KR100822958B1 - Information processing method and program recording medium therefor - Google Patents

Abstract

The present invention relates to an information processing method and system and a program recording medium therefor. The information processing system according to the present invention comprises a call connection request signal (or information) from a terminal receiving a financial product or a financial transaction related email or performing a financial transaction. Information receiving means for receiving the information), information checking means for confirming the call connection request customer information based on the received call connection request signal (or information), and in connection with the customer database, Information extraction means for extracting corresponding customer communication means information and the extracted customer communication means information transmitted to a counseling terminal waiting for a call among the plurality of counselors or the dedicated customer service terminal or the financial product (or financial transaction) professional counselor terminal And information transmitting means.

Financial transactions, currency connection

Description

Information processing method and program recording medium for the same {Method for Processing Information and Program Recording Medium}

1 is a diagram illustrating an agent's telephone connection system corresponding to a counseling request event occurrence of a financial transaction customer according to an embodiment of the present invention.

2A and 2B are diagrams illustrating an information structure for connecting a counselor phone corresponding to a counseling request event occurrence of a financial transaction customer according to an embodiment of the present invention.

3 is a diagram illustrating a process in which a receiving financial transaction customer transmits call request information to a server according to an embodiment of the present invention.

4 is a diagram illustrating a process of transmitting call request information transmitted from a mail receiving financial transaction customer to a call center server 125 server according to an embodiment of the present invention.

5A and 5B illustrate an embodiment of a process for processing call request information of a mail receiving financial transaction customer according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating an agent telephone connection system corresponding to a counseling request event occurrence of a financial transaction customer according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a process in which a financial transaction customer transmits call request information to a server through a financial terminal according to another embodiment of the present invention.

8 is a diagram illustrating a process of transmitting call request information transmitted from a financial transaction customer using a financial terminal according to an embodiment of the present invention to a call center server.

9 is a diagram illustrating a counselor telephone connection system corresponding to a counseling request event occurrence of a financial institution customer according to another exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of transmitting call request information by a financial transaction customer to a server through a financial transaction customer terminal during Internet banking according to another exemplary embodiment of the present invention.

11 is a diagram illustrating a process of transmitting call request information transmitted from a financial transaction customer terminal to a call center server according to an embodiment of the present invention.

<Description of main parts of drawing>

100: information processing server 105: call request unit

110: ledger reading unit 115: mail sending unit

120: interface processing unit 125: call center server

130: agent confirmation unit 135: call request receiving unit

140: financial system

According to the present invention, when receiving a financial product or financial transaction-related e-mail or receiving a call connection request signal (or information) from a terminal in a financial transaction, the agent terminal waiting for a call among a plurality of agents for communication means information of the call connection request customer. Or it relates to a system and method for transmitting to the customer dedicated counselor terminal or the financial product (or financial transaction) specialized counselor terminal.

Conventional customer-tailored services based on customer information, in a strict sense, are merely marketing information using customer information, not customer-customization, and customers want to use their own information rather than receiving customized services. It was only a marketing target of the company).

In other words, the company (or financial institution or company) that holds the customer information, regardless of the customer's intention to generate a predetermined profit from the customer information (or by using a semi-mandatory means of agreement), the customer One-to-one conversion of information according to the marketing strategy of the company (or financial institution or company) to form a predetermined Data Warehouse (DW), and the company (or financial institution or company) from the configured data warehouse Extract at least one customer information corresponding to a marketing target corresponding to the marketing strategy of the customer, and at least one additional service corresponding to the marketing strategy of the company (or a financial institution or a company) based on the extracted customer information It was provided unilaterally in the name of customized service.

An object of the present invention, based on the received call connection request signal (or information) when receiving a financial product or financial transaction-related e-mail or a call connection request signal (or information) from the terminal in the financial transaction, Checking the customer connection request customer information, in connection with the customer database, extracts the customer communication means information corresponding to the confirmed customer information, and the extracted customer communication means information of the counselor terminal or call waiting of a plurality of counselors; The present invention provides an information providing system and method for transmitting a dedicated counselor terminal or a financial product (or financial transaction) specialized counselor terminal.

An information processing method according to the present invention comprises: an information receiving step of receiving a financial product or a financial transaction related email from a predetermined information receiving means or receiving a call connection request signal (or information) from a terminal in a financial transaction; An information checking step of confirming call connection request customer information based on the received call connection request signal (or information) in a predetermined information checking means; An information extraction step of extracting customer communication means information corresponding to the checked customer information in association with a customer database in a predetermined information extraction means; And an information transmission step of transmitting the extracted customer communication means information to a counselor terminal by a predetermined information transmission means.

According to the present invention, before the information transmitting step, characterized in that further comprising the step of identifying a counselor waiting for a call among a plurality of counselors, wherein the information transmitting step, the confirmed call waiting agent terminal to the Characterized in that the extracted customer communication means information.

According to the present invention, the information checking step, based on the received call connection request signal (or information), further confirms the financial products or financial transaction types included in the mail sent to the call connection request customer, Or wherein the call connection request customer terminal further checks a financial transaction type being traded, wherein the information transmission step includes the extracted customer communication means to a specialized counselor terminal corresponding to the identified financial product or financial transaction type. Information and the financial product or financial transaction type information.

According to the invention, the information extraction step, in connection with the customer ledger database, characterized in that further extracting the resident registration number information and / or customer account information corresponding to the customer, wherein the information transmission step, the extracted customer Resident registration number information and / or customer account information characterized in that further transmitting to the counselor terminal.

According to the present invention, the information receiving step is characterized in that further receiving the consultation time information from the terminal, the information transmission step, characterized in that further transmitting the consultation time information to the counselor terminal.

On the other hand, the present invention includes a computer-readable recording medium characterized by recording a program for executing the above-described information processing method.

On the other hand, the information processing system according to the present invention comprises: information receiving means for receiving a financial product or financial transaction-related e-mail or a call connection request signal (or information) from a terminal in financial transaction; Information checking means for confirming the call connection request customer information based on the received call connection request signal (or information); Information extracting means for extracting customer communication means information corresponding to the confirmed customer information in association with a customer database; And information transmission means for transmitting the extracted customer communication means information to a counselor terminal waiting for a call among the plurality of counselors, the dedicated client counselor terminal, or the financial product (or financial transaction) professional counselor terminal. do.

On the other hand, the information processing system according to the present invention, information receiving means for receiving a call connection request signal (or information) from the terminal; Information checking means for confirming the call connection request customer information based on the received call connection request signal (or information); Information extracting means for extracting customer communication means information corresponding to the confirmed customer information in association with a customer database; And information transmission means for transmitting the extracted customer communication means information to a counselor terminal.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention.

If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to properly modify the terms so that those skilled in the art to clearly understand the key technical features of the present invention to clearly understand, thereby the present invention This is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating an agent telephone connection system corresponding to a counseling request event occurrence of a financial transaction customer according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a predetermined user interface (eg, a user interface included in the e-mail content of a financial transaction customer receiving an e-mail including at least one financial product information and / or financial transaction information sent from a financial institution). When a counseling request event is generated by inputting or selecting a counseling request button, a counseling request banner, etc.), the telephone number of the financial transaction customer stored in the ledger DB is referred to by referring to the ledger DB of the financial transaction customer who generated the counseling request event. As an embodiment of a method for a system that checks (e.g., a landline number or a mobile phone number) and allows a call center counselor provided at the financial institution or interworking with the financial institution to make a telephone connection with the financial transaction customer, Persons of ordinary skill in the art to which the present invention pertains refer to FIG. 1 and / or Is modified by chuhal would be able to maintain the various exemplary method for the system, the present invention includes both all exemplary way in which the inference, not limited to the exemplary method shown in the figure 1.

The financial institution is characterized by having a predetermined financial system 140 for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction customer.

Herein, the financial system 140 provided in the financial institution is connected to at least one or more window terminals provided in branches (and / or branch offices) of the financial institution through a predetermined financial network (eg, a branch network). Characterized in that, through the counter terminal provides a financial transaction service of face to face at least one financial transaction customer.

In addition, the financial system 140 is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based) connected to the TCP / IP-based backbone network through the Internet banking server At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 140 may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution; At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch) and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD Network), and provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal.

In addition, the financial system 140 is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server) The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 1, the financial system 140 is provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. An information system comprising: an accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring in at least one branch (or window), an information system for processing a headquarters business, a branch information support, and customer information management; Interconnection between the financial system 140 and at least one other financial system 140 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, home banking, tele banking, TV banking, etc.) Access to the elevated system 140, and / or at least one or more common network by having a FEP, which provides a variety of financial transactions through the interface (e.g., CD cavity networks, financial common network), characterized in that formed.

In addition, the financial system 140 performs an interface module corresponding to a middleware platform that provides inter-component interfacing between the components of the financial system 140, and performs functions of each function in the components of the financial system 140. Predetermined information (e.g., ledger information, and / or management information, and / or Customer Relationship Management (CRM) information acquired by the financial institution in processing a financial transaction to the financial transaction customer); It is characterized in that it comprises a DBMS (Database Management System) configured to include at least one or more databases for storing and managing.

In addition, the financial system 140 is intended by those skilled in the art and / or types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 140 and the purpose of the financial system 140. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 140, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system 140, the financial institution opens at least one financial account to at least one financial transaction customer, at least one financial transaction service based on the financial account It is characterized by comprising a ledger D / B for storing at least one ledger for providing.

Here, the ledger D / B is at least one ledger information (for example, customer ledger, receiving ledger, collateral ledger, etc.) for each financial transaction to be provided to the financial transaction customer by the financial institution, and each ledger information At least one ledger additional information corresponding to (e.g., more specifically and / or supplementing the attributes / functions of each ledger) is stored in association with each other in relation to the ledger. The financial transaction customer telephone number information recorded is referred to, and the telephone connection between the consultation request financial transaction customer and the counselor is performed.

Further, according to another exemplary embodiment of the present invention, the financial transaction customer social security number and the financial transaction customer account number recorded in the ledger D / B may be further referred to in the telephone connection process between the consultation request financial transaction customer and the counselor. Specify that there is.

In addition, the DBMS stores financial product information content for generating at least one financial product information mail and / or financial transaction information content for generating a financial transaction information page.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system 140. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

Referring to FIG. 1, the financial system 140 connects at least one financial product information and financial transaction information to an e-mail account of at least one financial transaction customer in order to connect an agent phone corresponding to a consultation request event occurrence of a financial transaction customer. Mail sending unit 115 for sending an e-mail containing, and the financial transaction customer receiving the e-mail when the consultation request information is transmitted through the user interface included in the e-mail, receiving (or confirming) An interface processing unit 120 and a customer ledger (and / or at least one associated with the customer ledger for a financial transaction customer who has provided the consultation request event among a plurality of financial transaction customers by accessing the ledger D / B). Ledger reading unit 110 for extracting the financial transaction customer information (eg, a telephone number, social security number, account number, etc.) by reading information). A call requesting a telephone connection to the financial transaction customer by transferring the financial transaction customer information extracted from the ledger D / B to the call center server provided in the financial system 140 or interworking with the financial system 140. The predetermined information processing server 100 including the request unit 105 is provided.

In FIG. 1 according to a preferred embodiment of the present invention, the information processing server 100 is illustrated as a predetermined server provided outside the financial system 140, but the present invention is not limited thereto. The server 100 is a predetermined server provided in the financial system 140 for connection to an agent telephone corresponding to the counseling request event occurrence of the financial transaction customer according to the present invention, and / or the financial transaction customer according to the present invention. A predetermined ledger server further comprising an agent telephone connection function corresponding to a counseling request event occurrence (or the counselor telephone connection function corresponding to the counseling request event occurrence of a financial transaction customer according to the present invention). Program recorded on a recording medium) and / or responding to the occurrence of a consultation request event of a financial transaction customer according to the present invention. Is an information system further comprising an agent telephone connection function (or a program recorded in a recording medium provided in the information system to provide an agent telephone connection function corresponding to a counseling request event occurrence of a financial transaction customer according to the present invention). As such, the present invention is not limited thereto.

In addition, the information processing server 100 may be implemented in one server, and / or implemented in one program, or implemented in at least two or more servers for each functional component, and / or at least two or more. It is possible to implement in a program, by which the present invention is not limited.

The mail sending unit 115 of the information processing server 100 may include information on the release of new financial products (eg, new financial product names, new financial product features, etc.), financial transaction related information (eg, changes in financial transaction services, Adds a financial transaction service, etc.) to generate mail information to be sent to the financial transaction customer mail account based on financial product contents and financial transaction related contents in a DBMS, and a predetermined network and / or communication means connected to the financial transaction customer terminal. And transmitting the mail including the generated mail information by the communication protocol defined in FIG.

According to the present invention, the mail sent to the customer mail account through the mail sending unit 115 includes at least one or more information (eg, information on the release of a new financial product) included in the received mail by the financial transaction customer. And a user interface (eg, a consultation request button, a consultation request banner, etc.) for an agent consultation request related to financial transaction related information.

According to the present invention, the user interface configured in the mail includes the financial transaction customer information (eg, a unique code including at least one or more of an email address, ID, telephone number, etc.) and the release of a new financial product included in the mail. Information related to the financial transaction information (or information on the release of the new financial product, predetermined code corresponding to the financial transaction related information), and the information processing server 100 information (for example, a server communication address). And link information for connecting to a consultation request service waiting page or a consultation request service related page. When the financial transaction customer generates a consultation request event through the user interface, the consultation request service waiting or consultation is performed. Go to the page related to the request service, or wait for the consultation request service or related to the consultation request service. At the same time, the information is transmitted to the information processing server 100 (eg, the interface processing unit 120 of the information processing server 100) through a submit control (or a transmission control) using an HTML tag FORM form. Characterized in that.

According to another exemplary embodiment, the user interface configured in the mail may include the financial transaction customer information (eg, a unique code including at least one or more of an email address, ID, telephone number, etc.) and a new financial product included in the mail. Release information, financial transaction related information (or information on the release of the new financial product, predetermined code corresponding to financial transaction related information), and the information processing server 100 information (for example, server communication address, etc.) In this case, when the financial transaction customer generates a consultation request event through the user interface, without a separate link information, through a submit control (or transmission control) using the HTML tag FORM form, The information is transmitted to the information processing server 100 (eg, the interface processing unit 120 of the information processing server 100). All.

According to another exemplary embodiment, the user interface configured in the mail may include the information processing server 100 information (for example, a server communication address) and a predetermined information transmission script. When a financial transaction customer generates a consultation request event through the user interface, the script may be configured to include specific information (eg, information on the release of a new financial product, financial transaction related information, or release of the new financial product) included in the mail. Information related to the financial transaction-related information and the financial transaction customer information (eg, a unique code including at least one or more of an e-mail address, ID, and telephone number). It is characterized in that the transmission to the processing server 100 (for example, the interface processing unit 120 of the information processing server 100).

In addition, according to the present invention, the user interface unit is characterized in that the financial transaction customer that checks the mail to input (or select) predetermined time information (for example, counseling reservation time, etc.), the financial transaction customer The time information input (or selected) is transmitted to the information processing server 100 together with the above-described information (for example, information transmitted to the information processing server 100 through a user interface).

The interface processing unit 120 of the information processing server 100 transmits the consultation request event through the user interface when the financial transaction customer receiving the electronic mail generates a user interface included in the electronic mail. The financial transaction customer information (eg, a unique code including at least one or more of an e-mail address, ID, telephone number, etc.), and / or information on the release of a new financial product included in the mail, financial transaction related information (or Receives (or confirms) information on the release of the new financial product, predetermined code corresponding to financial transaction related information), and / or consultation reservation time information, and the like, and receives the received (or confirmed) information from the ledger reader ( Characterized in that the transmission to 110).

In addition, when the predetermined code corresponding to the information about the release of the new financial product, the financial transaction-related information is transmitted through the user interface, the interface processor 120 accesses the DBMS to the delivered code. Characterized in that the information on the release of the corresponding new financial products, financial transaction related information is characterized.

The ledger reader 110 may include at least one consultation request related information (eg, the financial transaction customer information (eg, an e-mail address, ID, phone number, etc.) transmitted by the interface processor 120 through the user interface). Unique code), and / or information on the release of a new financial product included in the mail, financial transaction related information (or information on the release of the new financial product, predetermined code corresponding to financial transaction related information), And / or consultation reservation time information, etc.), confirming the financial transaction customer information and accessing the ledger D / B to the customer ledger (and / or associated with the customer ledger for the consultation request financial transaction customer). At least one additional information) to extract (or verify) the telephone number of the financial transaction customer.

In addition, the ledger reading unit 110 reads a customer ledger (and / or at least one or more additional information associated with the customer ledger) for the consultation request financial transaction customer, the account information (for example, the financial transaction customer) , Account number, account password, etc.) is further extracted (or confirmed).

In addition, the ledger reader 110 further reads the customer ledger (and / or at least one or more additional information associated with the customer ledger) for the consultation request financial transaction customer, and further extracts the resident registration number of the financial transaction customer. (Or check).

According to the present invention, the customer ledger basically includes customer information and financial transaction related information for the financial transaction customer, and includes a customer information file (CIF) number, a country code, a contact ID, a sales office for the financial transaction customer. No., Customer Classification, Customer Name, Customer Address, Area Classification Code, Phone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Name, Social Security Number, Company Address, Company Phone Number, mailing address, account number, president, type of business, legal representative, initial transaction date, TRW, DB, usage, parent company number, country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian phone number, It includes at least one or more legal representative business number, construction process classification, tax classification, area code, group code and postal code, more detailed description will be described through the following Figure 2 And groups.

When the call request unit 105 of the information processing server 100 extracts (or confirms) the telephone number information of the consultation request financial transaction customer from the ledger D / B through the ledger reading unit 110, Characterized in that the call request by transferring the extracted (or confirmed) the telephone number information of the consultation request financial transaction customer to the call center server 125 (for example, the call request receiving unit 135) connected through a predetermined interface means .

In addition, the call request unit 105, if the financial account information of the consultation request financial transaction customer is further extracted (or confirmed) from the ledger D / B through the ledger reader 110, the extraction (or confirmation) The financial account information of the customer is transferred to the call center server 125, characterized in that for making a call request.

In addition, the call request unit 105 is further extracted (or confirmed) of the resident registration number of the consultation request financial transaction customer from the ledger D / B through the ledger reader 110 through the ledger reader 110 In this case, it is characterized in that the call request is delivered to the call center server 125 of the extracted (or confirmed) resident registration number of the financial transaction customer.

According to the present invention, the call request unit 105 is a specific request information (eg, new) of the consultation request financial transaction customer from the ledger D / B through the interface processing unit 120 or the ledger reading unit 110 When information on the release of financial products, information on financial transactions (or information on the release of new financial products, predetermined codes corresponding to financial transaction-related information), and / or consultation appointment time information, etc. are provided. In addition, the financial transaction customer characterized in that the call request to deliver the specific information requested to the call center server (125).

On the other hand, referring to Figure 1, the financial system 140, the call request receiving unit for receiving a call request information from the information processing server 100 in order to connect to the counselor corresponding to the consultation request event occurrence of the financial transaction customer ( 135) and when the call request information is received through the call request receiving unit 135, a counselor who checks a counselor (or counselor terminal) who is waiting for a telephone consultation and provides the received call request information to the counselor terminal who is waiting for counseling. Characterized in that a predetermined call center server including a confirmation unit 130 is provided.

Preferably, the call center server may be connected to the information processing server 100 through a predetermined interface means. In addition, in FIG. 1, the call center server is a predetermined server provided outside the financial system 140. Although the present invention is not limited thereto, the call center server may be provided in the financial system 140 for connection to an agent telephone corresponding to a counseling request event occurrence of a financial transaction customer according to the present invention. A predetermined ledger server (or corresponding to a counseling request event occurrence of a financial transaction customer according to the present invention), and / or having an agent telephone connection function corresponding to a counseling request event occurrence of a financial transaction customer according to the present invention. Or a program recorded in a recording medium provided in the ledger server to provide a telephone connection function of an agent), And / or an information system further comprising an agent telephone connection function corresponding to the counseling request event occurrence of the financial transaction customer according to the present invention (or an agent telephone connection function corresponding to the counseling request event occurrence of the financial transaction customer according to the present invention). To be recorded on the recording medium provided in the information system), by which the present invention is not limited.

In addition, the call center server may be implemented as one server and / or implemented by one program, or implemented by at least two or more servers for each functional component, and / or by at least two or more programs. It is possible to implement, and the invention is not limited thereby.

The call request receiving unit 135 of the call center server receives predetermined call request information from the information processing server 100, wherein the call request information is extracted (or confirmed) from the ledger D / B. Characterized in that the phone number information of the requesting financial transaction customer.

According to an embodiment of the present invention, the call request information may include specific information requested for consultation of the financial transaction customer (for example, information on the release of a new financial product delivered to the financial transaction customer through the mail, financial transaction). And related information (or information on the release of the new financial product, a predetermined code corresponding to the financial transaction related information), and / or consultation reservation time information, etc.).

In addition, the call request information, characterized in that it further comprises the financial account information and / or resident registration number of the consultation request financial transaction customer extracted (or confirmed) from the ledger D / B.

When the financial account information of the consultation request financial transaction customer is further extracted (or confirmed) from the ledger D / B through the ledger reader 110, the financial account information of the extracted financial transaction customer is extracted. The call center server 125 is characterized in that for making a call request.

In addition, the call request unit 105 is further extracted (or confirmed) of the resident registration number of the consultation request financial transaction customer from the ledger D / B through the ledger reader 110 through the ledger reader 110 In this case, the extracted (or confirmed) the social security number of the customer is delivered to the call center server 125, characterized in that for making a call request

The counselor checker 130 is connected to at least one counselor terminal connected to the call center server to periodically check whether the corresponding agent is busy or waiting for the call. Preferably, the call request receiver 135 When call request information corresponding to the financial transaction customer is received, the counselor terminal waiting for the call is checked, and the call request information is provided to the confirmed counselor terminal.

For example, the call center counselor receives the call request information of the financial transaction customer from the call center server to a predetermined terminal in a call waiting state, and attempts to connect to the telephone number of the financial transaction customer included in the call request information. Done.

In addition, the call center counselor, information on the release of a new financial product (or selected by the financial transaction customer) delivered to the financial transaction customer included in the call request information, financial transaction-related information (or of the new financial product By confirming the release information and the predetermined code corresponding to the financial transaction related information), it is possible to recognize what consultation the customer of the consultation request wants before the call with the customer.

In addition, the call center counselor, if the call request information includes the financial account information and / or social security number of the consultation request financial transaction customer extracted (or confirmed) from the ledger D / B, financial account use history inquiry, Since it is possible to perform a service such as deposit history inquiry, transfer, etc., the customer may be provided with the service without calling or inputting financial account information or social security number.

According to the method of the present invention, the counselor confirmation unit 130, when the call request information received through the call request receiving unit 135 includes the consultation reservation time information, the current time and the consultation reservation time In comparison, the remaining time until the consultation reservation time is counted, and when the consultation reservation time requested by the customer arrives, the call request information of the customer is provided to the counselor terminal waiting for the call.

In addition, according to the implementation method of the present invention, the counselor confirmation unit 130, information about the release of a new financial product delivered to the financial transaction customer (or selected by the financial transaction customer) in the consultation request information, financial If the transaction-related information (or information on the release of the new financial product, predetermined code corresponding to the financial transaction-related information) is included, the counselor corresponding to the information on the release of the new financial product, financial transaction-related information (Eg, a professional or a responsible counselor), and provides consultation request information of the customer to the confirmed counselor terminal.

In this case, since the professional or responsible counselor for the specific information desired by the financial transaction customer who requested the consultation makes a telephone connection to the customer, the customer may receive a higher quality consultation service.

In addition, according to an embodiment of the present invention, the call center server shown in Figure 1 receives the call request information transmitted from the information processing server 100, according to the received call request information counselor waiting for consultation ( Or at least one counselor terminal) to provide the received call request information to the counseling terminal waiting to be consulted, at least one agent terminal information to provide the received call request information, and a telephone connection with a consultation request customer. And a database for storing call history information generated after connection, and / or at least one agent terminal information through a predetermined network and / or interface means, and call history information generated after a telephone connection with a customer requesting a consultation. It is preferable to link with a storage medium (or storage medium operating means) that stores and manages in conjunction with.

2A and 2B are diagrams illustrating an information structure for connecting a counselor phone corresponding to a counseling request event occurrence of a financial transaction customer according to an embodiment of the present invention.

In more detail, FIGS. 2A and 2B include (or / or linkage) agent telephone connection service information corresponding to an occurrence of a counseling request event of a financial transaction customer performed through the information providing system shown in FIG. And a method of constructing information to be stored and / or stored in predetermined customer registration information D / B associated with the customer ledger.

More specifically, Figure 2a is an implementation method in which the agent telephone connection service information corresponding to the consultation request event occurrence of the financial transaction customer is processed in association with the customer ledger and stored, Figure 2b is the consultation of the financial transaction customer The present invention relates to an implementation method in which counselor telephone connection service information corresponding to a request event occurrence is stored in predetermined service information D / B associated with the customer ledger.

Those skilled in the art to which the present invention pertains, various implementations of storing the agent telephone connection service information corresponding to the occurrence of the consultation request event of the financial transaction customer by referring to and / or modifying the drawings 2a and 2b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 2A and 2B.

Referring to Figure 2a, the customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, region classification code, telephone number, business number, trade name, classification code , Expiration date, status headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, Parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, referring to Figure 2a, the customer ledger account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bankbook Number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate accounting, flat consolidation, final payment interest, final payment transaction number, It is associated with a predetermined receiving ledger (or account ledger) that includes at least one or more individual interest rate references and a final interest calculation date.

 In addition, the reception ledger (or ledger) may include periodic receipt information including at least one or more of an account number, abstention (months), period (days), period extension, expiration date and target amount, and / or account number corresponding to the account ledger, Trust receipt information, including at least one or more of the amount of trust, par value, pension date and number of shares, and / or account number, transaction number, date, branch number, product type, transaction type, cash amount, or other ticket , Batch number (Batch No.), complex transaction, date of payment, bank account line, brief, CIF, etc., transactional information including at least one or more processes are processed in a relational manner, the person having ordinary knowledge in the technical field to which the present invention belongs Ramen, the ledger that is processed in relation to the customer ledger is in addition to the receiving ledger (or account ledger) other ledgers of various forms (eg, loan ledger, mortgage ledger, securities ledger, remittance ledger) , Ledgers, customer asset ledgers, ..., etc.), and will be clearly aware of at least one or more additional information associated with each ledger, so a detailed description thereof is omitted for convenience. do.

In addition, referring to Figure 2a, the customer ledger is financial information, including at least one or more CIF number, year, B / S amount, P / L amount, manufacturing cost amount, financial ratio, and / or CIF number, period, loan Analysis of profitability, including at least one or more of the balance, fund contribution rate, credit code, credit balance, credit interest, and / or CIF number, year, cash inflows, cash revenue, cash flows, cash flows, cash flows Additional information, such as cash flow information, including at least one or more amounts is processed. If the person having ordinary knowledge in the technical field to which the present invention belongs, the additional information processed in connection with the customer ledger is the financial information, profitability analysis. In addition to the information and cash flow information, other types of additional information (e.g., contact information for the financial transaction customer, branch information, country code information, area code information, group) Code information, postal code information, limit information per customer information file (CIF), financial institution transaction status information, major shareholder information, follow-up management information, temporary checking base information, etc.) Detailed description thereof will be omitted for convenience.

In FIG. 2A according to a preferred embodiment of the present invention, service information for providing the service to a financial transaction customer who corresponds to the customer ledger and wants to receive an agent call connection service by generating a counseling request event may include: The service information may be stored in the form of additional information associated with the customer ledger. The service information may include a CIF number for cooperatively processing the service information with the customer ledger and a call corresponding to a telephone connection request generated from the financial transaction customer. It is preferable that the request information and / or the financial transaction customer includes at least one or more details of a call with a predetermined counselor after request for consultation.

Referring to FIG. 2B, service information including call request information corresponding to a telephone connection request generated from the financial transaction customer and / or a history of the financial transaction customer calling with a predetermined counselor after consulting request is provided. The service information stored in the customer information D / B is linked to the customer ledger stored in the ledger D / B in relation to the customer ledger D / B by being associated with the CIF number corresponding to It is done.

The call request information included in the service information is associated with the customer ledger (and / or at least one or more additional information associated with the customer ledger, and / or at least one or more ledger information associated with the customer ledger, the ledger information. Among the at least one or more information corresponding to the at least one additional information), it is characterized in that it comprises information required to perform the telephone connection service of the customer of the consultation request according to the present invention.

For example, the call request information may include telephone number information of the consultation request financial transaction customer, and / or specific information requested for consultation of the consultation request financial transaction customer (for example, new information transmitted to the financial transaction customer through the mail). Information on the release of a financial product, financial transaction related information (or information on the release of the new financial product, a predetermined code corresponding to the financial transaction related information) and / or consultation appointment time information, etc., and / Alternatively, the consultation request may be configured to include financial account information and / or social security number of the customer.

3 is a diagram illustrating a process in which a receiving financial transaction customer transmits call request information to a server according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates information about the new financial product (or service) through the information providing system shown in FIG. 1 when a new financial product (or service) to be provided to at least one financial transaction customer is released. An implementation method for a process of sending an e-mail including the mail to the financial transaction customer account, and transmitting the call request information to the information processing server 100 for the telephone consultation request according to the present invention. It is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing to infer various implementation methods for the call request information transmission process, but the present invention may infer the implementation It includes all the methods, and is not limited to the embodiment shown in FIG.

According to FIG. 3, in the illustrated call request information transmission process, a predetermined new financial product (or service) is released (or scheduled to be released) 300, and the new financial product (or service) content information is transmitted to FIG. 1. It may be started from the process stored in the DBMS shown (305).

According to an embodiment of the present invention, when it is determined that mail transmission including information related to the new financial product (or service) is provided (310) for the purpose of promoting or providing information on the new financial product (or service), the information processing is performed. The server 100 creates a mail containing the new financial product (or service) content (315).

The information processing server 100 includes a user interface for requesting a telephone connection consultation for the new financial product (or service) according to the present invention in the created mail (320).

For example, the user interface included in the mail may be configured in the form of a consultation request button, a consultation request banner, or the like, which can be selected or clicked by the customer of the mail confirmation financial transaction.

According to an embodiment of the present invention, the user interface includes the financial transaction customer information (eg, a unique code including at least one or more of an e-mail address, ID, phone number, etc.) and a new financial product included in the mail. Related information, financial transaction related information (or information on the release of the new financial product, predetermined code corresponding to financial transaction related information), the information processing server 100 information (eg, server communication address, etc.), It may be configured to include link information to be connected to the consultation request service waiting or consultation request service related page.

According to another exemplary embodiment, the user interface may include the financial transaction customer information (eg, a unique code including at least one of an e-mail address, an ID, a phone number, etc.) and a release of a new financial product included in the e-mail. Information, financial transaction-related information (or information on the release of the new financial product, predetermined code corresponding to financial transaction-related information), and the information processing server 100 information (eg, server communication address, etc.) Can be configured.

According to another exemplary embodiment, the user interface may include the information processing server 100 information (eg, a server communication address) and a predetermined information transmission script.

Meanwhile, the information processing server 100 extracts (or confirms) at least one financial transaction customer mail account to which the mail is to be transmitted (325) by referring to the DBMS or customer information D / B, and extracts (or confirms) In step 330, the mail including the new financial product (or service) information is sent to at least one financial transaction customer mail account.

In this case, the mail transmission may be performed through the mail sending unit 115 provided in the information processing server 100, or may be performed through a predetermined mail sending agent server for mail sending.

According to the present invention, the financial transaction customer receives the e-mail sent from the information processing server 100, checks the new financial product (or service) related information included in the mail, and confirmed the new financial product (or Service) If the user wants to hear a detailed description of the related information, the financial transaction customer requests a consultation through a user interface included in the mail (335).

The consultation request may be executed by the mail confirmation financial transaction customer selecting (or clicking) the “button” or “banner” when the user interface has a predetermined “button” or “banner” form. have.

In addition, when the user interface has a predetermined input field (eg, consultation reservation time input field, etc.), the financial transaction customer may input predetermined information (eg, consultation reservation time, etc.) through the input field. have.

According to the present invention, the financial transaction customer information (eg, a unique code including at least one or more of an email address, ID, telephone number, etc.) included in the user interface, and information on the release of a new financial product included in the mail. , Financial transaction related information (or information on the release of the new financial product, predetermined code corresponding to financial transaction related information), and information obtained by executing a predetermined script included in the user interface (eg, included in an e-mail). New financial product (or service) information, mail recipient account information, etc.) and information selected or inputted by the financial transaction customer through the user interface (for example, consultation appointment time or consultation request specification, etc.) The call connection request information is collectively described as request information, and the call connection request information is defined through the user interface included in the mail. It is transferred to the processing server 100, 340.

4 is a diagram illustrating a process of transmitting call request information transmitted from a mail receiving financial transaction customer to the call center server 125 according to an embodiment of the present invention.

In more detail, Figure 4 shows that the mail containing the new financial product (or service) -related information is sent to the financial transaction customer mail account through the process of Figure 3, the financial transaction customer confirming the mail to the present invention When the call connection request information is transmitted to the information processing server 100 for the telephone consultation request, the financial transaction customer telephone number is obtained from the ledger information by using the received call connection request information at the information processing server 100. Extracting and transmitting the extracted phone number and call connection request information of the financial transaction customer to a call center server, a method for performing a telephone connection between the call center agent and the financial transaction customer is performed. will be.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 4 to implement various methods of receiving the call connection request information and a telephone connection process between the call center agent and the financial transaction customer. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to Figure 4, the reception of the call request information shown and the call center agent and the telephone connection process between the financial transaction customer, the information processing server 100 sent to the financial transaction customer through the process of Figure 3 In operation 400, the call connection request information may be received through the user interface included in the mail.

Then, the information processing server 100 confirms the financial transaction customer information included in the call connection request information, wherein the call connection request information is, as described above, financial transaction customer information (eg, an email address, an ID). , A unique code including at least one telephone number, etc.), information on the release of a new financial product included in the mail, financial transaction related information (or information on the release of the new financial product, financial transaction related information). Corresponding predetermined code), information obtained by executing a predetermined script included in the user interface (for example, new financial product (or service) information included in the mail, mail recipient account information, etc.), and the user interface. Information selected or input through the financial transaction customer (for example, consultation reservation time or consultation request specific matters). Preferably, the information processing server 100 checks the financial transaction customer information (eg, a unique code including at least one or more of an e-mail address, ID, telephone number, etc.) among the call connection request information (405). ).

Then, the information processing server 100 accesses the ledger information shown in FIG. 2 and extracts (or confirms) a phone number (eg, a landline phone or a mobile phone number) corresponding to the confirmed financial transaction customer information. (410).

When the phone number of the financial transaction customer is confirmed, the information processing server 100 connects the extracted (or confirmed) phone number and the call connection request information of the financial transaction customer through a predetermined interface means 125. (415).

According to an embodiment of the present invention, since the call connection request information of the financial transaction customer may include a wide variety of information, an embodiment thereof will be described in more detail with reference to FIGS. 5A and 5B below. Let's do it.

The call center server 125 periodically monitors at least one counselor terminal connected to the call center server 125 to check whether the counselors call or not, and then calls the financial transaction customer from the information processing server 100. When the connection request information and the phone number are received, the callable counselor terminal is checked among the at least one counselor terminal (420), and the call connection request information and the phone number are transmitted to the identified counselor terminal (425).

Then, the call center counselor terminal outputs the call connection request information and the phone number of the financial transaction customer transmitted from the call center server 125 (430), and the call center agent calls the call connection request information and the phone of the financial transaction customer By referring to the number, a telephone connection is attempted to the financial transaction customer, and consultation is initiated at the request of the financial transaction customer (435).

5A and 5B illustrate an embodiment of a call request information processing process of a mail receiving financial transaction customer according to an embodiment of the present invention.

In more detail, Figures 5a and 5b receives the call connection request information through the user interface included in the mail sent to the financial transaction customer from the information processing server 100 through the process of Figure 4, the call connection The financial transaction customer information included in the request information is checked to extract (or verify) a telephone number (eg, a landline or mobile phone number) corresponding to the confirmed financial transaction customer information from the ledger information shown in FIG. In the process of transmitting the extracted (or confirmed) phone number and the call connection request information of the financial transaction customer to the call center server 125 connected through a predetermined interface means, the call connection request information is transmitted. The telephone connection with the financial transaction customer is performed based on the specific information (e.g., the time of consultation appointment or the specific financial product (or service)). A diagram illustrating one embodiment.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b to infer various implementation methods for a telephone connection process with a financial transaction customer based on the call connection request information. Although the present invention may be implemented, the present invention includes all the inferred implementation methods, and is not limited to the implementation methods illustrated in FIGS. 5A and 5B.

5A illustrates an embodiment in which a telephone connection with the financial transaction customer is performed at the consultation request time when the call connection request information of the financial transaction customer includes specific time information that the financial transaction customer wants to consult. One drawing.

Referring to Figure 5a, the illustrated embodiment, the call center server 125 receives the financial transaction customer phone number and call connection request information from the information processing server 100 through the process (400 ~ 415 of Figure 4) It can be started from the process (500a).

When the financial transaction customer phone number and the call connection request information are received from the information processing server 100, the call center server 125 transmits the financial transaction customer to the call connection request information received from the information processing server 100. In operation 505a, it is checked whether consultation request time information is included.

If it is confirmed that the call connection request information includes the consultation reservation time information of the financial transaction customer (510a), the call center server 125 compares the consultation reservation time requested by the non-trade customer with the current time. The remaining time until the counseling reservation time requested by the financial transaction customer is counted (515a).

When the counting is completed and the consultation request time requested by the financial transaction customer is reached (520a), the call center server 125 checks a callable counselor terminal among at least one counselor terminal connected to the call center server 125 and In step 525a, the call connection request information and the phone number of the financial transaction customer are transmitted to the confirmed counselor terminal (530a).

Then, the call center agent terminal outputs the call connection request information and telephone number of the financial transaction customer transmitted (535a), and the call center agent refers to the financial transaction customer call connection request information and phone number for the financial transaction. Attempt a telephone connection to the customer, and initiates a consultation according to the request of the financial transaction customer (540a).

5B illustrates a case in which the call connection request information of the financial transaction customer includes specific financial product (or service) information (or a predetermined code corresponding to a specific financial product (or service)) that the financial transaction customer wants to consult. FIG. 1 is a diagram illustrating an embodiment in which a telephone agent is connected to a professional counselor for the specific financial product (or service) and the financial transaction customer.

Referring to Figure 5b, the illustrated embodiment, the call center server 125 receives the financial transaction customer phone number and call connection request information from the information processing server 100 through the process (400 ~ 415 of Figure 4) It can be started from the process (500b).

When the financial transaction customer phone number and the call connection request information are received from the information processing server 100, the call center server 125 transmits the financial transaction customer to the call connection request information received from the information processing server 100. Check whether the specific financial product (or service) information to be consulted is included (505b).

If the call connection request information includes specific financial product (or service) information that the financial transaction customer wants to consult with, the call center server 125 checks a professional counselor for the included specific financial product (or service). 510b.

Then, the call center server 125 transmits the call connection request information and the telephone number of the financial transaction customer to the expert counselor terminal for the identified specific financial product (or service) (515b).

Subsequently, the expert counselor terminal outputs the transmitted call connection request information and the telephone number of the financial transaction customer (520b), and the financial product (or service) expert counselor calls the call transaction request information and the telephone number of the financial transaction customer. Attempt a telephone connection to the financial transaction customer with reference to, and initiates consultation according to the request of the financial transaction customer (525b).

6 is a diagram illustrating an agent's telephone connection system corresponding to a counseling request event occurrence of a financial transaction customer according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates a predetermined user interface (eg, provided by a financial transaction customer through the financial terminal) in a financial terminal-based non-face-to-face financial transaction process such as CD / ATM through the financial system 140. When a counseling request event is generated by inputting or selecting a counseling request button, a counseling request banner, etc.), the telephone number of the financial transaction customer stored in the ledger DB is referred to by referring to the ledger DB of the financial transaction customer who generated the counseling request event. As an embodiment of a method for a system that checks (e.g., a landline number or a mobile phone number) and allows a call center counselor provided at the financial institution or interworking with the financial institution to make a telephone connection with the financial transaction customer, Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 6 Would be able to infer a variety of exemplary methods for the exchanger system, the present invention includes both all exemplary way in which the inference, not limited to the exemplary method shown in the figure 6.

The financial system 140 for providing a financial terminal-based non-face-to-face financial transaction opens at least one financial account to at least one financial transaction customer, and provides at least one financial transaction service based on the financial account. It is a computerized system provided to financial institutions in order to provide accounting for processing of credit services such as credits or receptions or trusts or foreign exchanges occurring in at least one branch (or counter), processing of headquarters operations, branch information support, and customer information. At least one non-information provided in the information system that processes management, the interconnection between the financial system 140 and at least one other financial system 140 (and / or payment system), and / or at least one external communication network. Face-to-face financial transactions (e.g., internet banking, wireless banking, IC chip-based wireless banking, home banking, Access to the financial system 140 from a level banking, TV banking, etc.) and / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). Characterized in that made.

In addition, the financial system 140 performs an interface module corresponding to a middleware platform that provides inter-component interfacing between the components of the financial system 140, and performs functions of each function in the components of the financial system 140. Store certain information required for such purposes as, for example, ledger information, and / or management information, and / or customer relationship management (CRM) information obtained by the financial institution in processing financial transactions for the financial transaction customers; Characterized in that it comprises a DBMS comprising at least one database to manage.

In addition, the financial system 140 may provide at least one or more branches (and / or branches) and / or public through a predetermined financial network (eg, CD common network) to provide financial transactions based on the financial terminal. Characterized in that it is connected to the financial terminal including a CD / ATM provided in the place, characterized in that for performing at least one ledger-based financial transaction procedure for the financial terminal.

Referring to FIG. 6, the financial system 140 connects an agent corresponding to an occurrence of a counseling request event of a financial transaction customer to provide at least one sales office (and at least one branch office) to provide a non-face-to-face financial transaction with the financial transaction customer. And / or a financial terminal including a CD / ATM provided in a public place, and / or an interface providing unit for providing a user interface including at least one financial product information and financial transaction information, and through the financial terminal. When a financial transaction customer performing a predetermined financial transaction transmits consultation request information through the user interface, the interface processing unit 120 receives and / or confirms the request, and the plurality of financial transaction customers access the ledger D / B. At least one subsidiary of the customer ledger (and / or associated with the customer ledger) for the financial transaction customer who provided the consultation request event. Provisional information) by reading the ledger reading unit 110 for extracting the financial transaction customer information (for example, phone number, social security number, account number, etc.) and the financial transaction customer information extracted from the ledger D / B Predetermined information processing server 100 provided in the system 140, including a call request unit 105 for transmitting to the call center server interworking with the financial system 140 to request a telephone connection to the financial transaction customer Is provided.

In FIG. 6 according to a preferred embodiment of the present invention, the information processing server 100 is illustrated as a predetermined server provided outside the financial system 140. However, the present invention is not limited thereto. The server 100 is a predetermined server provided in the financial system 140 for connection to an agent telephone corresponding to the counseling request event occurrence of the financial transaction customer according to the present invention, and / or the financial transaction customer according to the present invention. A predetermined ledger server further comprising an agent telephone connection function corresponding to a counseling request event occurrence (or the counselor telephone connection function corresponding to the counseling request event occurrence of a financial transaction customer according to the present invention). Program recorded on a recording medium) and / or in response to the occurrence of a consultation request event of a financial transaction customer according to the present invention. An information system (or a program recorded in a recording medium provided in the information system to provide an agent telephone connection function corresponding to the occurrence of a consultation request event of a financial transaction customer according to the present invention) having an agent telephone connection function to As such, the present invention is not limited thereto.

In addition, the information processing server 100 may be implemented in one server, and / or implemented in one program, or implemented in at least two or more servers for each functional component, and / or at least two or more. It is possible to implement in a program, by which the present invention is not limited.

Referring to FIG. 6, the illustrated financial terminal is provided at a branch (and / or branch) of a financial institution corresponding to the financial system 140, and / or includes a CD / ATM provided at a public place. The device is characterized in that the communication system and the financial system 140 is connected through a predetermined financial network (for example, CD common network).

In addition, the financial transaction process through the financial terminal, at least one financial transaction customer is a predetermined financial means to the card reader of the financial terminal, such as CD / ATM provided in the branch (and / or branch) and / or public places Passbook with magnetic stripe (MS) storing information, and / or MS card (e.g., cash card, debit card, etc.) with predetermined financial instrument information, and / or IC with predetermined financial instrument information ( Integrated Circuit) When a card (eg, cash card, debit card, electronic bank account) is inserted and at least one financial transaction information is input (or selected) through the financial transaction interface screen provided by the financial terminal, the financial terminal The predetermined text including the financial instrument information and the financial transaction information is generated and transmitted to the financial system 140 through the financial network.

Thereafter, the financial system 140 processes the financial transaction corresponding to the financial transaction information through the financial means through the ledger of the financial transaction customer based on the financial means information and the financial transaction information, and then the financial transaction result. Is transmitted to the financial terminal through the financial network.

Thereafter, the financial terminal completes the financial transaction requested by the financial transaction customer by outputting the financial transaction result (eg, screen output and / or print output).

Those skilled in the art will be familiar with the detailed procedures for at least one financial transaction process using the financial terminal for each financial institution, and thus the detailed description thereof will be omitted for convenience. .

According to an embodiment of the present invention, the interface providing unit of the information processing server 100 at least one financial transaction interface output through the financial terminal in the course of the financial transaction customer performs a predetermined financial transaction through the financial terminal Information on the launch of a new financial product (or service) through a screen or through a separate interface screen (e.g., a new financial product (or service) name, a new financial product (or service) feature, etc.), financial transaction And providing related information (eg, changing a financial transaction service, adding a financial transaction service, etc.).

In particular, the interface providing unit, a user interface (eg, a counseling request) for a counselor counseling request regarding information on the release of the provided new financial product (or service) during the financial transaction process by the financial transaction customer using the financial terminal. Button, consultation request banner, etc.).

According to the present invention, the user interface is a process of performing a predetermined financial transaction by the financial transaction customer through the financial terminal, in particular, a predetermined authentication procedure (for example, password checking after inserting a card or account) for the financial transaction customer. After the second) is performed, it may be provided to the financial terminal.

In addition, the interface providing unit for information on the release of a new financial product, financial transaction related information (or information on the release of the new financial product, a predetermined code corresponding to the financial transaction related information) provided to the financial terminal. And when the financial transaction customer generates a consultation request event through the user interface, outputs the consultation request service waiting or consultation request service related screen on the financial terminal, and selects the financial transaction customer information and the financial transaction customer. The financial product (or service) or financial transaction-related information is characterized in that for transmitting to the information processing server 100 (for example, the interface processing unit 120 of the information processing server 100).

According to another exemplary embodiment, the user interface provided to the financial terminal through the interface providing unit may include the financial transaction customer information (eg, a unique code including at least one of an ID, a telephone number, a financial transaction number, and the like), and the financial unit. Information on the release of a new financial product provided in a single word, financial transaction related information (or information on the release of the new financial product, predetermined code corresponding to financial transaction related information), and the information processing server 100 information ( For example, a server communication address, etc.), and in this case, when a financial transaction customer performing a predetermined financial transaction through the financial terminal generates a consultation request event through the user interface, the information is provided to the information. It may be transmitted to the processing server 100 (eg, the interface processing unit 120 of the information processing server 100).

According to another exemplary embodiment, the user interface provided through the interface providing unit may include specific information (eg, a new financial product) output on the financial terminal when the financial transaction customer generates a consultation request event through the user interface. At least one of information related to the launch of a financial information, financial transaction related information or the release of the new financial product, a predetermined code corresponding to financial transaction related information, and the financial transaction customer information (eg, ID, financial transaction number, etc.). It is characterized in that for transmitting the identified information to the information processing server 100 (for example, the interface processing unit 120 of the information processing server 100) by checking the unique code included above.

In addition, according to the present invention, the user interface is predetermined information provided through the financial terminal (for example, information on the release of new financial products, financial transaction related information or information on the release of the new financial products, financial transaction related Information, etc.), the financial transaction customer can input (or select) predetermined time information (e.g., consultation appointment time, etc.) when requesting consultation regarding the information, and the financial transaction customer input (or select) ) Time information is transmitted to the information processing server 100 together with the aforementioned information (for example, information transmitted to the information processing server 100 through a user interface).

The interface processor 120 of the information processing server 100 generates a counseling request event through a user interface provided through the interface provider when a financial transaction customer performing a predetermined financial transaction is performed through the financial terminal. The financial transaction customer information transmitted through a user interface (eg, a unique code including at least one or more of an ID, a financial transaction number, etc.), and / or information on the release of a new financial product provided to the financial terminal, and related to financial transactions. Receives (or confirms) information (or information on the release of the new financial product, predetermined code corresponding to financial transaction related information), and / or consultation reservation time information, etc. It is characterized in that the transfer to the reading unit (110).

In addition, when the predetermined code corresponding to the information about the release of the new financial product, the financial transaction-related information is transmitted through the user interface, the interface processor 120 accesses the DBMS to the delivered code. Characterized in that the information on the release of the corresponding new financial products, financial transaction related information is characterized.

The ledger reading unit 110 may include a consultation request related information (eg, the financial transaction customer information (eg, ID, financial transaction number, etc.) transmitted by the interface processor 120 through the user interface. Code), and / or information about the release of a new financial product provided to the financial terminal, financial transaction related information (or information about the release of the new financial product, predetermined code corresponding to financial transaction related information), and / Or confirming reservation time information, etc.), confirming the financial transaction customer information and accessing the ledger D / B to at least one of the customer ledgers (and / or associated with the customer ledgers) for the counseling request financial transaction customers. And the phone number of the financial transaction customer is extracted (or confirmed) by reading the above additional information.

In addition, the ledger reading unit 110 reads a customer ledger (and / or at least one or more additional information associated with the customer ledger) for the consultation request financial transaction customer, the account information (for example, the financial transaction customer) , Account number, account password, etc.) is further extracted (or confirmed).

In addition, the ledger reader 110 further reads the customer ledger (and / or at least one or more additional information associated with the customer ledger) for the consultation request financial transaction customer, and further extracts the resident registration number of the financial transaction customer. (Or check).

According to the present invention, as shown in FIG. 2, the customer ledger basically includes customer information and financial transaction related information for the financial transaction customer, and a customer information file (CIF) for the financial transaction customer. No., Country Code, Contact ID, Sales Office Number, Customer Classification, Customer Name, Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Name, Resident Registration Number, Company Address, Company Phone Number, Mailing Place, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number, Country, Transfer, Gender Resident, Occupation, Mailing Address, Company Name, guardian's name, guardian's telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. are included.

When the call request unit 105 of the information processing server 100 extracts (or confirms) the telephone number information of the consultation request financial transaction customer from the ledger D / B through the ledger reading unit 110, Characterized in that the call request by transferring the extracted (or confirmed) the telephone number information of the consultation request financial transaction customer to the call center server 125 (for example, the call request receiving unit 135) connected through a predetermined interface means .

In addition, when the call request unit 105 is further extracted (or confirmed) the financial account information of the consultation request financial transaction customer from the ledger D / B through the ledger reader 110, the extraction (or The financial account information of the confirmed financial transaction customer is delivered to the call center server 125, and a call request is made.

In addition, the call request unit 105 is further extracted (or confirmed) of the resident registration number of the consultation request financial transaction customer from the ledger D / B through the ledger reader 110 through the ledger reader 110 In this case, it is characterized in that the call request is delivered to the call center server 125 of the extracted (or confirmed) resident registration number of the financial transaction customer.

According to the present invention, the call request unit 105 is a specific information (for example, a new request for consultation of the consultation request financial transaction customer from the ledger D / B through the interface processing unit 120 or the ledger reading unit 110) When information on the release of a financial product, financial transaction related information (or information on the release of the new financial product, a predetermined code corresponding to the financial transaction related information), and / or consultation appointment time information, etc. are provided, Characterized in that the financial transaction customer consultation request is delivered to the call center server 125, characterized in that for making a call request.

Meanwhile, referring to FIG. 6, interworking with the financial system 140 and the information processing server 100 to connect an agent phone corresponding to a counseling request event occurrence of a financial transaction customer performing a predetermined financial transaction through a financial terminal. When the call center server 125 receives the call request information through the call request receiving unit 135 and the call request receiving unit 135 that receives the call request information from the information processing server 100, the call waiting for consultation It is characterized in that it comprises a counselor confirmation unit 130 to identify a counselor (or counselor terminal), and to provide the received call request information to the counselor terminal waiting to consult.

Preferably, the call center server may be connected to the information processing server 100 through a predetermined interface means, and in FIG. 6, the call center server is a predetermined server provided outside the financial system 140. Although the present invention is not limited thereto, the call center server may be provided in the financial system 140 for connection to an agent telephone corresponding to a counseling request event occurrence of a financial transaction customer according to the present invention. A predetermined ledger server (or corresponding to a counseling request event occurrence of a financial transaction customer according to the present invention), and / or having an agent telephone connection function corresponding to a counseling request event occurrence of a financial transaction customer according to the present invention. A program recorded in a recording medium provided in the ledger server to provide an agent telephone connection function); And / or an information system further comprising an agent telephone connection function corresponding to the counseling request event occurrence of the financial transaction customer according to the present invention (or an agent telephone connection function corresponding to the counseling request event occurrence of the financial transaction customer according to the present invention). To be recorded on the recording medium provided in the information system), by which the present invention is not limited.

In addition, the call center server may be implemented as one server and / or implemented by one program, or implemented by at least two or more servers for each functional component, and / or at least two or more programs. It is possible to be implemented as, by which the present invention is not limited.

The call request receiving unit 135 of the call center server receives predetermined call request information from the information processing server 100, wherein the call request information is extracted (or confirmed) from the ledger D / B. Characterized in that the phone number information of the requesting financial transaction customer.

According to the implementation method of the present invention, the call request information, the specific information requested for consultation of the consultation financial transaction customer (for example, information on the release of new financial products delivered to the financial transaction customer through the financial terminal, finance And transaction related information (or information on the release of the new financial product, a predetermined code corresponding to the financial transaction related information), and / or consultation reservation time information, etc.).

In addition, the call request information, characterized in that it further comprises the financial account information and / or resident registration number of the consultation request financial transaction customer extracted (or confirmed) from the ledger D / B.

When the financial account information of the consultation request financial transaction customer is further extracted (or confirmed) from the ledger D / B through the ledger reader 110, the financial account information of the extracted financial transaction customer is extracted. The call center server 125 is characterized in that for making a call request.

In addition, the call request unit 105 is further extracted (or confirmed) of the resident registration number of the consultation request financial transaction customer from the ledger D / B through the ledger reader 110 through the ledger reader 110 In this case, the extracted (or confirmed) the social security number of the customer is delivered to the call center server 125, characterized in that for making a call request

The counselor checker 130 is connected to at least one counselor terminal connected to the call center server to periodically check whether the corresponding agent is busy or waiting for the call. Preferably, the call request receiver 135 When call request information corresponding to the financial transaction customer is received, the counselor terminal waiting for the call is checked, and the call request information is provided to the confirmed counselor terminal.

For example, the call center counselor receives the call request information of the financial transaction customer from the call center server to a predetermined terminal in a call waiting state, and attempts to connect to the telephone number of the financial transaction customer included in the call request information. Done.

In addition, the call center counselor, information on the release of a new financial product (or selected by the financial transaction customer) delivered to the financial transaction customer included in the call request information, financial transaction-related information (or of the new financial product By confirming the release information and the predetermined code corresponding to the financial transaction related information), it is possible to recognize what consultation the customer of the consultation request wants before the call with the customer.

In addition, the call center counselor, if the call request information includes the financial account information and / or social security number of the consultation request financial transaction customer extracted (or confirmed) from the ledger D / B, financial account use history inquiry, Since it is possible to perform a service such as deposit history inquiry, transfer, etc., the customer may be provided with the service without calling or inputting financial account information or social security number.

According to the method of the present invention, the counselor confirmation unit 130, when the call request information received through the call request receiving unit 135 includes the consultation reservation time information, the current time and the consultation reservation time In comparison, the remaining time until the consultation reservation time is counted, and when the consultation reservation time requested by the customer arrives, the call request information of the customer is provided to the counselor terminal waiting for the call.

In addition, according to the implementation method of the present invention, the counselor confirmation unit 130, information about the release of a new financial product delivered to the financial transaction customer (or selected by the financial transaction customer) in the consultation request information, financial If the transaction-related information (or information on the release of the new financial product, predetermined code corresponding to the financial transaction-related information) is included, the counselor corresponding to the information on the release of the new financial product, financial transaction-related information (Eg, a professional or a responsible counselor), and provides consultation request information of the customer to the confirmed counselor terminal.

In this case, since the professional or responsible counselor for the specific information desired by the financial transaction customer who requested the consultation makes a telephone connection to the customer, the customer may receive a higher quality consultation service.

In addition, according to an embodiment of the present invention, the call center server shown in Figure 1 receives the call request information transmitted from the information processing server 100, according to the received call request information counselor waiting for consultation ( Or at least one counselor terminal) to provide the received call request information to the counseling terminal waiting to be consulted, at least one agent terminal information to provide the received call request information, and a telephone connection with a consultation request customer. And a database for storing call history information generated after connection, and / or at least one agent terminal information through a predetermined network and / or interface means, and call history information generated after a telephone connection with a customer requesting a consultation. It is preferable to link with a storage medium (or storage medium operating means) that stores and manages in association with ( Not shown)

7 is a diagram illustrating a process in which a financial transaction customer transmits call request information to a server through a financial terminal according to another exemplary embodiment of the present invention.

In more detail, FIG. 7 illustrates information about the new financial product (or service) through the information providing system shown in FIG. 6 when a new financial product (or service) to be provided to at least one financial transaction customer is released. The financial transaction customer provides the financial terminal to perform a predetermined financial transaction, the financial transaction customer confirming the information provided to the call request information for the telephone consultation request according to the present invention transmits the information processing server 100 It shows an implementation method for.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing to infer various implementation methods for the call request information transmission process. It includes all methods, and is not limited to the embodiment shown in FIG.

Referring to FIG. 7, an MS in which predetermined financial means information is stored in a card reader of a financial terminal including a CD / ATM provided at a branch (or branch) of a financial institution and / or in a public place is provided. A customer-owned bank with magnetic stripe) and / or a customer-owned MS card (e.g., a cash card, debit card, etc.) equipped with predetermined financial instrument information, and / or a customer-owned IC equipped with predetermined financial instrument information When an integrated circuit card (for example, a cash card, a debit card, or an electronic bank account) is inserted, the financial terminal outputs at least one financial transaction interface screen and enters a non-face-to-face financial transaction procedure corresponding to the financial transaction interface screen. According to the customer-owned bank account and / or MS card and / or IC card to obtain predetermined financial means information (e.g., account number provided in the financial system 140 corresponding to the financial transaction customer) At least one financial transaction information corresponding to the financial transaction requested (or selected) by the financial transaction customer (e.g., during a bank transfer transaction, a deposit account number, a bank transfer amount, a withdrawal account (customer account) password, etc.) Input processing is performed (700).

Those of ordinary skill in the art to which the present invention pertains may include the customer-owned bank account and / or MS card and / or in accordance with a non-face-to-face financial transaction procedure corresponding to at least one financial transaction interface screen provided by the financial terminal. Since it will be familiar with the process of reading predetermined financial instrument information from an IC card and inputting and processing at least one financial transaction information corresponding to the financial transaction requested by the financial transaction customer. Is omitted for convenience.

Thereafter, the financial terminal transmits the financial instrument information and the financial transaction information to the financial system 140 through a predetermined financial network (for example, CD common network) (1205), and the financial system 140 (for example, The ledger server provided in the financial system 140 processes at least one financial transaction corresponding to the financial transaction information through a ledger (eg, a customer ledger and / or a reception ledger) corresponding to the financial instrument information. A predetermined financial transaction result corresponding to the financial transaction processing may be generated (705). According to the present embodiment, the information processing server 100 shown in FIG. Or a service) related information, etc.) may be provided to the financial terminal (710) (or previously provided and stored in a predetermined memory in the financial terminal).

The financial transaction customer confirms information related to a new financial product (or service) provided by the information processing server 100 in the process of performing or performing a financial transaction using the financial terminal ( 715).

Here, when the financial transaction customer wants to consult the new financial product (or service) related information in accordance with the present invention (720), the provided information through the user interface provided by the information processing server 100 A consultation request event is generated (for example, a consultation request button is clicked on), and the call connection request information of the customer is transmitted to the information processing server 100 through the financial network through the user interface according to the consultation request event. (725).

According to an embodiment of the present invention, the call connection request information provided from the financial terminal to the information processing server 100 through the user interface includes at least one financial transaction customer information (eg, an ID, a financial transaction number, etc.). A unique code included in the above), information on the release of a new financial product provided to the financial terminal, financial transaction related information (or information on the release of the new financial product, predetermined code corresponding to financial transaction related information), and And the information (eg, consultation reservation time, consultation request specific matters, etc.) selected or input by the financial transaction customer through the user interface.

8 is a diagram illustrating a process of transmitting call request information transmitted from a financial transaction customer using a financial terminal according to an embodiment of the present invention to the call center server 125.

In more detail, the new financial product (or service) related information and the user interface are transmitted to the financial terminal through which the financial transaction customer performs a predetermined financial transaction through the process of FIG. 7 and the provided new financial product. (Or service) when the financial transaction customer confirming the related information transmits the call connection request information to the information processing server 100 for a telephone consultation request according to the present invention, the information processing server 100 receives the received call connection. By using the request information, the financial transaction customer phone number is extracted from the ledger information, and the extracted telephone number and the call connection request information of the financial transaction customer are transmitted to a call center server, and the call center counselor and the financial transaction. FIG. 1 illustrates one embodiment of a process in which a telephone connection between customers is performed.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 to implement various methods of receiving the call connection request information and a telephone connection process between the call center agent and the financial transaction customer. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to FIG. 8, the process of receiving the call request information and the telephone connection between the call center counselor and the financial transaction customer is performed by the financial transaction customer at the information processing server 100 through the process of FIG. 7. In operation 800, the call connection request information may be received through a user interface provided to a financial terminal that performs a transaction.

When the call connection request information of the financial transaction customer is received through the user interface provided to the financial terminal, the information processing server 100 confirms the financial transaction customer information included in the call connection request information, wherein the call As described above, the connection request information includes financial transaction customer information (eg, a unique code including at least one or more of an ID, a financial transaction number, etc.), information about the release of a new financial product provided to the financial terminal, and financial transaction related information. Information (or information on the release of the new financial product, predetermined code corresponding to financial transaction related information), and information selected or input through the financial transaction customer through the user interface (eg, a consultation appointment time, or Consultation request specific matters, etc.), and the information processing server 100 includes the call connection request information. Of, and confirms the (unique code that includes at least one, for example, identity, financial transaction number), the financial transaction customer information 805. The

Then, the information processing server 100 accesses the ledger information shown in FIG. 2 and extracts (or confirms) a phone number (eg, a landline phone or a mobile phone number) corresponding to the confirmed financial transaction customer information. In operation 815, the extracted (or confirmed) telephone number and call connection request information of the financial transaction customer are transmitted to the connected call center server 125 through a predetermined interface means (815).

According to an embodiment of the present invention, in the above process, the call connection request information of the financial transaction customer may include a wide variety of information, which will be described with reference to FIGS. 5A and 5B. .

The call center server 125 periodically monitors at least one counselor terminal connected to the call center server 125 to check whether the counselors call or not, and then calls the financial transaction customer from the information processing server 100. When the connection request information and the phone number are received, the at least one counselor terminal checks the callable counselor terminal (820), and transmits the call connection request information and the telephone number to the identified counselor terminal (825).

Then, the call center counselor terminal outputs the call connection request information and phone number of the financial transaction customer transmitted from the call center server 125 (830), and the call center agent calls the call connection request information and the phone of the financial transaction customer. A telephone connection is attempted to the financial transaction customer with reference to the number, and consultation is initiated at the request of the financial transaction customer (835).

9 is a diagram illustrating an agent telephone connection system corresponding to the occurrence of a consultation request event of a customer of a financial institution according to another exemplary embodiment of the present invention.

In more detail, FIG. 9 illustrates a predetermined user interface (eg, a consultation request button, consultation provided by a financial transaction customer to the financial transaction customer terminal in a non-face-to-face financial transaction process based on Internet banking through the financial system 140). When a counseling request event is generated by inputting or selecting a request banner, etc., referring to the ledger DB of the financial transaction customer who generated the counseling request event, the telephone number of the financial transaction customer stored in the ledger DB (eg, a landline telephone). Number or mobile phone number, etc.), and a call center counselor provided at the financial institution or interworking with the financial institution to perform a telephone connection with the financial transaction customer. Those skilled in the art can refer to and / or modify the system of FIG. For would be able to infer the various exemplary methods, the present invention includes both all exemplary way in which the inference, not limited to the exemplary method shown in the figure 9.

The financial system 140 for providing non-face-to-face financial transactions based on the Internet banking may open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. It is a computerized system provided to financial institutions in order to provide accounting for processing of credit services such as credits or receptions or trusts or foreign exchanges occurring in at least one branch (or counter), processing of headquarters operations, branch information support, and customer information. At least one non-information provided in the information system that processes management, the interconnection between the financial system 140 and at least one other financial system 140 (and / or payment system), and / or at least one external communication network. Face-to-face financial transactions (eg, Internet banking, wireless banking, IC chip-based wireless banking, home banking) , Telebanking, TV banking, etc.) to access the financial system 140, and / or the external system to provide various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). In addition, the financial system 140 is an interface module corresponding to a middleware platform that provides interfacing between components in the financial system 140, 140, and the financial system 140 Predetermined information (eg, ledger information, and / or management information, and / or obtained by the financial institution in processing a financial transaction to the financial transaction customer) required for each function in a component within 140. And a DBMS comprising at least one database for storing and managing customer relationship management (CRM) information.

In addition, the financial system 140 interfaces with a predetermined internet banking server through a predetermined interface means to provide the internet banking-based non-face-to-face financial transaction, and at least requested from the internet banking server. It is characterized by performing one or more ledger-based financial transaction procedures.

According to an embodiment of the present invention, the Internet banking server is interlocked with the financial system 140 through the external system, and for this purpose, the external bank is a component for interworking with the Internet banking server through a predetermined interface means. It is preferable to comprise a.

Referring to FIG. 9, the illustrated internet banking server includes an interface unit for connecting and managing a predetermined communication channel for internet banking through at least one financial transaction client terminal and a predetermined network means, and a communication channel provided by the interface unit. An internet banking unit that processes a non-face-to-face internet banking-based financial transaction to at least one client terminal through the Internet banking process, and predetermined information (eg, a new financial product (or Service) related information, etc.) and the user interface including the Internet banking unit on the interface screen provided to the financial transaction customer terminal through the interface unit and outputting the interface, and the financial transaction through the communication channel provided by the interface unit. From the customer terminal When the call connection request information corresponding to the provided information (for example, new financial product (or service) related information, etc.) is received, the interface processing unit 120 for receiving (or confirming) and the plurality of ledgers D / B are accessed The financial institution customer information (eg, telephone number, social security number) by reading the customer ledger (and / or at least one additional information associated with the customer ledger) of the financial institution customer who provided the consultation request event among the financial institution clients of A ledger reading unit 110 for extracting the account number and the like, and a call center having the financial institution customer information extracted from the ledger D / B in the financial system 140 or interworking with the financial system 140. It may be made by including a call request unit 105 for transmitting to the server to request a telephone connection to the financial institution customer.

In FIG. 9 according to an embodiment of the present invention, the Internet banking server is illustrated as a predetermined server provided outside the financial system 140. However, the present invention is not limited thereto, and the Internet banking server is the present invention. A predetermined server provided in the financial system 140 for connection to an agent telephone corresponding to an occurrence of a consultation request event of a financial institution customer according to the present invention, and / or corresponding to a consultation request event of a financial institution customer according to the present invention. A predetermined ledger server further comprising an agent telephone connection function (or a program recorded on a recording medium provided to the ledger server to provide an agent telephone connection function corresponding to a counseling request event occurrence of a customer of a financial institution according to the present invention). Or, and / or consultation corresponding to the occurrence of the consultation request event of the customer of the financial institution according to the present invention It may be an information system having a telephone connection function (or a program recorded in a recording medium provided in the information system to provide an agent telephone connection function corresponding to the occurrence of a consultation request event of a financial institution customer according to the present invention). The present invention is not limited thereby.

In addition, the Internet banking server may be implemented as one server and / or implemented by one program, or at least two or more servers (for example, the information illustrated in FIG. 1 or 6 above) for each functional component. It is possible to implement the process server 100, and / or at least two or more programs, by which the present invention is not limited.

Those skilled in the art to which the present invention pertains, in a non-face-to-face manner in connection with the financial system 140 via a communication channel provided by the interface unit according to the Internet banking procedures defined by each financial institution Since you will be familiar with the procedure for providing the Internet banking service of the Internet, the detailed description of the Internet banking service providing the Internet banking service including the non-face-to-face financial transaction process of the web page method and / or banking program method will be omitted for convenience.

According to an embodiment of the present invention, when the internet banking unit provides an internet banking service including a non-face-to-face financial transaction procedure of a web page method, the interface unit may use a Hyper-Text Transfer Protocol (HTTP) protocol with the financial transaction client terminal. A predetermined communication channel is connected to the terminal, and an Internet banking related interface screen and / or an information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is transmitted to the financial transaction customer terminal through the communication channel. And providing the user interface so as to receive and process predetermined call connection request information input (or selected) through the internet banking related interface screen or the user interface from the financial transaction customer terminal. .

According to another embodiment of the present invention, when the internet banking unit provides an internet banking service including a non-face-to-face financial transaction procedure of a banking program method, the interface unit may include a predetermined banking program provided in the financial transaction customer terminal and the A predetermined communication channel is connected based on a banking protocol defined by a financial institution, and the financial transaction interface information and user interface information corresponding to the banking protocol are transmitted to the financial transaction customer terminal through the communication channel. A predetermined call outputs a predetermined internet banking related interface screen and / or information providing screen and is input (or selected) through the internet banking related interface screen or user interface from the banking program provided in the financial transaction customer terminal. Connection To carry out the function of the information and / or receive processing a financial transaction information is preferred.

According to the present invention, the interface providing unit further includes a predetermined user interface on the internet banking related interface screen and / or information providing screen provided by the internet banking unit to the financial transaction customer terminal through a communication channel provided by the interface unit. In this case, it is preferable that the user interface is further included in the internet banking related interface screen and / or information providing screen output to the financial transaction customer terminal.

According to the present invention, the user interface, counseling counseling regarding at least one or more information (eg, information on the release of new financial products, information related to financial transactions, etc.) provided to the financial transaction customer terminal connected through the Internet banking. And a user interface (eg, a consultation request button, a consultation request banner, etc.) for the request.

According to the present invention, the user interface includes the financial transaction customer information (eg, a unique code including at least one or more of an e-mail address, ID, certificate information, financial transaction information, etc.) and a predetermined new service provided to the financial transaction customer terminal. Information on the release of a financial product, financial transaction related information (or information on the release of the new financial product, predetermined code corresponding to the financial transaction related information), and the Internet banking server information (eg, a server communication address, etc.) And link information for connecting to a consultation request service waiting page or a consultation request service related page. When the financial transaction customer generates a consultation request event through the user interface, the consultation request service waiting or consultation is performed. Go to the page for the requested service or wait or wait for the consultation request service. At the same time opening the page related to the wall request service, transmitting the information to the Internet banking server (eg, the interface processing unit 120 of the Internet banking server) through a submit control (or a transmission control) using an HTML tag FORM form. It features.

According to another exemplary embodiment, the user interface may include the financial transaction customer information (eg, a unique code including at least one or more of an e-mail address, ID, certificate information, financial transaction information, etc.) and a predetermined transaction provided to the financial transaction customer terminal. Information on the release of a new financial product, financial transaction related information (or information on the release of the new financial product, a predetermined code corresponding to financial transaction related information), and the Internet banking server information (eg, a server communication address, etc.). In this case, when the financial transaction customer generates a consultation request event through the user interface, without a separate link information, through the submit control (or transmission control) using the HTML tag FORM form Transmitting the information to the internet banking server (eg, the interface processor 120 of the internet banking server). And that is characterized.

According to another exemplary embodiment, the user interface may include the Internet banking server information (eg, a server communication address) and a predetermined information transmission script. In this case, the financial transaction customer may include the user interface. When generating a consultation request event through, the script is specific information provided to the financial transaction customer terminal (for example, information on the release of new financial products, financial transaction information or information on the release of the new financial products, financial transactions The predetermined information corresponding to the relevant information) and the financial transaction customer information (eg, a unique code including at least one or more of an e-mail address, ID, certificate information, financial transaction information, etc.) Characterized in that the transmission to the server (eg, the interface processing unit 120 of the Internet banking server) It shall be.

In addition, according to the present invention, the user interface unit (for example, information on the release of a new financial product, information on the financial transaction or information on the release of the new financial product, financial transaction related information provided to the financial transaction customer terminal) Etc.), so that the financial transaction customer can input (or select) predetermined time information (e.g., counseling reservation time, etc.), and the time information input (or selected) by the financial transaction customer is described above. The information is transmitted to the internet banking server together with the information (for example, information transmitted to the internet banking server through a user interface).

The interface processing unit 120 of the Internet banking server, when the financial institution customer receiving the e-mail generates a consultation request event through the user interface included in the e-mail, the financial information transmitted through the user interface Transaction customer information (e.g., a unique code including at least one or more of e-mail address, ID, certificate information, financial transaction information, etc.), and / or information on the release of new financial products provided to the financial transaction customer terminal, financial transaction related Receives (or confirms) information (or information on the release of the new financial product, predetermined code corresponding to financial transaction related information), and / or consultation reservation time information, etc. It is characterized in that the transfer to the reading unit (110).

In addition, when the predetermined code corresponding to the information about the release of the new financial product, the financial transaction-related information is transmitted through the user interface, the interface processor 120 accesses the DBMS to the delivered code. Characterized in that the information on the release of the corresponding new financial products, financial transaction related information is characterized.

The ledger reading unit 110 may provide the consultation request related information (eg, the financial transaction customer information (eg, an email address, ID, certificate information, financial transaction information, etc.) transmitted by the interface processor 120 through the user interface). Unique code including at least one), and / or information on the release of a new financial product provided to the financial transaction customer terminal, financial transaction related information (or information on the release of the new financial product, financial transaction related information) A predetermined code), and / or consultation reservation time information, etc.), confirm the financial transaction customer information, and access the ledger D / B to the customer ledger (and / or the customer for the consultation financial transaction customer). At least one additional information associated with the customer ledger) to extract (or confirm) the telephone number of the financial transaction customer. .

In addition, the ledger reading unit 110 reads a customer ledger (and / or at least one or more additional information associated with the customer ledger) for the consultation request financial transaction customer, the account information (for example, the financial transaction customer) , Account number, account password, etc.) is further extracted (or confirmed).

In addition, the ledger reader 110 further reads the customer ledger (and / or at least one or more additional information associated with the customer ledger) for the consultation request financial transaction customer, and further extracts the resident registration number of the financial transaction customer. (Or check).

According to the present invention, the customer ledger basically includes customer information and financial transaction related information for the financial transaction customer, and includes a customer information file (CIF) number, a country code, a contact ID, a sales office for the financial transaction customer. No., Customer Classification, Customer Name, Customer Address, Area Classification Code, Phone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Name, Social Security Number, Company Address, Company Phone No., postal address, account number, president, type of business, legal representative, initial transaction date, TRW, DB, usage limit, parent company number, country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number Including at least one or more legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. For more information on this refer to Figure 2 above The.

When the call request unit 105 of the information processing server 100 extracts (or confirms) the telephone number information of the consultation request financial transaction customer from the ledger D / B through the ledger reading unit 110, Characterized in that the call request by transferring the extracted (or confirmed) the telephone number information of the consultation request financial transaction customer to the call center server 125 (for example, the call request receiving unit 135) connected through a predetermined interface means .

In addition, the call request unit 105, if the financial account information of the consultation request financial transaction customer is further extracted (or confirmed) from the ledger D / B through the ledger reader 110, the extraction (or confirmation) The financial account information of the customer is transferred to the call center server 125, characterized in that for making a call request.

In addition, the call request unit 105 is further extracted (or confirmed) of the resident registration number of the consultation request financial transaction customer from the ledger D / B through the ledger reader 110 through the ledger reader 110 In this case, it is characterized in that the call request is delivered to the call center server 125 of the extracted (or confirmed) resident registration number of the financial transaction customer.

According to the present invention, the call request unit 105 is a specific information (for example, a new request for consultation of the consultation request financial transaction customer from the ledger D / B through the interface processing unit 120 or the ledger reading unit 110) When information on the release of a financial product, financial transaction related information (or information on the release of the new financial product, a predetermined code corresponding to the financial transaction related information), and / or consultation appointment time information, etc. are provided, Characterized in that the financial transaction customer consultation request is delivered to the call center server 125, characterized in that for making a call request.

On the other hand, referring to Figure 9, the financial system 140, the call request for receiving the call request information of the financial transaction customer from the Internet banking server to connect the counselor telephone corresponding to the occurrence of the consultation request event of the financial institution customer When the call request information is received through the receiver 135 and the call request receiver 135, the agent (or counselor terminal) waiting for a telephone consultation is checked to provide the received call request information to the counselor terminal waiting for consultation. Characterized in that a predetermined call center server including a counselor confirmation unit 130 is provided.

Preferably, the call center server may be connected to the information processing server 100 through a predetermined interface means. In addition, in FIG. 9, the call center server is a predetermined server provided outside the financial system 140. Although the present invention is not limited thereto, the call center server may be provided in the financial system 140 for connection to an agent telephone corresponding to a counseling request event occurrence of a financial institution customer according to the present invention. A predetermined ledger server (or a counseling request event of a financial institution customer according to the present invention) which is a predetermined server and / or has an agent telephone connection function corresponding to the occurrence of a consultation request event of a financial institution customer according to the present invention. Or a program recorded on a recording medium provided to the ledger server to provide a corresponding agent telephone connection function. And / or an information system further comprising an agent telephone connection function corresponding to a counseling request event occurrence of a financial institution customer according to the present invention (or an agent telephone connection function corresponding to a counseling request event occurrence of a financial institution customer according to the present invention). To be recorded on the recording medium provided in the information system), by which the present invention is not limited.

In addition, the call center server may be implemented as one server and / or implemented by one program, or implemented by at least two or more servers for each functional component, and / or by at least two or more programs. It is possible to implement, and the invention is not limited thereby.

The call request receiving unit 135 of the call center server receives predetermined call request information from the Internet banking server, wherein the call request information is extracted (or confirmed) from the ledger D / B. It is characterized by including the telephone number information of the customer.

According to the method of the present invention, the call request information is a new information provided to the financial transaction customer terminal when the Internet banking access using the consultation request financial transaction customer specific information (eg, the financial transaction customer terminal) And information on the release of the financial product, financial transaction related information (or information on the release of the new financial product, predetermined code corresponding to the financial transaction related information) and / or consultation appointment time information, etc. It is done.

In addition, the call request information, characterized in that it further comprises the financial account information and / or resident registration number of the consultation request financial transaction customer extracted (or confirmed) from the ledger D / B.

When the financial account information of the consultation request financial transaction customer is further extracted (or confirmed) from the ledger D / B through the ledger reader 110, the financial account information of the extracted financial transaction customer is extracted. The call center server 125 is characterized in that for making a call request.

In addition, the call request unit 105 is further extracted (or confirmed) of the resident registration number of the consultation request financial transaction customer from the ledger D / B through the ledger reader 110 through the ledger reader 110 In this case, the extracted (or confirmed) the social security number of the customer is delivered to the call center server 125, characterized in that for making a call request

The counselor checker 130 is connected to at least one counselor terminal connected to the call center server to periodically check whether the corresponding agent is busy or waiting for the call. Preferably, the call request receiver ( When the call request information corresponding to the financial transaction customer is received through 135, the counselor terminal waiting for the call is checked, and the call request information is provided to the confirmed counselor terminal.

For example, the call center counselor receives the call request information of the financial transaction customer from the call center server to a predetermined terminal in a call waiting state, and attempts to connect to the telephone number of the financial transaction customer included in the call request information. Done.

In addition, the call center counselor, information on the release of a new financial product (or selected by the financial transaction customer) delivered to the financial transaction customer included in the call request information, financial transaction-related information (or of the new financial product By confirming the release information and the predetermined code corresponding to the financial transaction related information), it is possible to recognize what consultation the customer of the consultation request wants before the call with the customer.

In addition, the call center counselor, if the call request information includes the financial account information and / or social security number of the consultation request financial transaction customer extracted (or confirmed) from the ledger D / B, financial account use history inquiry, Since it is possible to perform a service such as deposit history inquiry, transfer, etc., the customer may be provided with the service without calling or inputting financial account information or social security number.

According to the method of the present invention, the counselor confirmation unit 130, when the call request information received through the call request receiving unit 135 includes the consultation reservation time information, the current time and the consultation reservation time In comparison, the remaining time until the consultation reservation time is counted, and when the consultation reservation time requested by the customer arrives, the call request information of the customer is provided to the counselor terminal waiting for the call.

In addition, according to the implementation method of the present invention, the counselor confirmation unit 130, information about the release of a new financial product delivered to the financial transaction customer (or selected by the financial transaction customer) in the consultation request information, financial If the transaction-related information (or information on the release of the new financial product, predetermined code corresponding to the financial transaction-related information) is included, the counselor corresponding to the information on the release of the new financial product, financial transaction-related information (Eg, a professional or a responsible counselor), and provides consultation request information of the customer to the confirmed counselor terminal.

In this case, since the professional or responsible counselor for the specific information desired by the financial transaction customer who requested the consultation makes a telephone connection to the customer, the customer may receive a higher quality consultation service.

In addition, according to an embodiment of the present invention, the call center server illustrated in FIG. 9 receives call request information transmitted from the Internet banking server, and waits for a telephone counseling agent (or counselor terminal) according to the received call request information. In order to provide the received call request information to the counseling terminal waiting for consultation, at least one agent terminal information for providing the received call request information and a telephone call with a consultation request customer A database for storing call history information in association with each other; and / or at least one agent terminal information through a predetermined network and / or interface means, and call history information generated after a telephone connection with a requesting customer. It is preferable to interlock with a storage medium (or storage medium operating means) that stores and manages.

10 is a diagram illustrating a process of transmitting, by the financial transaction customer, call request information to a server through a financial transaction customer terminal during Internet banking according to another exemplary embodiment of the present invention.

In more detail, in FIG. 10, when a new financial product (or service) to be provided to at least one or more financial transaction customers is released, the FIG. 10 is connected to perform a predetermined Internet banking task through the information providing system shown in FIG. The Internet banking server shown in FIG. 9 provides call request information to the financial transaction customer who provides the new financial product (or service) related information to the financial transaction customer terminal and checks the provided information. It shows an implementation method for the process of transmitting to.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 10 to infer various implementation methods for the call request information transmission process, but the present invention is inferred from the above It includes all implementation methods and is not limited to the implementation method shown in FIG.

According to FIG. 10, in the illustrated Internet banking, the call request information transmission process includes a predetermined new financial product (or service) being released (or scheduled to be released) (1000), and the new financial product (or service) related information. It may be initiated from the process that is determined to provide to the at least one financial transaction customer terminal to access the Internet banking (1005).

In accordance with an embodiment of the present invention, it is decided to provide information related to the new financial product (or service) to a financial transaction customer terminal connected to the Internet banking server for the purpose of promoting or providing information about the new financial product (or service). Then, when a predetermined financial transaction customer accesses the Internet banking server through a financial transaction terminal (1010), the Internet banking server, based on the Internet banking-based non-face-to-face financial transaction procedure from the financial transaction client terminal Internet banking-based finance In the process of receiving transaction information and providing the financial system 140 to perform a predetermined internet banking financial transaction (1015), the financial transaction customer terminal calls for the new financial product (or service) according to the present invention. A user interface for requesting a connection consultation is provided (1020).

For example, the user interface provided to the financial transaction customer terminal may be configured in the form of a consultation request button, a consultation request banner, or the like, which can be selected or clicked by the financial confirmation customer.

According to an embodiment of the present invention, the user interface includes the financial transaction customer information (eg, a unique code including at least one or more e-mail address, ID, certificate information, financial transaction information, etc.) and the financial transaction customer terminal. Information on the release of the new financial product provided, financial transaction related information (or information on the release of the new financial product, predetermined code corresponding to the financial transaction related information), and the Internet banking server information (eg, a server communication address). Etc.) and link information for connecting to a consultation request service waiting page or a consultation request service related page.

In addition, the user interface may include the financial transaction customer information (eg, a unique code including at least one or more of an e-mail address, ID, certificate information, financial transaction information, etc.) and a new financial product provided to the financial transaction customer terminal. Information related to the financial transaction information (or information on the release of the new financial product, predetermined code corresponding to the financial transaction related information), and the Internet banking server information (eg, a server communication address, etc.). Can be.

According to the present invention, the financial transaction customer confirms the new financial product (or service) related information provided to the financial transaction customer terminal (1025), and the detailed description of the new financial product (or service) related information If desired, the financial transaction customer requests a consultation through a user interface provided to the financial transaction customer terminal (1030).

The consultation request may be executed by the mail confirmation financial transaction customer selecting (or clicking) the “button” or “banner” when the user interface has a predetermined “button” or “banner” form. have.

In addition, when the user interface has a predetermined input field (eg, consultation reservation time input field, etc.), the financial transaction customer may input predetermined information (eg, consultation reservation time, etc.) through the input field. have.

According to an embodiment of the present invention, financial transaction customer information (eg, a unique code including at least one or more of an e-mail address, ID, certificate information, financial transaction information, etc.) included in the user interface, and the financial transaction customer terminal Information on the release of the new financial product provided, financial transaction related information (or information on the release of the new financial product, predetermined code corresponding to financial transaction related information), and a predetermined script included in the user interface is executed. Information (eg, new financial product (or service) information provided to a financial transaction customer terminal, Internet banking accessor account (or authorized certificate) information, etc.) and information selected or input by the financial transaction customer through the user interface. (E.g., consultation appointment time, consultation request specific matters, etc.) , Through the user interface, the call connection request information is transmitted to the Internet banking server (1035).

11 is a diagram illustrating a process of transmitting call request information transmitted from a financial transaction customer terminal to the call center server 125 when Internet banking is performed according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates that the new financial product (or service) related information is provided to a financial transaction customer terminal connected to an internet banking server through the process of FIG. 10, and the provided new financial product (or service) related information. When the financial transaction customer confirms that the call connection request information is transmitted to the Internet banking server for the telephone consultation request according to the present invention, the financial information is obtained from the ledger information by using the received call connection request information at the Internet banking server. Extracting a transaction customer telephone number, transmitting the extracted telephone number and call connection request information of the financial transaction customer to a call center server, and performing a process of performing a telephone connection between the call center agent and the financial transaction customer; The method is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11 to implement various methods of receiving the call connection request information and a telephone connection process between the call center agent and the financial transaction customer. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to FIG. 11, the process of receiving the illustrated call request information and the telephone connection between the call center counselor and the financial transaction customer is provided to the financial transaction customer terminal connected to the financial transaction customer terminal through the process of FIG. 10. It may be initiated from the process of receiving the call connection request information through (1000).

Then, the Internet banking server confirms the financial transaction customer information included in the call connection request information, wherein the call connection request information is, as described above, financial transaction customer information (eg, mail address, ID, certificate information). , A unique code including at least one financial transaction information, and the like, information on the release of a new financial product provided to a financial transaction client terminal connected to the Internet banking server, and financial transaction related information (or release of the new financial product). Information related to the financial transaction related information, predetermined code corresponding to the financial transaction related information, information obtained by executing a predetermined script included in the user interface (for example, new financial product (or service) information provided to the financial transaction customer terminal, and the Internet). Banking access account information, etc.) and the financial transaction customer through the user interface. And the inclusion of that force information (e.g., appointment time, or consult requests specific information, etc.) is preferred.

The Internet banking server checks the financial transaction customer information (eg, a unique code including at least one or more e-mail address, ID, certificate information, financial transaction information, etc.) among the call connection request information (1105). The ledger information illustrated in FIG. 2 is accessed to extract (or verify) a phone number (eg, a landline or mobile phone number) corresponding to the confirmed financial transaction customer information (1110).

When the phone number of the financial transaction customer is confirmed, the Internet banking server transmits the extracted (or confirmed) phone number and call connection request information of the financial transaction customer to a call center server 125 connected through a predetermined interface means. (1115).

According to an embodiment of the present invention, since the call connection request information of the financial transaction customer may include a wide variety of information, an embodiment thereof will be described with reference to FIGS. 5A and 5B.

Preferably, the call center server 125 periodically monitors at least one counselor terminal connected to the call center server 125 to check whether the counselors call or not, and then calls a financial transaction customer from the Internet banking server. When connection request information and a phone number are received, the callable counselor terminal of the at least one or more counselor terminals is checked (1120), and the call connection request information and the telephone number are transmitted to the identified counselor terminal (1125).

Then, the call center counselor terminal outputs the call connection request information and the phone number of the financial transaction customer transmitted from the call center server 125 (1130), and the call center agent calls the call connection request information and the phone of the financial transaction customer. A telephone connection is attempted to the financial transaction customer by referring to the number, and consultation is started at the request of the financial transaction customer (1135).

According to the present invention, by using the financial transaction customer-related information (for example, landline phone number or mobile phone number information) accumulated in the financial institution, questions or questions that may arise during the financial transaction of the customer (for example, new For financial products or new financial services, etc., it is possible to provide a detailed description to the financial transaction customer through a telephone connection.

In addition, the financial transaction customer has the advantage of being able to easily talk to the counselor (for example, click a consultation request button) without inputting additional personal information (eg, name, social security number, telephone number, etc.).

Claims (8)

Receiving an e-mail containing a financial product or financial transaction-related information-financial product code, or financial transaction code-requesting customer consultation at the information receiving means, or financial transaction-related information-financial transaction code, Or an information receiving step of receiving call connection request information including a financial transaction screen code; On the basis of the received mail or call connection request information in the information checking means, confirms the call connection request customer information, and confirms the information for identifying the financial product or financial transaction target or the type of the financial transaction in question step; An information extraction step of extracting customer communication means information corresponding to the confirmed customer information from the information extracting means, and identifying a professional counselor corresponding to the identified consultation request target financial product or financial transaction; And transmitting the extracted customer communication means information from the information transmitting means to a terminal of a professional counselor corresponding to the financial product or financial transaction for which the confirmed customer requests consultation. The information transmission step, When there are a plurality of specialized counselors corresponding to the financial product or financial transaction to be consulted by the customer identified through the information extraction step, after checking the specialized counseling agent who is waiting for a call among the plurality of professional counselors, the confirmed waiting call Information processing method characterized in that for transmitting the extracted customer communication means information to a terminal of a professional counselor. delete delete The method of claim 1, The information extraction step, In connection with the customer ledger database, characterized in that extracting one or more social security number information and customer account information corresponding to the customer, The information transmission step, The information processing method characterized in that for transmitting the extracted customer social security number information and customer account information one or more further to the terminal of the professional counselor. The method of claim 1, The information receiving step, Receiving the customer's financial products or financial transaction-related e-mail, or further receiving the consultation reservation time information from the terminal of the customer in the financial transaction, The information transmission step, And transmitting the consultation reservation time information to the terminal of the expert counselor. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. delete delete

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