JP2007052686A - Customer terminal apparatus, automated transaction system and optical reading/automatic sorting apparatus - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a customer terminal apparatus, an automated transaction system and an optical reading/automatic sorting apparatus that facilitate the sort of collected application forms. <P>SOLUTION: The customer terminal apparatus captures image data of an application form through an image reading part 21, sends the image data to a host apparatus, receives information on contract eligibility from the host apparatus, and if the information indicates that a contract can be concluded, collects the application form and a contract printed with contract terms by a printing mechanism 44 into a collection box 41 and issues a copy of the contract printed with the same terms as the contract to the customer, or if a contract cannot be concluded, collects the application form into the collection box 41. The printing mechanism 44 is arranged in a feed passage 42 connecting the image reading part 21 and the collection box 41. According to the information on contract eligibility received from the host apparatus, the printing mechanism 44 prints the application form with an indication of contract eligibility, such as "Concluded" or "Not Concluded". <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a customer terminal device and an unmanned transaction system in which a customer operates a customer operation terminal to apply for a contract in a financial institution or the like, and an operator reviews and contracts at a remote center terminal device The present invention also relates to an optical reading automatic sorting apparatus that sorts application forms and contracts used in the contract.

  2. Description of the Related Art Conventionally, in financial institutions and the like, apparatuses that automatically execute cash deposits and withdrawals and other processes by customer operations are widely used. When a customer uses a predetermined financial product such as a cash card, it is necessary to complete and submit a contract application form. Conventionally, such procedures are processed directly by the guidance staff at the financial institution's window, but in recent years, documents such as application forms entered by customers are read with an image scanner, and the acquired image data is managed by the head office. An unmanned transaction system that sends to the center to apply for a contract has appeared.

  In this unattended transaction system, the customer terminal device operated by the customer is equipped with an image reading unit equipped with an image scanner, the image reading unit acquires the image data of the application form, and the image data sent to the management center is sent to the operator The information is displayed on the center terminal operated by the customer, and the contents are confirmed. If there is no error in the items entered by the customer, the contents are stored in a file together with image data such as an identification card, and a contract is issued on the customer terminal side. The application form and the contract signed by the customer are taken into the customer terminal device, and a copy is given to the customer. As described above, it is possible to apply only by customers and reduce the burden on financial institutions.

Furthermore, when collecting application forms and contracts that are taken into the customer terminal device by staff of financial institutions, etc., it is necessary to perform collation work between the application form and the contract document. In some cases, the same number is printed on the contract to facilitate the collation work (for example, Patent Document 1).
JP 2001-175922 A (paragraph “0055” to paragraph “0078”, FIG. 13)

  However, in the above-mentioned conventional technology, when the application form and contract received by the financial institution staff etc. are collected in the customer terminal device, it is necessary to collate the application with the contract. When the contract made by the user is established, the application form and the contract form for the contract are always captured in the customer terminal device. However, when the contract is not established, the contract form is accepted even if the application form is captured in the customer terminal apparatus. Is not issued and is not taken into the customer terminal. In this way, when an application with an incomplete contract is taken in, a staff member who collects the application form and the contract investigates whether the contract does not exist because the contract is not established or has been lost and does not exist. Work becomes necessary.

Therefore, when a staff member of a financial institution collects application forms and contracts captured in the customer terminal device, it must first classify the application forms that have been established and those that have not been established, The work needs to be judged from the number printed on the application form, the name of the user, etc., and there is a problem that a great deal of labor and time is required.
An object of the present invention is to solve such a problem.

  Therefore, the present invention acquires the image data of the application form by the image reading unit, transmits the image data to the host device and receives information on the success / failure of the contract from the host device, The application form and the contract printed with the printing mechanism are taken into the collection box, and a copy of the contract printed with the same contents as the contract is issued to the customer. When the contract is not established, the application is collected. In the customer terminal device to be captured in the box, the printing mechanism is provided in a conveyance path connecting the image reading unit and the collection box, and the success or failure of the application is confirmed by the printing mechanism according to the information on the success or failure of the contract received from the host device. It is characterized in that the printing shown is performed.

  The present invention as described above allows a financial institution staff or the like to judge at a glance whether "contract is established" or "contract not established" printed on the application form when sorting applications. Thus, the effect that the sorting work can be easily performed is obtained.

  Embodiments of an unmanned transaction system and an automatic document sorting apparatus according to the present invention will be described below with reference to the drawings.

FIG. 1 is an explanatory diagram of a customer terminal device according to the first embodiment, and FIG. 1 shows a main configuration of the customer terminal device constituting the unmanned transaction system. FIG. 2 is a block diagram showing the configuration of the unmanned transaction system according to the first embodiment. First, the overall configuration of the unmanned transaction system will be described with reference to FIG.
In FIG. 2, reference numeral 1 denotes a customer terminal device that is operated by the customer 2. The customer terminal device 1 is connected to a center terminal device, which will be described later, via a communication network 3 so as to be able to communicate with each other.

Reference numeral 4 denotes a center terminal device which is operated by the operator 5. The center terminal device 4 is connected to a plurality of customer terminal devices 1 through a communication network 3 so as to be able to communicate with each other. Among these customer terminal devices 1, the customer terminal device 1 that is executing a transaction and the center terminal Data is exchanged with the device 4.
The operator 5 can operate the center terminal device 4 to send guidance to the customer terminal device 1 that is executing a transaction via the communication network 3. To output guidance. Then, the customer 2 who operates the customer terminal device 1 fills in a document such as an application form, or sets a document that has been completed or brought to a predetermined position while receiving appropriate guidance from an operator 5 who operates the center terminal device 4. I do.

FIG. 3 is a perspective view showing the appearance of the customer terminal device in the first embodiment.
Reference numeral 11 denotes a main body cabinet, which is a housing of the customer terminal device 1.
A speaker 12 outputs a series of operation guidance and voices such as guidance from an operator to a customer.
A person camera 13 is a camera for photographing a customer sitting in front of the customer terminal device 1. The video imaged by the person camera 13 is sent to the center terminal device 4.

Reference numeral 14 denotes a proximity sensor, which detects the approach of a customer in order to automatically start a transaction work.
Reference numeral 15 denotes a hand camera, which is a camera for photographing a hand when a customer signs a document such as an application form or performs a transaction work. The video imaged by the hand camera 15 is sent to the center terminal 4.

These speaker 12, person camera 13, proximity sensor 14 and hand camera 15 are provided side by side on the front upper part of the main body cabinet 11 of the customer terminal device 1.
Reference numeral 16 denotes a display unit, which is a display for displaying guidance for customers and the like.
Reference numeral 17 denotes a touch panel unit. When a virtual key displayed on the display unit 16 is pressed, the pressure is detected and predetermined processing is executed.

Reference numeral 18 denotes a handset for a customer to call an operator.
Reference numeral 19 denotes a microphone for receiving an input of a customer's voice and sending it to the center terminal device 4.
A document entry table 20 has a horizontal surface and is used when a customer fills in an application form or signs a contract.

An image reading unit 21 reads an application form and an identification card to obtain image data. The acquired image data is sent to the center terminal 4.
The document entry table 20 is provided with an openable / closable lid 201, and the image reading unit 21 is provided under the lid 201.
Reference numeral 22 denotes a card issuing slot for issuing a card to a customer when a contract is established.

  Reference numeral 23 denotes a document loading / unloading port that accepts application forms and contracts, and receives and discharges copies of contracts and contracts. The document loading / unloading port 23 is located in the back of the lid 201, and the application form or contract set in the document loading / unloading port 23 is conveyed to the image reading unit 21 by a conveyance path (not shown), and the image reading unit The image data can be acquired by being set at a predetermined position 21, and an application form or contract for which image data acquisition has been completed by the image reading unit 21 is also sent from the image reading unit 21 here. Then, it is conveyed to the collection box by a conveyance path (not shown).

Here, a contract before printing is drawn out from a storage box (not shown), sent to a conveyance path connecting the image reading unit 21 and the collection box, and printed by a printing mechanism provided in the conveyance path. The material is discharged from the loading / unloading port 23. Details of the document processing mechanism will be described later.
In the center of the front surface of the main body cabinet 11, the display unit 16, the touch panel unit 17, the handset 18, the microphone 19, the document entry table 20, the image reading unit 21, the card issuing port 22, and the document loading / unloading port 23 are provided. Yes.

FIG. 4 is a block diagram showing the configuration of the customer terminal device in the first embodiment.
Reference numeral 221 denotes a card issuing unit for issuing necessary items by, for example, magnetic recording on a card. The card processed by the card issuing unit 221 is issued from the card issuing port 22.
Reference numeral 231 denotes a document take-in mechanism, which takes in an application form or a contract set in the document insertion / extraction port 23, conveys it to the image reading unit 21 and sets it at a predetermined position, or places an application in the image reading unit 21. Documents and contracts are transported to the collection box. Further, the contract before printing is fed out from the storage box and conveyed to the document loading / unloading port 23.

Reference numeral 232 denotes a printer unit which prints a copy of a contract conveyed by the document take-in mechanism 231 or a signed contract.
Reference numeral 25 denotes a multimedia communication control unit that controls transmission of video images of customers, customer voices, and the like to the center terminal device 4. The person camera 13, hand camera 15, microphone 19, and handset 18 are connected. Yes.

  Reference numeral 28 denotes a control unit which controls the entire operation of the customer terminal device 1 and includes a storage unit 29 therein. The control unit 28 is connected to the speaker 12, the proximity sensor 14, the display unit 16, the touch panel unit 17, the image reading unit 21, the card issuing unit 221, the document take-in mechanism 231, and the printer unit 232. The multimedia communication control unit 25 is also connected. Further, the control unit 28 is connected to a LAN (Local Area Network) or the communication network 3. The image data acquired by the image reading unit 21 is stored in the storage unit 29.

FIG. 5 is an external view of the center terminal device in the first embodiment.
The center terminal device 4 operated by an operator is provided with a control unit 38 including a display 31, a keyboard 32, a mouse 33, and the like, a camera 34, a headset 35, a multimedia communication device 36, and a printer 37.
The camera 34 photographs the operator's face in order to display the operator's face on the display unit 16 of the customer terminal device 1.

The headset 35 listens to the customer's voice with the receiver 352 and inputs the operator's voice with the microphone 351.
The multimedia communication device 36 is a device for transmitting and receiving audio and images.
The printer 37 prints and outputs matters required by the operator.
FIG. 6 is a block diagram showing the configuration of the center terminal apparatus in the first embodiment.

  The control unit 38 controls the entire operation of the center terminal device 4, and a storage unit 39 is provided inside. The storage unit 39 stores data such as an image of a standard form document. The control unit 38 controls the display 31, the keyboard 32, the mouse 33, the camera 34, and the multimedia communication device 36 and the printer 37 to which the headset 35 is connected.

The control unit 38 is connected to the LAN, and is connected to a control unit of a customer terminal device connected to the same LAN or a control unit of a customer terminal device connected via another communication network 3.
Next, details of the first embodiment of the present invention will be described with reference to FIG.
A collection box 41 collects and stores an application form and the like.
Reference numeral 42 denotes a first conveyance path, which connects the collection box 41 and the image reading unit 21.

Reference numeral 43 denotes a second transport path that connects the document loading / unloading port 23 and the first transport path 42.
A print mechanism 44 is a print head or the like provided in the first conveyance path 42.
Reference numerals 451 and 452 denote storage boxes. The storage box 451 stores a sheet serving as a contract, and the storage box 452 stores a sheet serving as a copy of the contract.

Reference numeral 46 denotes a first branching section that switches the transport direction of an application form or the like at the junction of the first transport path 42 and the second transport path 43.
Reference numeral 47 denotes a second branching section that switches the transport direction of the application form or the like at the junction of the transport path to the collection box 41 and the transport path from the storage box 451 or the storage box 452 in the first transport path 42. is there.

Although not shown, the document fetching mechanism 231 includes a transport roller that feeds and transports an application form, a motor for driving the transport roller, a sensor for detecting the position of the application form, and the like. It is provided in the transport path 42 and the second transport path 43.
The printing mechanism 44 includes a print head, a platen, and the like, constitutes a printer unit 232 controlled by the control unit 28, and a contract document sent to the first conveyance path 42 from the storage box 451 or the storage box 452. Or, print on a sheet of paper before printing, which is a copy of the contract, and create a contract or a copy of the contract. In addition, characters, barcodes, and the like are printed or printed (hereinafter referred to as “printing”) on the application form and contract sent from the image reading unit 21 to the first conveyance path 42.

The first branching unit 46 switches the transfer direction of the application form or contract in the image reading unit 21 from the document loading / unloading port 23 direction to the collection box 41 direction by a blade (not shown) and a driving mechanism of the blade. .
Further, in the first branching section 46, the contract or the copy of the contract sent to the first transport path 42 from the storage box 451 or the storage box 452, the transport direction of the application form printed by the printing mechanism 44, Switch to the direction of the document loading / unloading port 23. Furthermore, the transfer direction of the application form, the contract form, and the copy of the contract form at the document input / output port 23 is switched to the image reading unit 21 direction or the collection box 41 direction according to the progress of the transaction.

  The second branching unit 47 switches the conveying direction of the application form or contract conveyed from the image reading unit 21 to the collection box 41 direction by a blade (not shown) and a driving mechanism of the blade. Further, the second branching section 47 switches the conveyance direction so that the storage box 451 or the contract drawn out from the storage box 452 or a copy of the contract can be sent to the first conveyance path 42.

  The image reading unit 21 includes a reading surface having a size capable of simultaneously placing an application form and an identification card such as a license. A lid 201 that can be opened and closed is provided on the portion of the image reading unit 21 on which the identification card is placed, and can be accessed by the customer. On the other hand, the upper part of the part where the application form of the image reading unit 21 is placed is not opened and closed, and a partition 48 is provided between the part where the identification card of the image reading part 21 is placed and the part where the application form is placed. Thus, the customer cannot access the part on which the application form of the image reading unit 21 is placed.

It should be noted that the application form is set in the document insertion / extraction port 23 with its entry side facing upward, and the customer has to turn the application form over at the stage of setting the document application / extraction port 23. I try to leave out.
In addition, the identification card is subject to a license or a health insurance card, and its size and thickness are not uniform. Therefore, the customer directly sets the identification card on the reading surface of the image reading unit 21. In order to allow the customer to set the ID card directly on the reading surface of the image reading unit 21, the part on which the ID card of the image reading unit 21 is placed is located below the document entry table 20 shown in FIG. In addition, there is a document loading / unloading port 23 at the back of the lid 201 of the document entry table 20, and in order to arrange the application form and the identification card on the reading surface of the image reading unit 21, the second conveyance path 43 has a U It has a letter shape.

Next, the effect | action of the structure mentioned above is demonstrated.
The following operation will be described by taking as an example a case where a customer exchanges a contract with a financial institution by operating a customer terminal device and issues a cash card. FIGS. 7 and 8 are flowcharts showing the contract processing in the first embodiment. FIG. 7 shows the process until the application form entered by the customer and the image data of the identification card brought by the customer are obtained and these documents are returned. FIG. 8 shows the subsequent operation, that is, the processing after the contract issuance.

FIG. 9 is an explanatory diagram showing the flow of documents according to the first embodiment, and arrows A to I indicate the transport path of documents such as application forms in the customer terminal apparatus described in FIG.
Hereinafter, the operation will be described in accordance with steps represented by SA in FIGS. The operation of each unit described below is controlled by a control unit (not shown) based on a program (software) stored in a storage unit (not shown).

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

SA1: Customer 2 creates an application form according to the guidance. That is, the customer 2 fills in the necessary items on the application form. The customer 2 may bring a pre-filled application form.
SA2: The customer 2 sets it in the document insertion / extraction port 23 with the entry surface of the completed application form facing up.
SA3: When the application form is set in the document loading / unloading port 23, it is sucked by the document fetching mechanism 231 and sent to the image reading unit 21 as shown by an arrow A in FIG. That is, in the first branching unit 46, the control unit 28 switches the conveyance direction of the application form from the document loading / unloading port 23 to the image reading unit 21, rotates a conveyance roller (not shown), and sets the document loading / unloading port. The application set at 23 is sent to the image reading unit 21 through the second conveyance path 43 and the first conveyance path 42.

When it is determined that the application form has been transported to a predetermined position of the image reading unit 21, the control unit 28 provides guidance for prompting the customer to open the lid 201 and set the identification card brought with the display unit 16 or the speaker 12. Use to output.
SA4: Upon receiving this guidance, the customer 2 opens the lid 201 and sets the identification card in the image reading unit 21.

  Here, since a partition 48 is provided between the part where the application form of the image reading unit 21 is placed and the part where the identification card is placed, the lid 201 is opened when setting the identification card in the image reading unit 21. However, the application form already inhaled and set in the image reading unit 21 cannot be accessed. When the customer 2 sets the identification card in the image reading unit 21, the customer 2 closes the lid 201.

  SA5: When the control unit 28 detects that the lid 201 is closed from the output of a sensor (not shown), the control unit 28 controls the image reading unit 21 to execute a reading operation. At this time, the image data is obtained by reading both the application form and the identification card at a time. Then, the acquired image data is transmitted to the center terminal device 4, and the control unit 38 of the center terminal device 4 stores the received application form and image data of the identification card in the storage unit 39.

On the other hand, on the center terminal device 4 side, the sent application form and the image data of the identification card are displayed on the display 31 and confirmed by the operator.
SA6, SA7: The operator 5 looks at the image of the application form and the image of the identification card displayed on the display 31 and confirms the contents of the application form filled in by the customer 2 (SA6), and the position of the identification card And confirm the contents (SA7).

If there is a deficiency in the contents of the application form as determined in SA6, the operator 5 operates the keyboard 32 and mouse 33 to return the application form to the customer terminal device 1 and apply from the display unit 16. An instruction is issued to output guidance for correcting the book, and the operator 5 himself / herself inputs voice guidance from the headset 35 to the customer 2.
SA8: When the control unit 28 of the customer terminal device 1 receives the application form return instruction from the center terminal device 4, the first branching unit 46 sets the transport direction of the application form from the image reading unit 21 to the document input / extraction. The direction is changed to the direction of the mouth 23, and as shown by an arrow B in FIG. 9, the application form in the image reading unit 21 is conveyed by the document take-in mechanism 231 to the document input / outlet port 23 and discharged. Then, guidance is output from the display unit 16, and voice guidance that the operator 5 himself inputs to the customer 2 from the headset 35 of the center terminal device 4 is output from the speaker 12.

  The customer 2 receives the application form discharged from the document insertion / extraction port 23, corrects the application form according to the video guidance from the display unit 16 and the voice guidance from the speaker 12, and the corrected application form is It is set in the document insertion / extraction port 23 with the entry side facing up (SA2). When the corrected application form is set in the document loading / unloading port 23, as shown by an arrow A in FIG. 9, it is inhaled by the document fetching mechanism 231 (SA3) and sent to the image reading unit 21, A reading operation is executed by the image reading unit 21 (SA5). At this time, the image data is obtained by reading both the application form and the identification card already set. Then, the acquired image data is transmitted to the center terminal device 4, and the control unit 38 of the center terminal device 4 overwrites and stores the received application form and image data of the identification card in the storage unit 39.

If the position of the identification card is incomplete in the determination of SA7, the operator 5 operates the keyboard 32 or the mouse 33 to correct the position of the identification card from the display unit 16 to the customer terminal device 1. An instruction is issued to output the guidance, and the operator 5 himself / herself inputs voice guidance to the customer 2 from the headset 35.
When the control unit 28 of the customer terminal device 1 receives the instruction to correct the position of the identification card from the center terminal device 4, the control unit 28 outputs guidance for opening the lid 201 and resetting the identification card from the display unit 16, Voice guidance that the operator 5 himself has input to the customer 2 from the headset 35 of the center terminal device 4 is output from the speaker 12.

  In response to this guidance, the customer 2 opens the lid 201, resets the identification card, and closes the lid 201 again (SA4). When detecting that the lid 201 is closed from the output of a sensor (not shown), the control unit 28 controls the image reading unit 21 to execute a reading operation (SA5). At this time, both the application form already taken in and the reset identification card are read at a time to obtain image data. Then, the acquired image data is transmitted to the center terminal device 4, and the control unit 38 of the center terminal device 4 overwrites and stores the received application form and image data of the identification card in the storage unit 39.

SA9: If there is no defect in the contents of the application form and there is no defect in the position of the identification card, the contents of the contract will be examined.
SA10: If the examination passes, the operator 5 operates the keyboard 32 and the mouse 33 to instruct the customer terminal device 1 to issue the contract in order to shift to the contract issuance procedure. When the control unit 28 of the customer terminal device 1 receives a contract issuance instruction from the center terminal device 4, the application form in the image reading unit 21 is sent by the document fetching mechanism 231 as indicated by an arrow C in FIG. 9. The paper is transported to the printing mechanism 44, and the printer unit 232 is controlled, and the printing mechanism 44 performs printing indicating “contract establishment” 72 on the application form 71 as shown in FIG. In addition, the printing indicating the “contract establishment” 72 is not limited to characters, and printing may be performed using codes such as numerals, symbols, encryption, illustrations, abbreviations, codes, or barcodes. .

SA11: Further, the printing mechanism 44 performs numbering to print the number 73 on the application form 71 as shown in FIG. This number is automatically incremented before the next transaction.
SA12: When numbering is performed to print the number on the application form, the application form is transported to the collection box 41 by the document take-in mechanism 231 and collected. That is, in the first branching section 46, the transport direction of the application form from the image reading section 21 is switched to the collection box 41 direction, and the application form in the image reading section 21 is transported through the first transport path 42 and collected. Collect in box 41.

  SA13: In order to return the identification card, guidance is output from the display unit 16 and the speaker 12, and the customer 2 is prompted to receive the identification card. Upon receiving this guidance, the customer 2 opens the lid 201 and receives an identification card. Note that a partition 48 is provided between the part where the application form of the image reading unit 21 is placed and the part where the identification card is placed, so that even if the lid 201 is opened, it is not possible to perform fraud such as replacing the application form. It is possible to return the ID card in parallel with the application collecting operation, and when the cover 201 is opened, it is allowed for the application form to remain in the image reading unit 21. Can be achieved.

  SA14: On the other hand, if it is determined that the contract is not established as a result of the examination in SA9, the operator 5 operates the keyboard 32 and the mouse 33 to instruct the customer terminal device 1 to cancel the transaction. When the control unit 28 of the customer terminal device 1 receives an instruction to cancel the transaction from the center terminal device 4, the application form in the image reading unit 21 is sent by the document take-in mechanism 231 as shown by an arrow C in FIG. 9. The paper is transported to the printing mechanism 44, and the printer unit 232 is controlled to perform printing indicating “contract not established” 74 on the application form 71 as shown in FIG. 10B. In addition, the printing indicating that the “contract is not established” 74 is not limited to characters, and printing is performed using codes such as numerals, alphabets, symbols, ciphers, illustrations or abbreviations, codes, or barcodes. Also good.

SA15: Further, the printing mechanism 44 performs numbering for printing the number 73 on the application form 71 as shown in FIG. This number is also automatically incremented before the next transaction.
SA16: When numbering is performed to print the number on the application form, the application form is transported to the collection box 41 by the document take-in mechanism 231 and collected. That is, in the first branching section 46, the transport direction of the application form from the image reading section 21 is switched to the collection box 41 direction, and the application form in the image reading section 21 is transported through the first transport path 42 and collected. Collect in box 41.

SA17: In order to return the identification card, guidance is output from the display unit 16 and the speaker 12, and the customer 2 is prompted to receive the identification card. Upon receiving this guidance, the customer 2 opens the lid 201, receives an identification card, and ends the transaction.
SA18: Next, the control unit 28 of the customer terminal device 1 in the second branching unit 47 conveys the sheet serving as the contract drawn from the storage box 451 into the first conveying path 42 in the conveyance direction. As shown by an arrow E in FIG. 9, the sheet as a contract is fed out from the storage box 451 and fed into the first transport path 42.

  Then, the printer unit 232 is controlled, and the printing mechanism 44 prints necessary items on a sheet serving as a contract transported through the first transport path 42 to create a contract. Then, in the first branching section 46, the transport direction of the contract sent from the storage box 451 to the first transport path 42 is switched to the document loading / unloading port 23 direction, as shown by the arrow F in FIG. The contract is sent from the first conveyance path 42 to the second conveyance path 43 and discharged from the document loading / unloading port 23.

Here, the printing mechanism 44 is provided on the upper side of the first conveyance path 42, and the contract is sent to the document insertion / extraction port 23 by the first branching unit 46 without going through the image reading unit 21. Can issue a contract with the print side up.
SA19: Customer 2 receives this contract and signs it.
SA20: The customer 2 sets the signed contract on the document loading / unloading port 23 with the entry side facing up (SA13).

  SA 21: When the contract is set in the document loading / unloading port 23, the document is sucked by the document fetching mechanism 231 and sent to the image reading unit 21 as indicated by an arrow A in FIG. That is, in the first branching unit 46, the control unit 28 switches the contract document transport direction from the document loading / unloading port 23 to the image reading unit 21 direction, and the contract set in the document loading / unloading port 23 is changed to the first branching unit 46. The image is read into the image reading unit 21 through the second conveyance path 43 and the first conveyance path 42.

When it is determined that the contract has been conveyed to a predetermined position of the image reading unit 21, the image reading unit 21 is controlled to perform a reading operation.
SA22: The acquired image data is transmitted to the center terminal device 4, and the control unit 38 of the center terminal device 4 stores the received image data of the contract in the storage unit 39. The acquired image data is also stored in the storage unit 29 of the customer terminal device 1.

On the center terminal device 4 side, the image data of the received contract is displayed on the display 31 and is confirmed by the operator 5. The operator 5 confirms the signature of the customer 2 by looking at the image of the contract displayed on the display 31.
SA23: If the contract signature is incomplete as determined in SA22, the operator 5 operates the keyboard 32 and the mouse 33 to return the contract document to the customer terminal device 1, and from the display unit 16. An instruction is issued to output a signature correction guidance, and the operator 5 himself / herself inputs voice guidance from the headset 35 to the customer 2.

When the control unit 28 of the customer terminal device 1 receives the contract document return instruction from the center terminal device 4, the first branching unit 46 changes the transport direction of the contract document from the image reading unit 21 to the document loading / unloading port 23. As shown by an arrow B in FIG. 9, the contract in the image reading unit 21 is transported to the document loading / unloading port 23 by the document fetching mechanism 231 and discharged.
Then, guidance is output from the display unit 16, and voice guidance that the operator 5 himself inputs to the customer 2 from the headset 35 of the center terminal device 4 is output from the speaker 12.

  The customer 2 receives the contract discharged from the document loading / unloading port 23, corrects the signature of the contract according to the guidance by the video from the display unit 16 and the voice by the speaker 12, and the corrected contract Is set in the document loading / unloading port 23 with the entry side facing up (SA20). When the corrected contract is set in the document loading / unloading port 23, as shown by an arrow A in FIG. 9, it is sucked by the document fetching mechanism 231 and sent to the image reading unit 21, where the image reading unit 21 performs a reading operation (SA21). Then, the acquired image data is transmitted to the center terminal device 4, and the control unit 38 of the center terminal device 4 overwrites and stores the received image data of the contract in the storage unit 39.

  SA24: If there is no incompleteness in the signature of the contract according to the determination in SA22, the operator 5 operates the keyboard 32 and the mouse 33 to instruct the customer terminal device 1 to collect the contract and issue a copy of the contract. To do. When the control unit 28 of the customer terminal device 1 receives an instruction to collect the contract and issue a copy of the contract from the center terminal device 4, first, the contract in the image reading unit 21 is indicated by an arrow C in FIG. As shown in FIG. 10 (c), the collected application form is transported to the printing mechanism 44 by the document take-in mechanism 231 and controlled by the printer unit 232. Numbering is performed to print the same number 73 as the number printed on.

  SA25: When numbering is performed to print the number on the contract, the contract is transported to the collection box 41 by the document take-in mechanism 231 and collected. That is, in the first branching unit 46, the conveyance direction of the contract from the image reading unit 21 is switched to the collection box 41, and the contract in the image reading unit 21 is conveyed through the first conveyance path 42 and collected. Collect in box 41.

  SA26: Next, the control unit 28 of the customer terminal device 1 causes the second branching unit 47 to send a sheet as a copy of the contract drawn out from the storage box 452 to the first conveyance path 42. By switching the transport direction, as indicated by an arrow G in FIG. 9, a sheet serving as a copy of the contract is fed out from the storage box 452 and sent to the first transport path 42. Then, using the image data of the contract document stored in the storage unit 29, the printer unit 232 is controlled, and the printing mechanism 44 is necessary for the sheet that is a copy of the contract document conveyed through the first conveyance path 42. To make a copy of the contract, which is a copy of the contract. Then, in the first branching section 46, the transfer direction of the copy of the contract sent from the storage box 452 to the first transfer path 42 is switched to the direction of the document loading / unloading port 23, and is indicated by an arrow F in FIG. As described above, a copy of the contract is sent from the first transport path 42 to the second transport path 43, discharged from the document loading / unloading port 23, and a copy of the contract is issued to the customer 2.

SA27: Further, the card issuing unit 221 is controlled to store necessary items in the card and issued from the card issuing port 22. When the customer receives a copy of the contract from the document loading / unloading port 23 and receives the card from the card issuing port 22, the cash card issuance transaction ends.
Here, even if a certain period of time has elapsed since the control unit 28 determined that the customer 2 was away from the customer terminal device 1 from the output of the proximity sensor 14, a copy of the contract is taken out from the output of the sensor (not shown). If it is in the mouth 23, it is determined that the customer 2 has forgotten to take a copy of the contract. A copy of the contract at the document input / exit port 23 is switched and collected in the collection box 41 by being conveyed through the second conveyance path 43 and the first conveyance path 42 as indicated by arrows H and I in FIG.

  In the case where the customer 2 leaves the customer terminal device 1 in the middle of the contract and the application form or contract remains in the document input / exit port 23, as in the above-described collection operation of the copy of the contract, Collect in the collection box 41. As a result, the customer's application form, contract, or copy of the contract previously used by the customer who uses the customer terminal device 1 later is not used.

As explained above, in the first embodiment, the staff of the financial institution sorts the application form by printing the sign “contract established” or “contract not established” on the application form and loading it into the collection box. When working, it becomes possible to determine at a glance whether "contract is established" or "contract is not established" printed on the application form, and an effect is obtained that the sorting operation can be easily performed.

Next, a second embodiment will be described.

FIG. 11 is a block diagram showing the configuration of the unmanned transaction system in the second embodiment. The configuration of the unmanned transaction system in the second embodiment is obtained by adding an optical reading automatic sorting device to the configuration of the unmanned transaction system in the first embodiment.
Note that parts similar to those of the first embodiment described above are denoted by the same reference numerals and description thereof is omitted.

In FIG. 11, reference numeral 50 denotes an optical reading automatic sorting device which reads information printed on the application form and contract collected by the customer operation terminal 1 and sorts the application form and contract according to the information.
FIG. 13 is an explanatory diagram showing the configuration of the optical reading automatic sorting apparatus in the second embodiment of FIG. 12, and the block diagram showing the configuration of the optical reading automatic sorting apparatus in the second embodiment of FIG. explain.

In FIG. 12, 51 is a document take-in unit, which has a portion for collecting documents such as application forms and contracts, and separates the documents accumulated in that portion one by one by a separation roller, a conveyance roller, etc., not shown, It feeds into the feeding device.
An optical reading unit 52 includes a bar code reader or the like, and reads a bar code, a two-dimensional code, or the like printed on a document sent from the document taking unit 51.

Reference numeral 53 denotes a document conveyance path, which includes a conveyance roller and the like. This document transport path 53 connects the document fetching unit 51 with a contract establishment document sorting and accumulating unit and a contract failure type stacking unit, which will be described later, and transports the document from the document fetching unit 51 to the contract establishment document sorting and stacking unit or the contract failure type stacking unit. Is.
A switching blade 54 is provided at a branch point on the document transport path 53 and switches the document transport destination.

  Reference numeral 55 denotes a contract establishment document sorting and accumulating unit, which is a part that accumulates documents conveyed by the document conveyance path 53 when it is determined that a contract has been established as a result of reading by the optical reading unit 52. The contract establishment document sorting and accumulating unit 55 includes a plurality of accumulating parts, and can classify and accumulate documents based on information read by the optical reading unit 52. In the present embodiment, a device having 12 stages of accumulation is shown, but the present invention is not limited to twelve stages, and may be less than twelve stages or more than thirteen stages.

Reference numeral 56 denotes a non-contracted document accumulating unit, which is a part for accumulating the documents conveyed by the document conveying path 53 when it is determined that the contract is not established as a result of reading by the optical reading unit 52.
In FIG. 13, reference numeral 61 denotes an operation unit, which is used by an attendant or the like to input a command for executing a predetermined process.
Reference numeral 62 denotes a display unit, which is a display for displaying guidance or the like for guiding an operation of an attendant or the like.

Reference numeral 63 denotes a transport unit that controls the switching blade 54 to transport the documents accumulated in the document take-in unit 51 to a predetermined contract establishment document sorting and accumulation unit or a contract failure type accumulation unit.
Reference numeral 65 denotes a control unit, which includes an operation unit 61, a display unit 62, a transport unit 63, an optical reading unit 52, a storage unit 66, and communication control performed with other devices via a communication line (not shown). It controls the whole. The storage unit 66 includes a memory, a magnetic disk, a removable storage medium, and the like, and controls the entire optical reading automatic sorting apparatus 50 by a control program (software) stored in the storage unit 66.

Next, the effect | action of the structure mentioned above is demonstrated.
The following operation will be described by taking as an example a case where a customer exchanges a contract with a financial institution by operating a customer terminal device and issues a cash card. FIGS. 14 and 15 are flowcharts showing the contract processing in the second embodiment. FIG. 14 shows the process of obtaining the application form entered by the customer and the image data of the identification card brought by the customer and returning these documents. FIG. 15 shows the subsequent operation, that is, the processing after the contract issuance.

Hereinafter, the operation will be described in accordance with steps represented by SB in FIGS. The operation of each unit described below is controlled by a control unit (not shown) based on a program (software) stored in a storage unit (not shown).
When the customer 2 approaches the customer terminal device 1, the approach of the customer is detected from the output of the proximity sensor 14, and the control unit 28 displays guidance on the display unit 16.

The customer 2 operates the touch panel unit 17 according to the guidance and selects a transaction item. Here, it is assumed that a cash card issuance transaction is selected. In addition, the customer 2 inputs information for specifying the type of identification card that he / she brought from the touch panel unit 17. Information input from the customer terminal device 1 by the customer 2 is transmitted to the center terminal device 4 via the communication network 3.
SB1 to SB9: Same as SA1 to SA9.

  SB10: If the examination passes, the operator 5 operates the keyboard 32 and the mouse 33 to instruct the customer terminal device 1 to issue the contract in order to shift to the contract issuance procedure. When the control unit 28 of the customer terminal device 1 receives a contract issuance instruction from the center terminal device 4, the application form in the image reading unit 21 is sent by the document fetching mechanism 231 as indicated by an arrow C in FIG. 9. The paper is conveyed to the printing mechanism 44, and the printer unit 232 is controlled to print on the application form 71 a bar code indicating “contract establishment” and a numbering number. Instead of this bar code, a two-dimensional code 76 including two pieces of information of “contract establishment” and numbering may be printed as shown in FIG.

SB11 to SB13: Same as SA11 to SA13.
SB14: On the other hand, when it is determined that the contract is not established as a result of the examination in SB9, the operator 5 operates the keyboard 32 and the mouse 33 to instruct the customer terminal device 1 to cancel the transaction. When the control unit 28 of the customer terminal device 1 receives an instruction to cancel the transaction from the center terminal device 4, the application form in the image reading unit 21 is sent by the document take-in mechanism 231 as shown by an arrow C in FIG. 9. The paper is conveyed to the printing mechanism 44, and the printer unit 232 is controlled to print a barcode indicating “contract not established” and a numbering number on the application form 71 by the printing mechanism 44. Instead of this bar code, as shown in FIG. 16B, a two-dimensional code 76 including two pieces of information of “contract unsuccessful” and numbering may be printed.

SB15 to SB23: Same as SA15 to SA23.
SB24: If the signature of the contract is not incomplete as determined by SB22, the operator 5 operates the keyboard 32 and the mouse 33 to instruct the customer terminal device 1 to collect the contract and issue a copy of the contract. . When the control unit 28 of the customer terminal device 1 receives an instruction to collect the contract and issue a copy of the contract from the center terminal device 4, first, the contract in the image reading unit 21 is indicated by an arrow C in FIG. As described above, the number is the same as the numbering number printed on the collected application form in the contract 75 by controlling the printer unit 232 by the document take-in mechanism 231 and controlling the printer unit 232. Prints a bar code that means Instead of this bar code, a two-dimensional code 76 including numbering number information may be printed as shown in FIG.

SB25 to SB28: Same as SA24 to SA27.
In the above-described operation, the type of barcode to be printed, the encryption of the print content, the print position, and the like can be arbitrarily set by inputting from the touch panel unit 17 and storing them in the storage unit 29.
Also, according to instructions from the center terminal device 4, the name of the contractor or the applicant, the sex of the contractor or the applicant, the date of birth of the contractor or the applicant, the address of the contractor or the applicant, the contractor or the applicant Phone number, contractor / applicant's office, contractor / applicant's driver's license number, contractor / applicant's insurance card number, contract type, contract details, contract / application date, contract Alternatively, the contractor information of the application form of the application store, etc. and the contents of the entry items of the contract can be printed as a barcode.

Next, the operation of the optical reading automatic sorting apparatus used for document sorting processing will be described.
The clerk accumulates documents, which are application forms or contracts collected in the collection box 41 of the customer terminal device 1, in the document fetching unit 51 of the optical reading automatic sorting device 50.
When the start key of the operation unit 61 is pressed by the clerk, the document take-in unit 51 separates the documents stacked one by one by a separation roller (not shown), and the document separated by a conveyance roller (not shown) enters the document conveyance path 53. Send it in.

The document sent to the document transport path 53 is transported to the optical reading unit 52, and the optical reading unit 52 reads whether the contract is established or not, and the number that is the contract identification information, from the barcode printed on the document.
If the contract is established, it is classified into the read number and conveyed to the contract establishment document sorting and accumulating unit 55 for accumulation. For example, an application form and a contract with the same read number are conveyed to one contract formation document sorting and accumulating unit 55 and accumulated. As a result, it is possible to classify the application form and the contract form assigned the same number for which the contract has been established in association with each other.

If the contract has not been established, it is conveyed to the contract failure document accumulating unit 56 and accumulated. As a result, documents for which no contract has been established can be collected together.
The above operation is repeated until there are no more documents accumulated in the document fetch unit 51.
In this manner, an operation for sorting the documents accumulated in the document fetching unit 51 is performed.
The bar code or two-dimensional code described above may be classified by contract type, contractor or applicant's gender by including information such as contract type, contractor's or applicant's gender, etc. it can.

In addition, information read from the barcode printed on the document can be stored in the storage unit 66 and collated with the contract information stored in the database provided in the center terminal 4.
Further, the customer terminal device 1 may be provided with an optical reading unit 52, a document conveyance path 53, a contract establishment document sorting and accumulating unit 55, a contract failure type accumulating unit 56, and the like, and classifying the types.
As described above, in the second embodiment, the information on the “contract establishment” or “contract establishment” and the number and the like are bar-coded and printed on the application and contract documents on the customer operation terminal. By reading and sorting with the optical reading automatic sorting apparatus, the effect of reducing the document sorting work performed by the attendant can be obtained.

Next, a third embodiment will be described.

Since the configuration of the third embodiment is the same as that of the second embodiment, the same reference numerals are given and description thereof is omitted.
The operation of the third embodiment will be described.
The following operation will be described by taking as an example a case where a customer exchanges a contract with a financial institution by operating a customer terminal device and issues a cash card. FIGS. 17 and 18 are flowcharts showing the contract processing in the third embodiment. FIG. 17 shows the process until the application form entered by the customer and the image data of the identification card brought by the customer are acquired and returned. FIG. 18 shows the subsequent operation, that is, the processing after the contract issuance.

Hereinafter, the operation will be described in accordance with steps represented by SC in FIGS. The operation of each unit described below is controlled by a control unit (not shown) based on a program (software) stored in a storage unit (not shown).
When the customer 2 approaches the customer terminal device 1, the approach of the customer is detected from the output of the proximity sensor 14, and the control unit 28 displays guidance on the display unit 16.

The customer 2 operates the touch panel unit 17 according to the guidance and selects a transaction item. Here, it is assumed that a cash card issuance transaction is selected. In addition, the customer 2 inputs information for specifying the type of identification card that he / she brought from the touch panel unit 17. Information input from the customer terminal device 1 by the customer 2 is transmitted to the center terminal device 4 via the communication network 3.
SC1 to SC13: Same as SA1 to SA13.

  SC14: If it is determined that the contract is not established as a result of the examination in SC9, the operator 5 operates the keyboard 32 and the mouse 33 to instruct the customer terminal device 1 to cancel the transaction. When the control unit 28 of the customer terminal device 1 receives an instruction to cancel the transaction from the center terminal device 4, the application form in the image reading unit 21 is sent by the document fetching mechanism 231 as shown by an arrow B in FIG. 9. As shown by an arrow H in FIG. 9, the paper is then transported to the printing mechanism 44 by the document taking-in mechanism 231, and the printer unit 232 is controlled by the printing mechanism 44. As shown in FIG. 19A, the contractor information such as name, date of birth, address, telephone number, work place, and hobby printed on the application form 71 is blacked out as shown in FIG. 19B. Do.

Here, it is assumed that the area to be printed in black is a predetermined position preset in the storage unit 29.
SC15: If application information such as name, date of birth, address, telephone number, office, hobby, etc. printed on the application form is blacked out, the application form is taken out as shown by arrow F in FIG. Thereafter, the application is sent to the image reading unit 21 as indicated by an arrow A in FIG. When the control unit 28 determines that the application form 71 is conveyed to a predetermined position of the image reading unit 21 by a sensor or the like (not shown), the control unit 28 controls the image reading unit 21 to perform a reading operation.

SC16: The control unit 28 displays the image data of the application form read by the image reading unit 21 on the display unit 16, and the operator 5 from the headset 35 of the center terminal device 4 to the customer 2 by voice Enter that you have erased the information you entered.
SC17: When the customer 2 confirms that the contents entered in the application form are blacked out and erased, and the customer 2 presses the confirmation key or the like on the touch panel unit 17, the application form in the image reading unit 21 is displayed in FIG. As shown by an arrow C in FIG. 2, the document is taken to the printing mechanism 44 by the document take-in mechanism 231, and the printer unit 232 is controlled, and the printing mechanism 44 gives the application 71 a “contract not established” and numbering number. Print the meaning barcode. Instead of this bar code, a two-dimensional code 76 including two pieces of information of “contract not established” and numbering may be printed as shown in FIG.

SC18 to SC20: the same as SB15 to SB17.
SC21 to SC31: Same as SB18 to SB28.
In addition, the above-mentioned bar code or 2D code includes the contractor information such as the name of the contractor or the applicant, the date of birth, etc., which is the contents of the application form, and the application is made by reading the bar code or 2D code. It is also possible to restore the contents entered in the form. However, if the application form is printed on a barcode, etc., it should be encrypted so that it cannot be read by a third party.

  As explained above, in the third embodiment, even if a non-contracted application form is collected, the entered information is erased, so the financial institution side stores the personal information of the non-contractor who is not a customer on the page. It is possible to prevent the personal information from being leaked and to be freed from the management of personal information.

Explanatory drawing of the customer terminal device in the first embodiment The block diagram which shows the structure of the unmanned transaction system in a 1st Example. The perspective view which shows the external appearance of the customer terminal device in a 1st Example The block diagram which shows the structure of the customer terminal device in a 1st Example. External view of center terminal apparatus in first embodiment The block diagram which shows the structure of the center terminal device in a 1st Example. Flowchart showing contract processing in the first embodiment Flowchart showing contract processing in the first embodiment Explanatory drawing which shows the operation | movement of the contract process in a 1st Example. Explanatory drawing of application form and contract in the first embodiment The block diagram which shows the structure of the unmanned transaction system in 2nd Example. Explanatory drawing which shows the structure of the optical reading automatic sorting apparatus in 2nd Example. The block diagram which shows the structure of the optical reading automatic sorting apparatus in 2nd Example. Flowchart showing contract processing in the second embodiment Flowchart showing contract processing in the second embodiment Illustration of application form and contract in the second embodiment Flowchart showing contract processing in the third embodiment Flowchart showing contract processing in the third embodiment Explanatory drawing of the application form in the third embodiment

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Customer operation terminal 2 Customer 3 Communication network 4 Center terminal device 5 Operator 11 Main body cabinet 12 Speaker 13 Person camera 14 Proximity sensor 15 Hand camera 16 Display part 17 Touch panel part 18 Handset 19 Microphone 20 Document entry table 21 Image reading part 22 Card issue 221 Card issuing unit 23 Document loading / unloading port 231 Document loading mechanism 232 Printer unit 25 Multimedia control unit 28 Control unit 29, 39, 66 Storage unit 31 Display 32 Keyboard 33 Mouse 34 Camera 35 Headset 36 Multimedia communication device 37 Printer 38 Control part 41 Collection box 42 1st conveyance path 43 2nd conveyance path 44 Printing mechanism 451,452 Storage box 46 1st branch part 47 2nd branch part 50 Optical reading automatic Sorting device 51 Document capturing unit 52 Optical reading unit 53 Document transport path 54 Switching blade 55 Contract establishment document sorting and accumulating unit 56 Contract incomplete document accumulating unit 61 Operation unit 62 Display unit 63 Conveying unit 65 Control unit

Claims (6)

Image data of the application form is acquired by the image reading unit, the image data is transmitted to the host device, and information on the success / failure of the contract is received from the host device. The customer terminal device that takes the contract printed in the collection box into the collection box, issues a copy of the contract printed with the same contents as the contract to the customer, and loads the application into the collection box when the contract is not established In
The printing mechanism is provided in a conveyance path connecting the image reading unit and the collection box,
A customer terminal device characterized in that, according to the contract success / failure information received from the host device, the print mechanism prints the application form indicating the success / failure of the contract. The customer terminal device according to claim 1,
In place of or in addition to printing indicating the success or failure of the contract on the application form, the information on the success or failure of the contract and the number assigned to the application form are printed as a barcode,
The customer terminal device, wherein the same number as the number assigned to the application form is printed on the contract as a barcode. In the customer terminal device according to claim 1 or claim 2,
A customer terminal device characterized in that printing indicating the success or failure of the contract is performed by printing codes such as letters, numbers, symbols, encryption, illustrations or abbreviations, codes, or barcodes. In the customer terminal device of claim 1, claim 2 or claim 3,
A customer terminal device characterized in that, when the contract is not established, printing is performed to fill all or part of the contractor information such as the name and date of birth of the customer entered in the application form. The image data of the application form received by the customer is received, and the image data of the application form is acquired by the center terminal device that displays the image data, and the image reading unit, and the image data is transmitted to the center terminal device. When contract information is received from the center terminal device, and the information is contracted, the application form and the contract printed with the printing mechanism are loaded into the collection box and the same contents as the contract are printed. In an unattended transaction system with a customer terminal device that issues a copy of the contract to the customer and takes the application form into a collection box when the contract is not established,
An unattended transaction system comprising a customer terminal device that prints the success / failure of a contract on the application form according to information on the success / failure of a contract received from the center terminal device and takes it into a collection box. A document fetching unit that captures documents such as contracts and application forms with contract identification information such as success or failure of the contract and number printed as a barcode;
A contract completion document sorting and accumulating unit that classifies and accumulates documents for which contracts have been established according to contract identification information;
A non-contracted document collection unit that collects non-contracted documents;
A document transporting path that connects the document fetching unit with the contract establishment document sorting and collecting unit and the contract failure document collecting unit and transporting the document;
A switching blade for switching the transport destination provided on the transport path;
An optical reading unit that reads a barcode printed on a document provided in the document conveyance path,
The document input to the document take-in section is transported by the transport path, the barcode printed on the document is read by an optical reading section, the switching path switching blade is switched according to the read information, and the document is An optical reading automatic sorting apparatus characterized in that it is classified and accumulated in the contract-successful document sorting and collecting unit or the contract non-successful document collecting unit.