JP2005157458A - Automatic contract system, automatic contract reception machine, and automatic contract method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic contract system which not only reduces time, as much as possible, which an operator spends for answering to one customer but also reduces a load on the operator and labor costs, and also provide an automatic contact reception machine and an automatic contract method thereof. <P>SOLUTION: The automatic contract reception machine 1 automatically recognizes, by means of an OCR processing program 11-1, a character string representing personal information described in a contract-related document read by a scanner 14, displays the character string thus automatically recognized together with a correction candidate character corresponding to each character of the character string on a touch-panel type display 12, corrects the corresponding character of the character string thus automatically recognized with an indicated correction candidate character obtained by the selection and indication of the correction candidate character thus displayed, and then transmits the corrected character to a center side processing terminal to process the procedures relating to the contract. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to an automatic contract system, an automatic contract reception machine, and an automatic contract method that automatically perform procedures related to various contracts such as loan contracts with financial institutions or consumer financial institutions by communication with a center. The present invention relates to an automatic contract system, an automatic contract reception machine and an automatic contract method that reduce the burden on the customer.

  2. Description of the Related Art In recent years, various automatic contract accepting machines and systems have been proposed and widely used that automatically perform procedures related to loan contracts with financial institutions or consumer financial institutions through communication with a center.

  Here, a flow of automatic contract processing in an automatic contract reception machine generally well known in the past will be described. The automatic contract processing performed in the automatic contract accepting machine includes processing related to new contracts, various change notifications, card reissues, etc. In the following example, the contract applicant (hereinafter referred to as “customer”). Describes the general flow of new contract processing when a new contract is made.

(1) The customer selects “new contract” as the processing content on the menu screen on the touch panel of the automatic contract acceptance machine.

(2) A customer sets an identification card such as a driver's license at a reading position of an image reading device such as a scanner of an automatic contract reception machine, and the automatic contract reception machine reads an image of the set identification card. At this time, there is a case where a process for allowing the customer to select the type of identification card is entered.

(3) The customer fills in the application form and sets it at the reading position of an image reading device such as a scanner of the automatic contract reception machine, and the automatic contract reception machine reads the image of the set application form.

(4) The image data obtained by reading the above (2) and (3) from the automatic contract acceptance machine is transmitted to the center.

(5) The center receives the image data transmitted in the above (4), displays the image on a display such as an operator terminal based on the received image data, and the operator displays the displayed image and the interpersonal camera. In addition to confirming the identity of the user based on the video from, confirm the contents of the application form. Here, if there are no deficiencies in the contents, the customer's identity is inquired and whether or not a contract is made is examined. On the other hand, if there is a deficiency in the entered content, an exchange for correcting the deficiency is performed between the operator and the customer by using the operator terminal and the call section of the automatic contract reception machine.

(6) If there is no incomplete application description, and the requirements are met and passed in the examination, the center issues an instruction to issue the contract to the customer's automatic contract acceptance machine and accepts the automatic contract. A contract is issued from the document issuing port of the machine.

(7) The customer signs the issued contract, sets it at the reading position of an image reading apparatus such as a scanner, and the automatic contract accepting machine reads the image of the set contract.

(8) The automatic contract acceptance machine transmits the image data read in (7) to the center.

(9) The center receives the image data transmitted by the transmission process of (8), displays the image on the display of the operator terminal based on the received image data, and the operator displays the displayed image. Confirm the contents of the contract based on the above. Even in this case, as described in (5) above, if there are any deficiencies in the contents of the entry, there is a deficiency in the description between the operator and the customer using the call section provided in the operator terminal and the automatic contract acceptance machine. Exchanges are made to correct.

(10) If there is no problem in the contents entered in the confirmation process of (9), the center side issues an instruction to import the contract to the corresponding customer's automatic contract reception machine, and the automatic contract reception machine Import processing is performed. In some cases, the operator may instruct the customer to insert a contract at a predetermined position of the automatic contract reception machine on the display or voice guidance provided on the automatic contract reception machine on the customer side. Put the contract in the automatic contract acceptance machine.

(11) When the acquisition of the contract into the automatic contract reception machine is completed, the automatic contract reception machine notifies the center of the completion of the acquisition, and then the center issues a card issuance instruction to the automatic contract reception machine, A card (loan card) is issued from the card issuing slot of the automatic contract acceptance machine. As a result, a series of processing relating to the new contract ends.

However, in the conventional automatic contract system described above,
(A) On the center side, the operator must spend a great deal of time in dealing with the customer up to the contract, such as confirming the contents of the documents entered by the customer and instructing the customer about the incompleteness of the entry, These causes a reduction in processing efficiency and are a heavy burden for operators. (A) In recent years, automatic contract acceptance machines tend to be installed in many places. As described above, if the response time per customer of the operator is long, there is a problem that personnel replenishment is required to deal with many customers, leading to an increase in labor costs.

  As a technique for solving the problems (a) and (b), the techniques described in Patent Document 1 and Patent Document 2 are known.

  That is, in Patent Document 1, the operator terminal determines whether or not there is an incomplete part on the document image sent from the customer terminal, and determines that there is a description defect. By sending the location information to display the red frame to the location judged to be incomplete, to the customer's terminal, and displaying it with the red frame added to the read document image on the customer's terminal display A configuration is described in which the customer is urged to correct the defective portion.

  In Patent Document 1, the operator terminal first determines whether or not there is an incomplete part on the document image sent from the customer side terminal, and it is determined that there is an incomplete entry. If a document image is incompletely checked using a character recognition (OCR) program, and if there is an incomplete description and the red frame is within the specified range, that point is displayed in a red frame. The location information of the customer is sent to the customer's terminal, and the display on the customer's terminal adds a red frame to the read document image and displays it. ing. In addition, the thing of this patent document 1 is to implement | achieve unmannedness more.

  Patent Document 2 also describes whether there is a non-entry part for each required entry item of the document on the customer's terminal or whether there is a description with a character attribute that cannot be used for each item. If there is a function to detect defective parts and there is a description defect, the display section etc. is used to indicate the defective entry frame, prompting the customer to correct it, and finally writing all the required entries A configuration is described in which image data of a read document is transmitted to an operator terminal on the center side only when the requirements are satisfied.

  However, in both Patent Document 1 and Patent Document 2, when character recognition processing is performed using OCR or the like, there is a description in characters registered in the dictionary (depending on how the customer fills in) (Including cases where characters are replaced with approximate dictionary registered characters other than those desired by the customer), if the description satisfies the character attributes specified in each description item, it is treated as having no description defect. In reality, however, the center operator has checked the typographical characters to see if they have been replaced with approximate characters other than those desired by the customer by OCR processing, or have characters been missing in the name, address, etc. Etc., it is necessary to carry out a blanking check with the customer using the call section, which places a heavy burden on the operator side.

  In addition, in Patent Document 1 and Patent Document 2, as a method of indicating incomplete description to the customer, a rough display indicating that omissions or unusable characters are used, or an entry that seems to have a typographical error Cases where only the method of highlighting the frame in red, etc. is used, and there are cases where it is difficult for the customer to accurately grasp the incomplete description and how to correct it As a result, it takes time for correction, thereby reducing the processing efficiency and increasing the burden on the operator.

Moreover, since the thing of the patent document 1 and the patent document 2 is not thinking about the response | compatibility when a customer is troubled with correction, it is very inconvenient for a customer.
Japanese Patent Laid-Open No. 10-240811 JP 2001-132590 A

  As described above, in the conventional automatic contract system, the operator on the center side checks the typographical character whether it has been replaced with an approximate character other than the character desired by the customer by OCR processing, or in the name and address, etc. It is usually necessary to perform a missing-letter check, such as whether characters are missing, between the customer and the customer by using a communication unit, and the burden on the operator side is large.

  In addition, there may be cases where it is difficult for the customer to accurately grasp the location where the description is not complete, or there may be cases where it is difficult to know how to make corrections. As efficiency decreases, the burden on the operator increases accordingly.

  Therefore, the present invention provides an automatic contract system, an automatic contract reception machine, and an automatic contract method that reduce the time required for an operator per customer as much as possible, reduce the burden on the operator, and reduce labor costs. For the purpose.

  In order to achieve the above object, the invention according to claim 1 is an automatic contract system for performing a procedure related to a contract by communication between an automatic contract receiver and a processing terminal on the center side. Means, automatic character recognition processing means for automatically recognizing a character string indicating at least personal information written on the document based on the image of the document related to the contract read by the image reading means, and automatic by the automatic character recognition processing means Display means for displaying the recognized character string together with correction candidate characters corresponding to each character, selection instruction receiving means for receiving a selection instruction for the correction candidate characters displayed by the display means, and instructions by the selection instruction receiving means Correction means for correcting the corresponding character of the automatically recognized character string by the corrected candidate characters, and the character corrected by the correction means The characterized by comprising a communication means for transferring to the processing terminal of the center side.

  The invention according to claim 2 is the invention according to claim 1, wherein the automatic contract acceptance machine determines the result of recognition by the automatic character recognition processing means when there is no corresponding character in the correction candidate characters. It further comprises a correction request means for sending a correction request to the processing terminal on the side.

  According to a third aspect of the present invention, in the first aspect of the invention, the automatic contract acceptance machine reads a personal identification document for performing personal identification by the image reading means, and personal identification information based on the read image information. Is transmitted to the processing terminal on the center side, and the processing terminal on the center side performs identity verification processing based on the identity verification information.

  According to a fourth aspect of the present invention, in an automatic contract accepting machine that performs a procedure related to a contract by communication with a processing terminal on the center side, an image reading unit and an image of a document related to a contract read by the image reading unit are provided. Based on the automatic character recognition processing means for automatically recognizing at least a character string indicating personal information described in the document, the character string automatically recognized by the automatic character recognition processing means is displayed together with the correction candidate character corresponding to each character. A display means, a selection instruction receiving means for receiving a selection instruction for the correction candidate character displayed by the display means, and a character corresponding to the character string automatically recognized by the correction candidate character instructed by the selection instruction receiving means. And a communication unit for transferring the character string corrected by the correction unit to the processing terminal on the center side. The features.

  According to a fifth aspect of the present invention, in the fourth aspect of the present invention, when there is no corresponding character among the correction candidate characters, the recognition result by the automatic character recognition processing means is transmitted to the processing terminal on the center side. And a correction request means for requesting correction.

  According to a sixth aspect of the present invention, in the invention of the fourth aspect, the image reading unit reads a personal identification document for performing personal identification, and the personal identification information based on the read image information is sent to the processing terminal on the center side. And the processing terminal on the center side performs identity verification processing based on the identity verification information.

  The invention according to claim 7 is an automatic contract method for performing a procedure related to a contract by communication between an automatic contract receiver and a processing terminal on the center side, wherein the automatic contract receiver receives an image of a document related to the contract. A character string indicating at least personal information written on the document based on the read image is automatically recognized by a character automatic recognition processing means, and the automatically recognized character string is a correction candidate corresponding to each character. Displayed on the display means together with the character, and by correcting the displayed character of the character string automatically recognized by the correction candidate character indicated by the instruction to select the correction candidate character displayed, the corrected character string A procedure related to the contract is performed by transferring to a processing terminal on the center side.

  The invention according to claim 8 is the invention according to claim 7, wherein the automatic contract accepting machine determines the result of recognition by the automatic character recognition processing means when there is no corresponding character in the correction candidate characters. A correction request is sent to the processing terminal on the side.

  Further, the invention according to claim 9 is the invention according to claim 7, wherein the automatic contract acceptance machine reads an identity verification document for performing identity verification by the image reading means, and identity verification information based on the read image information. Is transmitted to the processing terminal on the center side, and the processing terminal on the center side performs identity verification processing based on the identity verification information.

  According to the present invention, it is possible to minimize the response time that an operator spends per customer (customer), reduce the burden on the operator, and reduce labor costs. Basically, the OCR result is corrected by the customer, and only when there is no correct answer or when the process is cumbersome and not understood, the operator can handle it. Procedures can be performed.

  Hereinafter, embodiments according to the present invention will be described in detail with reference to the accompanying drawings.

  FIG. 1 is a diagram showing a configuration example of an automatic contract system 100 to which the present invention is applied. FIG. 2 is a diagram showing a schematic external configuration of the automatic contract acceptance machine 1 shown in FIG.

  In FIG. 1, the automatic contract system 100 is configured by connecting an automatic contract receiver 1 and an operator terminal 2 via a communication network 3.

  Here, the automatic contract acceptance machine 1 is installed in an unmanned store in the vicinity of a station or in the suburbs, and is operated by a customer (A) to exchange various information via the operator terminal 2 and the communication network 3. It is a device that automatically performs procedures related to loan agreements with financial institutions or consumer financial institutions.

  The operator terminal 2 is a terminal used by an operator (B) under the control of a financial institution or a consumer financial institution, and this operator terminal 2 can be used in a building of a financial institution or a consumer financial institution, or those It is installed in a center such as a financial institution or a consumer financial institution.

  The communication network 3 is a communication line that connects the automatic contract accepting machine 1 and the operator terminal 2. Normally, in such a system, personal information is communicated. Used.

  The automatic contract acceptance machine 1 includes a main control unit 11, a touch panel display 12, a printer 13, a scanner 14, a camera 15, a call unit 16, a card processing unit 17, a paper collecting unit 18, A sheet issuing unit 19 and a router 20 are provided.

  The main control unit 11 is a control device that comprehensively controls the entire automatic contract acceptance machine 1 and controls various processes of other components. In the present embodiment, as will be described in detail later, the main control unit 11 automatically performs character recognition processing from image data obtained by reading an image of a document on which a predetermined entry has been made by the customer (A), and at the same time the customer ( An OCR processing program 11-1 serving as software for editing the text data of the character recognition result according to the correction instruction in A) is provided.

  The touch panel display 12 is a user interface with a customer (A) that inputs or displays various information processed by the automatic contract acceptance machine 1. Specifically, the customer (A) can display and input various information simply by touching the display.

  The printer 13 prints a document (application form, contract form, etc.) related to the contract handled by the automatic contract accepting machine 1.

  The scanner 14 reads images of documents (certificate, insurance card, etc.) that prove the identity of the customer (A) and various documents related to the contract.

  The camera 15 is a photographing device that photographs the customer (A), and is used particularly for photographing the face of the customer (A).

  The calling unit 16 is a calling unit having a microphone and a speaker function used when a customer (A) makes a call with a center operator (B), and is realized by, for example, an IP phone.

  The card processing unit 17 includes a card reader / writer that reads card information or writes information to the card, and performs, for example, a loan card issuance process for a newly contracted customer.

  The paper collection unit 18 collects various documents related to the contract for which a predetermined entry has been made by the customer (A) in the automatic contract reception machine 1. The document collected in the apparatus is later taken out of the apparatus by the document collector and delivered to a financial institution or a consumer financial institution.

  The paper issuing unit 19 issues various documents related to the contract (application form, contract form, etc.).

  The router 20 is for performing data communication processing between the center operator terminal 2 and the automatic contract acceptance machine 1 via the communication network 3.

  The operator terminal 2 includes a control unit 21, a display 22, a call unit 23, and an input unit 24. Specifically, it is realized by a personal computer (PC) or the like.

  Here, the control unit 21 is a control device that comprehensively controls the operator terminal 2 as a whole. In the present embodiment, character recognition processing is automatically performed from the image data of various documents sent from the automatic contract accepting machine 1 described above, or text recognition result text data sent from the automatic contract accepting machine 1 is also used. An OCR processing program 21-1 serving as software for editing processing is included.

  The display 22 is a display device that displays various types of information. Specifically, an image obtained by reading a customer's identification card based on data transferred from the automatic contract acceptance machine 1, an original OCR recognition result, an OCR recognition result reflecting a customer's correction, or a camera. Displayed video and the like.

  The call unit 23 is a communication means for making a call with the customer (A) who uses the automatic contract accepting machine 1 described above, and is realized by, for example, an IP phone.

  The input unit 24 is input means used when the operator (B) inputs various information, and is realized by, for example, a keyboard or a mouse.

  The router 25 is for performing data communication processing between the operator terminal 2 and the above-described automatic contract acceptance machine 1 via the communication network 3.

  In addition, you may make it use when the said display is made into a touch-panel type and various information is input.

  In FIG. 2, the automatic contract acceptance machine 1 includes a camera 15, a touch panel display 12, a document presentation unit 101, a handset 102, a card issue port 103, and a paper issue port 104. A paper take-in mechanism 105 is provided at the back of 101.

  Here, the document presentation unit 101 is a part that reads an image of a document set by using the scanner 14 described in FIG. 1 by setting documents relating to various contracts entered by the customer (A).

  The handset 102 corresponds to the call unit 16 described with reference to FIG. 1 and is a call means including a speaker and a microphone used when a customer (A) makes a call with a center operator (B).

  The card issuing port 103 is an issuing port for issuing the loan card handled by the automatic contract accepting machine 1 to the customer (A) who has completed the contract.

  The paper issue port 104 is an issue port for issuing documents relating to various contracts necessary for the customer (A) to make various contracts to the customer (A).

  The paper take-in mechanism 105 is for taking a document into which the customer (A) has entered predetermined items.

  Next, the processing operation of the present invention having the above configuration will be described with reference to the flowcharts shown in FIGS.

  In the following example, a series of processes until the customer (A) makes a new contract and a loan card is issued will be described.

  In FIG. 3, in this process, since the customer (A) makes a new contract, first, the menu displayed on the touch panel display (hereinafter simply referred to as “display”) 12 by the customer (A), for example. On the screen 1201 (see FIG. 5), the “first contract person” selection item 1201-1 for making a new contract is touch-selected (step S1).

  Then, the automatic contract acceptance machine 1 shifts the display on the display 12 to a personal identification document selection screen (not shown). Thereby, the type of the personal identification document is selected by the customer (A) (step S2).

  Here, when the customer (A) uses the “license” as the identity verification document, for example, if the “license” selection item is touch-selected by the customer (A), then the automatic contract acceptance machine 1 Shifts the display on the display 12 to a personal identification document reading instruction screen (not shown). Based on the screen display, the license is set by the customer (A) in the document presentation unit (for example, in a red frame line written in advance on the surface of the document presentation unit). When the “set complete” button is pressed, the automatic contract acceptance machine 1 reads the image of the set personal identification document “license” (step S3).

  Thereafter, the automatic contract acceptance machine 1 uses the OCR processing program 11-1 to perform OCR processing of the image of the personal identification document “license” read in step S3, that is, described in the personal identification document “license”. Automatic recognition processing of characters (name, date of birth, permanent address, address, expiration date, etc.) is performed (step S4).

  When this automatic recognition process is completed, the automatic contract acceptance machine 1 shifts the display on the display 12 to an application form reading instruction screen (not shown), and the application form (C) from the paper issue port 104 [(a) of FIG. 22]. Issue Browse. The customer (A) then submits the application form (C) issued in the designated fields (name field, reading field, postal code field, current address field, address / condominium name field, telephone number field, date of birth field, age, etc. Column) and the like are entered (step S5).

  Then, an application form (C) [see FIG. 22 (b)] in which predetermined items are entered by the customer (A) based on the screen display is set in the document presentation unit 101. For example, the customer (A) When the “set complete” button is pressed, the automatic contract acceptance machine 1 reads the image of the set application form (step S6).

  Thereafter, the automatic contract acceptance machine 1 uses the OCR processing program 11-1 to perform OCR processing of the image of the application form (C) read in step S6, that is, automatic processing of characters described in the application form (C). Recognition processing is performed (step S7).

  Thereafter, the automatic contract acceptance machine 1 displays the OCR result of the application form (C) in step S7 on the display 12 (step S8). Specifically, when displaying an original OCR recognition result that has not been subjected to editing processing described later, it is displayed on the display 12 as an OCR result confirmation screen 1202 as shown in FIG.

  Further, when displaying the OCR recognition result edited in accordance with the correction instruction from the customer (A), for example, an OCR result confirmation screen 1202a as shown in FIG. On the correction screen, every time correction is performed by the customer, a result reflecting the corrected character is displayed.

  Next, the automatic contract reception machine 1 touch-selects either the confirmation button 1202-1, the correction item button 1202-2, or the correction request button 1205-3 by the customer (A) on the displayed OCR result confirmation screen 1205. (Step S9, step S10, step S11).

  Here, when the correction item button 1202-2 is touch-selected by the customer (A) (step S10 YES), the automatic contract acceptance machine 1 then displays the OCR result correction screen corresponding to each selected item (FIG. 7, FIG. 9 to 14) is displayed on the display 12 (step S12).

  Then, the automatic contract acceptance machine 1 waits for a correction target character different from the character string of the OCR result from the correction candidate characters by the customer (A) on the displayed OCR result correction screen and corrects it. Correction for the “confirmation button” used when the correction is completed or when the correction screen is canceled, or the “not applicable button” used when there is no desired character in the correction candidate characters, or the center operator (B) It waits for any of the “correction request buttons” used for making a request to be touch-selected (step S13, step S15, step S18, step S20).

  Here, during this standby, the automatic contract acceptance machine 1 selects a correction target character different from the character string of the OCR result from among the correction candidate characters on the OCR result correction screen displayed by the customer (A). (Step S13 YES) Each time a selection is made, the selected correction character is overwritten and stored in association with the character at the corresponding correction portion of the OCR result (Step S14).

  When the confirmation button is touch-selected by the customer (A) during the standby (YES in step S15), the automatic contract acceptance machine 1 checks whether or not the selected correction character is stored in the process of step S14. (Step S16) If the correction character is stored, that is, if the customer (A) instructs to correct the OCR result (YES in step S16), the character of the corresponding correction portion in the text data of the OCR result and its An editing process is performed to replace the stored selected correction character (step S17), and the process returns to the above-described step S8 to display the OCR result confirmation screen. That is, in this case, a display reflecting the corrected character is performed based on the edited text data. On the other hand, if the selected correction character is not stored as a result of the check in step S16, that is, if the customer (A) has not instructed correction of the OCR result (NO in step S16), the correction processing of the OCR result is not performed. Returning to step S8, the OCR result confirmation screen is displayed. That is, in this case, the OCR result confirmation screen displayed before the correction screen is displayed is displayed.

  Further, when the non-applicable button is touch-selected by the customer (A) during the standby (YES in step S18), the automatic contract acceptance machine 1 is not applicable in association with the item corresponding to the currently displayed OCR result correction screen. The non-applicable button pressing flag indicating that the button has been pressed by the customer is turned ON (step S19), and the process returns to the above-described step S8 to display the OCR result confirmation screen.

  Further, if the correction request button is touch-selected by the customer (A) during the standby (YES in step S20), the automatic contract accepting machine 1 moves to step S22 in FIG. 4 and the operator terminal of the center (B). 2. A correction request process is performed for 2.

  On the other hand, when the confirmation button 1202-1 is touch-selected by the customer (A) on the OCR result confirmation screen 1205 in the process of step S9 (YES in step S9), the automatic contract acceptance machine 1 has the corresponding button pressed. It is determined whether there is an item (step S21).

  Here, if there is an item for which the non-applicable button is pressed based on the non-applicable button pressing flag (YES in step S21), the automatic contract accepting machine 1 sends a correction request notification to the operator terminal 2 in the center (step S22). Then, the image read in the process of step S7 and the OCR result [the original OCR result that has not been edited and the OCR result that reflects the edited corrected character] are transmitted to the operator terminal 2 (step S23).

  Then, the operator (B) corrects the OCR result on the operator terminal 2 (step S24). Then, the correction result is transmitted from the operator terminal 2 to the automatic contract acceptance machine 1. Then, the automatic contract reception machine 1 receives the correction result and displays the correction result on the display 12 (step S25). In this case, the correction result may be displayed using, for example, the OCR result confirmation screen shown in FIG. 8 described above, or may be displayed using a dedicated screen.

  Here, when it is determined that the correction result displayed by the customer (A) is acceptable and the confirmation button is pressed (YES in step S26), the automatic contract acceptance machine 1 proceeds to step S28 described later, and the image read in step S7. And OCR results are saved.

  On the other hand, when the customer (A) judges that the displayed correction result is not good and presses the correction request button without pressing the confirmation button, or when the operator is notified that the correction is not correct by using the call section (step) S26NO), the process returns to step S24, and re-correction processing is performed by the operator while making a direct call with the customer using the call unit or the like.

  On the other hand, when it is determined in the determination process in step S21 that there is no item for which the non-applicable button has been pressed (NO in step S21), the automatic contract acceptance machine 1 uses the image read in step S7 and the OCR result. Transmission processing is performed for the operator terminal 2 at the center (step S27).

  Thereafter, the automatic contract receiver 1 stores the image and OCR result transmitted to the operator terminal 2 (step S28). When the saving is completed, an application form is taken into the apparatus (step S29).

  Thereafter, in the automatic contract acceptance machine 1, an attribute question is made to the customer (A) using the telephone call unit and the display (step S30). The attribute question referred to here is a general question such as “What is the family structure?” Or “What is your hobby?”, And a credit inquiry survey is performed during this attribute question. Further, the center side performs final confirmation of the image and the OCR result, and identity verification by comparing the face of the license with the face of the customer (A) captured by the camera. Although not actually performed, the identity verification may be performed automatically by comparing the face image of the license with the face image taken by the camera. The OCR result can be linked to a credit inquiry.

  Then, if the examination result is passed on the center side (step S31 YES), the automatic contract acceptance machine 1 performs a process of issuing a contract from the paper issue port 104 based on a command from the center. Then, the customer (A) fills in the predetermined entry column of the issued contract (step S32).

  Thereafter, based on the display on the screen, the contract written by the customer (A) is set in the document presentation unit 101, and the automatic contract receiver 1 reads the image of the set contract (step S33). .

  Then, the automatic contract receiver 1 transmits the read contract image to the operator terminal 2 (step S34). Then, on the center side, the operator (B) determines whether or not the contract contents are correct (step S35). Actually, as the check here, a confirmation process is performed to check whether the name is properly written in the contract.

  As a result of the determination, if it is determined that the contract content is correct (YES in step S35), the automatic contract accepting machine 1 takes in the contract document and processes it (step S36). Thereafter, the automatic contract acceptance machine 1 performs a loan card issuance process (step S37), and ends the process here.

  On the other hand, as a result of the determination in step S35, if it is determined that there is an error in the contract content (NO in step S35), a correction entry instruction is issued to the customer (A) (step S38). Then, the process returns to the above-described step S33, the customer (A) fills in the contract again, and the same processing is performed thereafter. Here, depending on the type of customer's (A) entry mistake (for example, when an incorrect character is entered), the process returns to step S32 again to reissue the contract. May be.

  Further, in the determination process of step S31, if the examination result is unacceptable (NO in step S31), an acceptance rejection screen is displayed (step S38), and the process here ends.

  In step S23 and step S27 of the above processing procedure, all image data (image data of the identity verification document and image data of the application form) and the OCR result are transmitted to the center side. Not limited to this, it may be transmitted separately. In other words, an image of a personal identification document such as a license may be sent separately with the OCR result after the OCR processing.

  Although not described in the above description, when the image and the OCR result are transmitted to the center without requesting correction to the operator in step S27 of the above processing procedure, the OCR result is transmitted by the center operator (B). It is preferable to finally confirm whether the image matches. At this time, the operator terminal 2 may display the image and the OCR result side by side so that the operator can check, or the operator can check the image while outputting the OCR result by voice. . In this confirmation process, if the operator finds a deficiency in the description, the operator makes corrections while talking to the customer using the call section or the like.

  Here, a paper collection port may be provided to allow the customer (A) to input a document.

  Further, in the processing procedure shown in FIG. 3, when the non-applicable button is pressed in step S21 (YES in step S21), the correction request character is increased instead of immediately making a correction request to the operator terminal 2 at the center. Alternatively, the OCR correction screen may be displayed so that the customer can make corrections again.

  In the above embodiment, only the correction of the OCR recognition result of the application form and the contract is described, but the same document r may be applied to the identity verification document such as a license.

  Next, an operation method when the customer (A) corrects the OCR result of the application form (C) in the processing procedure of FIG. 3 will be described. Specifically, the user presses the correction item button in step S10 in the processing procedure of FIG. 3, and the user corrects the OCR result using the OCR correction screen displayed on the display 12 in step S12. The operation procedure in this case will be described.

  In the following, as shown in FIG. 6, each item of “name”, “phonetic”, “postal code”, “current address”, “phone number”, “date of birth”, and “age” of the OCR recognition result If there is an error character in (1): “Name” → (2): “Reading” → (3): “Postal code” → (4): “Current address” → (5) A case will be described in which correction is performed in the order of “phone number” → (6): “date of birth” → (7): “age”.

(1) A case where the customer (A) corrects the “name” item by referring to the OCR result confirmation screen 1202 shown in FIG. 6 will be described with reference to FIG.

  When the customer (A) touches and selects the “name” button 1202-2a included in the correction item button 1202-2 on the OCR result confirmation screen 1202 shown in FIG. 6, the name correction screen 1203 shown in FIG. Is done.

  In this screen display, the OCR is erroneously recognized depending on how the customer (A) fills in the application form (C), and the original correct name “Taro Eiko” is displayed as the OCR recognition result display 1203- 1 is shown.

  In this case, the customer (A) corrects the erroneous character “榮” to the correct character “Sakae”. That is, in this case, the customer (A) corrects using the corrected character selection candidate button group 1203-2 displayed on the lower side of the OCR recognition result display 1203-1.

  The corrected character selection candidate button group 1203-2 shown here displays several similar characters for each character of the name of the OCR recognition result as a correction candidate character, and becomes a selection button by a touch panel type for each of the display characters. ing. That is, the automatic contract acceptance machine 1 internally calculates several similar characters for each character of the “name” of the customer of the OCR recognition result and displays them as selection buttons.

  Specifically, in this case, since the customer (A) corrects the first character “榮” of the OCR recognition result of the name to “Sakae”, “Sakae” in the corrected character selection candidate button group 1203-2 The displayed button 1203-2a is touch-selected. As a result, the automatic contract acceptance machine 1 associates the first character “榮” of the customer “name” of the OCR recognition result with the correction candidate character “Sakae” in step S14 of FIG. To do.

  Since there is no other character to be corrected, the customer (A) touches and selects the “confirm” button 1203-3 in order to stop the correction operation on the name correction screen 1203. Then, in step S17 in FIG. 3 described above, the automatic contract acceptance machine 1 internally recognizes the OCR recognition result so that the correction candidate character “Sakae” is included in the OCR recognition result instead of the first character “榮” of the name of the OCR recognition result. The resulting text data is edited, and in step S8 of FIG. 3, the OCR result confirmation screen 1202a (see FIG. 8) showing the OCR recognition result reflecting the corrected character based on the edited text data is displayed on the display 12. To display. In this OCR result confirmation screen 1202a, unlike the screen in FIG. 6, the first character from the left of the screen display of the “name” item is corrected to “sakae”.

  Note that the name correction screen 1203 shown in FIG. 7 shows a case where a candidate character (“Sakae”) desired by the customer (A) is displayed in the correction character selection candidate. When the candidate character (“Sakae”) desired by the customer (A) is not displayed on the screen, the customer (A) touches and selects the “not applicable” button 1203-4 separately from the above. .

  Then, in step S19 of FIG. 3 described above, the automatic contract accepting machine 1 sets and manages an irrelevant button pressing flag indicating that the irrelevant button has been pressed in association with the correction item “name”. As a result, it is detected in step S21 in FIG. 4 that the non-applicable button has been pressed, and as a subsequent process, the process proceeds to step S22 to perform a correction request process to the operator (B).

  On the other hand, in the name correction screen 1203, when it is difficult to know how to make a correction separately from the above-described correction process and non-applicable process, the customer (A) touch-selects a “request for correction” button 1203-5. To do. Then, the automatic contract acceptance machine 1 becomes YES in the process of step S20 in FIG. 3, and, as a process after that, transitions to step S22 in FIG. 4 and performs a correction request process to the operator (B).

(2) A case where the “reading” item is corrected after the name correction in (1) above will be described with reference to FIG.

  When the customer (A) touches and selects the “Reading” button 1202-2b included in the correction item button 1202-2 on the OCR result confirmation screen 1202 shown in FIG. 6, the reading correction screen 1204 shown in FIG. Is done.

  This screen display shows an example in which OCR recognition is erroneously performed, and the original correct reading “Eikotarou” is displayed as the OCR recognition result display 1204-1 as the incorrect reading “Kiikoutarou”.

  In this case, the customer (A) corrects the incorrect character “ki” to the correct character “e”. In this case, the customer (A) corrects using the corrected character selection candidate button group 1204-2 displayed on the lower side of the OCR recognition result display 1204-1.

  That is, the button 1204-2a displayed as “D” in the correction character selection candidate button group 1204-2 is touch-selected. As a result, the automatic contract reception machine 1 performs the overwrite storage process in step S14 of FIG. 3 described above by associating the first character “ki” of the customer “phonetic” of the OCR recognition result with the correction candidate character “e”. To do.

  Since there is no other character to be corrected, the customer (A) touches and selects the “confirm” button 1204-3 in order to stop the correction operation on the reading correction screen 1204. Then, in step S17 of FIG. 3 described above, the automatic contract acceptance machine 1 internally recognizes the OCR recognition result so that the correction candidate character “d” is included in the OCR recognition result instead of the leading character “ki” of the reading of the OCR recognition result. The resulting character text data is edited, and an OCR result confirmation screen showing the OCR recognition result reflecting the corrected characters based on the edited text data is displayed on the display 12 in step S8 of FIG. Although not shown in the figure, the OCR result confirmation screen here is a screen in which the first character from the left of the screen display of the “Fragana” item on the OCR result confirmation screen 1202a in FIG.

  In the reading correction screen 1204 shown in FIG. 9, a case has been shown in which the candidate character (“e”) desired by the customer (A) is displayed among the correction character selection candidates. If the candidate character ("D") is not displayed on the screen, or if the user does not know how to correct it, touch the "N / A" button 1204-4 or the "Request correction" button 1204-5 to explain it in FIG. Processing similar to that described above is performed.

(3) A case where the “zip code” item is corrected after correcting the reading in (2) will be described with reference to FIG.

  When the customer (A) touches and selects the “postal code” button 1202-2c included in the correction item button 1202-2 on the OCR result confirmation screen 1202 shown in FIG. 6, the postal code correction screen 1205 shown in FIG. Is displayed.

  This screen display shows an example in which OCR recognition is erroneously performed, and the original correct zip code “670-8567” is displayed as the OCR recognition result display 1202-1 as the incorrect zip code “670-8561”.

  In this case, since the customer (A) wants to correct the incorrect character “1” to the correct character “7”, the customer (A) is displayed below the OCR recognition result display 1205-1. Correction is performed using the corrected character selection candidate button group 1205-2.

  That is, the button 1205-2h displayed as “7” in the corrected character selection candidate button group 1205-2 is touch-selected. Thereby, the automatic contract acceptance machine 1 overwrites the last character “1” of the customer “zip code” of the OCR recognition result in association with the correction candidate character “7” in step S14 of FIG. 3 described above. Perform amnestic processing.

  The other operations are the same as the “name” correcting operation shown in FIG. 7 and the “reading” correcting operation shown in FIG.

(4) The case where the “current address” item is corrected after the postal code correction in (3) above will be described with reference to FIG.

  When the customer (A) touches and selects the “current address” button 1202-2d included in the correction item button 1202-2 on the OCR result confirmation screen 1202 shown in FIG. 6, the current address correction screen 1206 shown in FIG. Is done.

  In this screen display, the OCR recognition is erroneously performed, and the OCR recognition result display 1206-1 is displayed as the correct current address “Shimoteno, Himeji City, Hyogo Prefecture” as the incorrect current address “Shimoteno City, Hyogo Prefecture Hyogo Prefecture”. Show.

  In this case, the customer (A) wants to correct the incorrect characters “Last name” and “Tangle” to the correct characters “Hime” and “Road”, respectively. Correction is performed using the corrected character selection candidate button group 1206-2 displayed on the lower side of the recognition result display 1206-1.

  That is, the button 1206-2f displayed as “princess” and the button 1206-2j displayed as “road” in the correction character selection candidate button group 1206-2 are touch-selected. As a result, the automatic contract acceptance machine 1 internally performs the character “surname” of the “current address” of the customer as the OCR recognition result, the correction candidate character “Princess”, the character “Tangle”, and the correction candidate in Step S14 of FIG. 3 described above. The character “road” is associated and overwritten and stored.

  The other operations are the same as the “name” correcting operation shown in FIG. 7 and the “reading” correcting operation shown in FIG.

(5) The case where the “telephone number” item is corrected after the current address correction in (4) above will be described with reference to FIG.

  When the customer touches and selects the “telephone number” button 1202-2f included in the correction item button 1202-2 on the OCR result confirmation screen 1202 shown in FIG. 6, the postal code correction screen 1207 shown in FIG. The

  This screen display shows an example in which OCR recognition is erroneously performed, and the original correct telephone number “0792929999” is displayed as the OCR recognition result display 1207-1 as the erroneous telephone number “019292929999”.

  In this case, since the customer wants to correct the erroneous character “1” to the correct character “7”, the customer selects the corrected character selection candidate button group displayed on the lower side of the OCR recognition result display 1207-1. Correct using 1207-2.

  That is, the button 1207-2b displayed as “7” in the corrected character selection candidate button group 1207-2 is touch-selected. Thereby, the automatic contract acceptance machine 1 associates the second character “1” of the customer “phone number” of the OCR recognition result with the correction candidate character “7” in the step S14 of FIG. 3 described above. Overwrite storage process.

  The other operations are the same as the “name” correcting operation shown in FIG. 7 and the “reading” correcting operation shown in FIG.

(6) The case where the “birth date” item is corrected after the telephone number correction in (5) above will be described with reference to FIG.

  When the customer (A) touches and selects the “birth date” button 1202-2g included in the correction item button 1202-2 on the OCR result confirmation screen 1202 shown in FIG. 6, the birth date correction screen as shown in FIG. 1208 is displayed on the display 12.

  This screen display shows an example in which OCR recognition is erroneously performed, and the original birth date “19 11 01” is displayed as the OCR recognition result display 1208-1 as the wrong birth date “79 11 01”. .

  In this case, since the customer (A) wants to correct the erroneous character “7” to the correct character “1”, the corrected character selection candidate button group displayed on the lower side of the OCR recognition result display 1208-1. 1208-2 is used for correction.

  That is, the button 1208-2a displayed as “1” in the corrected character selection candidate button group 1208-2 is touch-selected. Thereby, the automatic contract reception machine 1 associates the first character “7” of the “birth date” of the customer of the OCR recognition result with the correction candidate character “1” in the step S14 of FIG. 3 described above. Overwrite storage process.

  The other operations are the same as the “name” correcting operation shown in FIG. 7 and the “reading” correcting operation shown in FIG.

(7) The case where the customer (A) corrects the “age” item after the date of birth correction in (6) above will be described with reference to FIG.

  When the customer (A) touches and selects the “age” button 1202-2h included in the correction item button 1202-2 on the OCR result confirmation screen 1202 shown in FIG. 6, the age correction screen 1209 shown in FIG. Is done.

  This screen display shows an example in which OCR recognition is erroneously performed, and the original correct age “59” is displayed as the OCR recognition result display 1209-1 as the incorrect age “57”.

  In this case, the customer (A) corrects the wrong number “7” to the correct number “9”.

  That is, the button 1209-2c displayed as “9” in the corrected character selection candidate button group 1209-2 is touch-selected. As a result, the automatic contract acceptance machine 1 stores the last character “1” of the customer “age” of the OCR recognition result and the correction candidate character “9” in association with each other in step S14 of FIG. Process.

  The other operations are the same as the “name” correcting operation shown in FIG. 7 and the “reading” correcting operation shown in FIG.

  As a result of the correction operations described in (1) to (7) above, the customer (A) makes the “name”, “phonetic”, “postal code”, “current address”, “phone number”, “birth date” of the OCR recognition result. The error for each item of “day” and “age” can be corrected as in the OCR result confirmation screen 1202b shown in FIG.

  Then, the customer (A) touches and selects the “confirm” button 1202-1 on the OCR result confirmation screen 1202b shown in FIG. Then, the automatic contract acceptance machine 1 determines that the “confirm” button has been pressed in step S9 shown in FIG. 3 (YES in step S9), transitions to step S21 in FIG. 4, and displays the image to the operator terminal 2 and A transmission process of the OCR result (in this case, the one reflecting the corrected character) is performed.

  Instead of the correction screens shown in FIGS. 9 to 14, the correction screens shown in FIGS. 16 to 21 may be used.

  The reading correction screen 1204 ′ shown in FIG. 16 is configured not to correct an erroneous character but to input all the readings of the customer (A) from the head using the button 1204′-2 of the input kana candidate list. The

  That is, in the reading correction screen 1204 ′ shown in FIG. 16, a selected character display field 1204′-1 is provided instead of the OCR recognition result display 1204-1 shown in FIG. A “return one character” button 1204′-6 is provided for use in correcting the characters displayed in the selected character display field 1204′-1 after being input in step (1).

  The postal code correction screen 1205 'shown in FIG. 17 is also configured to directly input all of the customer's postal codes using the input number candidate list button 1205'-2 instead of correcting an erroneous character.

  Further, in the postal code correction screen 1205 ′ of FIG. 17, a selected character display field 1205′-1 is provided instead of the OCR recognition result display 1212-1 shown in FIG. 10, and the input number list button 1205′-2 is used. A “return one character” button 1205′-6 used for correcting the character displayed and displayed in the selected character display field 1205′-1 and a “postal code unknown” button 1205′-7 used when the postal code is unknown. Provide.

  The current address correction screen 1206 ′ shown in FIG. 18 does not correct wrong characters, but pre-registers a selection candidate character string group of addresses close to the character string group of the current address of the customer (A) based on the OCR recognition result of the current address. A selection number button 1206′-2 for searching and displaying the address character string group information of the whole country, and selecting each selection candidate character string group corresponding to the displayed selection candidate character string group Is displayed, and a character string of the customer's current address is selected from these.

  The phone number correction screen 1207 ′ shown in FIG. 19 is configured not to correct wrong characters but to directly input all the phone numbers of the customer (A) using the input number candidate list button 1207′-2. Is done.

  Further, in the telephone number correction screen 1207 ′ shown in FIG. 19, a selected character display field 1207′-1 is provided in place of the OCR recognition result display 1207-1 shown in FIG. 12, and the input number candidate list button 1207′- A “return one character” button 1207′-6, which is used when the character input in step 2 and the character displayed in the selected character display field 1207′-1 is corrected, is provided.

  The date of birth correction screen 1208 ′ shown in FIG. 20 does not correct wrong characters but directly inputs the date of birth of the customer (A) using the input number candidate list button 1208′-2. It is configured.

  Further, in the birth date correction screen 1208 ′ of FIG. 20, a selected character display field 1208′-1 is provided instead of the OCR recognition result display 1208-1 of FIG. 13, and a button 1208′-2 of the input number candidate list is used. A “return one character” button 1208′-6 is provided which is used when the characters entered and displayed in the selected character display field 1208′-1 are corrected.

  In addition, the date of birth correction screen 1209 ′ shown in FIG. 21 does not correct an incorrect character, but directly inputs all the dates of birth of the customer (A) using the input number candidate list button 1209′-2. Configured to let

  In addition, in the age correction screen 1209 ′ shown in FIG. 21, a selected character display field 1209′-1 is provided instead of the OCR recognition result display 1209-1 shown in FIG. A “return one character” button 1209′-6 is provided that is used when the character entered in step 2 and displayed in the selected character display field 1209′-1 is corrected.

  Note that the “confirm” button 1204′-3 and “correction request” button 1204′-5 shown in FIG. 16 and the “confirm” button 1205′-3 and “correction request” button 1205′-5 shown in FIG. 17 and FIG. "Confirmation" button 1206'-3 and "Correction request" button 1206'-5 shown in FIG. 19, "Confirmation" button 1207'-3 and "Request correction" button 1207'-5 shown in FIG. 19, and "Confirmation" shown in FIG. "Button 1208'-3 and" correction request "button 1208'-5 and" confirmation "button 1209'-3 and" request for correction "1209'-5 shown in FIG. It plays the same role as the “Confirm” button and the “Request correction” button. Further, the “not applicable” button 1206 ′-4 shown in FIG. 18 plays the same role as the “not applicable” button shown in FIG. 11.

  In addition to the correction screen described above, in particular, all items registered in the dictionary other than the “zip code”, “phone number”, “birth date”, and “age” items for correcting numbers are used. You may make it display the screen which can search and correct the character which a customer desires character by character from character.

  Further, in the above-described embodiment, the “correction request” button is provided for each correction screen, but the “correction request” button is not provided for each of these correction screens, and only the “correction request” is displayed on the OCR result confirmation screen. A button may be provided.

  Further, in the above-described embodiment, if there is a character that cannot be determined as a result of the OCR process in step S7 of the processing procedure of FIG. It is also possible to automatically display the correction screen without making a transition to, and to request correction from the customer.

  In the above-described embodiment, the case where an incorrect character is included in the OCR recognition result has been described as an example in the case where correction is required. There are cases where the user misunderstands and enters wrong characters, or when there is an omission (no entry) where the customer does not fill in anything that must be filled in.

  As described above, according to the configuration in which the display of the OCR recognition result and the customer's correction instruction based on the display of the present invention are reflected in the OCR recognition result, and then the document data is transmitted to the center side, the characters misrecognized by the OCR In addition, it is possible to have the customer check once for mistakes or omissions, which can eliminate the work that was previously done on the operator side, greatly reducing the burden on the operator, and the center side. Can significantly reduce the number of operators prepared and can cut labor costs significantly.

  That is, since the OCR result is basically corrected by the customer and the operator (B) is only supported when there is no correct answer or when the processing is cumbersome and not understood, the burden on the operator (B) is reduced. The customer can carry out the contract procedure without trouble with processing.

In the embodiment described above, the application form is described as an example of the document. However, in addition to this, the application form may be applied to a contract form, various change notices, a card reissue form, and the like. . However, when it is applied to important documents such as contracts, the customer is allowed to revise the characters written in the contracts. In other words, a horizontal line is drawn at the error part and the correct character is entered. As a result, a contract with the correct content is taken into the apparatus.
In the above embodiment, the OCR recognition result and the correction screen are switched and displayed on the same display. However, other than this, the OCR recognition result and the correction screen may be displayed side by side.

  INDUSTRIAL APPLICABILITY The automatic contract system, automatic contract reception machine, and automatic contract method of the present invention can be used for an automatic contract reception machine and a system that automatically perform procedures related to various contracts such as loan contracts with financial institutions or consumer financial institutions. is there. According to the present invention, it is possible to minimize the response time that an operator spends per customer (customer), reduce the burden on the operator, and reduce labor costs. Basically, the OCR result is corrected by the customer, and only when there is no correct answer or when the process is cumbersome and not understood, the operator can handle it. You can do the procedure.

It is a figure which shows one structural example of the automatic contract reception system to which this invention is applied. It is a figure which shows the outline external appearance structure of the automatic contract acceptance machine shown in FIG. It is a flowchart which shows the processing operation procedure of the automatic contract reception system shown in FIG. It is a flowchart which shows the processing operation procedure of the automatic contract reception system shown in FIG. It is a figure which shows an example of a menu screen. It is a figure which shows an example of an OCR result confirmation screen. It is a figure which shows an example of a name correction screen. It is a figure which shows an example of an OCR result confirmation screen. It is a figure which shows an example of a reading correction screen. It is a figure which shows an example of a zip code correction screen. It is a figure which shows an example of the present address correction screen. It is a figure which shows an example of a telephone number correction screen. It is a figure which shows an example of a birth date correction screen. It is a figure which shows an example of an age correction screen. It is a figure which shows an example of an OCR result confirmation screen. It is a figure which shows the other example of a reading correction screen. It is a figure which shows the other example of a postal code correction screen. It is a figure which shows the other example of the present address correction screen. It is a figure which shows the other example of a telephone number correction screen. It is a figure which shows the other example of a birth date correction screen. It is a figure which shows the other example of an age correction screen. It is a figure which shows an example of an application form.

Explanation of symbols

DESCRIPTION OF SYMBOLS 100 ... Automatic contract system 1 ... Automatic contract reception machine 2 ... Operator terminal 3 ... Communication network 11 ... Main control part 11-1 ... OCR processing program 12 ... Touch panel type display 13 ... Printer 14 ... Scanner 15 ... Camera 16 ... Call part DESCRIPTION OF SYMBOLS 17 ... Card processing part 18 ... Paper collection part 19 ... Paper issue part 20 ... Router 21 ... Control part 22 ... Display 23 ... Calling part 24 ... Input part 25 ... Router 21-1 ... OCR processing program 101 ... Document presentation part 102 ... Handset 104 ... Paper issue port 105 ... Paper take-in mechanism A ... Customer B ... Operator C ... Application form

Claims (9)

In an automatic contract system that performs contract-related procedures by communication between the automatic contract acceptance machine and the processing terminal on the center side,
The automatic contract acceptance machine is
Image reading means;
Automatic character recognition processing means for automatically recognizing a character string indicating at least personal information written on the document based on the image of the document related to the contract read by the image reading means;
Display means for displaying a character string automatically recognized by the automatic character recognition processing means together with correction candidate characters corresponding to each character;
A selection instruction receiving means for receiving a selection instruction for the correction candidate character displayed by the display means;
Correction means for correcting the corresponding character of the automatically recognized character string by the correction candidate character specified by the selection instruction receiving means;
An automatic contract system comprising: communication means for transferring the character string corrected by the correction means to the processing terminal on the center side. The automatic contract acceptance machine is
When there is no corresponding character among the correction candidate characters, it further comprises correction request means for sending a recognition result by the automatic character recognition processing means to the processing terminal on the center side and making a correction request. The automatic contract system according to claim 1. The automatic contract acceptance machine is
Read the identity verification document for performing identity verification by the image reading means, send the identity verification information based on the read image information to the processing terminal on the center side,
The processing terminal on the center side is
The automatic contract system according to claim 1, wherein identity verification processing is performed based on the identity verification information. In the automatic contract acceptance machine that performs the procedure related to the contract by communication with the processing terminal on the center side,
Image reading means;
Automatic character recognition processing means for automatically recognizing a character string indicating at least personal information written on the document based on the image of the document related to the contract read by the image reading means;
Display means for displaying a character string automatically recognized by the automatic character recognition processing means together with correction candidate characters corresponding to each character;
A selection instruction receiving means for receiving a selection instruction for the correction candidate character displayed by the display means;
Correction means for correcting the corresponding character of the automatically recognized character string by the correction candidate character specified by the selection instruction receiving means;
An automatic contract accepting machine comprising: a communication unit configured to transfer the character string corrected by the correcting unit to the processing terminal on the center side. When there is no corresponding character among the correction candidate characters, it further comprises correction request means for sending a recognition result by the automatic character recognition processing means to the processing terminal on the center side and making a correction request. The automatic contract reception machine according to claim 4. Read the identity verification document for performing identity verification by the image reading means, send the identity verification information based on the read image information to the processing terminal on the center side,
The processing terminal on the center side is
5. The automatic contract acceptance machine according to claim 4, wherein a personal identification process is performed based on the personal identification information. In the automatic contract method that performs procedures related to contracts by communication between the automatic contract acceptance machine and the processing terminal on the center side,
The automatic contract reception machine reads an image of a document related to a contract with an image reading unit,
A character string indicating at least personal information written on the document based on the read image is automatically recognized by a character automatic recognition processing means,
Displaying the automatically recognized character string on the display unit together with the correction candidate characters corresponding to each character;
Correcting the corresponding character of the automatically recognized character string by the indicated correction candidate character according to the displayed correction candidate character selection instruction,
An automatic contract method characterized in that a procedure related to the contract is performed by transferring the corrected character string to the processing terminal on the center side. The automatic contract reception machine, when there is no corresponding character among the correction candidate characters, sends a recognition result by the automatic character recognition processing means to the processing terminal on the center side to make a correction request, The automatic contract method according to claim 7. The automatic contract acceptance machine reads an identity verification document for performing identity verification by the image reading means, and transmits identity verification information based on the read image information to the processing terminal on the center side,
The automatic contract method according to claim 7, wherein the processing terminal on the center side performs identity verification processing based on the identity verification information.

Images