JP2005215844A - Automated loan-application system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enable a customer to restart processing of a procedure regardless of the length of interruption time. <P>SOLUTION: Automated loan-application terminals 1-1 to 1-n acquire and transmit, when a customer selects a menu, an image of the customer to an integrated reception center 3, receive a reception number which approves the receipt of the image of the customer from the integrated reception center 3, and assign the reception number to the customer. The integrated reception center 3 examines, upon transmitting the reception number, the propriety of a transaction contract with the customer, stores the progress to report the result to the customer in a database server 5. When the procedure is interrupted before the result is reported to the customer, and the reception number is received again from the automated loan-application terminals 1-1 to 1-n, the center 3 restarts the procedure again to retrieve the database server 5 based on at least the reception number, and restarts the procedure from the procedure after the interruption. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to an unmanned contract system employed in a financial institution or the like.

  In recent years, in financial institutions, installation of financial automation devices has become common due to demands for rationalization and labor saving such as holiday operation and 24-hour operation. The spread of unattended contract systems that perform unattended contract services between customers and financial institutions, which should be executed at financial institutions, as well as automatic cash payments and automatic deposits, is increasing. The contract method of this conventional unattended contract system will be described below with reference to the drawings.

FIG. 4 is a flowchart of a conventional unattended contract method.
In this unattended contract method, there is a diagram between the unmanned contract terminals 20-1 to 20-n disposed at a place away from the window of a financial institution and the central reception center 23 disposed inside the financial institution. Unattended contracts are executed according to the steps in the middle.

Step S101
When a contract applicant entering the booth where the unmanned contract terminals 20-1 to 20-n are located is positioned in front of the display, the unattended contract terminals 20-1 to 20-n are displayed on a transaction contract menu (opening a new account). , Open a loan payment account, etc.) on the display and request menu selection.

Step S102
When the contract applicant selects (reserves) one of the menus, execution of the transaction contract is started.
Step S103
Guidance on the procedure and content of the transaction contract is given on the display, and the contract applicant sees this guidance and understands the content and procedure. At the same time, documents necessary for normal contract procedures are also displayed.

Step S104
The contract applicant fills in the application form according to the instructions on the display, causes the scanner provided in the unmanned contract terminals 20-1 to 20-n to read the image of the application form, and sends the image to the central reception center 23. Send it. At this time, the operator arranged at the reception terminal of the central reception center 23 visually checks the image, and when it is confirmed, stores the image in the database and proceeds to the next flow.

Step S105
The contract applicant causes the scanner provided in the unattended contract terminals 20-1 to 20-n to read a certificate such as a driver's license according to the instructions on the display and transmit the certificate to the reception terminal. The operator visually checks the image of the certificate, and when it is confirmed that the user is the person himself / herself, stores the image of the certificate in the database 25 and proceeds to the next flow.

Step S106
At this time, a front face image of the contract applicant is acquired, and a reception table is printed from the unattended contract terminals 20-1 to 20-n. Here, the transaction contract procedure is temporarily terminated. Thereafter, the central reception center 23 examines whether or not the contract is acceptable.

Step S107
When the contract applicant enters the booth where the unmanned contract terminal is arranged again at a later date and notifies the reception terminal of the reception number shown in the reception table, the contract procedure is resumed. First, the contract applicant confirms the examination result of the other day, and proceeds to the next flow if the examination result passes.

Step S108
The contract applicant fills in the contract according to the instructions on the display. The contract is read by a scanner provided in the unattended contract terminals 20-1 to 20-n and transmitted to the reception terminal. The operator visually checks the image of the contract, and when it is confirmed that the business has been completed, the operator stores the image of the contract in the database 25 and proceeds to the next flow.
Step S109
The contract applicant receives the medium (card, passbook, etc.) corresponding to the transaction from the unattended contract terminals 20-1 to 20-n, and the transaction contract is completed.

  In the contract method using the conventional unattended contract system, the front face image of the contract applicant is acquired only after the process proceeds to step S106, and the reception table is given. That is, the contract applicant and the content to be contracted are specified for the first time in S106, and the contract applicant has not been specified in the previous steps.

As a result, if the contract applicant leaves the booth, for example, forgetting the certificate or urgently before reaching S106, the processing of the contract procedure that has been performed becomes invalid, and the contract applicant returns to the booth again. In this case, the contract procedure has to be redone from S101.
JP2000-148838

  If the applicant wishes to leave the booth in the middle of the procedure, for example, forgets the certificate or urgently, the processing of the contract procedure that has progressed so far becomes invalid and the contract applicant returns to the booth again. From this point, the contract procedure must be redone.

  The unattended contract terminal is a menu selection / customer image acquisition means for acquiring a customer image and transmitting it to the central reception center when the customer selects a transaction menu, and a menu selection of the transaction from the central reception center and the customer image. Receiving a receipt number for approving the receipt of the receipt number, and providing a receipt number granting unit for granting the receipt number to the customer. A database server that stores the review process up to the time of replying, and after the procedure is interrupted before notifying the customer of the review results, the procedure starts again when the receipt number is received from the unattended contract terminal. And a procedure resumption means for searching the database server based on the receipt number and resuming the procedure from the suspended procedure. And it features.

  As described above, the unmanned contract terminal is provided with the menu selection / customer image acquisition means and the reception number assigning means, and the central reception center is provided with the procedure resumption means so that the front face image of the customer himself is the first stage of the procedure. Since the receipt number is given to the person, it becomes easy to identify the person, so that the customer can resume the procedure regardless of the length of the interruption time. . As a result, a highly convenient unmanned contract system can be obtained.

  Configure menu selection / customer image acquisition means as computer control means for unattended contract terminals, and configure receipt number assignment means and procedure resumption means as computer control means for reception terminals to minimize cost increase It was possible to realize.

FIG. 1 is a flowchart (part 1) of the unmanned contract method according to the present invention.
Before describing the unattended contract method according to the present invention with reference to FIG. 1, the configuration of a system in which the unattended contract method according to the present invention is executed will be described.

FIG. 2 is a configuration diagram of the unmanned contract system according to the present invention.
As shown in FIG. 2, the unmanned contract system according to the present invention includes unmanned contract terminals 1-1 to 1-n, a network 2, and a central reception center 3.
Further, the central reception center 3 includes reception terminals 4-1 to 4-m, a database server 5, and a distribution server 6.

  Unattended contract terminals 1-1 to 1-n are arranged in a booth of a financial institution or the like, and a menu of contracts directly desired by the customer who wishes to conclude a contract with the financial institution. Is a terminal device that makes it possible to input a contract request content related to the menu and a proof item for identifying itself and transmit it to the central reception center 3. It is also a terminal device that can receive a reception number from the central reception center 3 and give it to a customer, or receive a result of examination of the desired contract contents from the central reception center 3 and notify the customer.

In order to fulfill this role, the following means and functions are provided.
(1) Menu selection / customer image acquisition means When a contract applicant entering the booth where the unmanned contract terminals 1-1 to 1-n are located is located in front of the display, the menu of the transaction contract is displayed on the display. When the customer selects a menu in response to this request, the customer's front face image is acquired (photographed) by the camera for shooting, and the menu selection result and the customer's front face image are obtained. Is transmitted to the central reception center 3.

(2) Procedure / Product Description Function This is a guidance function that informs customers by displaying on the display the contents of transaction contracts and documents required for contract procedures.
(3) Reception number assigning means (1) Print out the reception number transmitted from the central reception center 3 that has received the menu selection result transmitted by the menu selection / customer image acquisition means and the image data of the front face image of the customer. It is a means to give out to customers.

(4) Application means When the customer continues the contract procedure, the customer requests to fill in the application form, converts the completed application form into image data, and sends the image data to the central reception center 3. .
(5) Identity confirmation requesting means Requesting the customer to submit a certificate that can confirm the identity, such as an identification card or license, converts the certificate into image data, and sends the image data to the central reception center 3 It is a means to transmit.

(6) Examination waiting display function This function notifies the customer that the central reception center 3 is in the process of examining the customer's desired contract contents.
(7) Contract means A means for requesting the customer to fill in a contract, converting the filled contents into image data, and transmitting the image data to the central reception center 3.
(8) Medium (card / passbook etc.) issuing means A means for printing and issuing a medium (card / passbook etc.) in accordance with an instruction from the central reception center 3.

  The network 2 is a line connecting the unmanned contract terminals 1-1 to 1-n and the central reception center 3. Usually, a public line such as ISDN is used, but a dedicated line provided exclusively for this system may be used.

  The central reception center 3 receives the request items from the reception terminals 4-1 to 4-m, the database server 5 for storing image data, and the unmanned contract terminals 1-1 to 1-n. And a distribution server 6 for distributing to .about.4-m, accepts and examines the application for the transaction contract from the unmanned contract terminals 1-1 to 1-n via the network 2, and receives the result as the reception terminal 4-1. It is a part that performs the central function of the unattended contract system that replies from ~ 4-n.

  Further, after the receipt number is transmitted to the unmanned contract terminals 1-1 to 1-n, whether or not a business contract with the customer is confirmed is examined, and the result is confirmed via the unmanned contract terminals 1-1 to 1-n. Is stored in the database server 5, the temporary procedure transaction is interrupted in the middle of the process until the customer accepts the result of examination of whether or not the transaction contract is accepted, and when the procedure is started again, the above reception number and the front face of the customer The database server 5 is searched based on the image, and the procedure can be resumed from the procedure after the interruption.

In order to fulfill such a role, the reception terminals 4-1 to 4-m have the following means and functions.
(9) Acceptance confirmation means This means displays an image on the display when the menu selected by the customer who wishes to trade and the image data of the front face image of the customer are received from the unmanned contract terminals 1-1 to 1-n. . This image is checked by the operator and is stored in the database server 5 when it is determined that the front face image is sufficiently recognizable. At this time, the reception number is automatically assigned and stored in the database server 5 and transmitted to the unattended contract terminals 1-1 to 1-n.

(10) Application confirmation means This means that when there is a contract application ((4) application means) from the unmanned contract terminals 1-1 to 1-n, the image data of the application form is received and displayed on the display. indicate. This display is a means for the operator to check visually for deficiencies in the entry.

(11) Identity confirmation means This means that when there is an identity confirmation request ((5) identity confirmation request means) from the unmanned contract terminals 1-1 to 1-n, the image data of an identification card or a license is obtained. Receive and display on display. This is a means for checking whether or not the user is the person by visually checking the display and comparing it with the application form.

(12) Examination waiting display function This function notifies the operator that the central reception center 3 is in the process of examining the customer's desired contract contents.
(13) Contract Confirmation Means When this means receives contract image data from the unattended contract terminals 1-1 to 1-n ((7) contract means), it displays the contract image on the display. This display is a means for the operator to visually check the contract contents and the like.

(14) Examination Result Response Function The receiving terminals 4-1 to 4-m have a function of displaying the examination result on the display and notifying the operator.
(15) Medium issuance instruction means (14) When the examination is passed by the examination result response function, the operator prints and issues the medium (card, passbook, etc.) to the unattended contract terminals 1-1 to 1-n. It is a means for instructing that it is okay.
(16) Various information registration / extraction means Means for storing the image data received from the unmanned contract terminals 1-1 to 1-n into the database server 5 or reading out the image data necessary for various confirmations from the database server 5. It is.
(17) Procedure resumption means When a customer who has been interrupted in the course of an application or a contract enters a receipt number into the unattended contract terminal 1-1 to 1-n and requests to resume the procedure, the reception terminal 4-1 It is a means for identifying a customer who wants to resume the procedure on the 4-m side, recognizing the processing stage (step) of the procedure that has progressed halfway from the database server 5 and restarting the processing from the step following the processed procedure. .

  Now that the description of the system configuration in which the unattended contract method according to the present invention is executed has been completed, returning to FIG. 1, the operation of the unattended contract system according to the present invention will be described according to the steps in the figure.

Step S1
When a customer who wants a business contract enters a booth or the like where only unmanned contract terminals 1-1 to 1-n are located and is located in front of a display, such as an unmanned sales office of a financial institution The unattended contract terminals 1-1 to 1-n display a transaction contract menu on the display and request selection of the menu. When the customer selects a menu according to this request, the contract procedure is started, and the cameras provided in the unmanned contract terminals 1-1 to 1-n are activated to capture the front face image of the customer. The front face image of the customer is converted into image data and transmitted to the central reception center 3 via the network 2 together with the selection result of the menu. This means is (1) menu selection / customer image acquisition means of the unmanned contract terminals 1-1 to 1-n.

Step S2
Guidance such as procedures and contents of the transaction contract is made on the display provided in the unmanned contract terminals 1-1 to 1-n, and the customer sees this guidance and understands the contents and procedures. At the same time, documents necessary for normal contract procedures are also displayed. This function is the (2) procedure / product explanation function of the unattended contract terminals 1-1 to 1-n.

Step S3
The unmanned contract terminals 1-1 to 1-n are configured such that the central reception center 3 that has received the menu selection result transmitted by the menu selection / customer image acquisition means and the image data of the front face image of the customer is the unmanned contract terminal 1 Print out the receipt number sent back to -1-1-n and give it to the customer. This means is the (3) receipt number assigning means of the unmanned contract terminals 1-1 to 1-n. The means for the central reception center 3 to return the reception number to the unattended contract terminals 1-1 to 1-n is (9) reception confirmation means for the reception terminals 4-1 to 4-m.
It should be noted that the customer can be identified from this point.

Step S4
The customer fills in the application form according to the instructions on the display, causes the scanner provided in the unattended contract terminals 1-1 to 1-n to read the image of the application form, and transmits the image to the central reception center 3. . This means is (4) application means of the unmanned contract terminals 1-1 to 1-n.
At this time, the operators arranged in the reception terminals 4-1 to 4-m of the central reception center 3 visually check the images, and when they are confirmed, store the images in the database server 5 and proceed to the next flow. . This means is (10) application confirmation means of the reception terminals 4-1 to 4-m.

Step S5
In accordance with the instructions on the display, the customer causes a scanner provided in the unattended contract terminals 1-1 to 1-n to read a certificate such as a driver's license to be transmitted to the reception terminals 4-1 to 4-m. This means is (5) identity confirmation request means of the unmanned contract terminals 1-1 to 1-n.
At this time, the operator visually checks the image of the certificate, and when it is confirmed that the user is the person himself / herself, stores the image of the certificate in the database server 5 and proceeds to the next flow. This means is (11) identity confirmation means of the receiving terminals 4-1 to 4-m.

Step S6
In a continuous examination system, an awaiting examination is displayed on the display. The central reception center 3 displays a message indicating that the customer wants the contract to be informed and informs the customer, and the central reception center 3 determines whether the transaction contract is acceptable. This function is the (6) examination waiting display function of the unattended contract terminals 1-1 to 1-n. This examination usually requires several tens of minutes, and if it is long, about one hour is required. It is also possible to make an examination reservation in advance for this time. The indication that the central reception center 3 is under examination is also displayed on the display of the reception terminals 4-1 to 4-m. This function is the (12) examination waiting display function of the reception terminals 4-1 to 4-m.

Step S7
The customer fills in the contract according to the instructions on the display, reads the entered content into the scanner provided in the unattended contract terminals 1-1 to 1-n, converts it into image data, and receives the terminal 4- Send to 1-4m. This means is (7) contract means of the unmanned contract terminals 1-1 to 1-n. The operator visually checks the image of the contract document, and when the operator can confirm the provision of the business, the operator stores the image of the contract document in the database. This means is (13) contract confirmation means of the reception terminals 4-1 to 4-m.

Step S8
The unattended contract terminals 1-1 to 1-n print out and issue media (cards, passbooks, etc.) according to instructions from the central reception center 3.
The customer receives the medium (card, passbook, etc.) corresponding to the transaction from the unattended contract terminals 1-1 to 1-n, and the transaction is completed. This means is (8) medium (card / passbook etc.) issuing means of the unattended contract terminals 1-1 to 1-n.
Means for instructing unattended contract terminals 1-1 to 1-n to issue media (cards, passbooks, etc.) is the (15) medium issue instruction means of receiving terminals 4-1 to 4-m.

The flow described above is a flow from when the customer selects the menu of the transaction contract to receiving the examination result without interruption of the procedure.
The following points should be noted in the above description.
(1) The customer is given a front face image by (1) menu selection / customer image acquisition means in step S1, and (3) an acceptance table is given from the receipt number assignment means in step S3. As a result, the customer can be specified.
(2) In all steps from step S4 to step S7, the procedure for each step is checked by the operator arranged in the reception terminals 4-1 to 4-m, and the result is stored in the database server 5. Yes.
(3) In all the steps from step S4 to step S7, there is a possibility that the process is interrupted by the customer leaving. Therefore, as for the data at these steps, only the data that has been processed is stored for each step, and the data at the step that was interrupted during the processing is discarded.

Next, a flow will be described in the case where the customer suspends the procedure due to reasons such as forgetting the certificate or emergency, and then restarts the procedure in the middle of the procedure (between steps S4 to S7).
FIG. 3 is a flowchart (part 2) of the unmanned contract method according to the present invention.

Step S1
When the customer whose procedure has been interrupted enters the booth again and is located in front of the display, the unattended contract terminals 1-1 to 1-n display a menu of transaction contracts on the display and request selection of the menu. When the customer selects the menu according to this request, the contract procedure is resumed, and the cameras provided in the unmanned contract terminals 1-1 to 1-n are activated to take a front face image of the customer. The front face image of the customer is converted into image data and transmitted to the central reception center 3 via the network 2 together with the selection result of the menu.

Step S11
When the customer inputs that the unmanned contract terminals 1-1 to 1-n have already been accepted, a display prompting the input of the receipt number is displayed on the display.
Step S12
The customer inputs the receipt number to the unattended contract terminals 1-1 to 1-n. This reception number is transmitted from the unmanned contract terminals 1-1 to 1-n to the reception terminals 4-1 to 4-n. The receipt number key of the database server 5 is released by this receipt number. If the front face image acquired last time and the front face image acquired this time are compared with each other by the operator and determined to be the person, the reception terminals 4-1 to 4-n search the database server 5 and complete the procedure that was completed last time. Returning to FIG. 1 from the procedure following (the step where the processing is completed), the processing of the unprocessed procedure is advanced. This means is (17) procedure resumption means.

In the above description, each means and function has been described as separate components, but the present invention is not limited to this example.
That is, each means and function may be included as part of one program, or each means and function may be configured as a computer-readable recording medium.

It is a flowchart (the 1) of the unmanned contract method by this invention. It is a block diagram of the unmanned contract system by this invention. It is a flowchart (the 2) of the unmanned contract method by this invention. It is a flowchart of the conventional unattended contract method.

Explanation of symbols

1-1 to 1-n Unattended Contract Terminal 3 Centralized Reception Center 5 Database Server S1 Menu Selection S2 Procedure / Product Description S3 Reception S4 Application Fill & Send S5 Identity Verification S6 Review / Procedure S7 Contract Fill & Send S8 Media Issue
(1) Menu selection / image acquisition means
(3) Receipt number assignment means

Claims (4)

An unmanned contract terminal that allows a customer to apply for a transaction contract, and the unattended contract terminal until receiving a transaction contract applicability review result when receiving the transaction contract application from the unattended contract terminal An unattended contract system including a centralized reception center that advances the examination of whether or not the transaction contract is possible,
The unmanned contract terminal is
When the customer selects a transaction menu, a menu selection / customer image acquisition unit that acquires the customer image and transmits it to the central reception center, and receives the transaction menu selection and the customer image from the central reception center Receiving a receipt number that approves the receipt, and a receipt number giving means for giving the receipt number to the customer,
The central reception center is
When the receipt number is transmitted, a database server that stores the examination progress until it returns the examination result of whether or not the transaction contract is acceptable;
After the procedure is interrupted before notifying the customer of the result, when the receipt number is received from the unattended contract terminal, the procedure is started again and the database server is searched based on at least the receipt number. An unattended contract system comprising: procedure resumption means for resuming a procedure from the procedure described above. In the unmanned contract system according to claim 1,
The menu selection / customer image acquisition means includes:
A programmed computer-readable recording medium having recorded thereon a program for acquiring an image of the customer and transmitting it to the central reception center when the customer selects a transaction menu. An unattended contract system characterized by being. In the unmanned contract system according to claim 1,
The receipt number giving means
A recording medium readable by a programmed computer, receiving a reception number for approving receipt of a menu selection of a transaction and an image of the customer from the central reception center, and receiving the reception number to the customer An unattended contract system, characterized in that it is a computer-readable recording medium on which a program to be given is recorded. In the unmanned contract system according to claim 1,
Procedure resumption means
A recording medium readable by a programmed computer, wherein the procedure starts again when the receipt number is received from the unattended contract terminal after the procedure is interrupted before notifying the customer of the result, and at least the acceptance An unattended contract system, comprising: a computer-readable recording medium on which a program for searching the database server based on a number and resuming a procedure from the suspended procedure is recorded.

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