JP2003208520A - Acceptance processing device and acceptance processing program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To guide a customer to an optimal window or a transaction device by unitarily controlling a transaction purpose of the customer coming to a financial institution such as a bank. <P>SOLUTION: An acceptance processing device is characterized by having an input means for allowing the coming customer to input all transaction purposes, a number imparting means for imparting an acceptance number in order to the coming customer, a guiding means for guiding the customer to an unmanned remote transaction device or an automatic transaction device for allowing exchange with the customer via the window or a network suitable for the inputted transaction purposes, and a transaction completion confirming means for confirming that the customer completes all transactions. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a reception processing apparatus and a reception processing program for centrally managing the transaction purpose of a customer who visits a financial institution such as a bank and guiding the customer to an optimal window or transaction apparatus.

[0002]

2. Description of the Related Art In the conventional transaction business in a financial institution such as a bank, it is necessary to reduce transactions at a counter requiring personnel as much as possible against the background of personnel reduction due to business integration. For example, for business such as new account opening and loan consultation, unattended that allows operators and customers who are concentrated in the transaction center to communicate with customers through a network such as a LAN line or a WAN line without going through a window. Type remote transaction equipment has already been developed, and for the business that can be traded with this unmanned type remote transaction equipment or automatic transaction equipment, we will guide customers to these transaction equipment as much as possible and reduce the number of transactions at the counter. We have to go.

[0003]

However, for processing that cannot be performed immediately, such as depositing a check or bill, it is only possible to trade at a manned window. For this reason, if the customer has a transaction purpose that is handled only at the counter, the unmanned remote transaction device or automatic transaction device will have a transaction purpose that can be traded with the unmanned remote transaction device or automatic transaction device. They didn't like re-arranging in the queue, and tended to handle all transaction purposes at the counter. Furthermore, for transactions with low repeatability such as opening a new account, there are not a few customers who conduct transactions at the counter.

Therefore, even if an unmanned remote transaction device or an automatic transaction device is introduced, the transaction ratio at the counter does not fall below a certain ratio, and it has not been possible to contribute to cost reduction such as personnel reduction. In addition, there is a problem that the waiting time of the customer whose transaction purpose is only the check or bill payment that can be performed only at the counter becomes long and smooth processing cannot be performed.

[0005]

Therefore, according to the present invention, in a reception processing device for guiding a customer who visits a financial institution according to a transaction purpose, an input means for allowing a customer who visits the store to input all transaction purposes, and a visitor. Numbering means for sequentially giving a receipt number to the customer who made the purchase, and an unmanned remote transaction device or an automatic transaction device that enables the customer to interact with the customer through the window or network suitable for the transaction purpose entered above. And a transaction completion confirmation means for confirming that the customer has completed all transactions, and a reception processing program for guiding according to the transaction purpose of the customer visiting the financial institution. Also in, in the input means to let the customer enter all transaction purpose,
Numbering means for sequentially giving reception numbers to customers who come to the store, and an unmanned remote transaction device or automatic transaction device that enables interaction with the customer through a window or network suitable for the transaction purpose entered above. It is characterized by having a guide means for guiding the customer and a transaction completion confirmation means for confirming that the customer has completed all the transactions.

Further, the guiding means is characterized by causing the customer who visits the store to be guided to the counter or the transaction device in the order of the reception number. Further, this guiding means has a means for determining whether or not the transaction purpose entered by the input means includes a task performed only at the counter, and if it is included, it is caused to function to guide to the counter, Directing only customers who need transactions at the counter to the counter, and whether all transaction purposes entered by the input means can be traded by either the unmanned remote transaction device or the automatic transaction device. If the transaction is possible with any of the transaction devices, it is characterized by causing the automatic transaction device to be preferentially guided.

[0007]

BEST MODE FOR CARRYING OUT THE INVENTION First Embodiment Example FIG. 1 is a schematic configuration diagram showing an embodiment example of the present invention.
Reference numeral 1 is a reception machine, which is provided for registering all transaction types that the customer will perform when he or she comes to the store for transaction purposes, and has a display (not shown), a transaction selection input means, and a receipt number output means.

Reference numeral 2 is a guide display unit, which guides the customer accepted by the accepting machine 1 to a device to execute a transaction and displays a guide for instructing acceptance. 3 is a monitoring server,
From the information from the accepting machine 1 and the operating status of an unmanned remote transaction device, an automatic transaction device, or a window terminal described later, a guide display unit is provided by selecting an optimal device or window for executing a transaction according to the transaction purpose of the customer. Display on 2.

Reference numeral 4 is an automatic transaction device, and usually there are a plurality of automatic transaction devices. The automatic transaction device 4 is a device that can perform operations such as balance inquiry, deposit, withdrawal, transfer, and passbook entry, and a banknote deposit / withdrawal unit, coin deposit / withdrawal unit, card reader / writer unit, receipt printing by a control unit (not shown). Department,
The passbook entry section, the operation display section, etc. are controlled, and the communication device 7-
Each transaction is completed by communicating with the host system 8 described later via (a) and the network 10.

Reference numeral 5 is an unmanned remote transaction device, and usually there are a plurality of unmanned remote transaction devices. The unmanned remote transaction device 5 is a device for opening a new account, issuing a card, consulting a loan, and making a loan contract, and an operator display unit, an operator voice output unit, a customer photographing unit, a customer voice input unit, and a bill by a control unit (not shown). It controls the deposit / withdrawal unit, the coin deposit / withdrawal unit, the card reader / writer unit, the receipt printing unit, the passbook entry unit, the operation display unit, etc., and the host system 8 and the transaction described later via the communication device 7- (b) and the network 10. Each transaction is completed by communicating with the operators who are concentrated in the center 9.

Reference numeral 6 is a window, and usually there are a plurality of windows.
This window 6 is a terminal capable of executing all operations, and controls a banknote deposit / withdrawal unit, a coin deposit / withdrawal unit, a card reader / writer unit, a receipt printing unit, a passbook entry unit, an operation display unit, etc. by a control unit (not shown). Each transaction is completed by communicating with the host system 8 described later via the communication device 7- (c) and the network 10.

The host system 8 stores customer information such as customer account information and transaction history. The automatic transaction device 4,
The operation in the embodiment of the present invention, which refers to / updates the customer information based on the transaction information from the unmanned remote transaction device 5 and the counter 6, will be described below with reference to the drawings. FIG. 2 is a transaction valid information table. In FIG. 2, “0” indicates that the transaction is not possible, “1” indicates that the transaction is possible, and “2” indicates that the transaction is in progress.

FIG. 3 shows transaction acceptance information, which comprises a processing completion pointer, a queue pointer, and a transaction purpose table. FIG. 4 is an operation flow, and the operation will be described below using this. Transaction valid information of the automatic transaction device 4, the unmanned remote transaction device 5 and the counter 6 is stored in a data storage means (not shown) in the monitoring server 3 as shown in FIG. Further, the processing completion pointer, the queue pointer, and the transaction purpose table shown in FIG. 3 are initialized (set to 0).

Prior to guiding the customer, the monitoring server 3 confirms whether the automatic transaction device 4 and the unmanned remote transaction device 5 are in a transactable state, and also confirms whether the counter 6 is effective by the counter operator. (S1). The customer who visits the store inputs all the transaction purposes that he / she wants to trade at the reception machine 1. As a result, the accepting device 1 notifies the monitoring server 3 that there is an acceptance. The monitoring server 3 constantly checks the presence / absence of this reception. If the reception device 1 does not receive the reception, the process proceeds to S6 (S2). Here, the case where there is no reception means a case where a transaction has already been performed once or more in the transaction mode selected by the transaction mode selection subroutine described below, and the transaction mode selection described below is performed in order to perform further transactions.

When the reception machine 1 has a reception, the monitoring server 3
Receives the transaction purpose information entered by the customer from the accepting machine 1, and whether or not there is a transaction that cannot be transacted at all the automatic transaction apparatus 4 and the unmanned remote transaction apparatus 5 and the counter 6 in the financial institution within this transaction purpose. Is determined based on the transaction valid information table shown in FIG. 2 (S3). If there is a business that cannot be transacted at all the automatic transaction devices 4, the unmanned remote transaction device 5 and the window 6 for the purpose of transaction, the transaction not possible is displayed on the display (not shown) of the accepting machine 1 and re-input or re-input. A store visit message or a guidance message of a financial institution that can be traded is displayed, and the process proceeds to S6 (S
4).

When it is determined that the transaction purpose can be transacted by any means in the financial institution, "1" is added to the "final queue pointer" in FIG. 3, and all the transactions entered in the transaction purpose table are added. The purpose is set to "1", the "waiting queue last pointer" is displayed as the receipt number on the accepting machine 1, printing is performed by the printing unit, and the ticket is issued (S5). Here, when the customer executes the processing in the transaction mode by the transaction mode selection subroutine described later, the window operator of the automatic transaction device 4, the unmanned remote transaction device 5 or the window 6 determines whether the transaction purpose is all completed. To the monitoring server 3 when it is completed.

The monitoring server 3 constantly checks the presence / absence of this transaction completion notification (S6). When the monitoring server 3 determines that there is a transaction completion notification, the monitoring server 3 executes the process shown in FIG.
The corresponding transaction in the transaction purpose table of the automatic transaction device 4, the unmanned remote transaction device 5 or the window 6 in the table shown in is reset to "0" and the "processing" line is set to "0".
Is reset to (S7).

The monitoring server 3 determines in S7 whether all the transaction purposes of the customer have been completed. If not, the process proceeds to S1 (S8). It is determined whether or not all the transaction purposes of the customer have been completed, and if completed, the "processing complete" line in the table of the customer shown in FIG. 3 is set to "1" (S9). Here, the check pointer used below is defined as a monitoring number that always monitors the reception number in order from the smallest value.

This check pointer is set to "processing completion pointer" +1 (S10), and it is judged whether or not the "processing completed" row of the transaction purpose table indicated by the check pointer is "1". The process proceeds to S1 (S11). When it is determined that the processing completion flag of the transaction purpose table indicated by the check pointer is "1", the "processing completion pointer" is incremented by "1" (S1
2) It is determined whether the check pointer is equal to the "queue pointer". If they are equal, the process proceeds to S1 (S13). If they are different, the check pointer is incremented by "1" and the process proceeds to S11 (S14). ).

When it is determined in S6 that there is no transaction completion notification from the automatic transaction device 4, the unmanned remote transaction device 5 or the window 6, the monitoring server 3 makes the "processing completion pointer" and the "queue pointer" equal. If it is equal, that is, if there is no customer waiting, the process proceeds to S1 (S15). If different, that is, if there is a customer waiting, the check pointer is set to "process completion pointer". It is set to +1 (S16).

If it is not "0" by referring to the in-process column of the transaction purpose table of FIG. 3 indicated by the check pointer, that is, if it is determined that the process is in progress, the process proceeds to S19.
(S17), if the processing column is "0",
That is, when it is determined that the transaction is not being performed, the automatic transaction device 4, the unmanned remote transaction device 5, and the window 6 which can be processed for the transaction purpose of the customer are selected, and the transaction mode selection subroutine for guiding the customer is executed (S18). .

After that, it is determined whether the check pointer is equal to the "queue pointer", and if they are equal, all the customers visiting the store are guided to the automatic transaction device 4, the unmanned remote transaction device 5, and the counter 6 as much as possible. If it is different, the process proceeds to S1 (S19). The check pointer is incremented by 1 and the process proceeds to S17 (S20). Figure 5
Is the transaction mode selection subroutine described in operation flow S18.

First, the monitoring server 3 determines whether or not the check / bill transaction column handled only at the counter in the transaction purpose table indicated by the check pointer is "1", and if it is not "1" (ie, The customer does not request the check / bill transaction.), The process proceeds to S106 (S101), and if it is "1" (that is, the customer requests the check / bill transaction), Figure 2
Check / Bill transaction is “1” from the transaction valid information shown in
The window 6 that is (transactionable) is searched for, and if there is none, the process proceeds to S106 (S102).

At this time, if it is determined that there is a vacant window 6, all the transaction type columns in the window of the transaction valid information shown in FIG. 2 are set to "2" (in transaction) (S1).
03), the window number selected in S103 is set in the processing column indicated by the check pointer in FIG. 3 (S).
104). After that, the reception number and the contact number are displayed on the guide display unit, the customer is guided to the contact 6 selected in S103, and the transaction form selection subroutine ends (S10).
5). At this time, when the transaction is executed, the window operator of the window 6 confirms with the customer whether or not all the transaction purposes are completed, and when the transaction is completed, notifies the monitoring server 3 of the transaction completion.

At this time, it is confirmed to the customer whether all the transaction purposes that can be traded at this counter 6 have been completed, the transaction completion notice is sent to the monitoring server 3, and the corresponding transaction is reset to "0" (S6). , S7.). Up to now, all the transaction types have been described as transactable at the counter 6, but the present invention can be implemented even when there is a transaction purpose that cannot be transacted at the counter 6. Therefore, if there is a transaction purpose that cannot be traded at this window 6 and all the transaction purposes have not been completed, the customer confirms the guidance display unit 2 and waits for the next guidance (see S8).

If it is determined in S101 that there is no check / bill transaction, and if it is determined in S102 that there is no open window 6, the unmanned remote transaction device 5 of the transaction purpose table indicated by the check pointer is displayed. If the account opening field or loan business field that can be processed is “1”, and it is not “1” (that is, the customer does not request the account opening or loan business), the processing is performed. When the process proceeds to S111 (S106) and is "1" (that is, the customer requests the account opening or the loan business), the account opening field or the loan business is determined to be "from the transaction valid information shown in FIG. Look for the unmanned remote transaction device 5 that is 1 ”(tradeable), and if there is no, perform processing
The process moves to 111 (S107).

At this time, when it is determined that there is a vacant unmanned remote transaction device 5, all the transaction type columns in the corresponding unmanned remote transaction device column of the transaction valid information shown in FIG. 2 are "2" ( (Under transaction) (S108), and the unmanned remote transaction device number selected in S108 is set in the in-process column indicated by the check pointer in FIG. 3 (S10).
9).

After that, the reception number and the unmanned remote transaction device number are displayed on the guide display unit 2, the customer is guided to the unmanned remote transaction device 5 selected in S108, and the transaction form selection subroutine ends (S110). ). At this time, the unattended remote transaction device 5 confirms with the customer whether all the transaction purposes that can be transacted have been completed, notifies the monitoring server 3 of transaction completion, and resets the transaction to "0" ( See S6 and S7.).

When there is a transaction purpose that cannot be traded by the unmanned remote transaction device 5 and all the transaction purposes have not been completed, the customer confirms the guidance display section 2 and waits for the next guidance (see S8). ). When it is determined that there is no account opening or loan consultation for the customer's transaction purpose in S106, and S
When it is determined that there is no unmanned remote transaction device 5 available in 107, the automatic transaction device 4 in which all the transaction types for the transaction indicated by the check pointer are “1” (transaction is possible) in FIG. If there is no corresponding automatic transaction device 4, the transaction form selection subroutine is ended (S111), and if there is the corresponding automatic transaction device 4, the transaction valid information shown in FIG. All the transaction type columns in the automatic transaction device column are set to "2" (in transaction) (S112), and the automatic transaction device number selected in S112 is set in the processing column indicated by the check pointer in FIG. 3 ( S113).

After that, the receipt number and the automatic transaction device number are displayed on the guide display section, the customer is guided to the automatic transaction device 4 selected in S112, and the transaction form selection subroutine is terminated (S114). At this time, this automatic transaction device 4
It is confirmed to the customer whether or not all the transaction purposes that can be traded have been completed, the transaction completion notice is sent to the monitoring server 3, and the corresponding transaction is reset to "0" (see S6 and S7).

If there is a transaction purpose that cannot be traded by the automatic transaction device 4 and all the transaction purposes have not been completed, the customer confirms the guidance display section 2 and waits for the next guidance (see S8).

[0032]

As described above, according to the present invention described above, it is possible to centrally manage the transaction purpose of a customer and always grasp the handling work and the current usage situation at the counter, the unmanned remote transaction device and the automatic transaction device. Thus, there is an effect that the customer can always be guided to the optimum transaction device to smoothly process the transaction, and eventually the waiting time of the customer can be shortened.

In addition, since only customers who need transactions at the counter are guided to the counter and no other business is performed at the counter, manned work can be reduced, and personnel such as personnel reduction can be achieved. It will be possible to contribute to the reduction of institution operating costs. Further, by monitoring the customers in the order of reception and guiding them to the appropriate device, fair waiting can be performed and the convenience of the customers can be improved.

[Brief description of drawings]

FIG. 1 is a schematic configuration diagram showing an embodiment of the present invention.

[Figure 2] Transaction effective information table

[Figure 3] Transaction acceptance information

[Fig. 4] Operation flow

[Figure 5] Transaction type selection subroutine

[Explanation of symbols]

1 reception machine 2-lead display 3 monitoring server 4 Automatic transaction equipment 5 Unmanned remote transaction device 6 windows 7 Communication device 8 host system 9 trading centers 10 network

Claims (8)

[Claims] 1. A reception processing device that guides a customer who visits a financial institution in accordance with the transaction purpose, and an input means for allowing the customer who visits the store to enter all transaction objectives, and a receipt number is sequentially assigned to the customer who visits the store. The numbering means to be used, the guiding means for guiding the customer to the unmanned remote transaction device or the automatic transaction device that enables the customer to interact with the customer through the window or network suitable for the transaction purpose entered above, and all the customers Transaction completion confirmation means for confirming that the transaction has been completed. 2. The acceptance processing device according to claim 1, wherein the guidance means causes a customer who visits the store to be guided to a counter or a transaction device in order of receipt number. 3. The reception processing apparatus according to claim 1 or 2, wherein the guiding means functions to guide only a customer who needs a transaction at the counter to the counter. 4. The guiding means according to claim 1 or 2, further comprising means for determining whether or not the transaction purpose input by the input means includes a task performed only at the counter, and is included. If it is, it is made to function to guide to the counter, and further, it is judged whether or not all the transaction purposes entered by the input means can be transacted by any of the unmanned remote transaction device and the automatic transaction device, An accepting processing device characterized by causing the automatic transaction device to be preferentially guided when any transaction device can perform the transaction. 5. In a reception processing program for guiding a customer who visits a financial institution according to a transaction purpose, an input means for allowing a customer who visits the store to input all transaction purposes, and a receipt number are sequentially assigned to the customer who visits the store. The numbering means to be used, the guiding means for guiding the customer to the unmanned remote transaction device or the automatic transaction device that enables the customer to interact with the customer through the window or network suitable for the transaction purpose entered above, and all the customers And a transaction completion confirmation means for confirming that the transaction has been completed. 6. The acceptance processing program according to claim 5, wherein the guidance means causes a customer who visits the store to be guided to the counter or the transaction device in the order of the receipt number. 7. A reception processing program, wherein the guide means according to claim 5 or 6 is caused to function so as to guide only a customer who needs a transaction at the counter to the counter. 8. The inducing means according to claim 5 and claim 6 has means for determining whether or not the transaction purpose input by the input means includes a business to be performed only at the counter, and is included. If it is, it is made to function to guide to the counter, and further, it is judged whether or not all the transaction purposes entered by the input means can be transacted by any of the unmanned remote transaction device and the automatic transaction device, An accepting processing program characterized by causing the automatic transaction device to be preferentially guided when the transaction can be performed by any of the transaction devices.