JP2004046685A - System and method for transaction - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a system and method for transaction for displaying to a customer of his/her turn to transact and reducing as many a burden as possible on the customer. <P>SOLUTION: When an ID card 11 is read by a reception terminal 100 and selection of an operation (deposit, withdrawal, or the like) is inputted, a calling medium 13 is issued and a numbered ticket number, the read ID, and an input operation are transmitted to a reception management device 300. The device 300 manages order of reception and, when it receives a notice of reception, it reads the unprocessed smallest number of the numbered ticket, the ID and the operation, displays the number of the numbered ticket on a calling information display 210, and transmits the operation and the ID to a customer management device 400. The device 400 acquires customer information (name, address, account number, balance, or the like) from a customer database 500 with the ID as a key, and transmits it to a window terminal 220 of the operation. The terminal 220 displays the customer information, a person in charge inputs a deposit amount, for example, to the terminal 220 in an interview with the customer, performs personal authentication, receives the deposit money, for instance, and transmits the operation processing data to the device 400. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a business system and a method for performing business operations such as deposits and withdrawals at a counter in a bank, for example.
[0002]
[Prior art]
When doing business (transactions) at a bank or other counter, if there are many customers and it is not possible to do business with them immediately, the customers will receive a numbered ticket as soon as they enter the bank, and one-sided transactions At each counter where business is performed, the number of the numbered ticket of the customer who is currently doing business is displayed, and the customer waits until the number on the numbered ticket display becomes the number received by the customer. I have.
For example, when depositing at a bank, it is necessary for the customer to enter an address, a name, an account number, a deposit amount, and the like on a deposit form, which is a burden on the customer.
[0003]
[Problems to be solved by the invention]
SUMMARY OF THE INVENTION It is an object of the present invention to provide a transaction system and a method for displaying to a customer that his / her transaction number has come, and for minimizing the burden on the customer.
[0004]
[Means for Solving the Problems]
According to the present invention, when the reception terminal reads the identification information of the customer recorded on the recording medium and inputs the type of business (transaction) by the customer, the call information for calling the customer is recorded. The called call medium is issued, and the call information, the customer identification information, and the business information are sent to the reception management device,
The reception management device manages the reception order of the transmitted information, and when a reception permission notification is input, the identification information of the next customer to be received there is sent to the window terminal that has become available for reception, and the customer Sending the identification information and the business information to the customer management device, and further sending the call information to the call information display,
When the customer identification information and the business information are input, the customer management device obtains the customer information necessary for the business of the user from the customer database and sends it to the contact terminal of the business,
The counter terminal displays the entered user identification information and customer information, and can enter the details of the customer request,
The call information display displays the transmitted call information.
[0005]
With this configuration, when the customer displays the calling information of his / her calling medium, the customer goes to the window where the window terminal for the business is located, and the customer terminal is displayed on the window terminal. All you have to do is tell the deposit amount.
[0006]
BEST MODE FOR CARRYING OUT THE INVENTION
An embodiment of the present invention will be described with reference to the drawings. This embodiment is a case where the present invention is applied to a transaction at a bank.
As shown in FIG. 1, a reception terminal 100 is provided near an entrance in a bank, and customer identification information (hereinafter, referred to as a customer ID) such as an IC-type cash card is recorded on the reception terminal 100. A card reading unit 101 capable of reading a customer ID from an existing ID recording medium 11, a business input unit 102 for inputting the type of business, and a calling medium issuing unit 103 for issuing a calling medium are provided. In the business input unit 102, for example, a depositing unit 102a, a withdrawal unit 102b, a payment unit 102c, and the like are provided for inputting desired business through a touch panel, other switches, and the like.
[0007]
In this example, when a window is provided for each business, a deposit window 200a, a withdrawal window 200b, and the like are provided, and each business window 200 has a call information display 210 and a window terminal 220 as shown in the deposit window 200a. A user having a calling medium in which the call information displayed on the call information display 210 is recorded comes to the counter 200 and makes a transaction with a bank clerk (clerk).
The information received by the reception terminal 100 is sent to the reception management device 300, and the reception management device 300 manages the order of reception in this example for each business. At 200, the call information of the next customer to be transacted is displayed on the call information display 210 of the window, and is notified to the window terminal 220. Further, the customer ID and business information of the customer are managed by the customer management. Send to device 400.
[0008]
The customer management device 400 acquires the customer information related to the business information from the customer database 500 based on the customer ID, and sends it to the window terminal 220 of the business. The counter terminal 220 displays the received customer information on the display unit 221.
The reception terminal 100, each call information display 210, each counter terminal 220, the reception management device 300, and the customer management device 400 are connected to the transmission bus 12.
Hereinafter, the processing of each unit will be described in more detail. When the customer causes the card reading unit 101 to read the ID recording medium 11 and operates a switch for the desired business in the business input unit 102, the reception terminal 100 reads the user ID and reads the user ID as shown in FIG. 2A. The business information is input (S1), the calling medium issuing unit 103 issues the calling medium 13, and, if necessary, updates the calling information of the next calling medium, for example, updates the number. The value is incremented by one (S2). The call information may be a sequence of predetermined elements such as A, B,..., A, i, u, eh,.
[0009]
Next, the read customer ID, the input business information, and the issued call information of the calling medium 13 are sent to the reception management device 300 as reception information (S3). The customer receives the issued call medium 13 and the call information recorded on the call medium 13 (hereinafter, the case where the call information is a number) is displayed on the call information display 210. Wait for.
As shown in FIG. 3, in the reception management apparatus 300, in this example, when reception information is input from the reception terminal 100 (S1), in the reception storage unit 310, in this example, each of the tasks is stored in the order of reception (S2). . For example, as shown in FIG. 4, the reception storage unit 310 is provided with a storage unit (storage area) for each task, such as a deposit storage unit 310a, a withdrawal storage unit 310b, and the like. No.) and the customer ID are sequentially stored in the business information storage unit. A flag indicating whether or not processing has been performed is stored in a storage column of each set of the call number and the customer ID of each of the storage units 310a, 310b,..., And in this example, the flag is “0” for an unprocessed set. "It is.
[0010]
Next, it is checked whether or not a reception permission notification has been input (S3). The reception availability notification includes a case where the business information indicating which business window 200 has become available for reception and a case where the business information is sent directly from the window terminal 220 and which business window has been sent from the business window terminal 220. If the information can be detected at 300, the business information need not be included in the acceptance notification.
When the reception permission notification is input, a call number (the minimum number that is not processed yet) for which the flag next to the last processed flag “1” in the reception storage unit of the business information, for example, the deposit storage unit 310a is “0”, is “0”. ), And read the customer ID (S4). The read call number is supplied to the call information display 210 of the service window, in this example, the deposit window 200a (S5). Therefore, the call number is displayed on the call information display 210 of the deposit window 200a.
[0011]
Further, the reception management device 300 sends the read customer ID and, if necessary, the call number to the contact terminal 220 of the business contact, in this example, the deposit contact 200a (S6). Further, the read customer ID and the business information of the acceptance acceptance notification are sent to the customer management device 400 (S7), and then the read call number and the customer ID set flag are set to "1", and the process proceeds to step S1. Return to (S8).
If the reception information has not been input in step S1, the process proceeds to step S3. If the reception permission notification has not been input in step S3, the process returns to step S1. Even if the call number is displayed on the call information display 210, the customer does not appear at the counter, and if the customer cannot make a transaction, the read call number and usage are notified by the customer absence notification from the counter terminal 220. The flag of the set of the customer ID is returned to the unprocessed “0”, the next call number and the customer ID are read, and the same processing is performed.
[0012]
As shown in FIG. 5, when the customer management device 400 receives the customer ID and the business information (S1), the customer management device 400 acquires the customer information of the customer from the customer database 500 using the customer ID as a key (S2). . The customer information includes basic attributes (name, address, telephone number, fingerprint information, and the like) of the user, visit history, account number, balance, and the like.
The customer management device 400 sends the customer information and, if necessary, the customer ID to the business contact of the received business information, in this example, the contact terminal 220 of the deposit window 200a (S3). In this case, all of the customer information may be sent to the counter terminal 220, but only the information related to the business may be sent. For example, it is not necessary to send the balance in the deposit business.
[0013]
Next, when the business process data is received (S4), authentication processing is performed as necessary to determine whether the business process data is valid (S5). For example, if the business process data is encrypted, if the plaintext is obtained by decryption processing, it is considered valid.
After confirming the validity of this authentication process,
A process corresponding to the business process data is performed on the customer database 500 (S6). For example, in the case of business process data for a deposit business, the customer database 500 is processed based on the customer ID, account number, and deposit amount in the business process data. The deposit amount is added to the balance of the customer ID and account number in 500, and the addition result is set as a new balance. After the processing on the database 500, a reception permission notification indicating that the business window indicated by the business processing data can be received is sent to the reception management device 300, and the process returns to step S1 (S7).
[0014]
If the customer ID and the business information have not been received in step S1, the process proceeds to step S4, and if the business process data has not been received in step S4, the process returns to step S1.
At the counter terminal 220, as shown in FIG. 6, when the customer ID is received from the reception management device 300 (S1), the reception of the customer information from the customer management device 400 is waited (S2). Is displayed on the display unit 221 (S3). At the counter 200, for example, as shown in FIG. 7, a clerk (bank employee) chair 16 is arranged inside the counter table 15, and the counter terminal 220 is placed on the terminal table 17 arranged in parallel with the counter table 15 and the chair 16. And an input unit 222 such as a keyboard of the counter terminal 220 is arranged below the counter table 15 in front of the chair 16. Further, in this example, the customer display unit 223 is arranged on the counter table 15, and a fingerprint authentication unit 224 is arranged alongside the display unit 223. A card reading unit 225 is arranged on the terminal stand 17 alongside the counter terminal 220.
[0015]
In this example, the display unit 221 of the counter terminal 220 is a staff display. As shown in FIG. 7, the name in the customer information is displayed as "XXXXX" and the usage history is also displayed. In this example, the business input by the customer is displayed on the customer display unit 223. In the example of FIG. 7, "deposit" is displayed.
When the customer holding the calling medium 13 of the call number displayed on the call information display 210 appears at the counter 200, the attendant checks the name by interview, asks how much to deposit, and asks the customer how much he / she wants. Is input by the input unit 222. The counter terminal 220 displays this amount on the customer display unit 223 (S4, FIG. 6). The customer confirms that there is no mistake in the display and presses the confirmation switch unit 226 on the customer display unit 223, and then performs personal authentication (S5). This personal identification is performed, for example, by having the user's thumb pressed against the authentication unit 224, which is a fingerprint-type authenticator, and comparing the detected fingerprint information with the fingerprint information sent as the customer information, or performing a personal identification number. Is input and collated with the password in the customer ID or the password transmitted as customer information. If the authentication is successful, the input data, in this example, the deposit amount is locked so that it cannot be changed (S6). In this lock processing, for example, input data is encrypted. However, when the customer wants to change the input data, in this example, the deposit amount, a lock release request is made. For example, the "change" display (not shown) on the display surface of the display 223 for the customer is displayed. When the customer presses and inputs, or when a clerk operates the specific key of the input unit 222 based on the voice request of the user and inputs the input, and when this release request is input (S7), the release process is performed. At this time, this release processing performs personal authentication such as fingerprint authentication or personal identification number authentication. If the authentication is successful, for example, the encrypted input data is decrypted into plain text, and the input data can be changed. The process returns to S2 (S8). That is, the clerk asks the user for the amount to be changed, and performs an input operation for changing the input data to the input unit 222.
[0016]
If the release input is not made in step S7, the attendant receives the cash of the fixed (locked) deposit amount from the customer. Alternatively, when the IC recording medium 11 is an IC type cash card, the card is read from the customer by the receiving card reader 225 and the amount is deducted from the electronic cash in the card.
The business process (transaction content) data, in this example, data indicating that XXX yen has been deposited as a deposit is sent to the customer management device 400, and the process returns to step S1 (S9). At this time, the business process data includes the customer ID and from which window terminal 220, that is, business information. In this example, the customer management device 400 performs processing such as adding the deposit amount to the balance in the customer database 500 for the user ID and entering the date of the business process data, and the deposit window 200a Sends a notification to the reception management device 300 indicating that the next reception is possible.
[0017]
The reception terminal 100, the counter terminal 220, the reception management device 300, and the customer management device 400 can each be operated by a computer. For example, in the counter terminal 220, as shown in FIG. 8, a staff display unit 221, an input unit 222, a customer display unit 223, a card reading unit 225, an authentication unit 224, an interface unit 231 with the transmission bus 12, and a program memory 232. The work memory 233, the CPU (microprocessor) 234, the lock unit 235, and the unlock unit 236 are connected to the bus 237, and the CPU 234 executes a program stored in the memory 232 to execute the processing illustrated in FIG. I do.
[0018]
The attendant display unit 221 and the customer display unit 223 may also be used. The reception permission notification may be sent directly from the counter terminal 220 to the reception management device 300. When the ID recording medium 11 is an IC type cash card, when the amount is debited from the electronic cash in the card, the debited amount is electronically signed with a secret key in the card 11 and the window terminal is used. The user can also input the information to the user 220 and transmit the business process data including the amount with the electronic signature to the customer management device 400 to prevent the amount from being falsified or from denying the person. In other words, it is possible to attach a digital signature to the request content of the customer and send it together with the business process data.
[0019]
Instead of using the window 200 exclusively, any window 200 may be capable of performing any task. In this case, the reception storage unit 310 simply stores the reception information in the reception order, and reads out the call number, the customer ID, and the business information in the reception order from the window where the reception permission notification has been given. Alternatively, the business information may be sent from the customer management device 400 to the counter terminal 220. The number of the windows 200 may be only one. The calling medium 13 may be a so-called simple numbered ticket in which, for example, numbers are printed on normal paper as calling information, or a so-called simple numbered ticket, or the used calling medium 13 may be collected and erased so that it can be reused. It is also possible to use a recording medium such as a vehicle numbered ticket disclosed in JP-A-6-64386, which can be heated and printed by a thermal head and the print can be erased by heating.
[0020]
Further, the calling medium 13 is not limited to the exclusive medium, and the calling information may be recorded on the ID recording medium 11, for example. In this case, for example, as shown in FIG. 2B, a rewritable recording piece having the configuration shown in the above-mentioned publication is formed as a call information recording unit 13a on one side or both sides (or the entire surface) of the ID recording medium 11, for example. Then, the call information is recorded in the call information recording unit 13a. In this case, the card reading unit 101 and the calling medium issuing unit 103 are integrally formed, the calling information is recorded in the calling information recording unit 13a of the ID recording medium 11 from which the user ID has been read, and the ID recording medium is read. 11 will be issued as the calling medium 13.
[0021]
Further, a proxy terminal 700 (FIG. 1) may be provided near the entrance in the bank in addition to the reception terminal 100 so that almost all the input is performed by a bank employee. For example, a reception counter and a terminal stand similar to those shown in FIG. 7, a proxy terminal 700 and a chair disposed thereon, and a user display are provided near the entrance in the bank. Is passed to the bank clerk by passing the ID recording medium 11 to the bank clerk, the user ID is read by the proxy terminal 700, and the type of the target business is informed to the bank clerk. The proxy terminal 700 is operated and input, and the calling medium 13 is issued.
[0022]
In some cases, almost all the information necessary for the business, that is, the contents that the user conventionally writes on a sheet for each predetermined business type, for example, in the case of a deposit business, the address, name, account number, deposit amount, etc. The bank clerk may notify the bank clerk and input these data (information) by operating the proxy terminal 700. In this case as well, the input data is displayed on the display for the customer, and the input data is locked so as not to be changed by the confirmation accompanied by the fingerprint or the password of the customer, and the required data is changed to the corresponding counter terminal 220. To the customer management device 400. Issuance of the calling medium 13, transmission of the calling information and the customer ID to the reception management device 300, and displaying of the calling information at the business window corresponding to the order are the same as in the previous embodiment. At each business contact, various data sent from the proxy terminal 700 is displayed on the display for the customer, and the business is processed by having the customer reconfirm. Since the processing in the customer management device 400 does not require human intervention, even when using this proxy terminal, the abuse by the proxy (bank employee) is prevented by using the above-described data locking and unlocking method. be able to.
[0023]
【The invention's effect】
As described above, according to the present invention, at the time of reception, the type of business is also input, and when the customer comes in the turn and comes to the window, the display necessary for the business is made, and the user is accordingly Eliminates the trouble of writing on paper or inputting by other means. Further, according to another aspect of the present invention, it is possible to have the attendant also input the type of work on behalf of the staff.
[Brief description of the drawings]
FIG. 1 is a diagram showing a functional configuration of an embodiment of the present invention.
FIG. 2A is a flowchart illustrating an example of a processing procedure of a reception terminal 100, and FIG. 2B is a diagram illustrating an example in which a recording medium is also used as a calling medium.
FIG. 3 is a flowchart showing an example of a processing procedure of a reception management device 300.
FIG. 4 is a diagram showing a storage example of a reception storage unit 310 of the reception management device 300.
FIG. 5 is a flowchart showing an example of a processing procedure of the customer management device 400.
FIG. 6 is a flowchart illustrating an example of a processing procedure of the counter terminal 220;
FIG. 7 is a view showing an example of the appearance of a window 200.
FIG. 8 is a diagram illustrating an example of a functional configuration when a counter terminal 220 is configured by a computer.

Claims (4)

A reading unit for reading the customer identification information for specifying the customer from the recording medium, a business input unit for inputting the type of business, and when the user identification information and the business information are input, call information for calling the customer is recorded. A receiving terminal including a calling medium issuing unit for issuing the called calling medium,
The customer identification information and business information from the reception terminal are input, the reception order is managed, and when the reception permission notification is input, the identification information of the next customer to be accepted at the window terminal that has become available And a reception management device for notifying the user management device of the identification information and the business information of the user to the customer management device, and further informing the call information display device of the call information of the call medium for the identification information of the user to be received next. ,
The customer management device for transmitting at least customer information necessary for the business from the customer database to the contact terminal performing the business according to the input user identification information and the business information,
Customer terminal information, customer information is input, the customer information is displayed, the contact terminal for inputting the contents of the customer request,
A transaction system comprising: the above-mentioned call information display for displaying the call information when the call information is input. 2. The transaction system according to claim 1, wherein the call medium issuing unit records the call information on a recording medium from which the user identification information is read by the reading unit and issues the call information as the call medium. The contact terminal is a confirmation input means for inputting confirmation of the input request content of the customer, and a lock unit for making the input content of the customer request unchangeable when the confirmation is input; The transaction system according to claim 1, further comprising: a lock release unit configured to release an unchangeable state. The agent terminal is made to read the customer identification information for identifying the customer from the recording medium, to make a proxy input of the type of business, to issue a calling medium in which the calling information is recorded,
Sending the customer identification information and business information from the proxy terminal to the reception management device,
Managing the reception order based on at least the customer identification information received by the reception management device,
When the reception control device receives the reception permission notification, the reception management device transmits the next user identification information to the counter terminal corresponding to the reception permission notification, and manages the user identification information and business information. To the device, and to the call information display to notify the call information of the user identification information received next, respectively,
According to the customer identification information and the business information received by the customer management device, at least the customer information necessary for the business of the customer from the customer database is transmitted to the counter terminal performing the business,
A transaction method comprising: displaying customer information input to the counter terminal; inputting a request from a customer; and displaying call information on the call information display.

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