JP2005031957A - Unattended terminal operational system and its program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an unattended terminal operational system which can resume a procedure from a procedural step of an interrupted transaction even when the transaction has been interrupted due to an unexpected situation or the like midway through the transaction. <P>SOLUTION: The unattended terminal operational system conducts transactions by communication by connecting an attendant terminal which is installed in a center of a financial institution or the like and operated by an operator and an unattended terminal which is installed in a store and operated by a customer. The system divides a transaction into a plurality of procedural steps, every time one procedural step is finished, stores the result of the procedural step in transaction information, and for resuming the transaction after the interruption thereof, resumes the transaction from the interrupted procedural step. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an unattended terminal operation system and a program thereof for performing transactions such as opening an account and applying for a loan using an unattended terminal installed in a financial institution or the like.
[0002]
[Prior art]
A conventional unmanned terminal operation system installs a clerk terminal operated by a clerk at the center of a financial institution, connects to an unattended terminal installed in each branch office, etc., and performs transactions with customers using the unattended terminal by communication In this case, customer's iris data (eye iris information) is acquired and the customer is inquired about the intention of returning to the store at each stage of the application process, such as the application stage for inputting the application form. Store data in the database, such as date of birth and iris data entered so far, and identify the customer based on the date of birth and iris data re-entered when the customer re-enters the store, The procedure is restarted by reading the intermediate data stored in the database (see, for example, Patent Document 1).
[0003]
[Patent Document 1]
JP-A-11-175728 (page 4-5)
-
FIG. 7)
[0004]
[Problems to be solved by the invention]
However, in the above-described conventional technology, depending on the customer's intention to interrupt the transaction, data is stored in the middle until that stage, so that the transaction is interrupted. If the transaction is interrupted due to unforeseen circumstances, the data up to that point will be lost, and when the transaction is resumed after the transaction is interrupted, there is a problem that the procedure for the transaction must be performed again from the beginning. .
[0005]
The present invention was made in order to solve the above-mentioned problems. Even when the transaction is interrupted due to an unexpected situation in the middle of the transaction, the unmanned terminal operation can resume the procedure from the procedure stage of the interrupted transaction. The purpose is to provide a system.
[0006]
[Means for Solving the Problems]
In order to solve the above-mentioned problems, the present invention connects a clerk terminal operated by a clerk installed in a center such as a financial institution and an unmanned terminal operated by a customer installed in a store, and performs a transaction by communication. An unmanned terminal operation system is characterized in that a transaction is divided into a plurality of procedure steps, and each time a procedure step is completed, the result of the procedure step is stored in transaction information.
[0007]
In addition, each time a procedure step is completed in the terminal control unit of a clerk terminal operated by a clerk installed in a center connected to an unattended terminal operated by a customer installed in a store such as a financial institution, the procedural step Transaction information storage step for storing the result of the transaction as transaction information, customer verification information storage step for storing the customer's face image and personal information as customer verification information, and input to the customer when the transaction is resumed after the transaction is interrupted A personal information selection accepting step for accepting selection of a personal information worker to be performed, a resuming face image obtaining step for obtaining a resuming customer face image, the personal information inputted by the customer and a resuming customer face image A resuming customer matching step that matches the customer matching information, and a suspended transaction resuming step that resumes the transaction from the suspended procedure stage when the matching results match. And characterized in that.
[0008]
DETAILED DESCRIPTION OF THE INVENTION
Embodiments of the unmanned terminal operation system according to the present invention will be described below with reference to the drawings.
First embodiment
1 is a block diagram showing the system configuration of the first embodiment, FIG. 2 is a block diagram showing the unmanned contract machine, FIG. 3 is a block diagram showing the staff terminal, and FIG. 4 is a block diagram showing the management server. .
[0009]
In FIG. 1, reference numeral 1 denotes an unmanned contract machine as an unattended terminal, which is used in an unmanned corner of an office of a financial institution such as a bank, a post office, or a convenience store (referred to as a financial institution) or an unmanned booth (referred to as a store). It is installed and used by customers to conduct transactions with financial institutions.
Reference numeral 2 denotes a clerk terminal, which is installed in a center such as a financial institution, and is used by a clerk such as a reception person in charge of the financial institution to perform transactions with customers, display customer images, and the like.
[0010]
Reference numeral 3 denotes a management server, which is connected to the staff terminal 2 via a center LAN (Local Area Network) 4 provided in the center, and customer verification information such as transaction information of customers and face images of customers. Etc. are stored.
The clerk terminal 2 is connected to the unmanned contract machine 1 via a center LAN 4, a dedicated line, ISDN (Integrated Service Digital Network), a communication network 5 such as a telephone line, and a store LAN 6 installed in the store. It is configured to allow data communication.
[0011]
In FIG. 2, 11 is an unmanned machine control unit of the unmanned contract machine 1, which is connected to the clerk terminal 2 via the store LAN 6, the communication network 5, and the center LAN 4, and controls each part of the unmanned contract machine 1 to the customer. It executes transactions with and controls data communications.
A drone storage unit 12 stores a program executed by the drone control unit 11, a processing result by the drone control unit 11, and the like.
[0012]
Reference numeral 13 denotes a customer operation unit, which is composed of a combination of a display screen such as a CRT or LCD and a touch panel, etc., and displays a transaction selection screen, various input screens, a screen for prompting customer treatment, etc. Accepts input from customers.
A certificate reading unit 14 has a function of reading a certificate image such as a license or a health insurance card.
[0013]
A form reading / printing unit 15 has a function of reading an image of a form such as an application form or a contract, and a function of printing a copy of the contract.
Reference numeral 16 denotes a passbook issuing unit that creates and issues a passbook to be used for transactions for customers who have opened a new account.
Reference numeral 17 denotes a card issuing unit that creates and issues a card used for a transaction to a customer who has opened a new account.
[0014]
Reference numeral 18 denotes a customer call unit, which is composed of a speaker for notifying a call from a staff member and a handset having a microphone and a speaker for interacting with the staff member.
Reference numeral 19 denotes a camera unit, which is installed in the unmanned contract machine 1 and includes a camera that can capture a customer's face image and the like.
[0015]
In FIG. 3, reference numeral 21 denotes a terminal control unit of the clerk terminal 2, which is connected to the unmanned contract machine 1 via the center LAN 4, the communication network 5, and the store LAN 6, and controls each part of the clerk terminal 2 as well as data communication and the like. Also controls.
A terminal storage unit 22 stores a program executed by the terminal control unit 21, a processing result by the terminal control unit 21, and the like.
[0016]
Reference numeral 23 denotes a display unit, which is provided with a display screen such as a CRT or LCD, and displays a customer's face image transmitted from the unmanned contract machine 1 and a read image of a certificate or a form, and an operation performed by an attendant. It has a function to display a selection screen or the like.
Reference numeral 24 denotes an attendant call unit, which includes a speaker for notifying the connection of communication with the unmanned contract machine 1 and a headset having a microphone and a speaker for allowing the attendant to interact with the customer.
[0017]
Reference numeral 25 denotes an input unit, which is configured by a keyboard, a mouse, and the like, and is operated by a staff member to input necessary items necessary for a selection input or a contract.
In FIG. 4, reference numeral 31 denotes a server control unit of the management server 3, which is connected to the clerk terminal 2 via the center LAN 4, controls various parts of the management server 3, and performs various calculations according to requests from the clerk terminal 2. In addition to execution, it also controls data communication and the like.
[0018]
Reference numeral 32 denotes a server storage device such as a hard disk, a transaction database 33 for storing transaction information storing the results for each procedure stage obtained by dividing a procedure in transactions with a customer, and a customer's face necessary for specifying the customer. A collation database 34 for storing customer collation information such as images and personal information is constructed.
The operation of the above configuration will be described.
[0019]
In the transaction in the unmanned terminal operation system of this embodiment, the transaction procedure is divided into a plurality of stages (each stage is referred to as a procedure stage), and the transaction is performed by sequentially executing the procedure stages.
For example, in the case of opening an account where a customer opens a new account, transactions are divided into a reception stage, an application stage, an identity verification stage, an examination stage, a contract stage, and an issuance stage.
[0020]
In the following, the case of opening an account by the unmanned contract machine 1 according to the present embodiment will be described as an example using the explanatory diagram showing the flow of the contract processing shown in FIG.
The step name indicates S for the unmanned contract machine 1 and SK for the attendant terminal 2.
S1, the unmanned aircraft control unit 11 of the unmanned contract machine 1 presses the “re-transaction” button to be pressed when resuming the transaction after suspending the transaction to a normal transaction selection button such as an “account opening” button or a “loan application” button 6 is displayed on the screen of the customer operation unit 13 and stands by, and the customer selects a transaction from the transaction selection screen and presses the transaction selection button. In this embodiment, the “account opening” button is pressed.
[0021]
S2, the unmanned aerial vehicle control unit 11 that recognizes this by a position signal such as a touch panel connects the communication with the center staff terminal 2, attaches the recognized transaction to the transaction start notification, the store LAN 6, the communication network 5, The data is transmitted to the clerk terminal 2 via the center LAN 4 (hereinafter, mutual data communication between the unmanned contract machine 1 and the clerk terminal 2 is performed in the same manner), and the camera unit 19 takes a picture through the same route. Start sending customer video.
[0022]
The terminal control unit 21 of the clerk terminal 2 that has received the transaction start notification from the SK1 and the unmanned contract machine 1 executes the contract process when the accepted transaction is other than the retransaction (the process in the case of the retransaction will be described later) The customer's video and the started transaction are displayed on the screen of the display unit 23, and the transaction ID (Identification) of the transaction is numbered.
[0023]
S3, the drone control unit 11 that has transmitted the transaction start notification inputs the customer's date of birth, password, telephone number, and personal information such as a secret that the customer identifies himself / herself on the screen of the customer operation unit 13 The personal information input screen is displayed, and the personal information input by the customer is transmitted to the staff terminal 2.
SK2, the terminal control unit 21 that has received the personal information from the unmanned contract machine 1 attaches the received personal information to the numbered transaction ID and transmits it to the management server 3 via the center LAN 4, and the server control unit 31 This is stored in the verification database 34 as customer verification information corresponding to the transaction ID.
[0024]
The reception stage is configured by the above steps S1 to SK2.
S4, the drone control unit 11 that has transmitted the personal information displays the usage guidance on the screen of the customer operation unit 13 because the recognized transaction is an account opening, asks for the customer's consent, and the customer agrees to this .
In S5, the drone control unit 11 that has recognized the customer's consent transmits an agreement notice describing the consent to the staff terminal 2.
[0025]
The terminal control unit 21 that has received the consent notification from the SK 3 and the unmanned contract machine 1 indicates the wording that prompts the customer image acquisition shown in FIG. 7 and the timing of the acquisition while displaying the customer image on the display unit 23. To display a customer image acquisition screen displaying a “confirm” button.
The clerk presses the “confirm” button at the timing when the customer's face can be clearly confirmed while observing the customer's video, and the terminal control unit 21 that detects this presses the customer's video at that time to acquire the customer's facial image To do.
[0026]
S6, the drone control unit 11 that has sent the consent notice displays the application form entry instructions and the application application sending instructions on the screen of the customer operation unit 13, and the customer follows the application with the name and address on the application form. Enter necessary items such as date of birth, age, occupation, telephone number, family structure, etc., and set them in the form reading and printing unit 15.
Upon detecting this, the drone control unit 11 reads the image of the application form by the form reading / printing unit 15 and transmits the read image to the staff terminal 2.
[0027]
SK4, the terminal control unit 21 that has received the read image of the application form displays it on the display unit 23, and the clerk confirms omissions or mistakes in the input by this read image.
When the clerk finds an incomplete entry or the like, the customer call button (not shown) provided on the clerk terminal 2 is pressed, and the drone control unit 11 that has received this signal uses a speaker or the like of the customer call unit 18 to hear a voice or the like. The customer is informed, and the clerk and customer interact with the headset of the clerk call unit 24 and the handset of the customer call unit 18, the clerk points out the omissions and the customer corrects the application, etc. The application form is re-read and transmitted to the staff terminal 2.
[0028]
When a customer makes an inquiry to an attendant about filling in an application form, etc., pressing the unillustrated clerk call button provided on the unmanned contract machine 1 makes it possible to talk and ask questions etc. in the same manner as above. it can.
SK5, the clerk confirms that the necessary items are entered in the application form, and inputs the necessary items entered by the customer through the input unit 25.
[0029]
The terminal control unit 21 attaches the necessary items input in the transaction ID, the read image of the application form, and the customer's face image acquired in step SK3 to the management server 3, and the server control unit 31 transmits the necessary items and the application form. Is stored in the transaction database 33 of the server storage device 32 as transaction information corresponding to the transaction ID, and the face image is stored in the customer verification information of the transaction ID in the verification database 34 of the server storage device 32 based on the transaction ID. Add and store. Thereby, the transaction information consisting of the result of the application stage, the customer collation information consisting of the face image of the customer at the beginning of the transaction and the personal information are stored in the respective databases.
[0030]
The application stage is configured by the above steps S2 to SK5.
The terminal control unit 21 that has finished storing the necessary items of the SK 6 and the application form transmits an application form confirmation notification to the unmanned contract machine 1 that the application form has been confirmed.
S7, The drone control unit 11 that has received the application confirmation notification displays a screen for selecting a certificate type such as a license or a health insurance card used as a certificate on the screen of the customer operation unit 13, and the customer Select the type and press the select button.
[0031]
Upon detecting this, the drone control unit 11 displays a certificate sending procedure on the screen of the customer operation unit 13, and the customer sets the certificate selected in accordance with this on the certificate reading unit 14, and the drone control unit 11 reads the certificate image by the certificate reading unit 14 and transmits the read image to the staff terminal 2.
SK7, the terminal control unit 21 that has received the read image of the certificate displays it on the display unit 23, and the clerk confirms the clearness, the presence / absence of a defect, and the like based on the read image. If there is a defect in the image, the clerk rereads the certificate in the same manner as in step SK4, confirms the clarity of the certificate, and confirms the identity of the face photo of the certificate and the customer's face image. The validity of the certificate is confirmed by, for example, and the fact is input by the input unit 25.
[0032]
SK8, the terminal control unit 21 which has recognized this input attaches the read image of the certificate to the transaction ID and transmits it to the management server 3, and the server control unit 31 transfers the read image of the certificate to the transaction database based on the transaction ID. In addition to the transaction information of the transaction ID 33, it is stored. Thereby, the transaction information to which the result of the identity verification stage is added is stored.
The identity verification stage is configured by the above steps SK6 to SK8.
[0033]
SK9, the terminal control unit 21 having finished storing the read image of the certificate, transmits to the unmanned contract machine 1 as a certificate confirmation notification that the certificate has been confirmed.
In S8, the drone control unit 11 that has received the certificate confirmation notice displays a standby request screen on the screen of the customer operation unit 13 indicating that a time is required for the examination and a message prompting the standby for a while. Prompts the customer to wait for a while.
[0034]
In addition, an interruption selection button for allowing the customer to select the interruption of the transaction may be displayed on the standby request screen, and the transaction may be interrupted by pressing the button. You may make it provide various information to a customer by displaying the product guidance etc. of a new product.
In parallel with the transmission of the SK 10 and certificate confirmation notification to the unmanned contract machine 1, the terminal control unit 21 examines the application form, the read image of the certificate, and the necessary information for opening the account, such as the input necessary information. The request is transmitted to a host computer (not shown).
[0035]
Upon receiving the examination request, the host computer and the examination department examine the customer's transaction qualification and the like, and when the examination is completed, the examination result such as the transaction limit is transmitted to the staff terminal 2.
Upon receiving the SK11 and the examination result, the terminal control unit 21 displays the contents on the display unit 23, and the clerk inputs and confirms the transaction limit amount or the like through the input unit 25 based on this. Recognizing this input, the terminal control unit 21 attaches the examination result to the transaction ID and transmits it to the management server 3, and the server control unit 31 sends the examination result to the transaction information of the transaction ID in the transaction database 33 based on the transaction ID. Add to and store. Thereby, the transaction information to which the result of the examination stage is added is stored.
[0036]
The examination stage is constituted by the above steps SK9 to SK11.
The terminal control unit 21 that has finished storing the SK 12 and the examination result transmits a transaction permission notice with the input transaction limit amount to the unmanned contract machine 1.
In S9, the drone control unit 11 that has received the transaction permission notification displays on the screen of the customer operation unit 13 that the examination has been completed, the transaction limit, etc., and the customer confirms the contents and performs a confirmation operation.
[0037]
In addition, when the result of the examination is not possible, the fact is notified, and the drone control unit 11 displays the fact on the screen of the customer operation unit 13 to notify the customer and disconnects the communication and ends the contract processing. Return to step S1, display a transaction selection screen, and wait.
S10, the drone control unit 11 that has detected that the customer has confirmed the transaction limit amount, etc., displays on the screen of the customer operation unit 13 the entry procedure of the contract and the sending procedure of the contract after the completion, In accordance with this, the customer enters and seals the name, address, etc. in the contract and sets it in the form reading and printing unit 15.
[0038]
Upon detecting this, the drone control unit 11 reads the image of the contract by the form reading / printing unit 15 and transmits the read image to the staff terminal 2.
SK13, the terminal control unit 21 that has received the read image of the contract, displays it on the display unit 23, and the clerk confirms omissions, entry errors, etc. by this read image. If the image is incomplete, the clerk performs re-reading of the certificate in the same manner as in step SK4, confirms the signature or seal of the contract, and inputs that fact through the input unit 25.
[0039]
SK14, the terminal control unit 21 that has recognized this input attaches the read image of the contract to the transaction ID and transmits it to the management server 3, and the server control unit 31 transfers the read image of the contract to the transaction database based on the transaction ID. In addition to the transaction information of the transaction ID 33, it is stored. As a result, the result of the contract stage is added to the transaction information, and transaction information storing the results of all procedures is obtained.
[0040]
In this case, the customer's face image acquired in step SK3 may be added to the transaction information and stored.
The contract stage is constituted by the above steps SK12 to SK14.
SK15, the terminal control unit 21 having finished storing the read image of the certificate, transmits to the unmanned contract machine 1 as a contract confirmation notification that the confirmation of the contract has been completed.
[0041]
In S11, the drone control unit 11 that has received the contract confirmation notification stores the contract set in the certificate reading unit 14 in the unmanned contractor 1, and reads the read image of the contract into the form reading and printing unit 15 To print out a copy of the contract.
In parallel with S12, the drone control unit 11 creates and issues a passbook and a card used by the customer by the passbook issuing unit 16 and the card issuing unit 17.
[0042]
S13, the drone control unit 11 confirms that the customer has received a copy of the contract, the passbook, and the card, disconnects the communication, returns to step S1, and displays the transaction selection screen on the screen of the customer operation unit 13. And wait.
The issuing stage is constituted by the above steps SK15 to S13.
In this way, after the transaction is interrupted due to an unexpected situation such as a failure of the communication network 5 while the account opening contract process is being performed, the customer selects “Re-transaction” from the transaction selection screen shown in FIG. The operation of transaction resumption processing of the clerk terminal 2 when the transaction is resumed by pressing the "" button will be described according to the steps indicated by SA using the flowchart shown in FIG.
[0043]
In the present embodiment, an example will be described in which the transaction is interrupted in the identity verification stage, that is, steps SK6 to SK8.
The unmanned aircraft control unit 11 of the unmanned contract machine 1 connects the communication with the clerk terminal 2 in the same manner as in the above step S2, and sends a transaction start notification attached with the recognized transaction (retransaction in this embodiment) to the clerk terminal 2 When the recognized transaction is a re-transaction, it waits for the notification from the staff terminal while transmitting the customer's video.
[0044]
SA1, the terminal control unit 21 of the clerk terminal 2 that has received the transaction start notification displays the customer's video on the screen of the display unit 23, and the transaction resumption process described below is performed by interrupt processing when the accepted transaction is a re-transaction. Execute.
SA2, the terminal control unit 21 acquires personal information for identifying the customer who has resumed the transaction.
[0045]
That is, the terminal control unit 21 includes a personal information selection button that displays the type of personal information stored in step SK2 such as a “password” button and a “birth date” button, and a “confirm” button for confirming the selection. The displayed personal information selection screen shown in FIG. 9 is displayed on the screen of the display unit 23.
The clerk selects the type of personal information to be input by the customer, presses the selection button with the mouse or the like of the input unit 25, and presses the “confirm” button. In this embodiment, the attendant presses the “birth date” button.
[0046]
Recognizing that the date of birth is selected as the personal information to be input by the customer, the terminal control unit 21 transmits a personal information acquisition request attached to that fact to the unmanned contract machine 1.
Upon receiving the personal information acquisition request, the drone control unit 11 displays the resume personal information input screen on the screen of the customer operation unit 13.
In this embodiment, since the date of birth is selected as personal information to be input by the customer, the wording prompting the input of the date of birth shown in FIG. 10 and the input field of the date of birth and the numeric keypad for the input In addition, a resume personal information input screen displaying a “confirm” button for confirming the input is displayed.
[0047]
The customer inputs the date of birth from the personal information input screen at the time of resumption and presses the “confirm” button, and the drone control unit 11 detecting this transmits the input date of birth to the staff terminal 2. The terminal control unit 21 receives this and acquires personal information selected by the staff.
SA3, the terminal control unit 21 that acquired the personal information displays the customer image acquisition screen shown in FIG. 7 on the display unit 23 in the same manner as in step SK3, and resumes the customer when the clerk presses the “confirm” button. Get the face image of the hour.
[0048]
SA4, the terminal control unit 21 that has acquired the personal information (birth date) input at the time of restart and the face image at the time of restart performs verification of the acquired data.
That is, the terminal control unit 21 transmits the acquired data to the management server 3, and the server control unit 31 searches the matching database 34 based on the received personal information (date of birth) and extracts the corresponding customer matching information. Then, the face image at the beginning (before interruption) of the transaction is compared with the face image outline and a predetermined part at the time of resumption, and the face image is collated, and the transaction ID is attached to the collation result and transmitted to the attendant terminal 2 To do.
[0049]
In step SA5, the terminal control unit 21 that has received the collation result proceeds to step SA7 if the collation results match, and to step SA6 if they do not match.
SA6, Recognizing that the matching result is inconsistent, the terminal control unit 21 creates a new transaction notification that the transaction is started from the beginning because the customer who pressed the “re-transaction” button is not the customer before the interruption, This is transmitted to the unmanned contract machine 1 and the fact is displayed on the screen of the display unit 23 to notify the clerk, the transaction resumption process is terminated, the contract process is terminated, and the transaction start notification is waited at step SK1. To do.
[0050]
On the other hand, the drone control unit 11 waiting for the notification from the clerk terminal 2 recognizes that the customer who pressed the “re-transaction” button by receiving the new transaction notification is not the customer before the interruption. The fact is displayed on the screen of the customer operation unit 13 to notify the customer, the confirmation operation of the customer is detected, the process returns to step S1, the transaction selection screen is displayed, and a new transaction with the customer is started. .
[0051]
The subsequent operation is the same as the above-described contract processing operation.
SA7, recognizing that the collation result is the same, the terminal control unit 21 identifies the customer as the customer before the interruption, and determines the procedure stage to resume in order to resume the suspended transaction.
That is, the terminal control unit 21 transmits the transaction ID attached to the verification result to the management server 3, and the server control unit 31 searches the transaction database 33 based on the received transaction ID and extracts the corresponding transaction information. The last stored information is read to check the procedure stage before the interruption, and the procedure stage to be resumed is determined.
[0052]
In this embodiment, since the transaction is interrupted at the identity verification stage, the image of the application form is stored at the end of the corresponding transaction information, and the server control unit 31 thereby makes the procedure stage before the interruption the application stage. The procedure stage to be restarted after confirming that is determined as the identity verification stage, and the determination result is transmitted to the staff terminal 2.
In step SA8, the terminal control unit 21 that has received the determination result recognizes the step to be resumed, creates a resumption procedure notification that describes the resumption procedure stage, transmits it to the unmanned contract machine 1, and displays that fact. The information is displayed on the screen of the unit 23 and notified to the staff, the transaction resumption process is terminated, the contract process is restored, and the process proceeds to the step of resuming.
[0053]
In this embodiment, since the procedure stage to be resumed is the identity confirmation stage, the terminal control unit 21 returns to the contract processing step SK6 and transmits an application form confirmation notification to the unmanned contract machine 1.
On the other hand, the unmanned aerial vehicle control unit 11 waiting for the notification from the clerk terminal 2 recognizes that the transaction is resumed by receiving the resumption procedure notification, and displays that on the screen of the customer operation unit 13. To the customer, proceed to the first step of the procedure stage (step S7 in this embodiment), wait for the notification (application form confirmation notification) from the clerk terminal 2, and receive the notification Occasionally resume transactions with customers from that procedural stage.
[0054]
The subsequent operation is the same as the above-described contract processing operation.
As described above, in this embodiment, every time a procedure stage of a divided transaction is completed, the result of the procedure stage is stored in the transaction information, so that the transaction is interrupted due to an unexpected situation or the like. Even in such a case, the procedure from the procedural stage of the suspended transaction can be easily resumed when the subsequent transaction is resumed.
[0055]
In addition, when the transaction is resumed, the customer's face image and personal information are acquired, and these are compared with the customer's face image and personal information before suspension to identify the customer who resumed the transaction. It is possible to confirm the identity of the customer before the interruption and after the restart.
Furthermore, since the clerk selects personal information to be input by the customer, the accuracy of the customer identity confirmation can be improved.
[0056]
In the above embodiment, the management server has been described as collating face images and the like. However, transaction information and customer collation information are stored in the management server, and the staff terminal acquires these information from the management server. Thus, the same effect as described above can be obtained even when collating face images or the like.
In addition, it has been described that the interrupted procedure stage is the identity verification stage. However, if it is a procedure stage after step SK5 in which the personal information and customer verification information of the face image are stored at the application stage, the same as above. Trading can be resumed.
[0057]
Second embodiment
FIG. 11 is a flowchart showing transaction resumption processing of the second embodiment.
The configuration of the unmanned terminal operation system of this embodiment is the same as that of FIG. 1 shown in the first embodiment, and the configurations of the unmanned contract machine 1, the clerk terminal 2, and the management server 3 are also shown in FIGS. Since the configuration is similar to that shown, the description thereof is omitted.
[0058]
The operation of the present embodiment will be described.
In this embodiment, as in the first embodiment, there is an interruption of the transaction due to an unexpected situation during the account opening contract process (identification confirmation stage), and then the customer selects the transaction shown in FIG. The operation of the transaction resumption process of the clerk terminal 2 when the transaction is resumed by pressing the “re-transaction” button from the screen will be described according to the steps indicated by SB using the flowchart shown in FIG.
[0059]
In the contract processing of this embodiment, the input and storage of the customer's personal information in steps S3 and SK2 are omitted. Instead, the customer's name, address, date of birth, Necessary items such as age, occupation, telephone number and family structure are stored in the verification database 34 as customer verification information corresponding to the transaction ID together with the face image in step SK5 as personal information of the customer.
[0060]
Since the operation of step SB1 of the present embodiment is the same as the operation of step SA1 of the first embodiment, description thereof will be omitted.
SB2, the terminal control unit 21 acquires personal information for confirming the customer who has resumed the transaction.
That is, the terminal control unit 21 displays the personal information selection screen shown in FIG. On this personal information selection screen, a display field for displaying the type of the selected personal information and a pull-down menu for displaying the type of personal information such as age, occupation, date of birth, telephone number, family structure and the selection are confirmed. A “Confirm” button is displayed.
[0061]
The attendant displays a pull-down menu with the mouse of the input unit 25, selects the type of personal information to be input by the customer, and presses the “Confirm” button. In this embodiment, the clerk selects “birth date”.
Recognizing this, the terminal control unit 21 transmits a personal information acquisition request attached to that effect to the unmanned contract machine 1 in the same manner as in step SA2 of the first embodiment. The resume personal information input screen shown in FIG. 10 is displayed on the screen and the date of birth input is transmitted to the attendant terminal 2, and the terminal control unit 21 receives this and acquires the personal information selected by the attendant. .
[0062]
Subsequent operations of Steps SB3 to SB8 are the same as the operations of Steps SA3 to SA8 of the first embodiment, and thus description thereof is omitted.
As described above, in this embodiment, in addition to the effects of the first embodiment, by omitting the input of personal information in normal transactions, transactions such as opening an account can be performed in the same transaction time as normal. It can be carried out.
[0063]
In each of the above embodiments, the case of opening an account in an unmanned contract machine has been described as an example, but the same applies to other transactions such as loan application.
In addition, although the unmanned terminal was described as an unmanned contract machine, the unattended terminal is not limited to an unmanned contract machine, but in the unattended terminal for banking business, insurance business, credit business, product purchase, etc. The same effect as that of the present invention can be obtained by using any unmanned terminal as long as it can input information and the like.
[0064]
Further, a cash handling device such as a banknote depositing / dispensing machine may be provided in the unmanned terminal so that cash deposit / withdrawal transactions can be performed.
[0065]
【The invention's effect】
As described above, the present invention divides a transaction into a plurality of procedural steps and stores the result of the procedural step in the transaction information every time one procedural step is completed. Even when the transaction is interrupted due to the above or the like, it is possible to easily restart the procedure from the procedure stage of the interrupted transaction when the subsequent transaction is resumed.
[Brief description of the drawings]
FIG. 1 is a block diagram showing a system configuration of a first embodiment.
FIG. 2 is a block diagram showing the unmanned contract machine according to the first embodiment.
FIG. 3 is a block diagram showing a staff terminal according to the first embodiment.
FIG. 4 is a block diagram illustrating a management server according to the first embodiment.
FIG. 5 is an explanatory diagram showing a flow of contract processing according to the first embodiment.
FIG. 6 is a transaction selection screen display example of the first embodiment.
FIG. 7 is a customer image acquisition screen display example of the first embodiment.
FIG. 8 is a flowchart showing transaction resumption processing of the first embodiment.
FIG. 9 shows a personal information selection screen display example of the first embodiment.
FIG. 10 is a display example of a personal information input screen when resuming in the first embodiment.
FIG. 11 is a flowchart showing transaction resumption processing of the second embodiment.
FIG. 12 is a display example of a personal information selection screen according to the second embodiment.
[Explanation of symbols]
1 Unmanned contract machine
2 staff terminal
3 Management server
4 Center LAN
5 Communication network
6 store LAN
11 drone control unit
12 drone storage
13 Customer Operation Department
14 Certificate reader
15 Form reading and printing section
16 Passbook issuing department
17 Card issuing department
18 Customer call department
19 Camera section
21 Terminal control unit
22 Terminal storage
23 Display
24 Staff call department
25 Input section
31 Server controller
32 Server storage device
33 Transaction Database
34 collation database

Claims (4)

In an unmanned terminal operation system that connects a clerk terminal operated by a clerk installed in a center such as a financial institution and an unmanned terminal operated by a customer installed in a store and performs transactions by communication,
An unmanned terminal operation system characterized in that a transaction is divided into a plurality of procedure stages, and the result of each procedure stage is stored in the transaction information each time one procedure stage is completed. In claim 1,
The customer's face image and personal information are acquired at the beginning of the transaction, and the customer's face image and personal information are acquired when the transaction is resumed after the transaction is suspended. An unattended terminal operation system characterized in that personal information is collated and the transaction is resumed from the procedural stage that was interrupted when the collation results matched. In claim 2,
An unmanned terminal operating system that allows a customer to input personal information of a customer selected by an attendant when the transaction is resumed. In the terminal control unit of the clerk terminal operated by the clerk installed in the center connected to the unmanned terminal operated by the customer installed in a store such as a financial institution,
A transaction information storage step for storing the result of the procedure stage as transaction information each time one procedure stage is completed;
A customer verification information storage step for storing customer face images and personal information as customer verification information;
A personal information selection accepting step for accepting selection of a personal information worker to be input by the customer when the transaction is resumed after the transaction is interrupted;
A post-resumption facial image acquisition step of acquiring the customer's facial image after resumption;
A customer verification step after resuming that the personal information input to the customer and the face image of the customer after resumption are collated with the customer verification information;
A program for an unmanned terminal operation system, wherein when the matching result matches, an interrupted transaction resuming step of resuming a transaction from the interrupted procedure stage is executed.

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