JP2001067520A - Automatic contract system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve the arbitrary selection property of a design image by permitting each terminal device to send input information to the center side device and to print/issue a bankbook and a card with surface design images when the selected surface design images of the bankbook and card are not previously set but they contain the information inputted to a self-device at the time of a new contract operation. SOLUTION: When a customer inserts an application into a scanner take-in port 11g, an application filled content is read and a terminal device 11 displays a selection picture of 'compilation necessity/no' for compiling specification of a bankbook and a card, a surface design image, for example, on a display picture 11e1 in accordance with desire of the customer himself or selecting the desired design image from plural types of design images (default design images) which are previously printed and are stored in the terminal device 11. When the selection of the default design image is instructed, the printed bankbook and card of the selected design images are issued from the terminal device 11 at the place.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic contract system capable of performing a new contract operation for opening a transaction account at each terminal device of a financial institution or a company, and more particularly to a passbook used for various money transactions after a contract. The present invention relates to an automatic contract system capable of increasing the optionality of a design image represented on a card without increasing the size and cost of each terminal device.

[0002]

2. Description of the Related Art In recent years, many financial institutions and companies have adopted an automatic contract system in which a new contract for opening a transaction account can be performed only by operation of a customer (contractor) at each terminal device. In such a system,
When the contract is completed, a passbook or card (hereinafter simply referred to as a passbook or card) used in various subsequent money transactions is issued. In this case, the cover of the passbook / card (hereinafter simply referred to as the front surface) usually has a design image composed of any characters, figures or symbols or a combination of these with colors, specifically the name of a financial institution or company , The name of the account type, a pattern or a photo as appropriate are printed,
The following system has also emerged, in which more types of design images are prepared, and a contract image arbitrarily selected by the contractor can be printed on a passbook / card.

(1) Passbooks / cards on which various design images are printed in advance are sorted and stored in a plurality of storage containers in the terminal device, and the customer can display the various design images in various design images in accordance with the guidance displayed on the screen. When any one is selected, the system extracts the passbook / card from the storage container and issues a printed passbook / card of the selected design image on the spot.

[0004] (2) A passbook / card having a predetermined white surface is stored in a storage container in a terminal device,
When the customer selects any one of various print designation design images stored in advance in the memory of the terminal device, the selected design image is printed on the white background with a color image printer. A system designed to print and issue the selected design image on the spot.

[0005]

However, the above-mentioned conventional system has the following problems. The above (1)
In each system, it is necessary to keep in advance in each terminal device a passbook / card on which various design images are printed, and the passbook / card is stored separately for each design image. Because of the necessity, a large amount of space is required in the passbook / card storage unit, resulting in an increase in the size and cost of the terminal device, or a limitation on the maximum storage amount of the passbook / card. In addition, the design images on the passbook / card surface are pre-printed and can be selected from among them, which limits the degree of freedom for the customer and the design image for the system operator. However, there is a problem that it is not possible to respond flexibly and promptly to changes and the like.

In the system (2), considering the storage environment on the customer side after the passbook / card issuance, not only the design image printing is actually completed, but the design image printing portion is formed by removing moisture, abrasion, etc. Therefore, a process for giving durability to the deterioration of the printing surface due to the above is required. For this reason, the design image printing mechanism requires not a general-purpose printing mechanism but a special printing mechanism or a post-processing mechanism for performing processing such as coating of water and abrasion or application of chemicals. However, there is a problem that the cost is increased.

[0007] The present invention has been made to solve the above-mentioned problems of the prior art.

[0008]

The present invention employs the following structure to solve the above-mentioned problems. <Configuration 1> A plurality of terminal devices and at least one center device capable of communicating with each of these terminal devices are provided, and a new contract operation for opening a transaction account accompanied by issuance of a passbook / card used in various money transactions is performed. In an automatic contract system that can be selected from among a plurality of types of passbooks / cards that can be used in each of a plurality of terminal devices and used in various financial transactions after a contract, each of the terminal devices is selected. If the surface design image of the passbook / card is not the one set in advance in the own device as the specifications of the passbook / card, but includes information input to the own device at the time of a new contract operation, the input information is transmitted to the center side. An automatic contract system, wherein the automatic transmission is sent to a device, and the center-side device prints and issues a passbook / card with a surface design image including the transmitted input information.

<Structure 2> In the automatic contract system according to claim 1, when each terminal device is equipped with a camera for capturing a face photograph image of a new contractor, the camera is zoomed to the image capturing side. An automatic contract system comprising a mechanism, wherein both the face photograph image and the iris pattern image of the new contractor can be captured by controlling the zoom mechanism.

[0010]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described with reference to the drawings. << Specific Example >><Configuration and Operation of Specific Example> FIG. 1 is a block diagram showing a specific example of an automatic contract system according to the present invention. As shown in the figure, the system of the present invention includes a plurality of terminal devices 11 and a center device 21 capable of communicating with each of the terminal devices 11. Each terminal device 11 has a main controller 11b, a scanner 11c, a passbook / card storage 11
d, an operation / display unit 11e, a camera 11f, a scanner loading port 11g, and a passbook / card receiving port 11h.
Each terminal device 11 is capable of performing a new contract operation for opening a transaction account accompanied by issuance of a passbook / card used in various money transactions, and a specification of a passbook / card used in various money transactions after the contract. For example, a size or a surface design image, here, a surface design image can be selected from a plurality of types.

Here, each of the terminal devices 11 does not have the selected passbook / card specification (surface design image) set in advance as the passbook / card specification in its own device. If the image information includes image information input to the device, the image information is transmitted to the center-side device 2.
1. The center-side device 21 is configured to print and issue a passbook / card with specifications (surface design image) including the image information sent.

Next, a new contract operation for opening a trading account by the system of the present invention will be described with reference to the flowchart of FIG. Here, a case in which a new contract is made by a customer (contractor) himself at the terminal device (automatic contract terminal device) 11 installed in a bank will be described as an example.

When the system is started, a transaction menu is displayed on the display screen 11e1 of the operation / display unit 11e of the automatic contract terminal device 11 (step 201). When the customer selects and instructs a new account opening from the transaction menu, a new account opening process is started (step 202). Thereby, the terminal device 11 requests the customer to fill in the necessary items on the application form for opening a new account (step 20).
3). When the customer fills in the application form in response to this request and inserts the application form into the scanner inlet 11g, the contents of the application form are read by the scanner 11c (step 204).

[0014] When the contents of the application form are read normally, the terminal device 11 displays the passbook and the passbook on the display screen 11e1.
The specification of the card, in this case, the surface design image is edited according to the customer's own request, or a desired design is selected from a plurality of types of design images (default design images) printed in advance and stored in the terminal device 11. A selection screen of "edit required / not required" for selecting an image is displayed (step 20).
5).

In step 206, when an instruction to select a default design image ("non-editing" in step 207a) is issued, the same processing as in the above-described conventional system (1) (extracting a passbook / card from a corresponding storage container). ) Is executed, and a printed passbook / card of the selected design image is issued from the terminal device 11 on the spot (step 20).
7b).

When "edit required" is instructed in step 208, the following processing is executed. First, an editing method selection menu is displayed on the display screen 11e1 (step 209). This menu displays that, for example, the following three methods can be selected as the editing method of the passbook / card surface design image. (A) A method of using an image (face photograph image) obtained by photographing the customer's own face on the spot with a camera 11f provided in the terminal device 11 (B) On a medium such as paper brought by the customer How to use a design image (carry-in design image) composed of a photograph, illustration, etc. shown (C) An image taken by a digital camera or digital video camera or an image created by CAD or the like is stored in a storage medium such as a floppy disk. How to input and use saved images (images stored in storage media)

The customer selects any one of the methods (A) to (C), inputs an image corresponding to the selected method to the terminal device 11, and edits the image. Here, the terminal device 11 is not provided with a device for reading a storage medium such as a floppy disk. Therefore, except for the method (C), the processing when the method (A) and the method (B) are selected will be described below. Will be described.

First, when the method (A) (step 210) is selected, guidance is displayed on the display screen 11e1 so that the user faces his / her face at a predetermined position facing the camera 11f and looks straight ahead. Then, after a message display for performing a predetermined confirmation and the operation of the customer, a plurality of consecutive images of the customer's own face are taken by the camera 11f. The photographed face photograph image is displayed on the display screen 11e1 in real time in a moving image format (step 211). When the customer selects any one of them, the face photograph image is taken into the editing program in the form of a still image.

When the method (B) (step 212) is selected, a design image (carry-in design image) composed of a photograph, illustration, or the like brought by the customer on the display screen 11e1.
Is displayed on the display screen 11e1 to set a medium such as paper on which is displayed in the scanner inlet 11g.
The customer inserts the above media into the scanner inlet 1 according to the guidance.
When set to 1 g, the design image represented on the medium is captured as image information by the scanner 11c (step 2).
13). Since the size of the captured image is not uniform, the image is enlarged or reduced by the image processing program and edited so as to be within a predetermined size. A method for enlarging / reducing a process involving a customer operation and a terminal device 11
Although it is possible to consider a method of performing all automatically in the terminal device 11, a method of performing all of the information automatically in the terminal device 11 is adopted here.

As described above, in both the methods (A) and (B), when the customer instructs to determine the content of the image, the edited image is pasted on the surface of the passbook / card on the display screen 11e1. (Step 214).

When the customer confirms the edited contents and instructs OK (step 215), the terminal device 11 sends the above-described application form content information and the passbook / card edited image information as one packet information to the center-side device. 21 (step 216), and the processing in the terminal device 11 ends (step 217).

The center-side device 21 prints the passbook / card with the edited image information in the transmitted information, that is, the design image (specification), and creates and issues a passbook / card of the surface design image of the customer specification. Will be sent to the customer at a later date. The center-side device 21 performs such processing on all the terminal devices 1
Concentrate on request from 1.

<Effect of Specific Example> In the specific example described above, when the specification (surface design image) of the selected passbook / card includes the image information input to the terminal device at the time of the new contract operation, the image information is deleted. Specifications including the image information sent to the center-side device (surface design image)
To print on passbooks and cards. For this reason, according to the above-described specific example, a passbook / card with high customer convenience, in which various types of information including arbitrary (unique) image information of the customer are printed on the surface, is provided by a conventional system in which a color image printer is provided in each terminal device Each terminal device 11 is enlarged compared to the case of
There is an effect that it can be realized without increasing the cost.

FIG. 3 is a block diagram showing a main part of another example of the automatic contract terminal device 11, in which a customer (new contractor) is shown.
A zoom mechanism 11i is provided on the image capturing side of the camera 11f for capturing the face photo image of the user.
With the above control, both the face photograph image and the iris pattern image of the customer can be captured. Although the customer's iris pattern is effective as a means for personal authentication, here, in order to enable registration of this iris pattern, a camera 11f for capturing a customer's face photograph image into an iris pattern image capturing camera Is also used.

According to this, by controlling the zoom mechanism 11i, the size of the iris pattern image with respect to the entire field of view (photographing area) of the camera 11f can be adjusted at the time of capturing the iris pattern image, and an iris pattern image of a predetermined size can be captured. Note that the zoom mechanism 11i may be configured as a unit independent of the camera 11f so that it can be added as an option when necessary.

FIG. 4 is an explanatory diagram of iris pattern image capturing control by the camera 11f in which the zoom mechanism 11i is added to the image capturing side. As shown, the zoom mechanism 11i includes a zoom lens 11i1 and a zoom control mechanism 11
i2, and by driving the zoom control mechanism 11i2, the zoom lens 11i1 is moved to the position L1 at the time of capturing a face photograph image.
Alternatively, it can be controlled to the position L2 at the time of capturing the iris pattern image.

The zoom control mechanism 11i2 is driven by a zoom control processing means 42 according to a face photograph image capture instruction or an iris pattern image capture instruction from the automatic contract control program 41.
Is performed by the operation of. The face photo image capture instruction or the iris pattern image capture instruction is for positioning the face or pupil at a predetermined position directly facing the camera 11f at the time of capturing the face photo image or the iris pattern image, and causing the front face to be directly viewed. It is also used as a start signal for displaying guidance on the display screen 11e1.

That is, the zoom lens 11i1 is located at the position L1 when the instruction from the automatic contract control program 41 is a facial photograph image capturing instruction, and at the position L2 when the instruction is an iris pattern image capturing instruction. Movement is controlled.
At the same time, the display screen 11e1 performs guidance display according to the type of the image capture instruction to the customer. The field of view of the camera 11f is located in an area E1 where the entire face of the customer 43 can be photographed when the zoom lens 11i1 is located at the position L1.
When the zoom lens 11i1 is located at the position L2, the pupil portion of the customer 43 is enlarged to an area E2 where photographing is possible.
Each is set.

For the position control of the zoom lens 11i1, in other words, the focus control for each subject (face, pupil), an autofocus control in a general camera can be applied, and the zoom control processing means 42 can perform control processing. is there.

As described above, when each terminal device 11 is equipped with a camera 11f for capturing a face photograph image of a new contractor, a zoom mechanism 11i is provided on the image capturing side of the camera 11f, and a face photograph is provided. Since both the image and the iris pattern image of the new contractor can be captured, the camera 1
1f can be used for both capturing the face photograph image and the iris pattern image, and the means for capturing the face photograph image and the iris pattern image can be configured at low cost.

In the case where it is possible to open a transaction account from a personal computer in the home with the expansion of banking business using the Internet, if a transaction account can be opened from a personal computer in the home,
Alternatively, the same passbook / card printing process can be performed by editing image information captured by a digital camera or the like by application software executed on the personal computer and transmitting the edited information to the center-side device 21.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a specific example of the system of the present invention.

FIG. 2 is a flowchart for explaining a new contract operation for opening a trading account by the system of the present invention shown in FIG. 1;

FIG. 3 is a configuration diagram illustrating a main part of another example of the automatic contract terminal device in FIG. 1;

FIG. 4 is an explanatory diagram of iris pattern image capturing control by a camera in which the zoom mechanism in FIG. 3 is added to an image capturing side.

[Explanation of symbols]

 11 terminal device (automatic contract terminal device) 11a terminal device main body 11b main controller 11c scanner 11d passbook / card storage unit 11e operation / display unit 11e1 display screen 11f camera 11g scanner intake 11h passbook / card reception 11i zoom mechanism 11i1 Zoom lens 11i2 Zoom control mechanism 21 Center-side device 41 Automatic contract control program 42 Zoom control processing means

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 A61B 5/10 320B 5B058 19/00 320Z G06T 1/00 G06F 15/21 340Z G06K 17/00 15/30 K 15/64 H F term (reference) 3E040 AA04 AA07 BA20 CB04 DA02 FH05 4C038 VA07 VB03 VB04 VC05 5B047 AA23 BB06 CA17 CB18 5B049 AA02 BB46 EE07 EE21 FF02 GG04 GG07 5B05 BB22 PA05 CB58 YA03

Claims (2)

[Claims] 1. A new contract operation for establishing a transaction account with a plurality of terminal devices and at least one center device capable of communicating with each of the terminal devices and issuing a passbook / card used in various money transactions. Is possible in each of a plurality of terminal devices, and in an automatic contract system capable of selecting from among a plurality of types of specifications of passbooks / cards used in various financial transactions after a contract, each of the terminal devices is selected When the surface design image of the passbook / card is not the one set in advance in the own device as the specifications of the passbook / card, but includes the information input to the own device at the time of a new contract operation, the input information is transferred to the center. An automatic contract system, wherein the center-side device prints and issues a passbook / card with a surface design image including the sent input information. . 2. The automatic contract system according to claim 1, wherein when each terminal device has a camera for capturing a face photograph image of a new contractor, a zoom mechanism is provided on an image capturing side of the camera. An automatic contract system, wherein both the face photograph image and the iris pattern image of the new contractor can be captured by controlling the zoom mechanism.