JP2001175922A - Unmanned transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve client operability concerning client terminal equipment, which composes of an unmanned transaction system. SOLUTION: A printing mechanism 44 is provided on a first carrier path 42 for carrying an application in an image reading part 21 to a collection box 41, the system is provided with storage boxes 45a and 45b for feeding a contract and a paper sheet to become the copy of the contract to this first carrier path 42 and a first branch part 46 for feeding the completely printed contract and the copy of the contract to a second carrier path 43 connecting a document inserting/extracting port 23 and the image reading part 21, and an inserting port for the client to insert documents and an extracting port for the client to receive documents are unified.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an unmanned transaction in which a customer operates a customer terminal device to apply for a contract in a financial institution or the like, and an operator examines and makes a contract at a remote center terminal device. It is about the system.

[0002]

2. Description of the Related Art Conventionally, in financial institutions and the like, devices for automatically executing cash deposit / withdrawal and other processes by customer operations have been widely used. When a customer uses a predetermined financial product such as a cash card, procedures such as filling out and submitting a contract application form are required. Conventionally, such procedures have been processed at the counter of a financial institution directly under the guidance of a guide, but in recent years, documents such as application forms written by customers have been read with an image scanner, and the acquired image data has been managed at the head office. An unmanned transaction system that sends a contract to the center to apply for a contract has appeared.

In this unmanned transaction system, an image reading unit equipped with an image scanner is mounted on a customer terminal device operated by a customer, and the image reading unit acquires image data of an application form and sends the image data to a management center. The data is displayed on the center terminal operated by the operator to check the contents. If there is no mistake in the items entered by the customer, the data is stored in a file along with image data such as identification cards, and a contract is issued on the customer terminal. I do. The application form and the contract signed by the customer are taken into the customer terminal device, and a copy thereof is given to the customer. As described above, the application procedure by only the customer is made possible, and the burden on the window of the financial institution is reduced.

[0004]

The customer terminal device in the above-described unmanned transaction system is provided with a mechanism for collecting an application or the like from which the image data has been acquired.
On the other hand, the customer terminal device is provided with a printer for issuing a contract and a copy thereof. Conventionally, a mechanism for collecting an application and the like and a mechanism for issuing a contract and the like are independent, and the amount of hardware is large, and maintenance is also troublesome.

Further, the document input port for setting an application or the like in the image reading section and the document output port for issuing a contract or the like from the printer are separated, so that operability is poor. Met.

[0006]

In order to solve the above-mentioned problems, the invention according to claim 1 of the present invention obtains image data of an application form set in an image reading section of a customer terminal device, and obtains the image data. In an unmanned transaction system that sends the image data to the center terminal device and checks the contents, and issues a contract at the customer terminal device, a printing mechanism is provided on the transport path that transports the application form in the image reading unit to the collection box, The contract before printing is sent to the transport path, the printing is performed by the printing mechanism, and then the printed contract is transported to a document loading / unloading port for receiving an application to be set in the image reading unit. It is an unmanned transaction system.

According to a second aspect of the present invention, in the unmanned transaction system according to the first aspect, when the application form in the image reading unit is collected in the collection box, the number is printed by the printing mechanism. An unmanned transaction system characterized in that when the contract document in the image reading unit is collected in the collection box, the same number as the number printed on the paired application form is printed by the printing mechanism.

[0008]

FIG. 1 is an explanatory view showing a first embodiment of an unmanned transaction system according to the present invention. FIG. 1 shows an unmanned transaction system according to a first embodiment of the present invention. 2 shows a main configuration of a customer terminal device. FIG. 2 is an explanatory diagram showing an outline of the overall configuration of the unmanned transaction system. First, the overall configuration of the unmanned transaction system will be described with reference to FIG.

[0009] The customer terminal device 1 is a device operated by the customer 2, and is connected to the center terminal device 4 via the communication network 3. The center terminal device 4 is a device operated by an operator 5. The center terminal device 4 is connected to a plurality of customer terminal devices 1 via a communication network 3 and executes a transaction in the customer terminal devices 1. Data is exchanged between the existing customer terminal device 1 and the center terminal device 4.

The operator 5 can operate the center terminal device 4 to send guidance via the communication network 3 to the customer terminal device 1 that is executing a transaction. Output guidance by voice or image.
Then, the customer 2 operating the customer terminal device 1 fills in a document such as an application form or sets a completed or brought document to a predetermined position while receiving appropriate guidance from the operator 5 operating the center terminal device 4. I do.

FIG. 3 is an external perspective view of the customer terminal device.
On the upper front part of the main body cabinet 11 of the customer terminal device 1, a speaker 12, a person camera 13, a proximity sensor 14, and a hand camera 15 are provided side by side. Speaker 12
Outputs a series of operation guidance and voices such as guidance from the operator to the customer. The human camera 13
A camera for photographing a customer sitting in front of the customer terminal device 1, and the image is sent to the center terminal device 4.

The proximity sensor 14 detects a customer approach in order to automatically start a transaction operation. The hand camera 15 is a camera that captures a hand when a customer signs a document such as an application form or performs a transaction, and the image is sent to the center terminal 4. A display unit 16, a touch panel unit 17, a handset 18, a microphone 19, a document entry table 2 are provided at the center of the front of the main body cabinet 11.
0, an image reading section 21, a card issuing port 22, and a document loading / unloading port 23 are provided.

The display unit 16 is a display for displaying guidance and the like for customers. When a virtual key displayed on the display unit 16 is pressed, the touch panel unit 17 detects the pressure and executes a predetermined process.
The handset 18 is for a customer to call an operator. The microphone 19 is for receiving the input of the voice of the customer and sending it to the center terminal device 4.

The document entry table 20 has a horizontal surface and is used when a customer fills out an application form or signs a contract. The document entry table 20 is provided with a lid 20a that can be opened and closed, and an image reading unit 21 is provided below the lid 20a. This image reading unit 21
Read the application form and identification card to obtain image data. Then, the acquired image data is sent to the center terminal 4.

[0015] When the contract is concluded, the card issuing port 22
This is for issuing a card to a customer. The document input / output port 23 is for receiving an application form, a contract form, and the like, and receiving and discharging a contract form, a copy of the contract form, and the like, and is located at the back of the lid 20a. The application and contract set in the document input / output port 23 are conveyed to the image reading unit 21 by a conveying path (not shown), and are set at a predetermined position of the image reading unit 21 to obtain image data. The application and contract for which the image reading unit 21 has completed the acquisition of the image data are sent from the image reading unit 21.
Again, the paper is conveyed to the collection box by a conveyance path (not shown).

Here, a contract or the like before printing is sent out from a storage box (not shown), and the
The document is sent to a transport path connecting the printer 1 and the collection box, printing is performed by a printing mechanism provided in the transport path, and the document is discharged from the document loading / unloading port 23. The details of the processing mechanism for these documents will be described later. FIG. 4 is a block diagram of the customer terminal device.

The control unit 28 controls the entire operation of the customer terminal device 1 and has a storage unit 29 therein. The control unit 28 includes a speaker 12, a proximity sensor 14, a display unit 16, a touch panel unit 17, an image reading unit 21,
The card issuing unit 22a, the document taking-in mechanism 23a, and the printer unit 23b are connected.

The card issuing unit 22a issues necessary items, for example, by magnetic recording on the card.
The card processed in 2a is issued from the card issuing port 22. The document taking-in mechanism 23a is provided with the document loading / unloading port 2
The application and the contract set in 3 are taken in, and are conveyed to the image reading unit 21 and set at a predetermined position, or the application and the contract in the image reading unit 21 are conveyed to a collection box. Further, the contract or the like before printing is fed out of the storage box, and is conveyed to the document input / output port 23.

The printer unit 23b is provided with the document take-in mechanism 2
A copy of the contract conveyed in 3a or a signed contract is printed. The image data acquired by the image reading unit 21 is stored in the storage unit 29. The multimedia communication control unit 25 is connected to the control unit 28. The multimedia communication control unit 25 performs control for transmitting a video of a customer, a voice of the customer, and the like to the center terminal device 4, and the person camera 13, the hand camera 15, the microphone 19, and the handset 18 are connected. .

Further, the control unit 28 is connected to a LAN or a communication network. FIG. 5 is an external view of the center terminal device. The center terminal device 4 operated by the operator includes a control unit 3 having a display 31, a keyboard 32, a mouse 33, and the like.
8, a camera 34, a headset 35, a multimedia communication device 36, and a printer 37. The camera 34 displays the operator's face on the display unit 16 of the customer terminal device 1.
The operator's face is photographed in order to be displayed on the screen. The headset 35 listens to the voice of the customer with the receiver 35b and inputs the voice of the operator with the microphone 35a. The multimedia communication device 36 is a device for transmitting and receiving audio and images. The printer 37 prints out items required by the operator.

FIG. 6 is a block diagram of the center terminal device. The control unit 38 controls the entire operation of the center terminal device 4 and includes a storage unit 39 therein. The storage unit 39 stores data such as images of fixed form documents. The control unit 38 controls the display 31, the keyboard 32, the mouse 33, the multimedia communication device 36, and the printer 37 connected thereto.

Then, the control unit 38 is connected to the LAN,
It is connected to the control unit of the customer terminal device connected to the same LAN and the control unit of the customer terminal device connected via another communication network. Next, the details of the first embodiment of the present invention will be described with reference to FIG. 41 is a collection box for collecting and storing application forms and the like, 42 is a first conveyance path connecting the collection box 41 and the image reading unit 21, and 43 is connecting the document loading / unloading port 23 and the first conveyance path 42. The second transport path 44 is a printing mechanism provided in the first transport path 42, 45a
Is a storage box for storing paper to be a contract, 45b is a storage box for storing paper to be a copy of the contract, 46
Is a first branch unit 47 for switching the transport direction of an application or the like at the junction of the first transport path 42 and the second transport path 43.
Indicates a transport path to the collection box 41 in the first transport path 42 and the storage box 45a or the storage box 45b.
This is a second branching section that switches the direction of conveyance of the application form and the like at the confluence of the conveyance path from, and as the document take-in mechanism 23a, a conveyance roller and a conveyance roller (not shown) that feed out and convey the application form and the like are provided. It is provided with a motor for driving, a sensor for detecting the position of an application form and the like.

The printing mechanism 44 includes a printing head, a platen, and the like.
b, the contract box or the copy of the contract sent from the storage box 45a or the storage box 45b to the first transport path 42 is printed on a sheet before printing, and the contract or the copy of the contract is printed. create. The first branching unit 46 switches the conveying direction of the application form or the contract document in the image reading unit 21 to the direction of the document loading / unloading port 23 or the direction of the collection box 41 by a blade (not shown) and a driving mechanism of the blade. . In the first branching unit 46, the transport direction of the contract or a copy of the contract sent from the storage box 45a or 45b to the first transport path 42 is switched to the direction of the document loading / unloading port 23. Further, the transport direction of the application, the contract, and the copy of the contract in the document input / output port 23 is switched between the image reading unit 21 and the collection box 41 in accordance with the progress of the transaction.

The second branching section 47 is composed of a blade (not shown) and a driving mechanism for the blade.
The transfer direction of the application form or contract form transferred from 1 is switched to the collection box 41 direction. Also, this second
Branching portion 47 switches the transport direction so that the contract or a copy of the contract sent out from the storage box 45a or the storage box 45b can be sent to the first transport path 42.

The image reading unit 21 has a reading surface large enough to simultaneously carry an application form and an identification card such as a license. An openable / closable lid 20a is provided on a portion of the image reading unit 21 on which the identification card is placed, so that the customer can access the lid 20a. On the contrary,
The portion of the image reading section 21 on which the application form is placed is not opened and closed, and a partition 48 is provided between the portion of the image reading section 21 on which the identification card is placed and the section on which the application form is placed. The customer cannot access the part of the part 21 on which the application form is placed. It should be noted that the application form is set in the document input / output port 23 with its entry surface facing upward, and the trouble of the customer turning over the completed application form at the time of setting the completed application form in the document input / output port 23 is eliminated. I try to omit it.

Further, since the size and thickness of the identification card, such as a license or a health insurance card, are not uniform, the customer must set the identification card directly on the reading surface of the image reading section 21. There is. In order for the customer to directly set the identification card on the reading surface of the image reading section 21, the portion of the image reading section 21 on which the identification card is placed is located below the document table 20 shown in FIG. The document input / output port 23 is located at the back of the lid 20a of the document entry table 20, and the second transport path 43 is used for arranging the application form and the identification card on the reading surface of the image reading unit 21.
Is U-shaped.

Next, the operation of the first embodiment of the present invention will be described. The following operation will be described as an example of a case where a customer operates a customer terminal device to exchange a contract with a financial institution and issue a cash card. FIGS. 7 and 8 are flowcharts showing the flow of processing according to the first embodiment of the present invention. FIG. 7 obtains an application form filled in by a customer and image data of an identification card brought by the customer. FIG. 8 shows the subsequent operation, that is, the process after issuance of the contract.

FIG. 9 is an explanatory diagram showing the flow of documents in the first embodiment, in which the transport path of a document such as an application form in the customer terminal device described in FIG. 1 is indicated by an arrow. The operation will be described below. When the customer 2 approaches the customer terminal device 1, the approach of the customer is detected from the output of the proximity sensor 14, and the control unit 28 displays guidance on the display unit 16.

The customer 2 operates the touch panel 17 according to the guidance and selects a transaction item. Here, it is assumed that a transaction for issuing a cash card is selected. Further, the customer 2 inputs information for specifying the type of the identification card brought from the touch panel unit 17. Information input by the customer 2 from the customer terminal device 1 is transmitted to the center terminal device 4 via the communication network 3.

Next, the customer 2 creates an application form according to the guidance (SA1). That is, the customer 2 fills in an application form with necessary items. Note that the customer 2 may bring an application that has been completed in advance. The customer 2 places the completed application form with the entry side up and a document input / output port 23.
(SA2). When the application form is set in the document loading / unloading port 23, the document is taken in by the document capturing mechanism 23a (SA3) and sent to the image reading section 21, as indicated by the arrow in FIG. That is, the control unit 28
In the first branching section 46, the conveyance direction of the application form from the document input / output port 23 is switched to the image reading section 21 and the conveyance roller (not shown) is rotated to set the application form set in the document input / output port 23. To the second transport path 4
The image data is sent to the image reading unit 21 by the third conveyance path 42 and the first conveyance path 42.

When the control unit 28 determines that the application form has been conveyed to a predetermined position of the image reading unit 21, the control unit 28 provides guidance to the display unit 16 to prompt the customer to set the ID card brought by opening the lid 20a. Or by using the speaker 12. The customer 2 receives the guidance and
a is opened, and the identification card is set in the image reading unit 21 (SA4).

Here, since the partition 48 is provided between the portion of the image reading section 21 on which the application form is placed and the section on which the identification card is placed, the identification card is transferred to the image reading section 21.
When setting the image reading unit, even if the lid 20a is opened, it is not possible to access the application form already inhaled and set in the image reading unit 21. When the customer 2 sets the identification card in the image reading section 21, the customer 2 closes the lid 20a.

When the control unit 28 detects that the lid 20a has been closed from the output of a sensor (not shown), the control unit 28 controls the image reading unit 21 to execute a reading operation (SA).
5). At this time, both the application form and the identification card are read at a time to obtain image data. Then, the acquired image data is transmitted to the center terminal device 4, and the control unit 38 of the center terminal device 4 stores the received application form and the image data of the identification card in the storage unit 39.

On the other hand, on the center terminal device 4 side, the transmitted application form and the image data of the identification card are displayed on the display 31, and the operator confirms it.
The operator 5 looks at the image of the application form and the image of the identification card displayed on the display 31 to confirm the contents of the application form entered by the customer 2 (SA6), and confirms the position of the identification card and the contents. Confirm (SA
7).

If the content of the application form is inadequate in the judgment of SA6, the operator 5 operates the keyboard 32 and the mouse 33, returns the application form to the customer terminal device 1, and returns the display form to the display unit. 16 instructs the application 16 to output guidance for correcting the application form.
, The operator 5 inputs voice guidance to the customer 2.

When the control unit 28 of the customer terminal device 1 receives an instruction to return the application form from the center terminal device 4, the control unit 28 in the first branching unit 46 changes the transport direction of the application form from the image reading unit 21 to the document input. Switching to the direction of the take-out port 23, as shown by the arrow in FIG. 9, the application form in the image reading section 21 is conveyed to the document input / take-out port 23 by the document take-in mechanism 23a and discharged (SA8). And the display unit 1
6 outputs guidance from the headset 35 of the center terminal device 4 and voice guidance from the speaker 5 to the customer 2 from the speaker 12.

The customer 2 receives the application form discharged from the document input / output port 23, modifies the application form in accordance with the video guidance from the display unit 16 and the voice guidance from the speaker 12, and completes the modification. Book
The document is set in the document loading / unloading port 23 with the entry surface facing up (SA2). When the corrected application form is set in the document loading / unloading port 23, it is sucked by the document capturing mechanism 23a as shown by the arrow in FIG.
3) The image is sent to the image reading unit 21 and the reading operation is performed by the image reading unit 21 (SA5). At this time, both the application form and the identification card already set are read at a time to obtain image data. Then, the acquired image data is transmitted to the center terminal device 4, and the control unit 38 of the center terminal device 4 overwrites and stores the received application form and the image data of the identification card in the storage unit 39.

If the position of the identification card is inadequate in the judgment of SA7, the operator 5 operates the keyboard 32 and the mouse 33 to display the display unit 1 on the customer terminal device 1.
6 issues an instruction to output guidance for correcting the position of the identification card, and the operator 5 himself / herself inputs voice guidance to the customer 2 from the headset 35.

Upon receiving an instruction to correct the position of the identification card from the center terminal device 4, the control unit 28 of the customer terminal device 1
The display unit 16 outputs the guidance for opening the lid 20a and resetting the identification card, and the operator 5 himself / herself from the headset 35 of the center terminal device 4
The voice guidance input to the speaker 12
Output from

In response to this guidance, the customer 2
0a, open the ID card again, and re-open the lid 20a
Is closed (SA4). When detecting that the lid 20a has been closed from the output of a sensor (not shown), the control unit 28 controls the image reading unit 21 to execute a reading operation (SA5). At this time, both the application form already taken in and the reset identification card are read at a time to obtain image data. Then, the acquired image data is transmitted to the center terminal device 4, and the control unit 38 of the center terminal device 4 overwrites and stores the received application form and the image data of the identification card in the storage unit 39.

If there is no deficiency in the contents of the application form and there is no deficiency in the position of the ID card, the operator 5 examines the contents of the contract, and when the examination is passed, the operator 5 operates the keyboard in order to proceed to the procedure for issuing the contract. By operating the mouse 32 and the mouse 33, the customer terminal 1 is instructed to issue a contract. When the control unit 28 of the customer terminal device 1 receives the instruction to issue a contract from the center terminal device 4, the control unit 28 collects the application form in the image reading unit 21 as shown by the arrow in FIG. It is conveyed to the box 41 and collected (SA9).
That is, in the first branching unit 46, the conveyance direction of the application form from the image reading unit 21 is switched to the collection box 41, and the application form in the image reading unit 21 is conveyed through the first conveyance path 42 and collected. Collect in Box 41.

Further, in order to return the identification card, guidance is output from the display unit 16 and the speaker 12, and
Encourages to receive ID. Receiving this guidance, the customer 2 opens the lid 20a and receives an identification card (SA10). A partition 48 is provided between the portion of the image reading section 21 on which the application form is placed and the portion on which the identification card is placed, and even if the lid 20a is opened, it is not possible to perform an illegal operation such as replacing the application form. A return operation of the identification card can be performed in parallel with the operation of collecting the application form. When the lid 20a is opened, the state in which the application form remains in the image reading unit 21 is allowed. Can be achieved.

Next, the control unit 28 of the customer terminal device 1 transports the contract sheet fed from the storage box 45 a to the first transport path 42 in the second branching unit 47 so that it can be sent to the first transport path 42. The direction is switched, and as shown by the arrow in FIG. 9, the paper serving as the contract is delivered from the storage box 45 a and sent to the first transport path 42. Then, the printer unit 23 b is controlled, and the first
The contract is created by printing necessary items on the paper that will be the contract to be conveyed through the conveyance path 42. Then, in the first branch section 46, the transport direction of the contract sent from the storage box 45a to the first transport path 42 is switched to the direction of the document input / output port 23, and as shown in FIG. From the first transport path 42 to the second transport path 43, and is discharged from the document input / output port 23 (SA1).
1). Here, a printing mechanism 44 is provided above the first transport path 42.
Is sent by the first branching unit 46 to the document loading / unloading port 23 without passing through the image reading unit 21, so that the customer 2 can issue the contract with the print side up. it can.

The customer 2 receives this contract and signs it (SA12). Then, the customer 2 sets the signed contract in the document input / output port 23 with the entry side up (SA13). The contract is a document input / output port 2
3, the document is taken in by the document take-in mechanism 23a as shown by the arrow in FIG.
Send to 1. That is, the control unit 28 switches the transport direction of the contract from the document loading / unloading port 23 to the image reading unit 21 in the first branching unit 46, and transfers the contract set in the document loading / unloading port 23 to the first. The sheet is sent to the image reading section 21 by the second conveyance path 43 and the first conveyance path 42.

When it is determined that the contract has been conveyed to the predetermined position of the image reading section 21, the image reading section 21 is controlled to execute a reading operation (SA14). Then, the acquired image data is transmitted to the center terminal device 4, and the control unit 38 of the center terminal device 4 stores the received image data of the contract in the storage unit 39. The acquired image data is also stored in the storage unit 29 of the customer terminal device 1.

On the side of the center terminal device 4, the image data of the sent contract is displayed on the display 31.
Confirmation by the operator 5 is performed. Operator 5
The signature of the customer 2 is confirmed by looking at the image of the contract displayed on the display 31 (SA15). SA1
If it is determined in the step 5 that the signature of the contract is incomplete, the operator 5 operates the keyboard 32 and the mouse 33 to return the contract to the customer terminal device 1 and corrects the signature from the display unit 16. Is issued, and the operator 5 himself / herself inputs voice guidance to the customer 2 from the headset 35.

When the control unit 28 of the customer terminal device 1 receives the contract return instruction from the center terminal device 4, the first branching unit 46 changes the transport direction of the contract document from the image reading unit 21 to the document input. Switching to the direction of the take-out port 23, the contract document in the image reading section 21 is conveyed to the document input / take-out port 23 by the document take-in mechanism 23a and discharged as shown by the arrow in FIG. 9 (SA16). Then, the guidance is output from the display unit 16, and the operator 5 himself / herself receives the guidance from the headset 35 of the center terminal device 4.
The voice guidance input to the speaker 12
Output from

The customer 2 receives the contract discharged from the document input / output port 23, modifies the signature of the contract in accordance with the video guidance from the display unit 16 and the voice guidance from the speaker 12, and ends the modification. With the written contract facing up, the document input / output port 23
Set to. When the modified contract is set in the document loading / unloading port 23, as shown by the arrow in FIG. 9, the document is taken in by the document capturing mechanism 23a, sent to the image reading unit 21, and sent to the image reading unit 21. (SA14). Then, the acquired image data is transmitted to the center terminal device 4, and the control unit 38 of the center terminal device 4 overwrites and stores the received image data of the contract in the storage unit 39.

If there is no defect in the signature of the contract according to the judgment of SA15, the operator 5 operates the keyboard 32 or the mouse 3
3 to instruct the customer terminal device 1 to collect the contract and issue a copy of the contract. When the control unit 28 of the customer terminal device 1 receives an instruction to collect the contract and issue a copy of the contract from the center terminal device 4, first, the contract in the image reading unit 21 is indicated by an arrow in FIG. Next, the document is taken into the collection box 41 by the document take-in mechanism 23a and collected (SA17). That is, the first branch unit 4
In 6, the transport direction of the contract from the image reading unit 21 is switched to the collection box 41, and the contract in the image reading unit 21 is transported through the first transport path 42 and collected in the collection box 41.

Next, the control unit 28 of the customer terminal device 1 sends a copy of the contract sent out from the storage box 45b to the first transport path 42 in the second branching unit 47.
The paper is fed out from the storage box 45b and fed to the first transport path 42 as shown by an arrow in FIG. The printer unit 23b is controlled by using the image data of the contract document stored in the storage unit 29, and the printing mechanism 44 controls the printer unit 23b to copy necessary items on a copy of the contract document conveyed through the first conveyance path 42. And make a copy of the contract. Then, in the first branch part 46, the transport direction of the copy of the contract sent from the storage box 45b to the first transport path 42 is switched to the direction of the document input / output port 23, and as shown in FIG. First copy of contract
From the paper path 42 to the second paper path 43, and is discharged from the document inlet / outlet 23 (SA18).

Further, the card issuing section 22a is controlled to store necessary items on the card, and is issued from the card issuing port 22 (SA19). When the customer receives a copy of the contract from the document input / output port 23 and receives the card from the card issue port 22, the transaction for issuing the cash card ends.
Here, even if a certain period of time has elapsed since the control unit 28 determines that the customer 2 has left the customer terminal device 1 based on the output of the proximity sensor 14, a copy of the contract document is input and retrieved from the output of the sensor (not shown). If it is in the mouth 23, it is determined that the customer 2 has forgotten to take a copy of the contract, and the transport direction of the copy of the contract in the document input / output port 23 in the first branching unit 46 is changed to the direction of the collection box 41. Switching, a copy of the contract document in the document loading / unloading port 23 is collected in the collection box 41 by being conveyed through the second conveyance path 43 and the first conveyance path 42 as shown in FIG. In the case where the customer 2 leaves the customer terminal device 1 during the contract and the application or the contract remains in the document input / output port 23, similarly to the collecting operation of the copy of the contract described above,
Collect in the collection box 41. As a result, the customer who uses the customer terminal device 1 later does not use the customer's application form, contract, or copy of the contract which was used before.

According to the first embodiment of the present invention described above, a printing mechanism is provided in the transport path for transporting the application form or the contract document in the image reading section to the collection box, and the contract or contract before printing is provided. Sending a copy of the document to the transport path and performing printing by the printing mechanism, and then transporting the printed contract to an application form to be set in the image reading unit or a document input / output port for receiving the contract. Because the transport path for collecting applications and other documents in the image reading unit can be shared with the transport path for issuing contracts, etc. Collection box and a collection box for storing copies of contracts that customers have forgotten, etc.
The amount of hardware can be reduced, the space of the entire customer terminal device can be reduced, and the maintainability can be improved by reducing the amount of hardware. In addition, since the outlet for taking out the document to be discharged from the customer terminal device to the customer and the entrance for putting the document into the customer terminal device can be unified, the operability for the customer can be improved.

Next, a second embodiment of the present invention will be described. Note that, in the second embodiment, the configuration of the entire unmanned transaction system is the same as that of the first embodiment, and the operation at the time of collecting the application form and the contract is the same as that of the first embodiment. Are different. The operation of the second embodiment will be described below using the configuration described with reference to FIGS.

FIGS. 10 and 11 are flow charts showing the flow of processing according to the second embodiment of the present invention.
FIG. 10 shows a process of acquiring an application form filled in by a customer and image data of an identification card brought by the customer and returning these documents. FIG. 11 shows the subsequent operation, that is, the process after the issuance of a contract. Indicates processing. FIG. 12 is an explanatory diagram showing the flow of documents in the second embodiment, in which the transport path of a document such as an application form in the customer terminal device described in FIG. 1 is indicated by an arrow.

When the customer 2 approaches the customer terminal device 1, the approach of the customer is detected from the output of the proximity sensor 14, and the control unit 28 displays the guidance on the display unit 16. The customer 2 operates the touch panel 17 according to the guidance and selects a transaction item. Here, it is assumed that a transaction for issuing a cash card is selected. Further, the customer 2 inputs information for specifying the type of the identification card brought from the touch panel unit 17. Information input by the customer 2 from the customer terminal device 1 is transmitted to the center terminal device 4 via the communication network 3.

Next, the customer 2 creates an application form according to the guidance (SB1). That is, the customer 2 fills in an application form with necessary items. Note that the customer 2 may bring an application that has been completed in advance. The customer 2 places the completed application form with the entry side up and a document input / output port 23.
(SB2). When the application form is set in the document input / output port 23, as shown by the arrow in FIG.
The document is taken in by the document take-in mechanism 23a (SB3) and sent to the image reading section 21. That is, the control unit 28
Is the document input / output port 2 in the first branch section 46.
3 is switched to the direction of the image reading unit 21 and a transport roller (not shown) is rotated to transfer the application form set in the document loading / unloading port 23 to the second transport path 43 and the first transport path. The image is sent to the image reading unit 21 through the path 42.

When the control unit 28 determines that the application form has been conveyed to a predetermined position of the image reading unit 21, the control unit 28 provides guidance to the display unit 16 to prompt the customer to open the lid 20a and set the ID card brought. Or by using the speaker 12. The customer 2 receives the guidance and
a is opened, and the identification card is set in the image reading section 21 (SB4).

Here, since the partition 48 is provided between the portion of the image reading section 21 on which the application form is placed and the portion on which the identification card is placed, the identification card is transferred to the image reading section 21.
When setting the image reading unit, even if the lid 20a is opened, it is not possible to access the application form already inhaled and set in the image reading unit 21. When the customer 2 sets the identification card in the image reading section 21, the customer 2 closes the lid 20a.

When detecting that the cover 20a is closed from the output of a sensor (not shown), the control unit 28 controls the image reading unit 21 to execute a reading operation (SB).
5). At this time, both the application form and the identification card are read at a time to obtain image data. Then, the acquired image data is transmitted to the center terminal device 4, and the control unit 38 of the center terminal device 4 stores the received application form and the image data of the identification card in the storage unit 39.

On the other hand, on the center terminal device 4 side, the sent application form and the image data of the identification card are displayed on the display 31, and the operator confirms it.
The operator 5 looks at the image of the application form and the image of the identification card displayed on the display 31 to confirm the contents of the application form entered by the customer 2 (SB6), and confirms the position of the identification card and the contents. Confirm (SB
7).

If the contents of the application form are found to be inadequate in the determination of SB6, the operator 5 operates the keyboard 32 and the mouse 33 to return the application form to the customer terminal device 1 and display the display form. 16 instructs the application 16 to output guidance for correcting the application form.
, The operator 5 inputs voice guidance to the customer 2.

When the control unit 28 of the customer terminal device 1 receives the instruction to return the application form from the center terminal device 4, the first branching unit 46 changes the transport direction of the application form from the image reading unit 21 to the document input. Switching to the direction of the take-out port 23, the application form in the image reading section 21 is conveyed to the document input / take-out port 23 by the document take-in mechanism 23a and discharged as shown by the arrow in FIG. 12 (SB8). Then, the guidance is output from the display unit 16, and the operator 5 himself / herself receives the guidance from the headset 35 of the center terminal device 4.
The voice guidance input to the speaker 12
Output from

The customer 2 receives the application form discharged from the document input / output port 23, modifies the application form in accordance with the guidance from the display unit 16 and the guidance from the voice from the speaker 12, and completes the application. Book
The document is set in the document loading / unloading port 23 with the entry surface facing up. The modified application form is the document input / output port 2
When it is set to 3, as shown by the arrow in FIG. 12, the document is taken in by the document take-in mechanism 23a (SB3), sent to the image reading unit 21, and the reading operation is executed by the image reading unit 21 (SB5). ). At this time, both the application form and the identification card already set are read at a time to obtain image data. Then, the acquired image data is transmitted to the center terminal device 4, and the control unit 38 of the center terminal device 4 overwrites and stores the received application form and the image data of the identification card in the storage unit 39.

If the position of the identification card is inadequate in the judgment of SB7, the operator 5 operates the keyboard 32 and the mouse 33 to display the display unit 1 on the customer terminal device 1.
6 issues an instruction to output guidance for correcting the position of the identification card, and the operator 5 himself / herself inputs voice guidance to the customer 2 from the headset 35.

When the control unit 28 of the customer terminal device 1 receives an instruction to correct the position of the identification card from the center terminal device 4,
The display unit 16 outputs the guidance for opening the lid 20a and resetting the identification card, and the operator 5 himself / herself from the headset 35 of the center terminal device 4
The voice guidance input to the speaker 12
Output from

In response to this guidance, the customer 2
0a, open the ID card again, and re-open the lid 20a
Is closed (SB4). When detecting that the cover 20a has been closed from the output of a sensor (not shown), the control unit 28 controls the image reading unit 21 to execute a reading operation (SB5). At this time, both the application form already taken in and the reset identification card are read at a time to obtain image data. Then, the acquired image data is transmitted to the center terminal device 4, and the control unit 38 of the center terminal device 4 overwrites and stores the received application form and the image data of the identification card in the storage unit 39.

If there is no deficiency in the contents of the application form and the position of the ID card is not deficient, the operator 5 examines the contract contents, and when the examination is passed, the operator 5 uses the keyboard to shift to the procedure for issuing the contract. By operating the mouse 32 and the mouse 33, the customer terminal 1 is instructed to issue a contract. Upon receiving the contract issuance instruction from the center terminal device 4, the control unit 28 of the customer terminal device 1 converts the application form in the image reading unit 21 into a document take-in mechanism 23a as shown by an arrow in FIG.
Is transported to the printing mechanism 44 by the
3b is controlled to print a number on the application form by the printing mechanism 44 (SB9), and is conveyed to the collection box 41 and collected as shown by the arrow in FIG. 12 (SB10). That is, in the first branch part 46,
The conveyance direction of the application form from the image reading unit 21 is switched to the collection box 41, and the application form in the image reading unit 21 is conveyed through the first conveyance path 42 and conveyed to the printing mechanism 44. Print the number on This number is automatically incremented before the next transaction. Then, the application on which the number is printed is conveyed to the collection box 41 and collected.

Further, in order to return the ID card, guidance is output from the display unit 16 and the speaker 12 so that the customer 2
Encourages to receive ID. Receiving this guidance, the customer 2 opens the lid 20a and receives an identification card (SB11). A partition 48 is provided between the portion of the image reading section 21 on which the application form is placed and the portion on which the identification card is placed, and even if the lid 20a is opened, it is not possible to perform an illegal operation such as replacing the application form. A return operation of the identification card can be performed in parallel with the operation of collecting the application form. When the lid 20a is opened, the state in which the application form remains in the image reading unit 21 is allowed. Can be achieved.

Next, the control unit 28 of the customer terminal device 1 transports the sheet of the contract sent out from the storage box 45 a in the second branching unit 47 so that it can be sent to the first transport path 42. The direction is switched, and as shown by the arrow in FIG. 12, the paper serving as the contract is fed from the storage box 45a and sent to the first transport path 42. And
The printer unit 23b is controlled, and the printing mechanism 44 prints necessary items on a sheet serving as a contract to be conveyed through the first conveyance path 42 to create a contract. Then, in the first branching section 46, the transport direction of the contract sent from the storage box 45a to the first transport path 42 is switched to the direction of the document input / output port 23, and as shown in FIG. From the first transport path 42 to the second transport path 43 and is discharged from the document loading / unloading port 23 (SB
12).

The customer 2 receives this contract and signs it (SB13). Then, the customer 2 sets the signed contract in the document input / output port 23 with the entry side up (SB14). The contract is a document input / output port 2
When set to 3, the document is taken in by the document take-in mechanism 23a and sent to the image reading section 21, as indicated by the arrow in FIG. That is, the control unit 28 switches the transport direction of the contract from the document loading / unloading port 23 to the image reading unit 21 in the first branching unit 46, and transfers the contract set in the document loading / unloading port 23 to the first. The sheet is sent to the image reading section 21 by the second conveyance path 43 and the first conveyance path 42.

When it is determined that the contract has been conveyed to the predetermined position of the image reading section 21, the image reading section 21 is controlled to execute a reading operation (SB15). Then, the acquired image data is transmitted to the center terminal device 4, and the control unit 38 of the center terminal device 4 stores the received image data of the contract in the storage unit 39. The acquired image data is also stored in the storage unit 29 of the customer terminal device 1.

On the side of the center terminal device 4, the image data of the contract sent is displayed on the display 31.
Confirmation by the operator 5 is performed. Operator 5
By looking at the image of the contract displayed on the display 31, the signature of the customer 2 is confirmed (SB16). SB1
If it is determined in step 6 that the signature of the contract is incomplete, the operator 5 operates the keyboard 32 and the mouse 33 to return the contract to the customer terminal device 1 and corrects the signature from the display unit 16. Is issued, and the operator 5 himself / herself inputs voice guidance to the customer 2 from the headset 35.

When the control unit 28 of the customer terminal device 1 receives the contract return instruction from the center terminal device 4, the first branching unit 46 changes the transport direction of the contract from the image reading unit 21 to the document input. Switching to the direction of the take-out port 23, as shown by the arrow in FIG. 12, the contract document in the image reading section 21 is conveyed to the document input / take-out port 23 by the document take-in mechanism 23a and discharged (SB17). Then, the guidance is output from the display unit 16, and the voice guidance input by the operator 5 to the customer 2 from the headset 35 of the center terminal device 4 is output to the speaker 1.
Output from 2.

The customer 2 receives the contract discharged from the document input / output port 23, modifies the signature of the contract according to the video guidance from the display unit 16 and the voice guidance from the speaker 12, and ends the modification. With the written contract facing up, the document input / output port 23
Set to. When the modified contract is set in the document loading / unloading port 23, the document is taken in by the document capturing mechanism 23a and sent to the image reading unit 21 as shown by the arrow in FIG. To execute a reading operation (SB15). Then, the acquired image data is transmitted to the center terminal device 4, and the control unit 38 of the center terminal device 4 overwrites and stores the received image data of the contract in the storage unit 39.

If it is determined in step SB16 that the signature of the contract is correct, the operator 5 operates the keyboard 32 or the mouse 3
3 to instruct the customer terminal device 1 to collect the contract and issue a copy of the contract. When the control unit 28 of the customer terminal device 1 receives an instruction to collect the contract and issue a copy of the contract from the center terminal device 4, first, the control unit 28 displays the contract in the image reading unit 21 as indicated by an arrow in FIG. Then, the document is conveyed to the printing mechanism 44 by the document take-in mechanism 23a, the printer unit 23b is controlled, and the printing mechanism prints a number on the contract (SB1).
8), as shown by the arrow in FIG.
And collected (SB19). That is, in the first branch unit 46, the transport direction of the contract from the image reading unit 21 is switched to the collection box 41, and the contract in the image reading unit 21 is printed by being transported through the first transport path 42. It is transported to the mechanism 44 and the same number as the number printed on the collected application form is printed. Then, the application on which the number is printed is conveyed to the collection box 41 and collected.

FIG. 13 is an explanatory diagram showing an example of the numbering. FIG. 13A shows an example of the numbering to the application form described in the processing of SB9, and FIG.
8 shows an example of numbering to a contract described in the processing of No. 8.
As shown in FIG. 13, the same number is printed on the application form and the contract issued for the application form, and collected in the collection box 41. Although the contents and position of the number can be set arbitrarily, the same number is printed on the paired application and contract.

Next, the control unit 28 of the customer terminal device 1 sends a copy of the contract sent out from the storage box 45b to the first transport path 42 in the second branching unit 47.
The paper is fed out of the storage box 45b and fed to the first transport path 42 as shown by an arrow in FIG. Then, using the image data of the contract document stored in the storage unit 29, the first transport path 4
2 is printed on a sheet of a copy of the contract to be conveyed, and a copy of the contract is created. Then, in the first branch part 46, the transport direction of the copy of the contract sent from the storage box 45b to the first transport path 42 is switched to the direction of the document input / output port 23, and as shown in FIG. A copy of the contract is sent from the first transport path 42 to the second transport path 43, and discharged from the document input / output port 23 (SB20).

Further, the card issuing section 22a is controlled to store necessary items on the card, and is issued from the card issuing port 22 (SB21). When the customer receives a copy of the contract from the document input / output port 23 and receives the card from the card issue port 22, the transaction for issuing the cash card ends.
Here, even if a certain period of time has elapsed since the control unit 28 determines that the customer 2 has left the customer terminal device 1 based on the output of the proximity sensor 14, a copy of the contract document is input and retrieved from the output of the sensor (not shown). If it is in the mouth 23, it is determined that the customer 2 has forgotten to take a copy of the contract, and the transport direction of the copy of the contract in the document input / output port 23 in the first branching unit 46 is changed to the direction of the collection box 41. Switching, a copy of the contract document in the document input / output port 23 is conveyed through the second conveyance path 43 and the first conveyance path 42 as shown in FIG. In the case where the customer 2 leaves the customer terminal device 1 during the contract and the application or the contract remains in the document input / output port 23, similarly to the collecting operation of the copy of the contract described above, Collect in the collection box 41. As a result, the customer who uses the customer terminal device 1 later does not use the customer's application form, contract, or copy of the contract which was used before.

According to the second embodiment of the present invention described above, the printing mechanism is provided in the transport path for transporting the application form and the contract form in the image reading section to the collection box, so that the application form can be collected. On the way, the application form can be printed, so the same number is printed on the application form and the contract form collected by the financial institution, and the application form and the application form are issued. When matching contracts, you can easily find the application and contract that form a pair, and store the correspondence between the number printed on the application and the contract, the name of the customer who made the contract, etc. If this is done, the operability of the financial institution is improved, for example, the search can be performed easily.

[0080]

As described above, according to the present invention,
A printing mechanism is provided in the transport path for transporting the application form in the image reading unit to the collection box, the contract before printing is sent to the transport path, and printing is performed by the printing mechanism. , Since the application to be set in the image reading unit is to be transported to the document loading / unloading port, the transportation path for collecting the application form in the image reading unit and the transportation path for issuing the contract are shared And the amount of hardware can be reduced.

Further, since the outlet for taking out the document to be discharged from the customer terminal device to the customer and the entrance for putting in the document into the customer terminal device can be unified, the operability for the customer can be improved. In addition, by providing a printing mechanism on the transport path that transports the application form in the image reading section to the collection box, the number can be printed on the application form after image data acquisition, and the contract form can be printed with the application form. If the same number is printed, collation work between the application form and the contract can be easily performed, and the operability of the financial institution is improved.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram showing a first embodiment of an unmanned transaction system of the present invention.

FIG. 2 is an explanatory diagram showing an outline of an overall configuration of an unmanned transaction system.

FIG. 3 is an external perspective view of a customer terminal device.

FIG. 4 is a block diagram of a customer terminal device.

FIG. 5 is an external view of a center terminal device.

FIG. 6 is a block diagram of a center terminal device.

FIG. 7 is a flowchart showing the flow of processing according to the first embodiment of the present invention;

FIG. 8 is a flowchart illustrating a flow of processing according to the first embodiment of this invention;

FIG. 9 is an explanatory diagram showing a flow of documents in the first embodiment.

FIG. 10 is a flowchart showing the flow of processing according to the second embodiment of the present invention;

FIG. 11 is a flowchart showing the flow of processing according to the second embodiment of the present invention;

FIG. 12 is an explanatory diagram showing a flow of documents according to the second embodiment.

FIG. 13 is an explanatory diagram showing an example of numbering.

[Explanation of symbols]

 Reference Signs List 21 Image reading section 23 Document loading / unloading port 42 First transport path 44 Printing mechanism 46 First branch section

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification code FI Theme coat ゛ (Reference) H04N 1/00 G07D 9/00 476 // G06F 19/00 G06F 15/30 HF term (Reference) 3E040 AA04 AA05 AA06 BA18 CA05 CA14 CB04 DA02 EA10 FF07 FF09 FG04 FG06 FG08 FH02 FH04 FH05 FH06 FJ06 FJ09 FK04 FK06 5B049 AA06 BB46 CC03 CC21 DD00 DD01 DD03 EE07 FF02 FF03 FF04 FF04 FF04 GG04 AC15 BA01 BA04 BD00

Claims (2)

[Claims] 1. An image data of an application set in an image reading section of a customer terminal device is acquired, the acquired image data is sent to a center terminal device to check the contents, and a contract is issued by the customer terminal device. In the unmanned transaction system, a printing mechanism is provided in the transport path that transports the application form in the image reading section to the collection box, the contract before printing is sent to the transport path, printing is performed by the printing mechanism, and then printing is performed. An unmanned transaction system, wherein the contract that has been completed is transported to a document loading / unloading port for receiving an application set in the image reading unit. 2. The unmanned transaction system according to claim 1, wherein a number is printed by the printing mechanism when a document in the image reading unit is collected in a collection box.