can receive this information and display it on the screen through an application or a web browser, etc.

When an application on a user terminal (3) is in a work processing mode, the user terminal (3) may display screen configuration data and substitute the values of specific variables in the screen configuration data based on work information such as customer information or guide information entered by a financial institution employee. This operation may be performed through a script executed on the user terminal (3), but is not limited thereto, and provision of a pre-written screen may be performed in such a way that after variable value substitution is performed by the server module (22), screen configuration data having the substituted variable value is transmitted to the user terminal (3).

Additionally, in one embodiment, the screen providing unit (225) sequentially provides a plurality of screens configured according to a process for processing work, and the user terminal (3) can display the corresponding screens.

For example, when a customer wishes to subscribe to a fund, as illustrated in FIG. 4c, the screen providing unit (225) can provide a screen for subscribing to a fund selected from the item selection unit (222), and can also provide guide information such as [Click to read the confirmation information and press 'Next'] according to the business information entered in the financial institution terminal (1).

After the customer completes the confirmation and presses the 'Next' button displayed at the bottom, the screen providing unit (225) can provide the user terminal (3) with a pre-written screen corresponding to the next procedure in a preset order among multiple pre-written screens.

The screen provided at this time may be a pre-written screen in which information that the customer must confirm or enter in the next step is at least partially pre-entered, or guide information for entering the same is pre-entered.

For example, as illustrated in FIG. 4d, the screen providing unit (225) may provide a pre-written screen to the user terminal (3) that includes the description information, which is an item selected for processing financial business, and corresponding guide information such as 'Please click to read the confirmation information and then click to agree', which is input in advance from the financial institution terminal (1).

Additionally, as illustrated in FIG. 4e, when a customer completes verification and presses the "Next" button displayed at the bottom, the screen provider (225) may provide a UI for entering additional information, such as the new amount to be subscribed to, automatic transfer, etc., and a pre-written screen containing corresponding values or guide information pre-entered by a financial institution employee. Through this embodiment, the customer can proceed with the financial transaction process by moving between multiple pre-written screens.

In one embodiment, if a customer experiences difficulty in performing a task despite the provision of a pre-written screen, the customer may contact a financial institution employee by selecting at least one UI element, such as a 1:1 inquiry or a counselor connection, displayed on the UI of the user terminal (3). Here, the 1:1 inquiry may be a function for leaving a written inquiry, and the counselor connection may be a function for making a phone call or video call with a counselor.

For example, when a customer presses "Connect to a Counselor," the customer is connected to a staff member, and the screen provision system (2) can be configured so that the staff member mirrors the screen of the work the customer is currently processing. At this time, the screen of the customer processing the work is displayed on the financial institution terminal (1), thereby enabling the financial institution staff member to assist the customer in processing the work. The mirroring request can be realized by the screen provision unit (225) providing a pre-created screen to both terminals in response to a request received from the financial institution terminal (1) and/or the user terminal (3).

As illustrated in FIG. 5, an employee can guide input items by manipulating a predetermined UI element, such as a cursor, on a screen mirrored on a financial institution terminal (1), and manipulation of the UI elements on the financial institution terminal (1) can be identically displayed on a pre-written screen on the user terminal (3). The form of manipulation of the UI elements is not limited to a cursor, and messages, voices, or other arbitrary forms of data can be transmitted to the user terminal (3) along with the pre-written screen, thereby allowing a financial institution employee to assist a customer in processing work.

Figure 6 is a flowchart of a method for providing a pre-written screen according to another embodiment.

Referring to FIGS. 1 and 6, in this embodiment, the inspection unit (221) of the server management module (22) can automatically check whether customers have tasks that require updating (S21). For example, the inspection unit (221) can periodically or according to a schedule for each customer to check whether there are customers who require verification under the customer verification system. If a specific customer has tasks that require updating, the inspection unit (221) can send a notification to the financial institution terminal (1) notifying that the customer needs to process the tasks.

Additionally, the item selection unit (222) of the server management module (22) can define tasks identified as necessary through inspection as new task processing requests, select item information necessary for processing the tasks, and transmit it to the financial institution terminal (1) (S22). Here, the meaning of the item information can include customer information, screen information displaying menus for tasks desired by the customer, and manual information that the customer must confirm, similar to the embodiment described above with reference to FIG. 3.

Based on the selected items corresponding to the reviewed work, a financial institution employee pre-enters some of the customer's input information or guide information to assist the customer in entering information into the financial institution terminal (1). The entered information is transmitted as work information to the screen provision system (2) (S23). The transmitted work information can be stored in the database (223) of the screen provision system (2).

The connection information generation unit (224) generates connection information corresponding to the business information and transmits it to the financial institution terminal (1) for confirmation of the corresponding screen. Furthermore, the connection information may be transmitted to the user terminal (3) of the customer under inspection after confirmation by a financial institution employee via the financial institution terminal (1) (S25). However, in another embodiment, connection information corresponding to a pre-created screen may be transmitted directly from the screen provision system (2) to the user terminal (3) without confirmation by a financial institution employee.

At this time, along with the connection information, notification information notifying the task to be inspected may also be transmitted to the user terminal (3). For example, the screen provision system (2) may transmit notification information such as "Customer, it is time to process the OOO task. We will send you the page for processing" to the user terminal (3) along with the connection information of a pre-written screen.

A customer can access the connection information through an application or web browser on a user terminal (3) and receive a UI including a pre-written screen to perform necessary financial tasks (S26, S27). This process is identical to the corresponding steps of the embodiment described above with reference to FIG. 3, so a detailed description thereof is omitted to avoid duplication of explanation.

In the past, customers had to visit a branch office to handle complex financial transactions that were difficult to handle on their own.

On the other hand, by using the embodiments of the present invention described above, even complex tasks that are difficult for customers to handle on their own can be processed remotely by following information or instructions exposed through applications or web pages on the user terminal (3), which makes it much easier for customers to handle financial transactions, saves time required for visiting a branch office, and has the advantage of improving satisfaction and trust in financial institutions.

The operations by the screen providing method according to the embodiments described above can be implemented at least partially as a computer program and recorded on a computer-readable recording medium. The computer-readable recording medium on which the program for implementing the operations by the screen providing method according to the embodiments is recorded includes all types of recording devices that store data that can be read by a computer. Examples of the computer-readable recording medium include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device, etc. In addition, the computer-readable recording medium can be distributed across network-connected computer systems, so that the computer-readable code can be stored and executed in a distributed manner. In addition, the functional programs, codes, and code segments for implementing the present embodiment can be easily understood by a person skilled in the art to which the present embodiment belongs.

While the present invention has been described above with reference to the embodiments illustrated in the drawings, these are merely exemplary, and those skilled in the art will appreciate that various modifications and variations of the embodiments are possible. However, such modifications should be considered within the technical protection scope of the present invention. Therefore, the true technical protection scope of the present invention should be determined by the technical spirit of the appended claims.

Claims (9)

A step in which the server module selects the item information required for processing work;
A step in which the first communication module receives business information input through a financial institution terminal based on the above item information;
A step in which the server module generates connection information corresponding to the item information and the business information;
A step in which the second communication module transmits the connection information to the user terminal; and
A step in which the server module provides a pre-written screen including the item information and business information to the user terminal;
The step of providing the above-mentioned pre-written screen to the user terminal is:
A step of determining whether the execution mode of the application installed on the user terminal is a general mode or a business processing mode; and
When the execution mode of the application is determined to be the general mode, a step of providing screen configuration data for generating a screen to be displayed on the user terminal to the user terminal, wherein the screen configuration data is provided to the user terminal in a state where the values of one or more preset variables to be displayed on the screen are empty; and
A method for providing a pre-written screen, comprising: a step of transmitting the screen configuration data to the user terminal when the execution mode of the application is determined as the business processing mode; and transmitting a script to the user terminal to be executed by the user terminal to substitute values of one or more variables to be displayed on the screen based on the business information in order to provide a screen with the business information inserted to the user terminal.
In the first paragraph,
The above connection information is a method for providing a pre-written screen, which is a link for an application that is a specific URL for switching the mode of an application already installed on the user terminal from general mode to work processing mode.
In the first paragraph,
The above connection information is a method for providing a pre-written screen, which is a URL corresponding to a web page configured in relation to the above business processing.
delete A computer program stored on a computer-readable recording medium that is combined with hardware and executes a pre-written screen provision method according to any one of claims 1 to 3.
A server module including an item selection unit that selects item information required for business processing, a connection information generation unit that generates connection information corresponding to the item information and business information, and a screen provision unit that provides a pre-written screen including the item information and the business information to a user terminal; and
A first communication module for receiving business information input through a financial institution terminal based on the above item information; including;
The above screen provider,
Determine whether the execution mode of the application installed on the user terminal is normal mode or business processing mode,
When the execution mode of the above application is determined to be the general mode, screen configuration data for generating a screen to be displayed on the user terminal is provided to the user terminal, and the screen configuration data is provided to the user terminal in a state where the values of one or more preset variables to be displayed on the screen are empty.
A pre-written screen provision system further configured to transmit the screen configuration data to the user terminal when the execution mode of the application is determined as the business processing mode, and to transmit a script executed by the user terminal to the user terminal to substitute the values of one or more variables to be displayed on the screen based on the business information in order to provide the screen with the business information inserted to the user terminal.
In paragraph 6,
The above connection information is a pre-written screen provision system, which is a link for an application that is a specific URL for switching the mode of an application already installed on the user terminal from general mode to work processing mode.
In paragraph 6,
The above connection information is a pre-written screen provision system that is a URL corresponding to a web page configured in relation to the above business processing.
delete