CN103208155A - Teller supporting counter reception system and counter processing method - Google Patents
Teller supporting counter reception system and counter processing method Download PDFInfo
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- CN103208155A CN103208155A CN2013100180071A CN201310018007A CN103208155A CN 103208155 A CN103208155 A CN 103208155A CN 2013100180071 A CN2013100180071 A CN 2013100180071A CN 201310018007 A CN201310018007 A CN 201310018007A CN 103208155 A CN103208155 A CN 103208155A
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Abstract
The invention provides a teller supporting counter reception system and a counter processing method. The teller supporting counter reception system can provide highly efficient support for clients and reduce loads of financial mechanisms with respect to payment of taxes, public charges and other costs. A business shop system has a counter reception terminal which is connected with a shop server and has a service desk terminal for tellers and a counter reception terminal for clients which are mutually connected, a reader of a money payment medium and a self-service scanner which are arranged between the service desk terminal and the terminal for clients. The system further has the following functions: business procedure supporting pictures are displayed on the service desk terminal for the tellers, except for information relative to information of transaction related files acquired through the reader and the scanner, information relative to business procedure and information relative to service charge; case processing data is generated and are displayed on the display picture; and transmission of the case processing data to an upper information processing device for execution of processing of a settlement system.
Description
Technical field
The present invention relates to bank clerk's support type window receiving system and window treatments method, relate in particular to client be main body in the shop of financial institution, carry out deposit, withdraw the money, the accepting of the payment of tax public money, remittance order etc., support the processing mode of bank clerk's support type window receiving system of bank clerk as required.
Background technology
In the payment of tax, other various expenses of common cost, use the remittance order of the form that the payee determines to remit money by financial institution, the charge slip that will press in this remittance order sometimes behind the gathering seal of financial institution uses as the remittance instrument of evidence.In addition, about deposit, payment, remittance order, because the Internet bank, ATM popularize, there is not the formality of memo ticket universal yet, at that time, especially in client business entity, had based on these memo tickets and carried out formality, and coming the tendency of keeping as the instrument of evidence of formality, it is more that memo ticket is taken the situation that bank's window concludes the business.
But when mixing in financial institution, the office worker's of authorized bank client will wait for the long period before window.In addition, for financial institution, each bank clerk is not to be proficient in about the remittance business in various fields such as tax, various expenses yet, needs these professional robotization/rationalization.
In view of such background, for paying or the remittance of various expenses of tax, common cost, also developed the processing mode of improving window service.
For example, in patent documentation 1, disclose a kind of remittance of image A TM that uses and entrusted treating apparatus, this remittance entrusts treating apparatus to possess: the certificate of entrustment of accepting the remittance order of client's trust is accepted the unit; Automatically the execution of judging the permission of the remittance execution corresponding with this remittance order/forbid could identifying unit; Be judged as under the situation of permission, output is carried out indicating member to the remittance of the execution indication that account payee's remittance is handled.Carrying out could judge the time, the matching treatment of the view data by the remittance order that carries out being read by image reading unit and the certificate of entrustment definition data of storing in the certificate of entrustment catalogue in advance judges that this remittance order is appropriate when two data are consistent.
In addition, in patent documentation 2, disclose the operating conditions of the automatic trading apparatus that distributes the terminal monitors bank clerk, provide suitable suggestion to the client who utilizes automatic trading apparatus simultaneously.In this automated transaction back-up system, the bank clerk can be via terminal, carries out the input of functioning in an acting capacity of of automatic trading apparatus that client will use.
In addition, in patent documentation 3, disclose having used the functioning in an acting capacity of in the storage system of (pay-easy) system that pays a bill just, in the ATM casing, scanner has been set, read in the bar code of printing in the money order that client brings, with the example of the burden that alleviates client.
Like this, in financial institution in recent years, about tax, common cost/other various payments of fees, window service is also by robotization, progressively realizes alleviating the window responsible official's in client's operation or business shop burden.
But, in the prior art, for client, the both sides of financial institution, also feel embarrassed to mention fully.For example, whether appropriate for the remittance information of judging input in the invention of patent documentation 1, check the view data of the remittance order that reads by image reading unit and the certificate of entrustment definition data of database one by one, carry out carrying out the automatic judgement of judgement.But the accuracy of identification of the view data in the image reading unit is limited, follows the mistake of mistake identification easily, has the problem from obstacle to client's support that bring of giving.
In addition, in the invention of patent documentation 2, the bank clerk carries out the support of the automatic trading apparatus that client self uses, and still needs bank clerk's the input transaction operation in the business shop of financial institution, can't say also that as financial institution's integral body burden fully alleviates.
In addition, in the invention of patent documentation 3, the independent operation A TM of client utilizes the just system that pays a bill, and therefore becomes burden for the client of not custom operation.In addition, not only pay a bill just in the bill that the window of financial institution is handled, whole tax public money bills all become object, and hope can be handled private remittance order processed etc., tax public money bill in addition.
Patent documentation 1: TOHKEMY 2003-132398 communique
Patent documentation 2: TOHKEMY 2010-122844 communique
Patent documentation 3: TOHKEMY 2011-248417 communique
Summary of the invention
In order to solve above-mentioned prior art problem, the object of the present invention is to provide a kind of bank clerk's support type window receiving system and window treatments method, it is not limited to paying of tax or common cost/other various expenses (hereinafter referred to as the tax public money), about as the deposit of the main business of the high cashier window of bank, withdraw the money, business such as remittance, also can support efficiently client, and, can alleviate the burden of financial institution.
If represent an example of representative of the present invention, then be as follows.Bank clerk's support type window receiving system of the present invention is the window receiving system that carries out various processing via the automated transaction remittance, having a plurality of described automated transaction remittances is connected with service charge system server and settlement system host machine via network with the business shop system of shop server, described store system possesses shop server and at least one the window accepting terminal that is connected with this shop server, this window accepting terminal is for supporting and comprising deposit, withdraw the money, the tax public money, the terminal of bank's high cashier window issued transaction that the transaction of at least one in the remittance is relevant, the service counter terminals (SCT) and the client that have interconnective bank clerk to use use terminal, between described service counter terminals (SCT) and above-mentioned client are with terminal, be provided with reader and the self-service scanner of money payment medium, described self-service scanner has client's the reading of transaction relationship document, conveying function, differentiating according to the result who reads is the function of which office routine work, described service counter terminals (SCT) has: accept the input with terminal from described client, generate the function that office routine work is supported picture and is presented at described service counter terminals (SCT); Support on the picture at described office routine work, information and the information relevant with service charge except the described office routine work of the information of the described transaction associated documents that read about reader and the described self-service scanner that comprises by above-mentioned money payment medium and described money payment medium, also generate the case deal with data, and show the function of this case deal with data; About the described case deal with data that shows in this service counter terminals (SCT), accept the function based on the correction of examining keystroke; Described case deal with data is registered to database function; The case deal with data of this registration is sent to upper messaging device, carry out the sending function that settlement system is handled.
According to the present invention, about bank's high cashier window affairs, can alleviate client's burden by carrying out the support efficiently to client, and realize alleviating the affairs burden of bank's side.
Description of drawings
Fig. 1 is the structural drawing of bank clerk's support type window receiving system of embodiments of the invention 1.
Fig. 2 is the figure of the configuration example of the terminal in the buildings in the expression financial institution shop of using in order to use bank clerk's support type window receiving system of the present invention etc.
Fig. 3 A is the action flow chart of bank clerk's support type window receiving system of embodiment 1.
Fig. 3 B is the action flow chart of bank clerk's support type window receiving system of embodiment 1.
Fig. 4 is the client of expression among the embodiment 1 with the figure of an example of the wait picture of the display panel of terminal.
Fig. 5 is the figure of an example of wait picture of the display panel of the terminal used of the bank clerk of expression among the embodiment 1.
Fig. 6 A is the figure of an example of picture of " selection of payment source " that show with terminal client of the expression clauses and subclauses that are used for transaction content.
Fig. 6 B is the figure of an example of picture of the state of the expression clauses and subclauses of having carried out transaction content.
The figure of Fig. 7 A example that to be the expression client arrange with " cash card " of the picture of terminal.
Fig. 7 B is the expression client with the figure of the example of the picture of terminal " paying list " setting.
Fig. 8 is the expression client with the figure of the example of " my the affirmation data " of the picture of terminal.
Fig. 9 represents the figure of example of demonstration of corresponding step of the picture of the terminal that the bank clerk uses.
Figure 10 is the figure of example of demonstration of service charge etc. of the picture of the terminal used of expression bank clerk.
Figure 11 is that expression is accepted client with the figure of the example of the demonstration of correcting of " the contact destination " of the picture of terminal etc.
The figure of the example of Figure 12 input results that to be the expression client show with the picture of terminal.
Figure 13 is the figure of the example that shows of the alarm of " paying obtaining of single counterfoil/receipt " of the picture of the terminal used of expression bank clerk.
Figure 14 is the structural drawing of bank clerk's support type window receiving system of embodiments of the invention 2.
Figure 15 A is the action flow chart of the bank clerk's support type window receiving system among the embodiment 2 " payment of tax public money ".
Figure 15 B is the action flow chart of the bank clerk's support type window receiving system among the embodiment 2 " payment of tax public money ".
Figure 16 A is the figure of the example of the demonstration that arranges with " bankbook " of the picture of terminal of the client of expression embodiment 2.
Figure 16 B is the figure of the example of the demonstration that arranges with " memo ticket " of the picture of terminal of the client of expression embodiment 2.
Figure 17 A is the action flow chart of the bank clerk's support type window receiving system among the embodiment 2 " transaction that check is handled ".
Figure 17 B is the action flow chart of the bank clerk's support type window receiving system among the embodiment 2 " transaction that check is handled ".
Symbol description
100 host computer systems; The business of 200(200A ~ 200N) shop; 201 shop servers; 203 window rear transaction terminals; 204 windows transaction (high cashier) terminal; 230 buildingss; 231 entrances; 208 accepting terminal; The 209ATM machine; 210 window accepting terminal; 211 bank clerks use terminal (service counter terminals (SCT)); 212(A, B) client uses terminal; 2122 card readers; 2123 self-service scanners; 300 networks
Embodiment
Below, specify bank clerk's support type window receiving system of the present invention with reference to accompanying drawing.In addition, what become the payment object has " paying list ", " memo ticket " etc., in the present invention, their general designations is defined as " transaction associated documents ".
[embodiment 1]
First embodiment of bank clerk's support type window receiving system of the present invention is described with reference to Fig. 1 ~ Figure 14.In this embodiment, illustrate that individual client carries out from the example of the payment of the tax public money of the account of financial institution.In addition, to be that cash card, tax public money are paid single, my affirmation data for working medium.Certainly, individual client can replace cash card and make in cash, advance deposit existence, bank account etc. be as the payment medium of money.At this, carrying out office routine work with cash card is that example describes.In addition, about as the transaction associated documents pay relational file, tax public money bill that can bar code bill etc. is whole is as object, and then can handle the bill beyond the tax public money.That is, whole bills that private remittance order processed etc. can be accepted by bank's window are as object.
The summary of bank clerk's support type window receiving system bank clerk support type window receiving system of present embodiment at first, is described with reference to Fig. 1, Fig. 2.Fig. 1 is the structural drawing that comprises bank clerk's support type window receiving system of present embodiment.This bank clerk's support type window receiving system becomes the part of the automated trading system of financial institution.Automated trading system is unified the centring system and the business shop system that possesses a plurality of automatic trading apparatus of the automated transaction integral body of financial institution via network connection, carry out various automated transactions via each automatic trading apparatus.Automated trading system, at host computer system 100(centring system), the server 201 of a plurality of businesses shop 200(200A ~ 200N) is via network 300, in each business shop, make up the business shop system that possesses a plurality of automatic trading apparatus, various financial services can be provided the client who utilizes this financial institution.
Messaging device such as each server is connected in shop server 201 and the shop, constitutes business shop system, possesses for terminal management function 2011, shop communication supervision system 2012, customer management data storehouse 2013 etc. in the shop of each equipment of management.In window rear transaction system 203, high cashier 204, ATM 209 and at least one the window accepting terminal (conversational window terminal) 210 of server 201 connections in shop as the window transaction terminal.Window transaction (high cashier) terminal 204 possesses case event data processing/registration function 2041, verify data processing capacity 2042, the automatic computing function 2043 of service charge, communication function 2044, case management database 2045 etc.In addition, the configuration of each server is not limited to this example.
The service counter terminals (SCT) 211 of window accepting terminal 210 possesses: have the GUI function and the display panel 2111 of the touch panel formula that works as input-output unit, authenticate himself with scanner 2112, control part 2113 etc.Control part 2113 possesses case data processing function 2114, user collaboration processing capacity 2115, communication function 2116 etc.In addition, other terminal in service counter terminals (SCT) 211 or the shop possesses be used to the database of information of paying about the tax public money that provides the bank clerk to want reference (diagram slightly).
The client of window accepting terminal 210 is with terminal 212(A, B) possess respectively: display panel 2121(A, B with touch panel formula that the GUI function works as input-output unit) and control part (diagram slightly).In addition, in the service counter terminals (SCT) 211 and 212 at each terminal using of client be provided with card reader 2122, self-service scanner 2123.Card reader 2122 can provide various information via the ID card (personal authentication is with blocking) that financial institution provides to client.This ID is stuck in the interior personal information with client of its IC chip, and (various information such as password (identification number), Biont information (referring to venous information etc.), financial institution's coding, client's account number, name are as electric signal storage and registration.Carry out the prestore automatic trading apparatus of payment machine (ATM) 209 etc. of the card reader 2122 of drawing or prestoring etc. of cash or cash and centered by the automated transaction management server 111 of host computer system 100, carry out this processing.For example, client generates by automated transaction management server 111 with the transaction picture that shows on the display panel 2121 of terminal 212, accepts client's various operation input from this transaction picture.
For the service counter terminals (SCT) 211 of realizing window accepting terminal 210 on computers and client with terminal 212(A, B) above-mentioned each function, the various programs of storage or view data etc. in the memory storage (diagram is slightly) of window accepting terminal 210.
Fig. 2 represents the configuration example of layout in the buildings in business shop 200 of the financial institution that use in order to use the present invention service counter terminals (SCT) 211 or each terminal etc.Terminal device as each business shop has at least one window accepting terminal 210 of shop server 201, window rear transaction terminal 203, high cashier 204 etc.In the buildings 230 in business shop 200 and in the front of entrance 231 ATM 209 is arranged.The right hand in the inboard of entrance has: the shop server 201 of the various information in the management shop, carry out counseling platform terminal 205 that window transaction (high cashier) terminal 204 of the various services relevant with transaction, the various consultings that are used for corresponding client or bank clerk discuss to customer recommendation, information station's terminal 206 of various information is provided to client for client as window transaction terminal window rear transaction terminal 203, bank clerk.In addition, the consulting room 207 corresponding with client's various consultings arranged in indoor the inside.Accepting terminal 208 and window accepting terminal 210 that the turnover shop of management of consumer is arranged on the left side of the inboard of entrance.
In addition, in the following description, the part that direct relation is arranged with the bank clerk's support type window receiving system as feature partly in the automated trading system of financial institution only is described, structure about the other parts of automated trading system, quote the record about the automated transaction back-up system at patent documentation 2, so detailed.
The window accepting terminal 210 that becomes the center of bank clerk's support type window receiving system be for support with deposit, withdraw the money, the terminal of tax public money, the relevant bank's high cashier window issued transaction of remitting money.In the present embodiment, in this bank high cashier window issued transaction, be example with the automated transaction business relevant with paying of tax or common cost/other various expenses (tax public money), illustrate with the relevant remittance of paying of client's tax public money and entrust the example of handling.But, although understand above-mentioned example, for paying the client that comes into purpose to carry out the tax public money, for example carry out private depositing and withdrawing, under the situation of the transaction of remittance etc., if carry out correspondence in other terminal, inconvenience then.Therefore, the window accepting terminal 210 of present embodiment also can be tackled the professional business in addition of paying of these tax public money.In other words, even come the client in shop need not move to other terminal in order to pay the tax public money, in fact also can handle the required transaction business of this client.
In addition, in the case of this example, window accepting terminal 210 is the proprietary terminals of paying relevant automated transaction business with the tax public money that turn to, and therefore about having the bank clerk who accepts this service counter terminals (SCT), it is desirable to be proficient in the people that pays of tax public money.
With in the terminal 212, card reader 2122 clients are the readers of payment medium of the function that reads, carries with payment medium of money with terminal 212 client.This payment media reader reads and carries the information read functions of the Customer Information of financial institution's code that the function and reading in of the cash card that inserts stores in the cash card, client's account number, name etc.That is, by hypothesis based on the transaction via the cash card of card reader 2122, via case data processing function 2114 to shop server 201 public Customer Informations.In addition, carry out the authentication based on case data processing function 2114, the seal that the minimizing bank clerk carries out is checked affairs.
In addition, in the present invention, about the transaction associated documents to self-service scanner 2123 based on client self, at this to pay single prerequisite that is set to, by 211 carrying out automatic transport and scan to the service counter terminals (SCT) from paying single terminal 212, and carry to bank clerk's side.211 bank clerks obtain this and pay list in the service counter terminals (SCT).During this period, by OCR(Optical Character Reader), the identification of literal of carrying out such as camera, numeral, mark, sign etc., automatically generate electronic data such as literal code string according to paying single image with its bill form, and output to display panel 2111.That is, self-service scanner 2123 possesses and reads and carry paying single conveying function, reading in and pay single barcode reader of going up the bar code of printing, identify literal or pay the OCR function of single sheet form and to paying the function that singly prints of being inserted into.In addition, self-service scanner 2123 have according to the result that reads differentiate be which office routine work function, keep about in order to carry out the database of information of the required office routine work of this differentiation.Barcode reader or OCR etc. obtain and comprise various information such as paying single distribution source information, payment information, time of payment.In other words, handle by the identification at the OCR of view data etc., the required project of professional processing of paying of extracting and generate the tax public money reaches the only data of its value, these data are remained in the storage unit such as impact damper, and these data are supplied with the case data processing function 2114 of service counter terminals (SCT)s 211.
Be judged as the list of paying of bank clerk's support target for each, by case data processing function 2114, these data that obtain via card reader 2122 or self-service scanner 2123 are handled, on the display panel 2121 of touch panel formula, supported picture (importing picture for paying list at this) to show as office routine work.Case data processing function 2114 has: view data and the electronic data of the transaction associated documents that will read in by self-service scanner 2123 make up, with electronic data such as files with its form bill form function of generating automatically and exporting for example.That is, be presented on the input picture with the information that client selects to import paying single form or Word message wherein, coded message etc.
The bank clerk is judged as each transaction associated documents (paying list) of support target at each, check for single material object of paying that information and the automatic transport of the literal code string that reads in by self-service scanner and identified by OCR are come, and implement to examine keystroke.In addition, for example as the bill that does not have bar code, be used for the information of definite amount of money after a little while, implement to determine the amount of money based on bank clerk's the keystroke of examining.Like this, also be displayed on client's the picture in the data of paying the generation of single input picture, if correct, this acceptance is corrected.About paying list, handle by the input of the conversational that comprises keystroke of carrying out checking with such material object, suppress the generation of thereafter " mistake ".If obtain client's affirmation, then as " case deal with data ", be registered in the storage unit such as case management database 2045 of high cashier 204, and will be somebody's turn to do " case deal with data " and send to messaging devices such as upper terminal or server, and carry out accordingly and pay single processing formality.
In addition, service counter terminals (SCT) 211 have read by barcode reader pay single bar code and generate " case deal with data " after, according to this " case deal with data ", read payment from client, issue receipt to turning round and look at visitor 1, and generate the function of collecting the information of finishing.Receipt is sent to client 1 via self-service scanner 2123.
In messaging devices such as upper terminal or server, read and store gathering and finish information, in the name day that determines at each paying bill distribution enterprise, carry out the settlement process corresponding with " case deal with data ".
Below, further describe bank clerk's support type window receiving system of embodiment 1 with reference to Fig. 3 (Fig. 3 A, Fig. 3 B) ~ Figure 14.Fig. 3 is the action flow chart of bank clerk's support type window receiving system of embodiment 1.
At first, show each wait picture (S401, S402) client with terminal 212A, 212B.Fig. 4 represents the example of wait picture of display panel 2121 of the touch panel formula of terminal 212A, 212B.Client 1 is from the type of transaction (S402) of this picture and selecting in the wait screen displayed.
Below, illustrate that in terminal 212A client 1 utilizes bank clerk's support type window receiving system, carry out the example (S403) of " tax/various reimbursement of expense ".On the other hand, on the display panel 2111 of the touch panel formula of the terminal 211 that the bank clerk uses, show client 1,2 state (S431, S432) on wait picture one hurdle shown in 5.That is, handle by user collaboration processing capacity 2115 terminal 212 and service counter terminals (SCT) 211, carries out necessary demonstration in each display frame.
Client 1 carries out the clauses and subclauses (S404) of transaction content.In Fig. 6 A ~ Fig. 6 B, expression is for an example of the picture of " selection of payment source " of the terminal 212 of the clauses and subclauses of transaction content.At this, at first, from the picture and selecting cash (cash card) of Fig. 6 A, in ensuing picture (diagram slightly), import the payment of payment source or number of the account number etc., and then, carry out the clauses and subclauses of the transaction content shown in the picture of Fig. 6 B.In this embodiment, as transaction content, become an account remittance from A bank, each content of one of propping up pay duty public money, enchashment gold.Client 1 need not to charge to for clauses and subclauses the remittance memo ticket.
When the terminal of using as the bank clerk 211 is accepted client 1 the clauses and subclauses of transaction content (be "Yes" at S433), move to and pay single input picture, client 1 picture is presented at the front, client 2 picture is presented at back (S434).Pay single input screen displayed client's 1 input state at this.Then, the picture at terminal 212A carries out the demonstration (S405) that " cash card " shown in Fig. 7 A arranges.The information of this cash card is read in by card reader, and is sent to the terminal 211 that the bank clerk uses, and cash card itself also is transported to the bank clerk and uses terminal 211 simultaneously.And then, carry out the demonstration (S406) of " paying list " setting shown in Fig. 7 B at the picture 2111 of terminal 212A.In addition, the balance (S407) that in the picture 2111 of terminal 212A, also shows turnover.When client 1 will pay when singly being arranged on the precalculated position, read in this by self-service scanner and pay single information, and send to bank clerk's terminal 211, pay single terminal 211 that the bank clerk uses that also is transported to itself simultaneously.
Then, in client 1 picture, show request to bank clerk prompting " my affirmation data " as shown in Figure 8 (S408), the picture of the terminal of using the bank clerk 211 shows the alarm (S435) of " confirming obtaining of data in person ".From the bank clerk that client 1 obtains " my affirmation data ", read automatic generation (S437) that " I affirmation data " (S436), carry out " I confirm record " by scanner by hand-deliver.At this moment, the corresponding step that shows bank clerk shown in Figure 9 the bank clerk with the picture of terminal 211.In addition, also show the alarm of examining input.The bank clerk is according to this step, obtains driver's license or I.D. by hand-deliver from client, and the authenticate himself by service counter terminals (SCT) 211 carries out image with scanner 2112 to these information and reads.Then, generate the electronic data that I confirm record automatically by case data processing function 2114.That is, can realize confirming in person the automatic generation of record with driver's license or I.D., therefore can realize the minimizing of bank clerk's affairs burden.In addition, also can carry out the list that of electronics about service charge.
In addition, the bank clerk with the warning of examining input shown in Figure 9 of the screen displayed of terminal 211.Therefore, read in by scanner about the bank clerk, by OCR literal, numeral etc. is carried out the information that digitizing gets, examine keystroke (S438) for item wrong or that can't identify.The bank clerk for the file data on display panel 2111, bar code, pay a bill just wait revise, the input operation of check etc.That is, the bank clerk according to the record of paying single material object, is modified to correct data with these items under the situation that has the amount of money, time limit or purpose of remittance ground/pay destination etc. that can't be by the correct identification of OCR.
In addition, about bar code is arranged or the just mark of paying a bill pay list, by identifying these codings or mark, can carry out based on the situation of paying or paying of these data more automatically.The member can not participate in examining the case of operation, other robotization of handling about bank's duty with handling, and the bank clerk shows such case with terminal 211.Thus, the bank clerk can not participate in such case in fact, has alleviated bank clerk's burden.
Repeat above-mentioned a series of operation and finish (S439) up to input.
If input is finished, then by hand-deliver " my affirmation data " returned to client 1.
On the other hand, with terminal 211, carry out the automatic calculating (S440) based on the service charge of the data of importing and being corrected the bank clerk.In the picture 2111 of the terminal 11 that the bank clerk uses, as shown in figure 10, the balance that also shows turnover except service charge, time limit etc., therefore, the bank clerk can judge according to the item that shows on the picture, think under the situation of item etc. of the misdescription that obviously has client, directly confirm to the client as required, and revise specified particular.During this period, the demonstration (S412) of " the waiting for picture during processing " in the enterprising line display of client 1 picture is handled.As an example of " during processing wait for picture ", show the picture that acceptance shown in Figure 11 " contact destination " etc. is corrected, if having corresponding then can correct at any time.
About paying list, can handle by the input that comprises such conversational of examining keystroke, can significantly reduce the quantity of the processing that might become " mistake " then.
Then, in client 1 display frame, for example show input results shown in Figure 12 (S441), request client 1 confirms transaction content (S410).If client 1 presses ACK button (among the S411 for "Yes"), then make its affirmation " case deal with data " and be registered in database total, and, carry out the transaction based on this case deal with data.That is, if the client has confirmed that as " case deal with data " represented transaction content then definite mechanism, time limit, amount of money etc. of collecting money can determine to pay single service charge/overdue fine.Should " case deal with data " be registered in the case process database 2045, and then should " case deal with data " send to messaging devices such as upper server, carry out the processing (S442) of settlement system.Namely, the item of putting down in writing in paying of the amount of money, time limit or the purpose of remittance ground revising and be determined/pay destination etc. is single sends to shop server 201 via communication function 2116, cooperate with host computer system 100, and the processing of being scheduled to by each the upper or related messaging device in the shop.
During this period, in client 1 picture, carry out the demonstration (S412) of " in the formality ".Finish dealing with (being "Yes" among the S443) if of settlement system, then alarm shows " paying single counterfoil/receipt returns " (S444) in bank clerk's terminal 211, and alarm shows " paying the acceptance of single counterfoil/receipt " from the bank clerk shown in Figure 13 (S413) in client 1 picture.After the acceptance, the bank clerk pays seal paying single loam cake, by hand-deliver counterfoil and receipt is returned to client (S445).And then alarm shows " obtaining of cash card " (S414) on client 1 picture, and the bank clerk carries out the return (S446) of cash card via card reader.Thus, formed the closing the transaction of clauses and subclauses, therefore, shown " transaction is finished " (S415) at client 1 picture, moved to and wait for picture (S416).On the other hand, the terminal 211 that the bank clerk uses is also moved to the wait picture, and a hurdle shows the state (S447) of the client in the transaction.
According to present embodiment, about bank's high cashier window affairs, by carrying out the support efficiently to client, can alleviate client's burden, also realized reducing the affairs burden of bank's side simultaneously.
That is, individual client does not need to charge to the remittance memo ticket, only according to the indication of terminal picture, carries out simple formality, operation, need not the knowledge of the remittance of tax public money, need not to wait as long for, the formality of can remitting money reliably.On the other hand, individual client by self-service enforcement cash card read in, pay singly read in, content check, formality carry out, therefore, the burden of bank clerk's the things relevant with these is alleviated.In addition, according to respectively paying single OCR recognition result, calculate defaulted service charge automatically, handle service charge, can alleviate the inflexible of bank clerk's affairs and things burden thus.Especially, about the OCR recognition result, the input that comprises the conversational of examining keystroke is handled, thus can after process in significantly reduction might become the quantity of the processing of " mistake ".
In addition, according to present embodiment, in the service counter terminals (SCT), pay at each tax public money and singly to carry out OCR identification and system management, therefore, can send single the generation at the tax public money that generation is necessary automatically such as terminal at the rear of service counter terminals (SCT) (upper), can realize alleviating rear affairs burden.In addition, individual client respectively pays single OCR recognition result by flexible use, can realize that the memo ticket of " tax/common cost is paid certificate of entrustment " is charged to omission.
In addition, whether at respectively paying list, judging needs the bank clerk to support, thus with pay a bill having or not irrespectively and can handle whole bills just.Thus, can realize systematically that the item that must get involved for the bank clerk comes the office worker's of notifying bank function by alarm.Therefore, in customer side, not needing to carry out this is the judgement that the ATM that just therefore just handles by paying a bill handles of paying a bill.Particularly at window, pay a bill just and pay a bill just beyond bill situation about being brought simultaneously more, therefore, implement this judgement by system, the such processing of item that can only can't handle to bank clerk's reporting system.In this, can alleviate client's burden, and also can realize alleviating the things burden of bank's side.
[embodiment 2]
Second embodiment of bank clerk's support type window receiving system of the present invention is described with reference to Figure 14 ~ Figure 17 B then.In the present embodiment, illustrate that client legal person carries out the example from the payment of the tax public money of account.In addition, working medium is made as bankbook, tax/common cost and pays that certificate of entrustment is doublely returned certificate of entrustment, the tax public money is paid list.In addition, bank clerk's terminal 211 and client are man-to-man relation with terminal 212, still, also can be the relation of one-to-many.
Figure 14 is the structural drawing of bank clerk's support type window receiving system of embodiment 2.Figure 15 (Figure 15 A, Figure 15 B) is the action flow chart of bank clerk's support type window receiving system of embodiment 2.In embodiment 2, replace the card reader of embodiment 1, and adopted possess the reading of bankbook, the self-service bankbook machine 2124 of automatic transport, printing function.In addition, the terminal 211 used of bank clerk possesses seal and checks function 2117.Certainly, as the payment medium of money, and established the card reader of embodiment 1 expression, client legal person can certainly utilize cash card about the payment of money, still, at this, the payment of the tax public money that has utilized bankbook is described.About the structure of the automated trading system of bank clerk's support type window receiving system of comprising this example, omit explanation about the part identical with embodiment 1.
[payment of tax public money]
To pay client legal person that the tax public money is purpose, prerequisite is to bring bankbook/memo ticket.Picture in terminal 212 carries out the demonstration (S1405) that " bankbook " shown in Figure 16 A arranges.The information of this bankbook is gone into and is sent to the terminal 211 that the bank clerk uses by self-service bankbook is machine-readable, and bankbook also is transported to the terminal 211 that the bank clerk uses simultaneously.And then, carry out the demonstration (S1406) of " memo ticket " setting shown in Figure 16 B at the picture 2111 of terminal 212A.When client legal person is set to preposition with memo ticket, read in the information of this memo ticket by self-service scanner, and send to the terminal 211 that the bank clerk uses, simultaneously memo ticket self also is transported to the terminal 211 that the bank clerk uses.Have the bar code/just memo ticket of sign of paying a bill, also can be by identifying these codings or indicating the robotization of carrying out based on the payment of these data.Window accepting terminal 210 has to differentiate pays single classification, whether needs to allow the function of the judgement that the bank clerk supports.
Then, carry out about the situation of the needs that the bank clerk supports of allowing is arranged at client's picture, request is to the demonstration (S1408) of bank clerk prompting " my affirmation data/seal ", the alarm (S1435) of " confirming obtaining of data in person " with the screen displayed of terminal 211 the bank clerk.The bank clerk who obtains " my affirmation data/seal " by hand-deliver from client reads the automatic generation (S437) that " my affirmation data " (S436), carries out " I confirm record " by scanner.The bank clerk carries out the calculating (S440) of examining keystroke (S438), service charge of the memo ticket after OCR identifies by terminal 211.This seal check and signature is checked via shop server 201 and is cooperated with host computer system 100, the terminal of using the bank clerk 211 advances automatically.If client 1 has pressed ACK button (being "Yes" in S411), then make it determine " case deal with data " and be registered in the database, and then will be somebody's turn to do " case deal with data " and send to upper messaging devices such as server, carry out the processing (S442) of settlement system.If the finishing dealing with of settlement system (being "Yes" in S443) then shows " bankbook/receipt is returned " (S1444) to 211 alarms of bank clerk's terminal, alarm shows from bank clerk " obtaining of receipt " (S1413) in client's picture.The bank clerk obtains and pays single and pay in seal paying single pressing, and by hand-deliver counterfoil is returned to client (S1445).And then alarm indication on client's picture " obtaining of bankbook " (S1414), carries out the return (S446) of bankbook via self-service bankbook machine.Picture client shows " transaction is finished " (S415), moves to wait for picture (S416).On the other hand, the bank clerk is also moved to the wait picture with terminal 211, and guide look shows the state (S447) of the client in the transaction.
[extraction from account is handled]
The above-mentioned processing of paying that has illustrated about the tax public money, still, as other transaction example, below explanation is handled about the extraction from account.At this, expression is used bankbook, is returned the example that the petition is handled, and still, can carry out formality by cash card certainly.Omit its record about the above-mentioned content that has illustrated, only use flow process, the label put down in writing among Figure 15 A, Figure 15 B to represent difference.
Be the client of purpose to extract cash, prerequisite is to bring bankbook/return petition (memo ticket).In this case, carry out formality with the flow process shown in Figure 15 A, Figure 15 B the samely, but, difference when paying with the tax public money is, read " memo ticket " by self-service scanner, in the step that is equivalent to S434, move to " returning petition input picture ", show client 1 input state.And then, when in the step suitable with S443, finishing input, alarm indication in the step suitable with S1444 " bankbook return ".At this, replace above-mentioned hand-deliver " receipt ", and by self-service scanner output " receipt ", on client 1 picture, in the step suitable with S1413, alarm indication " obtaining of receipt ".
[remittance from account is handled]
Then, as other transaction example, below explanation is handled from the remittance of account.At this, the example that expression uses bankbook, the return petition, remittance order to handle still, can carry out formality by cash card certainly.About the above-mentioned content that has illustrated, omit record, use flow process, the label put down in writing among Figure 15 A, Figure 15 B, difference only is described.
To be the client of purpose from the account remittance, prerequisite is to bring bankbook/return petition and remittance order (memo ticket).In this case, also carry out formality with the flow process shown in Figure 15 A, the B the samely, but, difference when paying with the tax public money is, read " memo ticket " by self-service scanner, in the step suitable with S434, move to { returning the petition and remittance order input picture }, show client 1 input state.In addition, when finishing input in the step that is being equivalent to S443, step by being equivalent to S1444 is carried out alarm to " bankbook/remittance money is obtained single return " and is shown, returns bankbook, obtains list (step that is equivalent to S1445, S1446) by bank clerk's remittance gold of delivering personally.At this moment, on client 1 picture, in being equivalent to the step of S1413, " money transfer amount obtains single obtaining " carried out alarm and show.
[transaction processing of check]
In addition, as other transaction example, below the explanation check is handled.Put down in writing about omitting in the content of above-mentioned explanation, use only describes difference from flow process, the label of the record of above-mentioned Figure 15 A, Figure 15 B.Figure 17 A, Figure 17 B are the action flow charts of the bank clerk's support type window receiving system in " transaction that check is handled ".
Be the client of purpose to conclude the business by check, prerequisite is to bring check (perhaps bill).
When client legal person is arranged on preposition with the clauses and subclauses of check appliance with check (S1704, S1705), reads in the information of this check by self-service scanner, and send to the bank clerk with terminal 211.At this moment, show the information relevant with check (account number/clearing house of the numbering/branch numbering/remitter of financial institution encode/put in order number etc.) (S1734) at the picture of bank clerk's terminal 211.
Then, in client's picture, ask to the demonstration (S1708) of bank clerk prompting " check, my affirmation data, seal ", in the alarm (S1735) of bank clerk with the screen displayed " affirmation data, check obtains in person " of terminal 211.From the bank clerk that client obtains " check, my affirmation data, seal ", read automatic generation (S437) that " I affirmation data " (S436), carry out " I confirm record " by scanner by hand-deliver.The bank clerk carries out the calculating (S440) of examining keystroke (S438), service charge of the memo ticket of OCR identification by terminal 211.Service charge can drawing a bill for electronics.And then implement seal and check, sign affirmation (S1704).This seal is checked and signature is checked via shop server 201 and cooperated with host computer system 100, advances automatically with terminal 211 the bank clerk.If client 1 presses ACK button (in S411 for "Yes"), then make it determine " case deal with data " and be registered in the database, carry out the transaction based on this case deal with data simultaneously.Should " case deal with data " be registered in the database, and then should " case deal with data " send to messaging devices such as upper server, carry out the processing (S442) of settlement system.Then, in client's picture, show alarm (S1713, S1714) for obtaining of the obtaining of cash, receipt, when client obtained them, transaction was finished.
According to present embodiment, about comprise deposit, withdraw the money, at least one transaction processing such as tax public money, remittance, by carrying out alleviating to client's support efficiently client's burden, also can realize the alleviating of things burden of bank's side simultaneously.That is, client legal person only carries out simple formality according to the indication of the picture of terminal, and need not the knowledge about various transaction, needn't carry out formality reliably with waiting as long for.On the other hand, client by self-help operation implement that bankbook reads in, memo ticket reads in, content check, formality carry out, and can alleviate bank clerk's things burden.In addition, according to the OCR recognition result that various memo tickets read in, carry out the automatic calculating of defaulted service charge, processing service charge, can realize solidization of bank clerk's affairs and alleviating of things burden thus.In addition, by paying list at each tax public money, carry out OCR identification and carry out system management, can be more single by the required tax public money transmission of the automatic generation of the terminal at rear (upper) in the terminal of using than the bank clerk, can realize alleviating of things burden.
Especially, about the OCR recognition result, the input that comprises the conversational of examining keystroke is handled, and might become the quantity of the processing of " mistake " after can significantly being reduced in thus.
In addition, determine bar code/pay a bill and just pay list to carry out the correction/check based on the input of the memo ticket of examining keystroke simultaneously by robotization, can confirm collect money mechanism, time limit, the amount of money etc., therefore can correctly determine to pay single service charge/overdue fine.
In addition, confirm that by me the image of file reads, can realize confirming in person the automatic generation of record (electronic data).
In addition, check at seal/sign and check, can realize advancing the seal check/sign the things burden that the robotization of checking alleviates the bank clerk.
In addition, whether by at respectively paying list, judging needs the bank clerk to support, when can alleviate client's burden, also to alleviate the professional burden of bank's side.
Claims (15)
1. bank clerk's support type window receiving system, it carries out various processing via automatic trading apparatus, it is characterized in that,
Business shop system with a plurality of described automatic trading apparatus and shop server is connected with service charge system server and settlement system host machine via network, described business shop system has shop server and at least one the window accepting terminal that is connected with this shop server
This window accepting terminal is for supporting and comprising deposit, withdraw the money, the tax public money, at least a terminal in the relevant bank of interior transaction high cashier window issued transaction in the remittance, the service counter terminals (SCT) and the client that have the bank clerk of mutual connection to use use terminal, be provided with reader and the self-service scanner of the payment medium of money with terminal room described service counter terminals (SCT) and described client, described self-service scanner has client's the reading of transaction associated documents, the function of carrying, differentiating according to the result who reads is the function of which office routine work
Described service counter terminals (SCT) has following function:
Acceptance generates office routine work and supports picture and the function that shows in this service counter terminals (SCT) from the input of described client with terminal;
Support in the picture at described office routine work, the additional information relevant with described office routine work and with service charge relevant information ground generation case deal with data, and show the function of this case deal with data, wherein, the information relevant with described office routine work comprises the information of the payment medium of the reader of the payment medium by described money and described transaction associated documents that described self-service scanner reads and described money;
About the described case deal with data that shows in this service counter terminals (SCT), accept the function of correction by examining keystroke;
Described case deal with data is signed in to database function; And
The case deal with data of this login is sent to upper messaging device, carry out the sending function of the processing of settlement system.
2. bank clerk's support type window receiving system according to claim 1 is characterized in that,
When being provided with described transaction associated documents in terminal described client, described self-service scanner is handled by the identification to view data, extract and generate described office routine work and handle required project and the data of value thereof, these data are remained on storage unit such as impact damper, and the associated documents of should concluding the business are transported to described service counter terminals (SCT).
3. bank clerk's support type window receiving system according to claim 2 is characterized in that,
Described window accepting terminal has: differentiate the classification of described office routine work, whether need judgement that the bank clerk is supported, the result of this judgement is presented at the function of described service counter terminals (SCT).
4. bank clerk's support type window receiving system according to claim 3 is characterized in that,
Described service counter terminals (SCT) is carried out demonstration for the content check of described case deal with data described client with terminal, from the input that this client accepts confirmation with terminal, carries out the formality of this case deal with data in upper messaging device.
5. bank clerk's support type window receiving system according to claim 3 is characterized in that,
The information of the literal code string that described service counter terminals (SCT) obtains according to the OCR recognition result by described transaction associated documents is carried out defaulted service charge, is handled the automatic calculating of service charge.
6. bank clerk's support type window receiving system according to claim 3 is characterized in that,
In described service counter terminals (SCT), according to each described transaction associated documents, the information of the literal code string of the memo ticket that described OCR is identified is implemented to examine keystroke, carries out system management.
7. bank clerk's support type window receiving system according to claim 1 is characterized in that,
Described service counter terminals (SCT) possesses: read the in person affirmation data relevant with described client, carry out the authenticate himself scanner that I confirm the automatic generation of record.
8. bank clerk's support type window receiving system according to claim 1 is characterized in that,
The payment medium of described money is bankbook, and the reader of the payment medium of described money is the bankbook reader,
Described transaction associated documents are memo tickets,
When being provided with described bankbook to described client with terminal, carry out reading in of this bankbook automatically by described bankbook reader,
When being provided with described memo ticket to described client with terminal, described self-service scanner carries out reading in of described memo ticket automatically.
9. bank clerk's support type window receiving system according to claim 8 is characterized in that,
The information of the literal code string that described service counter terminals (SCT) obtains according to the OCR recognition result by this described memo ticket is carried out defaulted service charge, is handled the automatic calculating of service charge.
10. bank clerk's support type window receiving system according to claim 8 is characterized in that,
In described service counter terminals (SCT), implement the seal of the literal code string of this memo ticket that described OCR identifies at each described memo ticket and check, and carry out system management at each described memo ticket.
11. bank clerk's support type window receiving system according to claim 8 is characterized in that,
In described service counter terminals (SCT), show the balance of described client's turnover.
12. bank clerk's support type window treatments method, its automatic trading apparatus via the business shop carries out various processing, and this bank clerk's support type window treatments method is characterised in that,
Business shop system with a plurality of described automatic trading apparatus and shop server is connected with service charge system server and settlement system host machine via network,
Described business shop system has shop server and at least one the window accepting terminal that is connected with this shop server,
This window accepting terminal be for support with comprise deposit, withdraw the money, tax public money, at least a terminal in the relevant bank of interior transaction high cashier window affairs of remitting money, the service counter terminals (SCT) and the client that have the bank clerk of mutual connection to use use terminal
Be provided with reader and the self-service scanner of the payment medium of money with terminal room described service counter terminals (SCT) and described client,
Described self-service scanner have client the transaction associated documents to read and differentiate accordingly with the result who reads be the function of which office routine work,
Accept the clauses and subclauses of client's transaction content in terminal described client,
Follow the acceptance of these clauses and subclauses, office routine work support picture is moved in the service counter terminals (SCT) that described bank clerk is used, and supports picture to show described client's input state at this office routine work,
The additional information relevant with described office routine work and with service charge relevant information ground generation case deal with data, and in described this case deal with data of office routine work support screen displayed, wherein, the information relevant with described office routine work comprises the information of the payment medium of the described transaction associated documents that read by the reader of the payment medium of described money and described self-service scanner and described money
About the described case deal with data that shows in this service counter terminals (SCT), accept correction by examining keystroke,
Described case deal with data is signed in to database; And
The case deal with data of this login is sent to upper messaging device, carry out the processing of settlement system.
13. bank clerk's support type window treatments method according to claim 12 is characterized in that,
Support the described bank clerk's that screen displayed is relevant with described transaction associated documents treatment step at the described office routine work of the service counter terminals (SCT) that described bank clerk uses.
14. bank clerk's support type window treatments method according to claim 12 is characterized in that,
When being provided with described transaction associated documents with terminal to described client, described self-service scanner automatically carries out reading in of these transaction associated documents, and the associated documents of should concluding the business are transported to described service counter terminals (SCT).
15. bank clerk's support type window treatments method according to claim 14 is characterized in that,
Differentiate the classification of described transaction associated documents, whether need the judgement of bank clerk's support, and this result of determination is presented at described service counter terminals (SCT).
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2012-007414 | 2012-01-17 | ||
| JP2012007414A JP5953048B2 (en) | 2012-01-17 | 2012-01-17 | Clerk support type window reception system and window processing method |
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| CN103208155A true CN103208155A (en) | 2013-07-17 |
| CN103208155B CN103208155B (en) | 2016-04-06 |
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| CN201310018007.1A Expired - Fee Related CN103208155B (en) | 2012-01-17 | 2013-01-17 | Bank clerk's support type window receiving system and window treatments method |
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| Country | Link |
|---|---|
| JP (1) | JP5953048B2 (en) |
| KR (2) | KR101787145B1 (en) |
| CN (1) | CN103208155B (en) |
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| CN109308611A (en) * | 2017-07-28 | 2019-02-05 | 万事达卡亚太私人有限公司 | Enhance webpage function |
| TWI691866B (en) * | 2018-10-08 | 2020-04-21 | 兆豐國際商業銀行股份有限公司 | Interactive counter system and interactive method |
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| JP2014137618A (en) * | 2013-01-15 | 2014-07-28 | Oki Electric Ind Co Ltd | Information processing terminal, information processing system, information processing method, and program |
| JP6072736B2 (en) * | 2014-07-18 | 2017-02-01 | 高知信用金庫 | Personal authentication system and transaction method in window transaction of financial institution |
| JP6540369B2 (en) * | 2015-08-24 | 2019-07-10 | 沖電気工業株式会社 | Information processing apparatus and program |
| JP2019023780A (en) * | 2017-07-23 | 2019-02-14 | 株式会社ＳｍａｒｔＨＲ | Year-end adjustment auxiliary system |
| JP7245748B2 (en) * | 2019-08-30 | 2023-03-24 | 株式会社日立製作所 | Semi-self-management method and semi-self-management system |
| CN112288562B (en) * | 2020-09-03 | 2023-09-26 | 中国银行股份有限公司 | Bank teller intelligent scheduling method and system based on big data |
| CN114724308A (en) * | 2022-04-14 | 2022-07-08 | 中国工商银行股份有限公司 | Self-service bank article getting method, server, client and system |
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Also Published As
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| JP2013148978A (en) | 2013-08-01 |
| CN103208155B (en) | 2016-04-06 |
| JP5953048B2 (en) | 2016-07-13 |
| KR20150112914A (en) | 2015-10-07 |
| KR20130084645A (en) | 2013-07-25 |
| KR101787145B1 (en) | 2017-10-18 |
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