JPH0664579B2 - Voucher image processing system - Google Patents

Description

Description: BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a slip image processing system, and in particular, it saves labor in consideration of the regularity of business processing of financial institutions, for example, slip processing by tellers of banks. The present invention relates to a slip image processing system capable of processing.

[Background of the Invention]

Conventionally, as an automatic transaction system for automating a bank teller transaction, for example, one described in Japanese Patent Publication No. 59-41223 is known. According to the system described above, after the user fills in the slip, the teller checks the slip, sends the filled data to the center, and updates the file.The teller monitors the slip filling operation by the user. It is only necessary to check the displayed contents and press the confirmation button to input the confirmation operation.

However, in the above system, what point and what point the teller checks in the transaction business and presses the confirmation key,
There is also a problem that it is unclear whether the type is fixed by the user specifying the type of transaction, and the correlation between the processing procedure of the bank transaction business and the system is not clear.

Also, the slip writer needs to fill in many items, which is a burden. Further, it is necessary to prepare the data for displaying the check monitor for the slip entry operation for each transaction work, that is, for each slip type, resulting in a huge amount of data.

By the way, as processing items for slips used in banks, there are stamp processing, seal matching, article column and backside processing, and it is clear here that even in a 6-sheet slip, the same items are 2-3 The page is covered, and the items necessary for the teller to process the business are several items such as the account number and the amount of money, and the slip processing may or may not require the seal matching. , There is regularity in the work content.

[Object of the Invention]

The object of the present invention is to improve such conventional problems, reduce the number of entries by the user of the slip, and reduce the operation of the teller to save labor and reduce erroneous input, thereby reducing the number of transactions. An object is to provide a slip image processing system capable of improving processing efficiency.

[Outline of Invention]

In order to achieve the above-mentioned object, the slip processing system of the present invention is equipped with an image reader that reads, as coded data, the entered contents of the slip in which the requested contents of each business process related to financial transactions are written, and refer to the slip. Then, according to the processing procedure corresponding to the business processing requested by this slip, the operator operates the input device while viewing the screen of the display device, and in the slip processing system for performing business processing based on the input data, By two-dimensionally arranging the type of each business process and all the processing items required in each processing procedure of each business process, and setting bit information at the intersection point of each business process type and each process item. , A business processing table that represents processing items required for each business processing, and a business dictionary that stores in advance a corresponding processing procedure for each business processing type, Read with an image reader from a slip that has entry items for the type of business process requested, in addition to the minimum required items common to many business processes such as attachment, account number, name, amount and seal The business dictionary is searched using the type of business processing as a key, the corresponding processing procedure is selected, and the screen for guiding the operator to perform the input operation corresponding to the selected processing procedure is edited and displayed on the display device. However, a control device for performing business processing based on the data input by the operator through the input device according to the guide screen and the data of each item of the slip read by the image reader is provided.

As described above, by creating the business dictionary by utilizing the regularity of the slip processing in the financial transaction business, in the present invention, it is possible to reduce the entry items of the slip and the size of the business dictionary itself. It will be possible.

Example of Invention

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

FIG. 1 is a block diagram of a slip image processing system showing an embodiment of the present invention.

In FIG. 1, 1 is various kinds of slips, 2 is an image reader unit for reading slip processing items, and 3 is a compound device as a control device of the present invention which is equipped with a microprocessor and performs slip data processing and seal matching processing. Terminal processors, 4 are installed in the processor 3, a business dictionary file that uses the regularity of slip processing, 5 is a business processing program that executes processing for each transaction content, 6 is an electronic slip elementary data file, and 7 is business A guidance file, 8 is a display device, 81 is a display control device, 9 is a keyboard device, 10 is an auxiliary terminal device such as a bookkeeping device, 11 is a LAN (Loc
al Area Network) system, 12 a distributed processor system, 13 a data processing program file, 14
Is a seal imprint file, 15 is a microprocessor of a terminal, 16 is a display device, 17 is a keyboard device,
Reference numeral 18 is a line connection mechanism on the distributed processor side, 18a is a line connection mechanism on the host side, 19 is a host central processing unit (described as "host" in the figure), 20 is an electronic slip file, 21
Is a ledger file and 22 is a customer information file.

In FIG. 1, each branch terminal of a bank is connected by a LAN system, and the processing result of the branch multi-terminal processor 3 is sent to the host central processing unit 19 of the center by a line via the distributed processor system 12 of the LAN. Then, the respective files 20, 21, 22 are updated and returned to the original composite terminal processor 3. In the compound terminal of each bank, the user does not have to enter all the voucher items as in the conventional voucher processing, but only the basic items such as the account number are entered, and the compound terminal processor 3 After completing the access to the system and the identity verification processing, based on the business dictionary 4 that utilizes the regularity of slip processing, the teller business processing guidance is automatically presented, and the teller deals according to the guidance. Improve the system processing efficiency of banking business by processing the data. As described above, in the present invention, the work dictionary 4 that utilizes the regularity of the slip processing is utilized to accumulate the knowledge of the teller business, and the slip processing items are compressed to cut out the image reader unit 2, etc. The load of terminal processing can be reduced.

In the teller composite terminal shown in FIG. 1, first, the slip 1 entered by the user is read by the image reader unit 2, and the electronic dictionary creation and the customer information file are made by the judgment of the work dictionary 4 according to the contents of the slip processing item. 22 is referred to.
These processes are executed by the composite terminal processor 3 with reference to the business processing program 5, the electronic slip element data file 6 and the business guidance file 7, and the business guidance is displayed on the display device 8. Then, while seeing the displayed work guidance screen, the teller operates the keyboard 9 to perform transmission to the center. The composite terminal processor 3 performs slip data processing, the distributed processor 12 performs seal matching processing, and the LAN system 11 uses the teller composite terminal to refer to the customer information file 22, ledger file 21, and electronic slip file 20. , Used to send and receive over communication lines.
The host central processing unit 19 performs daily work processing, and also performs processing for a file access request from the teller composite terminal when the file is requested. The microprocessor 15, display device 16, and keyboard device 17 of the officer terminal are provided for the officer to perform conversation processing with the teller when a check approval request is issued from the teller composite terminal.

Next, the slip processing of the ordinary deposit / new application form will be described.

FIG. 2 is a diagram showing an example of a slip format.

When a slip having such a format is sucked into the image reader unit 2 of the teller composite terminal shown in FIG. 1, the slip classification ID 24 number "321" is read. The business dictionary 4 is searched using the deciphered slip classification ID 24 “321” as a key, and the address of the business processing table in which the slip classification ID 24 “321” is stored is extracted.

FIG. 3 is an explanatory diagram of the contents of the business dictionary of FIG.

As shown in FIG. 3, the structure of the business dictionary 30 is composed of a business processing table 31 in which information is stored for each processing classification such as storage address, slip classification ID, code processing item ... . This business processing table 31
Is classified by the slip classification ID 24, the processing procedure is predetermined for each transaction content, and the information encoded in “1” and “0” for controlling the operation of the information processing system according to the procedure is stored in the ROM. Has been done. The meaning of the coded “1” on the information processing system is to instruct the processing system of the item, and the meaning of “0” is to not process the item. The horizontal axis of the business dictionary 30 serves as a business processing table 31, which is classified into, for example, business of a new application form for ordinary deposits. Further, the vertical axis is divided into processing such as personal identification, balance confirmation, and bookkeeping processing.

The relevant applicable business process table 31 is sorted into the following seven types of information by the item classification mark and the item end mark that classify the processing information of the table.

In the personal identification information, the item division mark of the code processing item 35 is divided by “(” and the item end mark is divided by “)”. In the case of FIG. 3, ordinary deposit / new application 23
Since the codes are all “0”, there is no processing item and the principal confirmation processing screen is not edited.

Transaction approval / disapproval determination information is represented by "<" and ">", respectively.
Be divided.

The seal collation processing information is represented by "[" and "]", respectively.
Be divided.

The guidance processing information is classified by "#" and "%".

The bookkeeping process information is classified by "+" and "-".

The print approval processing information is classified by "?" And "/".

The stamp processing information is classified by "&" and "@".

The composite terminal processor 3 searches the business dictionary 4 by reading the slip classification ID 24, and judges the code information “1” and “0” of the business processing table 31. As a result, the new application form 23 for the ordinary deposit at this point is obtained. It means that the slip processing items of are automatically determined.

In the conventional system, the teller judges what to do by looking at the user's entry slip, and performs the key input operation such as the business transaction form key and the subject key on the teller terminal machine. In the system, all such key input operations are unnecessary, and by issuing instructions from the work dictionary 30 in the order of operation, the information processing system can be automatically operated and these checks can be performed. Next, the image reader unit 2 sets 1 in the business process table 31.
"*" Of the transaction end mark 42 indicating the end of the transaction
Is read, the account number 26 of the slip shown in FIG. 2 is read.

At this time, the personal identification information that has already been distributed is determined by the composite terminal processor 3, and the business dictionary 30 determines that the personal identification, transaction approval / disapproval determination, and seal matching processing are unnecessary for this slip, and the display device of the teller composite terminal is displayed. In FIG. 8, only guidance items such as the address, postal code, and telephone number of the guidance processing item 38 are displayed, and data is created by the dialogue between the user and the teller.

Next, at the same time that the image reader unit 2 reads the amount 29, on the processing screen of the display device 8 of the teller,
The amount of money read by the image reader unit 2 is displayed. By checking the amount displayed on the screen, and if this is all right, by pressing the stamp key, etc., the electronic voucher for one transaction just created on the display device 16 of the officer terminal via the LAN 11 will be displayed. The contents are displayed.

When the approval of the officer is obtained, a message to that effect is displayed on the display device 8 of the teller composite terminal via the LAN 11. The teller stores the data of the electronic slip for one transaction in the electronic slip data file 6 by pressing the completion key or the like.

At this time, when creating slip data, the teller does not need to press the enter key one by one for data transmission, unlike the conventional case, and the key input operation is saved. Also,
The load on the distributed processor 12 for determining this data transmission is also reduced.

If the electronic slip raw data file 6 is a flexible disk device or the like, it can be transported to the head office by a bank car after the work is completed, and the data stored in the electronic slip raw data file 6 can be transferred at night. An electronic slip can also be created by transferring it to the host central processing unit via the LAN 11.

As shown in FIG. 2, the user, that is, the customer, only needs to enter the date, the account number, the name (katakana) and the amount of money, and the procedure for pressing the seal stamp. As described above, it is not necessary to fill many items on the slip, and the labor of the filling operation can be reduced. Further, since the teller operates the key of the transaction data according to the procedure of the guidance screen, the rate of erroneous input is reduced. Further, since the transaction data is input after the identity verification is surely performed, the teller does not need to perform the key operation of the transaction processing for canceling or correcting the transaction, which enables labor saving.
Also, the conventional system requires the following key operations based on the transaction data of the teller. That is, (a) initial set at the start of transaction input, (b) transaction mode and item selection operation, (c) guide number transmission request operation, (d)
These are operations for inputting numerical values for screen selection, and (e) operation of function keys for screen switching.

However, in the system of the present embodiment, since the key operation guidance items in the transaction processing of the teller corresponding to the transaction form are aggregated into one transaction unit, the teller can perform only limited operations such as the confirmation key or the correction key. It is good and labor saving is possible.

Further, in the conventional voucher processing, the judgment of new, update and cancellation is made by looking at the voucher presented by the customer, but in the system of the present embodiment, the voucher pressure ID is read by the image reader. As a result, the system automatically edits the processing guidance screen and displays it on the display device, so that the teller can perform business processing without performing various procedures. Furthermore, when creating voucher data, it is not necessary to issue transmission requests to the distributed processors one by one, and the electronic voucher data is created by closing the teller compound terminal, improving system processing efficiency and distributing The load on the processor is reduced. Further, in this embodiment,
Since the data is created under the confirmation between the customer and the teller, O
Data confirmation work by reading CR etc. is greatly reduced. Further, since the slip processing items are compressed, there is no need to perform cutting out at the time of data reading by an image reader or the like, or compression processing such as data transfer, so that the buffer capacity for data processing is greatly reduced.

FIG. 4 is a block diagram of a slip image processing system showing another embodiment of the present invention.

FIG. 4 shows the processing inside the terminal at one branch. Reference numeral 51 is various slips, 52 is a composite terminal processor (indicated as "microprocessor" in the figure) that includes a microprocessor and performs slip data processing as a control device of the present invention, and 53 is an image for reading the slip 51. Reader unit (indicated as "image reader" in the figure),
Reference numeral 54 is a business dictionary, 55 is an electronic slip file, 56 is a guidance file, 57 is a display device, 58 is a data input device, 59 is a slip or passbook entry machine, and 60 is a cash processing machine.

First, when various kinds of slips 51 are read by the image reader unit 53 and input to the composite terminal processor 52, the composite terminal processor 52 uses the business dictionary 54 in which a processing procedure is determined for each transaction business according to the read content, and guidance is provided. The guidance items are read from the file 56 and displayed on the display device 57. An electronic slip is created in the data input device 58 according to the guidance displayed on the screen of the display device 57. The voucher or passbook entry machine 59 performs voucher printing and entry processing, while the cash processing machine 60 pays and accepts cash.

FIG. 5 is a format diagram of the ordinary deposit deposit slip used in FIG.

Now, when the ordinary deposit deposit slip shown in FIG. 5 is input to the image reader unit 53, the slip classification ID 62 number "12" is entered.
3 ”is lead. When the read contents of the slip classification ID 62 are transferred to the composite terminal processor 52, the composite terminal processor 52 searches the business processing table 31 of the business dictionary 54 shown in FIG. 3 based on “123” of the slip classification ID 62. To do. By this search, it becomes unnecessary to press the form key, the subject key, or the fund key, which is required in the conventional business transaction. After that, the date, the account number, the name, and the amount are sequentially read from the deposit slip by the image reader unit 53,
Deposit processing is performed according to the business dictionary 54.

FIG. 6 is a comparison diagram of the operation by the business dictionary of the present invention and the operation by the conventional teller.

In the conventional operation of FIG. 6 (A), the deposit key is added to the form 81,
Deposit type selection key (normal) for account 82, account number 84
Since the 7-digit (1234567) number key, the enter key for the transmission request 85, and the completion key for the completion 36 are sequentially pressed, the teller requires a total of 11 key operations.

On the other hand, in the operation of this embodiment using the business dictionary of FIG. 6 (B), only the completion key needs to be pressed. Fig. 6 (B)
Then, all the operations of the shaded part are performed automatically. That is, FIG. 6 (B)-(a) is a processing portion for eliminating the operation of each key of the business transaction designation key, the subject, and the fund, and the image reader unit 53 has the slip classification ID 62 "123". Is read and the business processing table 31 of the business dictionary 54 is searched to determine that the processing is ordinary deposit / payment processing. As a result, the deposit key of the form 81 and the deposit type key of the subject 82 are unnecessary, and the input operation is saved. FIG. 6 (B)-(b) is a processing portion for eliminating the input operation of the 7-digit ten-key of [1234567] of the account number 84, which is performed by reading the account number by the image reader unit 53. It is automatically read. Finally, FIGS. 6 (B)-(c) are the processing portions for eliminating the operation of the enter key of the transmission 85, which are “1” and “1” for one transaction in the business processing table 31 of the business dictionary 54. By reading the last transaction end mark (*) 42 that has been subjected to the code processing of 0 ", 1 is added to the electronic slip file 55 shown in FIG.
Temporarily stores data for transactions. This eliminates the need to send a transmission request signal to a distributed processor or the like one by one as in the conventional case.

After the account number 64 is read by the image reader 53 on the deposit slip shown in FIG. 5, the name 65 is read next, and the customer information file (not shown) is already referred to on the processing screen of the display device 57. Perform a comparison check with the displayed name to verify your identity. The next seal stamp collation process of the delivery stamp 66 is not executed in this case. That is, referring to the contents of the business dictionary 54 shown in FIG. 3, both the seal stamp collation process item 37 and the account seal stamp collation code are “0”.

Next, from the deposit slip, the amount of money 6
Read 7. The operation of the information processing system is instructed according to the contents of the transaction condition processing item 36 of the business dictionary 54.

In this way, by determining the code information of “1” and “0” in the business process table 31 corresponding to the slip classification ID 33 of the business dictionary 54, the customer list of the customer inspection in the code process item 35 is checked. The contents are displayed on the processing screen of the display device 57, and the personal identification processing and the like are executed. In the business table 31, the processing procedure is “1” according to the business transaction.
Since the system operation procedure of the teller compound terminal device is instructed by the code information of “0” and “0”, the screen of the corresponding business transaction can be edited according to the processing content by this operation procedure instruction.

The determination method is to use the display device 57 as a processing screen for personal identification of a processing item sandwiched between the item classification mark “(” and the item end mark “)” in the processing content of the code processing item 35 of the business dictionary 54. Then do. Similarly, the transaction condition processing item 36, the seal stamp matching processing item 37,
With respect to the guidance processing items 38, etc., each processing screen is edited according to the contents sandwiched between the different item division marks and item end marks.

As a result, the guide number transmission request operation, the screen number input operation, the screen page change operation, etc., which have been conventionally performed by the key input operation of the teller, etc. are unnecessary. Similarly, other bookkeeping processing, certification printing, stamping processing, etc. are also decoded by the composite terminal processor 52 and the processing procedure is automated, so that the key input operation of the teller business transaction is greatly saved.

〔The invention's effect〕

As described above, according to the present invention, a business dictionary that utilizes the regularity of slip processing is utilized to make the teller business an integrated knowledge, and the slip processing items are compressed and a terminal such as an image reader cutout is compressed. Since it reduces the processing load,
It is possible to reduce the number of key operations on the teller, reduce the number of customer entries, reduce erroneous input, and improve the system processing efficiency of banking operations.

[Brief description of drawings]

FIG. 1 is a block diagram of a slip image processing system showing an embodiment of the present invention, FIG. 2 is an example of a slip format used in the system of FIG. 1, and FIG. 3 is used in the system of FIG. FIG. 4 is a diagram showing the contents of a business dictionary, FIG. 4 is a block diagram of a slip image processing system showing another embodiment of the present invention, FIG. 5 is a diagram of a slip format, and FIG. 6 is the present invention and conventional key operation or automatic operation. It is a comparison diagram of processing. 1,51 …… Voucher, 2,53 …… Image reader section,
3, 52 ... Composite terminal processor, 4, 54 ... Business dictionary, 7, 56 ... Guidance file, 20, 55 ...
Electronic slip file, 6 ... Data file, 5 ... Business processing program, 8, 16, 57 ... Display device, 9, 17, 58 ... Data input device (keyboard), 11 ... LAN, 12 ... Distributed Processor, 59
…… Voucher or passbook entry machine, 60 …… Cash processing machine, 1
8, 18a ... Line connection device, 19 ... Host central processing unit, 21 ... Ledger file, 22 ... Customer information file.

Claims (1)

[Claims] 1. An image reader for reading the entry contents of a slip in which the requested contents of each business process relating to financial transactions are written as coded data. According to the processing procedure corresponding to the business process requested by the slip, in the slip processing system that performs the business process based on the data input by operating the input device while looking at the screen of the display device, the type of each business process and , All processing items required in each processing procedure of each business processing are two-dimensionally arrayed, and bit information is set at an intersection position between each business processing type and each processing item,
A business processing table that represents processing items required for each business processing, and a business dictionary that stores the corresponding processing procedure in advance for each business processing type,
In addition to the minimum required items common to many of the above-mentioned business processes such as date, account number, name, amount of money, and imprint, etc. Using the read type of the business process as a key, the business dictionary is searched to select the corresponding process procedure, and the screen for guiding the input operation to be performed by the operator is edited corresponding to the selected process procedure. Based on the data input by the operator through the input device in accordance with the guide screen and the data of each item of the slip read by the image reader,
A slip image processing system, comprising: a control device for performing the business process.