JP2001109929A - Consultation processing system, automated unit, simple consultation terminal and consultation detailed slip - Google Patents

Abstract

PROBLEM TO BE SOLVED: To solve such problems that it has been impossible to answer to the need of the consultation of a customer with an adviser and to a request on the miniaturization of a store such as a monetary facility. SOLUTION: The consultation processing system has an automated unit 1 permitting a customer to select a consultation content at the time of executing various transactions and issuing the consultation detailed form 3 where the consultation content and customer information are printed by a two-dimensional bar code to the customer and a simple consultation terminal 2 having a consultation detailed slip issuing part grasping the consultation content from the consultation detailed slip 3 when the consultation detailed slip 3 issued from the automated unit 1 is inserted from the insertion port of a consultation detailed form reading part by the customer, connecting a system to a consultation center 5 corresponding to the consultation content, permitting the consultation of the customer with the adviser and printing a consultation result at the time of consultation on the consultation detailed slip 3 as the two-dimensional bar code are installed in the store of a monetary facility. The consultation detailed slip 3 on which the consultation result is printed on the side of the simple consultation terminal 2 is read out by the side of the automated unit 1. The consultation result is used for the various transactions on the side of the automation unit 1.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a consultation processing system, an automated device, a simple consultation terminal, and a consultation statement.
This is useful when a customer wants to consult with a counselor at the time of various transactions using automated equipment installed in a store such as a financial institution.

[0002]

In a store such as a financial institution, automated equipment such as an automatic cash dispensing machine is installed. This automated device is called a quick ATM, and is adapted to immediately establish a transaction such as cash withdrawal by a customer operation. However, if the customer wants to consult with a consultant for any reason while conducting a transaction by operating the automated equipment, the customer stops the transaction with the automated equipment and the employee You must consult with a counselor.

On the other hand, in recent automation equipment, a slow system A
What is called a TM is being developed. This slow-type ATM has a function of enabling consultation with a counselor together with a transaction function of the quick-type ATM, such as cash deposit / withdrawal, so that the number of consultants and the like assigned to the store can be reduced. It is to be. However, slow A
Since the TM needs to have the function of a quick ATM in response to the demand for diversification of functions, it tends to be heavy and large, requiring high price and a large installation area, and reducing the size of stores. Not suitable. Therefore, in the case described above, there is a problem that it is not possible to respond to a request for downsizing of a store such as a financial institution together with a need for consultation with a customer's consultant.

[0004]

Accordingly, the present invention has a consultation statement issuing unit for issuing a consultation statement which prints consultation contents, consultation results and customer information in a two-dimensional bar code, and includes a customer cash card and the like. When the customer information pre-registered in the database of the host center is acquired based on the various cards and the various transactions are executed, the customer is asked to select the consultation content, and the consultation content and the customer information are printed in a two-dimensional barcode. An automated device that issues a consultation statement to a customer, and when the customer inserts a consultation statement issued by the automated device from the insertion slot of the consultation statement slip reading unit, the consultation details are consulted from the consultation statement. Read by the vote reading unit, connect to the consultation center according to the consultation content, enable customers to consult with consultants, and print the consultation results at the time of consultation as a two-dimensional bar code and newly print Install a simple consultation terminal that issues a consultation statement at a store such as a financial institution, and read the consultation result from the consultation statement issued by the simple consultation terminal with the consultation statement slip reading unit on the automated equipment side, and consultation results Is provided for a consultation processing system that is used for various transactions.

The automation device includes an operation key operated by a customer, an operation display unit for displaying data input by the operation key and a guidance message, and a card processing unit for reading and writing various cards such as a cash card. It has a housing, is installed in a store such as a financial institution, and executes various transactions by operation control of various transactions based on a certain sequence according to the operation of a customer, and is converted into a two-dimensional barcode and printed. A consultation statement issuance section is provided to issue a consultation statement that prints consultation details, consultation results, and customer information, and obtains customer information registered in the database in advance based on various cards, such as customer cash cards, and performs various transactions. When the customer wants to consult with a consultant, a selection key for selecting the content of the consultation is displayed on the operation display unit, and the selection key is When selected by the customer, the consultation itemized issuing unit has consulted itemized printing the consultation content and customer information in two-dimensional bar code to issue to the customer. If a consultation statement with the consultation result printed is inserted from the insertion slot of the consultation statement slip reader,
It is preferable to read the information of the two-dimensional barcode and execute the transaction based on the consultation result.

On the other hand, the simple consultation terminal has an input section for inputting data by operating a customer, a display section for displaying the input data, a guidance message, a picture of a consultant, etc. Image input unit to capture as data,
A voice input / output unit that inputs voices spoken by customers and outputs voices of consultants, a consultation statement reader that reads consultation details from consultation statements issued by automated equipment, and consultation details, consultation results, and customer information When a customer inserts a consultation statement slip into the insertion slot of the consultation statement slip reading section, the consultation statement slip issuance section that prints and issues a two-dimensional barcode is provided in the housing. And read the contents of the consultation, and connected to a consultation center corresponding to the consultation contents so that the customer can consult with a consultant. In addition, the consultation result information conducted by the simple consultation terminal based on the consultation content, the state that can be used only with the simple consultation terminal, the state that can be used only with the automated device, and the use of neither the automated device nor the simple consultation terminal Issuance / usage history information for distinguishing between different states is added to the consultation contents, converted into a two-dimensional barcode, and printed and issued as a new consultation statement. In addition, a document issuance unit is provided to issue a contract and a document such as a consultation result according to the transaction when the transaction is concluded by the consultation.

[0007]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a conceptual diagram of the consultation processing system. As shown in the figure, in this consultation processing system, the exchange of information such as consultation information between the automated equipment 1 and the simple consultation terminal 2 separately installed in a store such as a financial institution is converted into a two-dimensional bar code and printed. This is performed through the consultation statement slip 3 described above. In printing a two-dimensional barcode, image data of a two-dimensional barcode is created from information to be converted into a two-dimensional barcode, and the image data is printed by a printer or the like. The two-dimensional bar code reading does not require a large-scale mechanism as a reading mechanism.
A general method is to read image data of a two-dimensional barcode using an inexpensive two-dimensional sensor such as a CD sensor and obtain two-dimensional barcode information from the image data. The automation device 1 is connected to a host center 4 by a communication line (not shown), the simple consultation terminal 2 is connected to a consultation center 5 by a communication line (not shown), and the host computer 4 and the consultation center 5 are not shown. They are connected by a communication line.

FIG. 2 is a block diagram of the automation equipment. As shown in the figure, the automation device 1 includes a touch panel 6, a consultation statement slip issuing section 7, a consultation statement slip reading section 8, a cash processing section 9, a control section 10, a card processing section 11, a storage section 12,
The communication control unit 13 is mainly provided. The touch panel 6
Is for displaying a guidance screen, selection keys, and the like, and for inputting data by touching the selection keys with a finger or the like. The consultation statement slip issuing unit 7 prints a two-dimensional barcode and issues the consultation statement slip 3, and the consultation statement slip reading unit 8 reads the two-dimensional barcode of the consultation statement slip 3. The cash processing unit 9 controls the operation of cash deposit / withdrawal processing. The card processing unit 11 reads and writes a card such as a cash card. The control unit 10 controls the entire processing of the automation device 1. The storage unit 12 stores a program for the control unit 10 to execute a process. The communication control unit 13 includes:
The communication with the host center 4 is controlled.

FIG. 3 is a block diagram of the simplified consultation terminal. As shown in the figure, the simple consultation terminal 2 includes a touch panel 15, an image input unit 16, a voice input / output unit 17, a consultation statement slip reading unit 18, a consultation statement slip issuing unit 19, a control unit 20, a document issuing unit 21, a card It mainly includes a processing unit 22, a storage unit 23, and a communication control unit 24. The touch panel 15
Is for displaying a guidance screen, selection keys, and the like, and for inputting data by touching the selection keys with a finger or the like. The image input unit 16 is for inputting an image such as a face of a customer who uses the simple consultation terminal 2. The voice input / output unit 17 inputs voice of a customer and outputs voice of a consultant transmitted from the consultation center 5 as described later. The consultation statement slip reading section 18 reads the consultation statement slip 3 and the consultation statement slip issuing section 19
Prints the consultation statement 3. The document issuing unit 21
Is to issue a document such as a contract or consultation result according to the transaction when the transaction is concluded by the consultation. The card processing unit 22 reads the cash card at the time of the transaction and responds to the transaction. Issuing a card. The control unit 20 controls the entire processing of the simple consultation terminal 2. The storage unit 23 stores a program that the control unit 20 executes. The communication control unit 24 controls communication with the consultation center 5.

[0010] The host center 4 is provided with a database (not shown) of customer accounts. Further, the consultation center 5 is provided with a terminal for a consultant (not shown), and the consultant operates the terminal for the consultant to communicate with the simplified consultation terminal 2 for consultation with a customer. I have to respond. 4 to 6 are illustrations of examples of the format of the consultation statement slip. FIG.
FIG. 6 shows a format after consultation with a simple consultation terminal, and FIG. 6 shows a format after use with an automation device after consultation. That is, as shown in FIG.
Usage history, "bank number,""branchnumber,""card account number,""card issuance date and time,""depositbalance,""address, name, phone number, etc. as current CIF information,""host management data,""transactionhistory,"" Items such as unrecorded data, "validation period of consultation slip", and "others" are converted into a two-dimensional barcode and printed on the consultation slip 3. The amount of information at the time of issuance from the automation device 1 is about 1000 bytes. For example, a two-dimensional bar code in a data matrix format called a data code can store 1000 Chinese characters and 2000 alphanumeric characters. Two two-dimensional barcodes. Also, usually, the stored information is encrypted in consideration of the security, and then converted into a two-dimensional bar code and printed. As shown in FIG. 5, after consultation at the simple consultation terminal 2, “post-processing required / unnecessary”, “transaction item”, “transaction amount”
"New account number""Issuing medium type""Other input items"
Is newly added, and 2 is added in the same manner as when issuing from the automation equipment 1.
Dimensional barcode and print. As shown in FIG. 6, after the consultation is used by the automated device after the consultation, the consultation statement 3 becomes unnecessary, so "post-processing required / unnecessary" is changed to information indicating that post-processing is not required, and the two-dimensional barcode is changed. And print it. Further, when the post-processing becomes unnecessary in the consultation at the simple consultation terminal 2, the information is changed to that effect and converted into a two-dimensional bar code and printed. “Issue / use history” is for identifying a device that can use the consultation statement 3. The identification is preferably represented as a state transition, for example, “1” when issued from the automation device 1, “2” after consultation with the simple consultation terminal 2, and “3” after use with the automation device 1 after consultation "
In the state of "1", the usable state on the simple consultation terminal 2,
In the state of "2", the state in which it can be used in the automation device 1,
In the state of “3”, both the automation equipment 1 and the simple consultation terminal 2 identify the state as unusable. In particular, the state transition “3” is a state for preventing a double transaction. The state transition “3” may be identified by overwriting the two-dimensional barcode portion of the consultation statement sheet 3 with a print that cannot be read. However, the consultation has been completed or the two-dimensional barcode cannot be read. Since it is not possible to identify the presence or absence of an accurate message to the customer, it is preferable to change the state transition "3" as issuance / use history information and print it as a two-dimensional barcode as described above.

Next, an outline of a consultation processing system for processing according to the present embodiment will be described. That is, in the automation device 1,
Various cards, such as a cash card, are inserted into the insertion slot of the card processing unit 11, a screen for confirming the presence or absence of consultation is displayed, and if a consultation request is selected, based on the customer's various cards, such as a cash card, The customer information registered in advance in the database of the host center 4 is acquired, and the customer information, the consultation request and the consultation content are converted into a two-dimensional barcode and printed, and the consultation statement slip 3 is issued to the customer. Next, when the customer brings the consultation statement slip 3 to the simple consultation terminal 2 and inserts it from the insertion slot of the consultation statement slip reading unit 18, the simple consultation terminal 2 starts The customer information, consultation request and consultation contents are read, and guidance for inserting a cash card into the card processing unit 22 is displayed, and the bank card, branch number, account number, and the like are inserted from the cash card into the card processing unit 22. It reads and compares the bank number, branch number, account number, etc. read from the consultation statement sheet 3 and, if they match, connects to the consultation center 5 corresponding to the consultation content of the consultation statement 3, and provides consultation request and consultation contents. Is transmitted to the consultation center 5 so that the customer can consult with the consultant. Then, the simple consultation terminal 2 adds the consultation result generated at the time of the consultation as additional information, converts the consultation result into a two-dimensional barcode, prints it, and issues a new consultation statement 3 to the customer.

After that, the customer brings the consultation statement slip 3 after the consultation to the automated equipment 1 and inserts it into the insertion slot of the consultation statement slip reading section 8 in order to execute a transaction related to the consultation. The automation device 1 reads the consultation result from the consultation statement slip 3 and executes a transaction according to the consultation result. Hereinafter, a transaction procedure in the automated device at the time of issuing the consultation statement sheet 3, a consultation process in the simplified consultation terminal after the issuance of the consultation statement sheet 3, and a transaction procedure in the automated device after the consultation will be described. The contents of the transaction with the automated device are, for example, a case of opening a deposit account, but the present invention is not limited to this and can be applied to a case where a customer wants to consult in a transaction performed with the automated device, and the description thereof will be omitted.

FIG. 7 is a flowchart for explaining a transaction procedure in the automated equipment when the consultation statement slip 3 is issued. S1:
In the automation device 1, a menu screen is displayed on the touch panel 6 in a transaction waiting state under the control of the control unit 10. On this menu screen, for example, as shown in FIG. 10, selection keys such as a “deposit” key are displayed. In the present embodiment, in particular, in the present embodiment, “various services” key, “asset consultation” key, and “sign language” A selection key for selecting a consultation with a consultant, such as a "consultation" key, is displayed. Here, it is assumed that the “various services” key is selected.

S2: When the “various services” key is selected, the automation apparatus 1 displays various service selection screens for selecting various services under the control of the control unit 10 on the touch panel 6. On the various service selection screen, for example, as shown in FIG. 11, a "deposit account opening" key, a "various loan consultation" key, a "credit card consultation" key, and a "dealing with consultation statement slip" A selection key for selecting various services such as a "" key is displayed on the touch panel 6. Here, it is assumed that the “deposit account opening” key is selected.

S3: In the automation device 1, when the “open deposit account” key is selected, the presence / absence confirmation screen for confirming the presence / absence of consultation under the control of the control unit 10 is displayed on the touch panel 6.
Is displayed, and the process proceeds to S4. Note that the presence / absence confirmation screen displays, for example, as shown in FIG. 12, a question text asking for the presence or absence of a consultation, and a selection key for selecting the presence / absence of a request. S4: In the automation device 1, by the processing of the control unit 10,
When the “unwanted” key is selected, the process proceeds to S5,
When the "desired" key is selected, the process proceeds to S14.
In the following processes, S5 to S13 are processes for opening an account when consultation with a consultant is not required.
S20 is a process for issuing the consultation statement sheet 3. The process of opening an account after consultation is shown in FIG. 9 and will be described later.

S 5: In the automation equipment 1, various service selection screens are displayed on the touch panel 6 under the control of the control unit 10. This various service selection screen includes, for example, FIG.
As shown in FIG. 5, the product selection keys such as the "goods savings deposit" key, the "automatic savings time deposit" key, and the "new type notification deposit" key are displayed. S6: In the automation device 1, when any one of the product selection keys is selected, the process proceeds to S7 under the control of the control unit 10. Here, it is assumed that the "automatic savings time deposit" key is selected.

S 7: In the automation equipment 1, the product content introduction selected under the control of the control unit 10 is retrieved from the storage unit 12 and displayed on the touch panel 6. On the product content introduction screen, for example, as shown in FIG.
Show keys. If the "confirm" key is selected, the process proceeds to S8.

S8: In the automation equipment 1, under the control of the control unit 10, the customer is prompted to insert a cash card, and at the same time, an input screen for a password related to the cash card is displayed on the touch panel 6, and the input is performed. Let it. S9: Under the control of the control unit 10, the automation device 1 displays an input screen for inputting personal information such as a transfer amount of the automatic reserve time deposit and a telephone number, and allows the user to input them.

S10: Under the control of the control unit 10, the automation device 1 displays on the touch panel 6 a confirmation screen for the transfer amount and personal information applied for in the above-mentioned S9. On the confirmation screen of the application contents, for example, as shown in FIG. 15, a "confirmation" key is displayed together with the application contents such as the account type, the amount, and the transfer date of the application. S11: When the automation device 1 detects that the “confirmation” key is pressed, the process proceeds to S12 under the control of the control unit 10.

S12: In the automation equipment 1, under the control of the control unit 10, the application content is transmitted to the host center 4 via the communication control unit 13. The host center 4 recognizes the contents of the application and determines whether the transaction has been completed or not, and transmits the determination result to the automation device 1. S13: The automation device 1 performs processing based on the received determination result. For example, when it is determined that the transaction is established, the cash card is returned, a statement slip and a new passbook are issued, and the process is terminated. If it is determined that the transaction has not been completed, the cash card is returned, a statement slip indicating that the transaction has not been completed is issued, and the process ends.

S14: When the "desired" key is depressed in S4, the automation device 1 takes out a description of the consultation from the storage unit 12 under the control of the control unit 10, displays it on the touch panel 6, and confirms it. Show keys. The explanation is, for example, a message for confirming the contents of the consultation, confirming that a fee is charged, and the like. S15: When the automation device 1 senses that the confirmation key is pressed in S14, the process is executed under the control of the control unit 10 in S1.
Move to 6.

S16: In the automation device 1, the guidance message and the confirmation key are taken out of the storage unit 12 under the control of the control unit 10, and displayed on the touch panel 6. The guidance message is, for example, a message indicating that consultation is to be performed at the simple consultation terminal. S17: When the automation device 1 detects that the confirmation key is pressed in S16, the process is executed by the control unit 10 in S1.
Move to 8.

S18: Under the control of the control unit 10, the automation device 1 transmits a request to the host center 4 via the communication control unit 13 to the effect that there is a consultation request, and requests transmission of customer information required for consultation. . The host center 4 obtains the customer information of the corresponding card account and transmits it to the automation device 1, and deducts the consultation fee from the corresponding card account.

S19: After acquiring the customer information of the corresponding card account, the automation device 1 displays a guidance message on the touch panel 6 indicating that the consultation statement 3 is to be issued under the control of the control unit 10. The guidance message is, for example, as shown in FIG. 16, "Please receive a cash card and a consultation statement. Please put the consultation statement in the simple consultation terminal on the right hand side of this corner. Can be displayed. " As shown in FIG. 4, the consultation statement slip issuing unit 7 converts the consultation content and customer information into a two-dimensional bar code, prints it on the consultation statement slip 3, and issues it. Following issuance of this consultation statement 3, the cash card is returned, the statement is released, and the process is terminated. Note that, at the time of printing on the consultation statement slip 3 here, for example, “1” representing a state transition is added to “issue / use history” to indicate that the simple consultation terminal 2 can be used. The information is changed to a two-dimensional bar code and printed. Here, it is assumed that “post-processing is required”.

FIG. 8 is a flowchart for explaining the consultation processing in the simplified consultation terminal after the issuance of the consultation statement slip 3 issued by the automation equipment 1. S1: The simple consultation terminal 2 displays a menu screen on the touch panel 15 in a transaction waiting state under the control of the control unit 20. On this menu screen, for example, as shown in FIG. 17, a description for selecting a process when there is a consultation statement slip 3 and a process when there is no consultation statement slip 3 is displayed. If the consultation statement slip 3 is inserted from the insertion slot of the consultation statement slip reading unit 18 of the simplified consultation terminal 2 in the transaction waiting state, the processing shifts to S2, and if there is no consultation statement slip 3, the "time deposit receipt When a selection key such as the "" key is pressed,
Transfer to 5.

S2: In the simple consultation terminal 2, the consultation statement slip reading and issuing section 17 reads the two-dimensional barcode information printed on the consultation statement slip 3, and checks the contents. The check is for confirming the validity of the consultation statement sheet 3, whether or not the consultation statement sheet 3 has been used for the first time after the issuance of the consultation statement sheet 3 and whether the consultation statement sheet 3 has expired. Here, whether or not the consultation slip 3 has been used for the first time after issuance is determined by checking whether or not "1" is stored in the "issuance / use history" shown in FIG. . S3: Guidance to insert a cash card is provided,
The card processing unit 11 inserts a cash card, and reads a bank number, a branch number, an account number, and the like from the cash card. S4: S for preventing fraudulent transaction using consultation statement 3
When the data such as the bank number, branch number, account number, etc. read from the cash card in step 3 is compared with the data such as the bank number, branch number, account number, etc. read from the consultation statement sheet 3 in S2, and the data match. Determines that the transaction is normal,
The processing is shifted to 5. If the result of the data comparison does not match, it is determined that the transaction is improper and the process proceeds to S9, where a message indicating that the consultation statement 3 does not correspond to the cash card is displayed on the touch panel 15 and the consultation statement 3 and Eject the cash card.

S5: The controller 20 of the simple consultation terminal 2 recognizes the contents of the consultation. S6: The control unit 20 of the simple consultation terminal 2 has the communication control unit 24
The corresponding consultation center 5 is called via. At this time, the contents of the consultation are transmitted to the consultation center 5. S7: Transmission / reception between the simple consultation terminal 2 and the consultation center 5 becomes possible. In the simple consultation terminal 2, the image of the customer is acquired by the image input unit 16 and transmitted to the consultation center 5, and the voice input / output unit 17 Enables the start of consultation dialogue between the customer and the consultant. At this time, the consultation center 5 displays the image of the customer and the contents of the consultation on the display unit of the consultant terminal (not shown). In this state, a so-called video conference function is provided between the simple consultation terminal 2 and the consultation center 5. Then, in the consultation dialogue here, the counselor grasps the needs of the customer, introduces the most suitable product, and performs processing related to issuance of the product that the customer likes. It should be noted that the consultation input items are appropriately input by the consultant at the consultation center 5 side in response to the voice response of the customer, transmitted to the simple consultation terminal 2 side, and the input contents are appropriately input to the touch panel 1.
It is preferable to consult with the customer while displaying it on the screen 5. Further, the consultation input item may be transmitted to the consultation center 5 by allowing the customer to appropriately input the information through the touch panel 15. In the case of a special consultation such as sign language consultation, the image of the consultant is input from the input unit on the consultant terminal (not shown), transmitted to the simple consultation terminal 2 and displayed on the touch panel 15 in real time. It may be.

S8: When a consultation result is obtained in the consultation in S7, the connection between the simple consultation terminal 2 and the consultation center 5 is terminated. In the section 19, a two-dimensional bar code is added to the consultation statement 3 as additional information and printed. At the time of the two-dimensional bar coding, as described above with reference to FIG.
Necessity / unnecessity of post-processing, transaction item of new account, transaction amount, new account number, issuing medium type and other input items are newly added and printed. In this case, for example, state transition “2” is written in “issuance / use history” to enable processing in the automation device 1 and post-processing is required. In addition,
In the consultation center 5, it is preferable that the consultation result is appropriately stored in a storage medium or printed out.

S9: At the simple consultation terminal 2, the consultation statement 3
Is brought to the automation equipment 1 and the consultation statement slip 3 is inserted into the insertion slot of the consultation statement slip reading unit 8 of the automation equipment 1 to display on the touch panel 15 a guidance message indicating that a transaction is to be performed. Then, if the consultation statement slip 3 on which the consultation result, the message to the customer, and the like are printed and the cash card is inserted, the cash card is ejected, and the process ends.

FIG. 9 is a flowchart illustrating a transaction procedure in the automated device after consultation. S1: In the automation device 1, a menu screen is displayed on the touch panel 6 in a transaction waiting state under the control of the control unit 10. As described above, this menu screen includes, for example,
In particular, as shown in FIG.
Selection keys for selecting a consultation with a consultant, such as an "asset consultation" key and a "sign language consultation" key, are displayed. The customer brings the consultation statement slip 3 after the consultation and goes to the automation device 1. Here, it is assumed that the “various services” key is selected.

S 2: Then, when the “various services” key is selected, the automation apparatus 1 displays various service selection screens for selecting various services under the control of the control unit 10 on the touch panel 6. As described above, for example, as shown in FIG. 11, the various service selection screen includes a “deposit account opening” key, a “various loan consultation” key, a “credit card consultation” key, and a “consultation details”. A selection key for selecting various services such as a "transaction by vote" key is displayed on the touch panel 6, and the process proceeds to the next step.

S3: Here, since the consultation has already been completed, if the customer selects the "Deal with consultation statement" key, the automation equipment 1 shifts the processing to the next. S4: In the automation device 1, under the control of the control unit 10, the guidance screen for inserting the cash card and the password input screen are sequentially displayed on the touch panel 6, and the customer is prompted to insert the cash card and input the password. Prompt, and when they are completed, the process proceeds to the next.

S5: In the automation device 1, under the control of the control unit 10, a guidance screen for inserting the consultation statement 3 is displayed on the touch panel 6, and the customer is prompted to insert the consultation statement 3, and the process is completed. Then, the process proceeds to the next. S6: Under the control of the control unit 10, the automation device 1 reads out data from the storage area of the cash card to the card processing unit 11 and checks the contents. Further, the consultation statement sheet reading unit 8 reads out the data printed on the consultation statement sheet in a two-dimensional bar code, and confirms the validity of the consultation statement sheet. That is, it is confirmed whether or not it has been used for the first time after the consultation, and whether or not it has expired. Here, whether or not it has been used for the first time after the consultation is indicated in the “issuance / use history” shown in FIG.
It is determined whether or not the state transition “2” has been written.
Here, it is assumed that post-processing is required.

S7: The automated equipment 1 displays on the touch panel 6 a confirmation screen for the transfer amount and personal information application contents, which are the consultation results printed on the consultation statement sheet 3 as a two-dimensional barcode. On the confirmation screen of the application contents, for example, as shown in FIG. 15, a "confirmation" key is displayed together with the application contents such as the account type, the amount, and the transfer date of the application. Here, it is assumed that the transaction item is the case of the automatic funded time deposit.

S8: When the automation device 1 detects that the “confirmation” key is pressed, the control unit 10 controls the process in S9.
Transfer to S9: Under the control of the control unit 10, the automation device 1 transmits the application content to the host center 4 via the communication control unit 13. The host center 4 recognizes the contents of the application and determines whether the transaction has been completed or not, and transmits the determination result to the automation device 1.

S10: Under the control of the control unit 10, the automation device 1 operates a passbook issuing unit (not shown) to issue a new passbook. S11: In the automated equipment 1, the consultation specification issuance unit 7 indicates that the transaction has been completed in the "issue / use history" and cannot be used in any device. For example, a two-dimensional bar is displayed as state transition "3". It is coded and printed on the consultation statement 3. Thereby, it is possible to prevent the same new passbook from being used again by using the consultation statement 3.

S12: Under the control of the control unit 10, the card processing unit 11, and the consultation statement form reading / issuing unit 7, the automated machine 1 returns the cash card and the consultation statement form 3, and discharges the statement form to perform processing. finish. According to the above-described embodiment, the automation equipment 1 that is a quick ATM issues a consultation statement 3 in which customer information is written, and the two-dimensional printed on the consultation statement 3 is printed by the simple consultation terminal 2 that functions as a slow ATM. By reading customer information from the barcode, the customer information can be used for consultation dialogue. That is, a quick AT that is host online and can process cash
A simple consultation terminal 2 that performs a transaction introduction part and a settlement part in an automated device that is M and functions as a slow ATM.
In this case, a time-consuming consultation process is performed. For this reason, since the interactive processing can be performed without affecting the overall processing in the quick ATM, the effect of preventing a decrease in the operating efficiency of the quick ATM can be obtained. In addition, since the accounting-related business after consultation is performed on the quick ATM side, a simple consultation terminal, which is a slow-type ATM, can be provided at a low cost, and the installation area can be reduced, so that the store can be reduced in size. The effect suitable for conversion is obtained. Therefore, it becomes useful for the business activities of the financial institution, and the customer can be consulted with the counselor.

Further, in the present embodiment, the case where one simple consultation terminal is used has been described as an example. However, the number of installed simple consultation terminals may be plural and the processing may be performed respectively. Further, in the present embodiment, the case of opening a deposit account is used as an example of the details of the transaction with the automated device. For example, open a new account, accept a loan application, settle,
Various consultations (including periodic consultations) such as asset consultations, various applications, various notifications such as address changes, transaction history display / printing, transfer destination registration, etc.

In the above-described embodiment, a description has been given of an example in which a simple consultation terminal prints and issues a new consultation statement as a consultation statement. It is also possible to pre-determine the position of the consultation slip that prints, print two-dimensional barcodes at each position using one consultation slip, and exchange information such as consultation details and consultation results. is there. Further, in the present embodiment, the case where the consultation statement was returned to the customer when the transaction was completed using the consultation statement was described. You may make it take in in the taking part which does not do.

[0040]

As described above, according to the present invention, a consultation statement sheet in which customer information is written is issued by an automation device that is a quick ATM, and is written into the consultation statement sheet by a simple consultation terminal that functions as a slow ATM. The read customer information can be read and the customer information can be used for consultation dialogue. That is, in an automated machine which is a host-on-line, cash-based ATM that can process cash, a transaction introduction part and a settlement part are performed, and a time-consuming consultation processing part is performed by a simple consultation terminal functioning as a slow-based ATM. Things. For this reason, since the interactive processing can be performed without affecting the overall processing in the quick ATM, the effect of preventing a decrease in the operating efficiency of the quick ATM can be obtained. In addition, since the accounting related business after consultation is performed on the quick ATM side, a simple consultation terminal functioning as a slow ATM can be provided at a low cost, and the installation area can be reduced. An effect suitable for miniaturization is obtained. Therefore, it is useful for the business activity of the financial institution, and the effect that the customer can be consulted with the counselor is obtained.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram of a consultation processing system.

FIG. 2 is a block diagram of an automation device.

FIG. 3 is a block diagram of a simple consultation terminal.

FIG. 4 is an exemplary diagram of a format of a consultation statement slip

FIG. 5 is an exemplary diagram of a format of a consultation statement slip

FIG. 6 is a view showing an example of a format of a consultation statement slip

FIG. 7 is a flowchart of a transaction procedure in an automated device.

FIG. 8 is a flowchart of consultation processing in a simple consultation terminal.

FIG. 9 is a flowchart of a transaction procedure after consultation with an automated device.

FIG. 10 is a diagram illustrating an example of a menu screen of an automation device.

FIG. 11 is a view showing an example of a screen for selecting various services of the automation equipment.

FIG. 12 is a view showing an example of a screen for confirming the presence / absence of consultation on automated equipment;

FIG. 13 is a view showing an example of a screen for selecting various services of the automation equipment.

FIG. 14 is a view showing an example of introduction of product contents in an automated device.

FIG. 15 is a view showing an example of a screen for confirming the contents of an application on an automated device.

FIG. 16 is a view showing an example of a guidance message screen of the automation device.

FIG. 17 is an exemplary diagram of a menu screen of a simple consultation terminal.

[Explanation of symbols]

 1 Automated equipment 2 Simple consultation terminal 3 Consultation statement 4 Host center 5 Consultation center

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Claims (7)

[Claims] 1. A consultation statement issuance section for issuing a consultation statement slip for printing consultation contents, consultation results and customer information in a two-dimensional bar code, and a database of a host center in advance based on various cards such as a customer's cash card. Automation to obtain customer information registered in the company and execute the various transactions, ask the customer to select the content of the consultation, and issue a consultation statement to the customer by printing the consultation content and customer information in a two-dimensional barcode When a customer and a customer insert a consultation slip issued by an automated device from the insertion slot of the consultation slip reader, the consultation details are grasped from the consultation slip and connected to the consultation center that corresponds to the consultation content A consultation terminal that enables consultation between the customer and the counselor and writes the consultation result at the time of the consultation in a consultation statement sheet is installed at a store such as a financial institution, and the simple consultation terminal concludes the consultation. A consultation processing system characterized in that the consultation statement sheet on which the result is written is read by the automated device side, and the consultation result is used for various transactions by the automated device side. 2. A housing having an operation key operated by a customer, an operation display unit for displaying data input by the operation key and a guidance message, and a card processing unit for reading and writing various cards such as a cash card. A two-dimensional bar code printing of consultation contents, consultation results, and customer information in an automated device installed in a store such as a financial institution and performing various transactions by operation control of various transactions based on a predetermined sequence according to a customer operation. A consultation statement issuance unit that issues a consultation statement is provided. When acquiring customer information registered in the database of the host center in advance based on various cards such as a customer's cash card and executing various transactions, the customer When you want to consult with a counselor, a selection key for selecting the content of the consultation is displayed on the operation display section, and when the selection key is selected by the customer, In this case, the consultation statement form issuing unit issues a consultation statement form in which consultation contents and customer information are printed using a two-dimensional barcode to the customer. 3. A consultation statement reading section is provided, and when a consultation statement in which a consultation result is written is inserted from an insertion slot of the consultation statement reading section, information printed with a two-dimensional barcode is read. 3. The automation apparatus according to claim 2, wherein a transaction is executed based on a result of the consultation. 4. An input unit for operating a customer to input data, a display unit for displaying the input data, a guidance message, a video of a consultant, and the like, and an image input unit for capturing a video of the customer and capturing it as image data. A voice input / output unit for inputting voices spoken by customers and outputting voices of consultants; a consultation statement issuing unit for printing and issuing consultation contents, consultation results and customer information in two-dimensional bar codes; and a card for reading and writing various cards When the customer inserts the consultation statement form from the insertion slot of the consultation statement form reading section with the processing section in the housing, the consultation statement form reading section reads the two-dimensional barcode of the consultation statement form and consults. A simple consultation terminal characterized by grasping the contents, connecting to a consultation center corresponding to the contents of the consultation, and enabling a customer to consult a consultant. 5. The simple consultation terminal according to claim 4, wherein a consultation result is additionally recorded in a consultation statement sheet. 6. When a transaction is concluded by consultation,
The simple consultation terminal according to claim 4, further comprising an issuing unit for issuing a card, a contract, and a document such as a consultation result according to the transaction. 7. The consultation statement according to claim 1, 2, 3 or 4, wherein the state of being usable by an automated device, the state of being usable by a simple consultation terminal, and the use of neither the automated device nor the simple consultation terminal. A consultation slip, wherein a history for distinguishing possible states is printed as two-dimensional barcode information.