JP2007241427A - Transaction processing system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a transaction processing system capable of registering a seal image in a seal server just after a customer presents a seal slip, and executing a transaction processing by using registered seal. <P>SOLUTION: In this transaction processing system, a business store terminal side is provided with: an input part for inputting customer information; a terminal generation part for generating an opening request; a terminal communication part for transmitting customer information and an opening request to a host computer; and an acquisition part for acquiring a seal image, and a host computer side is provided with a host receiving part for receiving the customer information and the opening request from the business store terminal; an account number issuing part for issuing an account number based on the opening request; a host storage part for storing the customer information by associating it with the account number; and a host transmission part for transmitting the account number to the business store terminal, and the terminal communication part transmits a seal image and the account number received from the host computer to a seal server, and the seal server side is provided with a server storage part for storing the seal image received from the business store terminal by associating it with the received account number. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a transaction processing system for registering a seal image and performing a transaction process, and more particularly to a transaction processing system that enables a transaction process to be executed immediately after registering a seal image.

  The transaction processing system includes a host computer and a seal server arranged in a financial institution center (office concentration center), and a branch office terminal installed in the financial institution's sales office and connected to the host computer and the seal server. Is done. In order to perform each transaction processing using this transaction processing system, customer information such as the customer's name and address is registered in the host computer, an account is opened, and the seal image of the customer's seal is registered in the seal server. There is a need.

  When applying for the opening of an account, the customer fills in the customer application information on the opening application form for applying for opening, seals the seal on the seal slip, and submits them to the sales office window.

  Upon receipt of the opening application form and the seal slip, the branch office operator inputs the customer information entered on the opening application form into the branch terminal. Then, the sales office terminal transmits the input customer information to the host computer together with an account opening request for requesting opening of an account.

  When receiving the customer information and the account opening request from the branch terminal, the host computer issues an account number of the account to be opened, and stores the received customer information in correspondence with the account number. Subsequently, the host computer transmits the issued account number to the branch terminal. This opens a customer account.

  When receiving the account number from the host computer, the branch terminal displays the received account number on the display unit. Then, the operator of the sales office writes the displayed account number on the seal slip. Thereafter, the seal slip is sent from the sales office to the center by e-mail for registering the seal image in the seal server.

  After the seal slip sent from the sales office arrives at the center, the registration processing of the seal image to the seal server is performed using the center terminal connected to the seal server and the image scanner connected to the center terminal. That is, a seal image is acquired from a seal slip by an image scanner, and the seal image is stored in a seal server in correspondence with the account number read from the seal slip. Thereby, the seal image is registered in the seal server.

  By the way, since the registration processing of the seal image to the seal stamp server has been conventionally performed in the center, there is a problem that it is necessary to secure personnel for the registration processing in the center, which is costly.

  In addition, since the registration process is intensively performed on every seal slip that arrives, for example, every day after the seal slip sent by mail from the sales office arrives at the center, It took several days for the seal slip to be registered in the seal server after the vote was submitted to the sales office.

  Furthermore, in order to be able to execute transaction processing using a registration seal for an established account, the following registration confirmation processing is required. That is, the host computer communicates with the seal server and confirms whether or not a seal image corresponding to the opened account is newly registered in the seal server. When the host computer confirms that the account has been registered, the host computer can execute transaction processing using the registered seal for the account. Since this registration confirmation process is conventionally performed in a batch process at night, etc., after the seal image is registered in the seal server, until the transaction process using the registered seal can be executed, It took more time.

  For this reason, a transaction processing system in which the cost for registering a seal image is suppressed, and a seal image is registered in a seal server immediately after a customer submits a seal slip, and a transaction process using the registered seal stamp can be executed. It was rare.

  The present invention adopts the following configuration in order to solve the above points.

<Constitution>
A transaction processing system according to the present invention is arranged in a center of a financial institution and is used in transaction processing, arranged in the center, and a host computer in which account information in the account is stored in order to perform transaction processing for a customer account. Including a seal server that stores a seal image of a registered seal of a customer and a store terminal that is located at a financial institution's store and can communicate with the host computer and the seal server. An input unit for inputting customer information, a terminal generation unit for generating an opening request for opening an account, a terminal communication unit for transmitting the input customer information and the generated opening request to a host computer, and a registration seal And an acquisition unit that reads the stamp form stamped and acquires the seal image, and the host computer receives customer information and opening request from the branch terminal A host receiving unit, an account number issuing unit for issuing an account number based on the received opening request, a host storage unit for storing the received customer information in association with the issued account number, and the issued account number A terminal transmission unit that transmits the seal image acquired by the acquisition unit and the account number received from the host computer to the seal server. A server storage unit that stores the seal image received from the terminal in association with the received account number is further provided.

  In the transaction processing system according to the present invention, the seal server operates a server generation unit that generates a registration completion signal indicating that registration of the seal image corresponding to the account number has been completed, and the generated registration completion signal and the account number. And a server transmission unit for transmitting to the store terminal. In the store terminal, the terminal generation unit further registers for notifying that the seal image has been registered in the seal server based on the registration completion signal received from the seal server. The terminal communication unit transmits the generated registration completion notification and the account number received from the seal server to the host computer. In the host computer, the host reception unit further notifies the registered notification from the branch terminal. And the host storage unit can further store registered data indicating registered in correspondence with the received account number. That.

  In the transaction processing system according to the present invention, a terminal device having a personal computer can be employed as a branch office terminal. In this case, an image scanner connected to a personal computer is employed as the acquisition unit.

  In the transaction processing system according to the present invention, the seal slip has a form, the acquisition unit acquires a seal slip image of the seal slip including the seal image, and the branch terminal stores a form storage unit that stores the form in advance. And an extraction unit for extracting the seal image from the seal form image based on the form.

  The seal slip further includes a customer signature, the seal slip image further includes a signature image of the signature, the extraction unit further extracts the signature image from the seal slip image, and the terminal communication unit further extracts the signature image. The signature image received from the branch office terminal can be stored in correspondence with the account number.

  Further, the acquisition unit can acquire an application form image including a customer information image by reading an opening application form for opening an account in which customer information of the customer is described. In this case, the terminal communication unit further transmits the acquired application form image to the seal server, and the server storage unit further stores the application form image received from the branch terminal in association with the account number.

  In this case, the customer's name can be adopted as the customer information.

  Moreover, a customer's address can also be employ | adopted as customer information.

  Furthermore, the customer's telephone number can be adopted as the customer information.

  A customer's face photo can also be attached to the opening application form. In this case, the application form image further includes a face photograph image of the face photograph.

  According to the transaction processing system of the present invention, since the seal image is read and transmitted to the seal server at the sales office, it is not necessary to secure personnel for the registration process of the seal image in the center, and the center of the seal slip Therefore, the cost and time required for the registration process of the seal image can be reduced. In addition, when the registration data update process for the host computer and the seal server is linked via the branch office terminal, the registration confirmation process from the host computer to the seal server becomes unnecessary, and the seal image is registered in the seal server. At the same time, it is possible to inquire and verify the registered seal stamp to the seal server, so that the transaction processing using the registered seal stamp can be executed immediately after the customer submits the seal slip to the sales office.

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

  FIG. 1 is a block diagram showing a configuration of a transaction processing system according to a first embodiment of the present invention. By using this transaction processing system 10, a customer's seal can be registered and processed at a sales office of a financial institution.

  As shown in FIG. 1, the transaction processing system 10 is arranged at a terminal device 11 as a branch office terminal installed in a branch office of a financial institution and a center (office concentration center) of the financial institution. And a host computer 13 connected via a dedicated line 12 and a seal server 15 disposed in the center of the financial institution and connected to the terminal device 11 via a dedicated line 14.

  The terminal device 11 includes a personal computer 16 and an image scanner 17.

  The image scanner 17 is connected to the personal computer 16 and has a function as an acquisition unit. The image scanner 17 reads a seal stamp on which a customer's seal is impressed, and acquires image data of the seal, that is, a seal image.

  The personal computer 16 includes a display unit 18, an input unit 19, a terminal temporary storage unit 20, a terminal reading unit 21, a terminal generation unit 22, a terminal communication unit 23, and a terminal control unit 24.

  The display unit 18 includes a display, for example, and has a function of displaying various screens including a selection screen and an input screen.

  The input unit 19 includes, for example, a mouse and a keyboard, and has functions for selecting selection data and inputting input data on various screens displayed on the display unit 18.

  The terminal temporary storage unit 20 is a storage unit that temporarily stores input data input by the input unit 19, a seal image acquired by the image scanner 17, and the like.

  The terminal reading unit 21 reads data stored in the terminal temporary storage unit 20.

  The terminal generation unit 22 has a function of generating an opening request for requesting the host computer 13 to open a new account and a registered notification for notifying that the seal image has been registered in the seal server 15.

  The terminal communication unit 23 communicates with the host computer 13 via the dedicated line 12 and communicates with the seal server 15 via the dedicated line 14.

  The terminal control unit 24 has a function of controlling the above-described units 18 to 23 and the image scanner 17.

  The host computer 13 includes a host communication unit 28, a host temporary storage unit 29, a host storage unit 30, a host reading unit 31, an account number issuing unit 32, a host generation unit 33, and a host control unit 34.

  The host communication unit 28 has functions as a host reception unit and a host transmission unit, and has a function of receiving an establishment request and a registered notification from the terminal device 11, a function of transmitting a registration request to be described later to the terminal device 11, and the like. Have.

  The host temporary storage unit 29 is a temporary storage unit that temporarily stores data received by the host communication unit 28.

  The host storage unit 30 stores account information including the store number, subject number, and account number of each account in association with customer information including the customer's name, address, and telephone number.

FIG. 2 is an explanatory diagram showing the configuration of the host storage unit.
As shown in FIG. 2, the host storage unit 30 stores, for each customer, customer information including the customer's name, address, telephone number, etc., and account information including a store number, a course number, and an account number. ing.
In addition, the host storage unit 30 is further provided with a registration item 39, and in response to the registration completion notification from the terminal device 11, the registered data “Done” indicating that the seal image has been registered in the seal server 15 is registered. 39.

  For example, in the host storage unit 30, in correspondence with the account of the customer “Taro Oki”, the name “Taro Oki” as customer information, the address “1-7-12 Toranomon Minato-ku, Tokyo”, and the telephone number “03-1111” -1111 "is stored, and the store number" 111 ", the subject number" 1 ", and the account number" 1111111 "are stored as the account information. The corresponding registered item 39-1 stores the registered data “Done”, which indicates that the seal image corresponding to the customer's account has been registered in the seal server 15.

  Further, in the host storage unit 30, corresponding to the account of the customer “Ichiro Kobayashi”, the name “Ichiro Kobayashi” as the customer information, the address “1-16-8 Sakai City Chuo, Saitama Prefecture”, and the telephone number “048-222” -2222 "is stored, and the store number" 222 ", the subject number" 2 ", and the account number" 222222 "are stored as the account information. Then, the registered data 39-2 is not stored in the corresponding registration item 39-2, indicating that the seal image corresponding to the customer's account is not registered in the seal server 15.

  The host reading unit 31 has a function of reading data from the host temporary storage unit 29 and the host storage unit 30.

  The account number issuing unit 32 has a function of issuing an account number of a newly opened account based on the account number stored in the host storage unit 30.

  The host generation unit 33 has a function of generating a registration request for requesting registration of the seal slip to the seal stamp server 15.

  The host control unit 34 has a function of controlling the above-described units 28 to 33.

  The seal server 15 is used for registering a seal slip at the time of opening an account and inquiring a registered seal at the time of transaction processing using the registered seal, and includes a server communication unit 35, a server storage unit 36, a server generation unit 37, and a server control unit. 38.

  The server communication unit 35 has a communication function with the terminal device 11 and transmits a function as a server reception unit that receives data such as account information and a seal image from the terminal device 11 and a registration completion signal described later. It has a function as a server transmission unit.

  The server storage unit 36 stores account information including the store number, subject number, and account number of each account in association with the seal image of the account.

FIG. 3 is an explanatory diagram illustrating a configuration of the server storage unit according to the first embodiment.
As shown in FIG. 3, the server storage unit 36 stores the account information of each account and the seal image of the account in association with each other.

  For example, the server storage unit 36 stores a seal image of the registered seal of the customer “Taro Oki” in association with the store number “111”, the subject number “1”, and the account number “1111111”.

  The server generation unit 37 has a function of generating a registration completion signal indicating completion of registration of the seal image.

  The server control unit 38 has a function of controlling the above-described units 35 to 37.

  Next, the flow of processing when an account is opened using the transaction processing system 10 will be described.

  When applying for the opening of an account, the customer must provide in advance the necessary information on the opening application form for applying for the opening of an account, that is, the name of the store opening the account, the subject indicating the type of account to be opened, the customer's Fill in customer information including name, address, phone number, etc. The customer also stamps the seal to be registered on the seal slip. The customer then submits the completed opening application form and the stamped seal slip to the sales office window.

Next, the operation of the transaction processing system 10 at the time of opening an account will be described with reference to a flowchart by taking as an example a case where a customer “Taro Oki” has applied for an account opening.
FIG. 4 is a flowchart showing the operation in the first embodiment of the transaction processing system according to the present invention.

On the display unit 18 of the terminal device 11, a selection screen for allowing the operator to select a process under the control of the terminal control unit 24 is displayed.
Upon receiving the opening application form and the seal slip submitted by the customer, the branch office operator operates the input unit 19 on the selection screen displayed on the display unit 18 so as to select the account opening. Enter.
In response to the input from the input unit 19, the terminal control unit 24 causes the display unit 18 to display a customer information input screen for allowing the operator to input customer information (S101).

  When the customer information input screen is displayed on the display unit 18, the operator reads the name, subject, and customer information of the sales office filled in the opening application form, and stores the store number and subject corresponding to the name of the sales office. The input unit 19 inputs the subject number corresponding to and the read customer information. In this embodiment, the store number “111”, the subject number “1”, the customer information, the name “Taro Oki”, the address “1-7-12 Toranomon, Minato-ku, Tokyo”, and the telephone number “03-1111-1111”. Is input. The input store number, subject number, and customer information are stored in the terminal temporary storage unit 20.

  Subsequently, the terminal control unit 24 controls the terminal generation unit 22 to generate an opening request for requesting the host computer 13 to open an account. The generated opening request is stored in the terminal temporary storage unit 20 (S102).

  Next, the terminal control unit 24 causes the terminal reading unit 21 to read the opening request, the store number, the subject number, and the customer information from the terminal temporary storage unit 20, and causes the terminal communication unit 23 to read the opening request, The store number, subject number, and customer information are transmitted to the host computer 13 (S103).

  In the host computer 13, when the host communication unit 28 receives the opening request and the store number, subject number and customer information from the terminal device 11, the received store number, subject number and customer information are stored in the host temporary storage unit 29. Remembered.

  Subsequently, the host control unit 34 causes the account number issuing unit 32 to issue the account number of the account to be opened based on the received opening request (S104). The account number issuing unit 32 issues an account number based on the account number stored in the host storage unit 30. In this embodiment, “1111111” is issued as the account number.

  Then, the host control unit 34 causes the host reading unit 31 to read the store number, the subject number, and the customer information from the host temporary storage unit 29, and the read customer information is read as the read store number, the subject. The information is stored in the host storage unit 30 in correspondence with the account information including the number and the issued account number (S105). Thereby, in the host storage unit 30, as shown in FIG. 2, the name “Taro Oki”, the address “1-7-12 Toranomon, Minato-ku, Tokyo”, the telephone number “03-1111-1111”, etc. Store number “111”, subject number “1”, and account number “1111111” are stored. Registered data is not stored in the registration item 39-1 corresponding to the account.

  Subsequently, the host control unit 34 causes the host generation unit 33 to generate a registration request for requesting registration of the seal image for the account in the seal stamp server 15 (S106). Then, the host control unit 34 causes the host communication unit 28 to transmit the generated registration request to the terminal device 11 together with the account information including the store number, the subject number, and the account number (S106).

  In the terminal device 11, when the terminal communication unit 23 receives a registration request and account information from the host computer 13, the terminal control unit 24 stores the account information in the terminal temporary storage unit 20.

  Further, the terminal control unit 24 controls the display unit 18 based on the received registration request to display a screen including a message that prompts the operator to read the seal image.

  When the operator sets the seal slip on which the registered seal of the customer is stamped on the image scanner 17 and then operates the input unit 19 to perform input for starting image reading by the image scanner 17, the image scanner 17. However, the seal slip is read to obtain a seal image (S107). The acquired seal image is stored in the terminal temporary storage unit 20.

  Subsequently, the terminal control unit 24 causes the terminal reading unit 21 to read out the account information including the store number, the subject number, and the account number from the terminal temporary storage unit 20 and the seal image, and causes the terminal communication unit 23 to read these information. Is transmitted to the seal server 15 (S108).

  In the seal server 15, when the server communication unit 35 receives the account information and the seal image, the server control unit 38 associates the received seal image with the account information including the store number, the subject number, and the account number, and the server storage unit 36. (S109). Thereby, as shown in FIG. 3, the store number “111”, the subject number “1”, the account number “1111111” and the received seal image are stored in the server storage unit 36.

  Thereafter, the server control unit 38 controls the server generation unit 37 to generate a registration completion signal indicating that the registration of the seal image has been completed (S110), and causes the server communication unit 35 to generate the registration completion signal and account information. Is transmitted to the terminal device 11 (S110).

  In the terminal device 11, when the terminal communication unit 23 receives the registration completion signal and the account information, the terminal control unit 24 generates a registered notification that notifies the terminal generation unit 22 that the seal image has been registered in the seal server 15. (S111), the terminal communication unit 23 is caused to transmit the registered notification and account information to the host computer 13 (S111).

  In the host computer 13, when the host communication unit 28 receives the registered notification and the account information, the host control unit 34 receives registered data indicating that the seal image has been registered in the seal server 15 in the host storage unit 30. The stored account information is stored in correspondence with the account information (S112). As a result, the registered data “Done” is stored in the account registration item 39-1 corresponding to the store number “111”, the subject number “1”, and the account number “1111111” in the host storage unit 30. Then, the transaction processing system 10 ends the account opening process and the seal image registration process.

  As described above, in conjunction with the opening of an account at the host computer, the seal image is read from the sales office to the center by reading the seal image at the sales office and executing the transmission and registration of the seal image to the seal server. Since it is not necessary to send it, the time required for the registration process of the seal image is greatly reduced, and the cost for the registration process of the seal image at the center is reduced. Furthermore, since the account number issued in the host computer is transmitted to the seal server via the branch office terminal together with the registered seal image, the registration confirmation process of the seal image from the host computer to the seal server becomes unnecessary. Immediately after opening an account, transaction processing using a registered seal can be executed.

  In this embodiment, the seal image obtained by the image scanner is registered in the seal server by storing it in the seal server in association with the account information. However, the seal stamp including the seal image is stored by the image scanner. After obtaining the image, it is also possible to extract a seal image from the seal slip image and store the seal image in correspondence with the account information and store it in the seal server. The extraction of the seal image from the seal slip image will be described in the second embodiment.

FIG. 5 is a block diagram showing a configuration of the transaction processing system according to the second embodiment of the present invention. By using this transaction processing system 40, a customer's seal and signature can be registered and processed at a sales office of a financial institution.
In the present embodiment, the same configurations and operations as those of the first embodiment are denoted by the same reference numerals, and description thereof will be omitted.

  As shown in FIG. 5, the transaction processing system 40 is arranged at a terminal device 41 as a branch office terminal installed in a branch office of a financial institution, and at the center of the financial institution, and the terminal device 41 and a dedicated line 42 are connected. The host computer 13 is connected via the terminal, and the seal server 44 is disposed at the center of the financial institution and is connected to the terminal device 41 via the dedicated line 43.

  The terminal device 41 includes a personal computer 45 and an image scanner 46.

  The image scanner 46 is connected to the personal computer 45 and has a function as an acquisition unit. The image scanner 46 reads a seal stamp signed and stamped by a customer and acquires a seal stamp image and a seal slip image including the signature image. Further, the image scanner 46 reads an opening application form in which customer information is entered by a customer and a customer's face photo is pasted in order to apply for opening an account, and an application form image including a customer information image and a face photo image. To get.

  The personal computer 45 includes a display unit 18, an input unit 19, a terminal temporary storage unit 20, a terminal generation unit 22, a terminal communication unit 23, a form storage unit 47, a terminal reading unit 48, an adjustment unit 49, an extraction unit 50, and these units. The terminal control part 51 for controlling is provided.

  The form storage unit 47 is a dedicated storage unit for storing a seal slip form. In this embodiment, the form of the seal slip stored in the form storage unit 47 is provided with a seal stamp field where a registered seal is stamped by a customer and a signature field where a signature is made by a customer.

  The terminal reading unit 48 reads data stored in the terminal temporary storage unit 20 and reads a form from the form storage unit 47.

  The adjustment unit 49 has a function of adjusting the density of the seal form image read by the terminal reading unit 48 and displayed on the display unit 18 and the position of the seal image and signature image included in the seal form image. The density and position adjustment by the adjustment unit 49 is performed based on an input from the input unit 19 as described later.

  The extraction unit 50 extracts the seal image from the coordinate area corresponding to the seal stamp field of the seal slip image based on the form read from the form storage unit 47 by the terminal reading unit 48, and the coordinate area corresponding to the signature field It has a function to extract a signature image from the image.

  The seal server 44 includes a server communication unit 35, a server storage unit 52, a server generation unit 37, and a server control unit 53 for controlling these units.

  The server storage unit 52 stores the account information including the store number, subject number, and account number of each account, the seal image and signature image of the registration seal of the account, and the application form image of the registration application form in association with each other. ing.

FIG. 6 is an explanatory diagram illustrating a configuration of the server storage unit according to the second embodiment.
As shown in FIG. 6, the server storage unit 52 stores the account information of each account and the seal image of the account in association with each other.
The server storage unit 52 further includes a signature image item and an application form image item, and stores the signature image and the application form image received from the terminal device 11. The application form image includes a customer image of customer information entered by the customer on the registration application form and a face photo image of the customer's face photo affixed.

  Next, the flow of processing when an account is opened using the transaction processing system 40 will be described.

  In this embodiment, when applying for opening an account, the customer must fill out the required fields in the opening application form in advance, that is, the name of the store opening the account, the subject indicating the type of account to be opened, The customer information including name, address, telephone number, etc. is entered, and the customer's face photo is pasted in the face photo pasting column. In addition, the customer imprints the seal to be registered in the seal imprinting column and signs the signature column. The customer then submits the completed application form and the signature seal stamped to the sales office.

Next, the operation of the transaction processing system 40 at the time of opening an account will be described along a flowchart.
FIG. 7 is a flowchart showing the operation of the transaction processing system according to the second embodiment of the present invention.

  After displaying the customer information input screen (S101), the host computer 13 issues an account number (S104), and transmits the account information including the account number and a registration request for requesting registration of the seal image to the terminal device 41. Since the operation up to (S106) is the same as that of the first embodiment, the description of S101 to S106 is omitted.

  In the terminal device 41, when the terminal communication unit 23 receives the account information and the registration request from the host computer 13, the terminal control unit 51 stores the account information in the terminal temporary storage unit 20, and based on the received registration request, A screen for prompting the operator to read the seal slip is displayed on the display unit 18.

  When the operator sets the seal slip signed and stamped by the customer on the image scanner 46 and then operates the input unit 19 to perform input for starting image reading by the image scanner 46, the image scanner 46 The seal slip is read to obtain a seal slip image including a seal image and a signature image (S113). The acquired seal slip image is stored in the terminal temporary storage unit 20.

  Subsequently, the terminal control unit 51 controls the terminal reading unit 48 to read the account information and the seal slip image stored in the terminal temporary storage unit 20, and controls the display unit 18 to read the account information. A seal slip image display screen for displaying the seal stamp image and account information is displayed (S114).

  On the seal slip image display screen, the seal slip image read by the image scanner 46 is displayed together with account information including the account number issued by the host computer 13. In addition, the seal form image display screen includes a density adjustment selection button for adjusting the density of the displayed seal form image, a position adjustment selection button for adjusting the position of the seal image and the signature image in the seal form image, A registration request button for requesting registration of the displayed seal slip image to the seal server 44 is provided. When the operator operates the input unit 19 to select a density adjustment selection button or a position adjustment selection button, the terminal control unit 51 causes the adjustment unit 49 to perform density adjustment or position adjustment of the seal slip image.

  When the operator operates the input unit 19 to select the registration request button on the seal slip image display screen, the terminal control unit 51 causes the terminal reading unit 48 to read the form from the form storage unit 47 (S115). . Further, the terminal control unit 51 controls the extraction unit 50 to extract a seal image from the coordinate area corresponding to the seal stamp field of the seal slip image based on the form, and to sign from the coordinate area corresponding to the signature field. An image is extracted (S115). The extracted seal image and signature image are stored in the terminal temporary storage unit 20.

  Subsequently, the terminal control unit 51 causes the display unit 18 to display a screen including a message that prompts the operator to read the opening application form.

  An operator operates the input unit 19 after setting an opening application form on which customer information is entered by a customer and a facial photograph is pasted on the image scanner 46, and an input for starting image reading by the image scanner 46 Then, the image scanner 46 reads the opening application form and obtains an application form image including the customer information image and the face photograph image (S116). The acquired application form image is stored in the terminal temporary storage unit 20.

  Subsequently, the terminal control unit 51 controls the terminal reading unit 48 to read the account information and the application form image stored in the terminal temporary storage unit 20, and controls the display unit 18 to read the account information. The application form image display screen for displaying the applied application form image and the account information is displayed (S117).

  On the application form image display screen, the application form image read by the image scanner 46 is displayed together with account information including the account number issued by the host computer 13. The application form image display screen also includes a density adjustment selection button for adjusting the density of the displayed application form image, and a registration request button for requesting registration of the displayed application form image to the seal server 44. Etc. are provided. When the operator operates the input unit 19 to execute selection of the density adjustment selection button, the terminal control unit 51 causes the adjustment unit 49 to perform density adjustment of the application paper image.

  When the operator operates the input unit 19 and selects the registration request button on the application form image display screen, the terminal control unit 51 stores the application form image in the terminal temporary storage unit 20. Then, the terminal control unit 51 causes the terminal reading unit 48 to read the account information including the store number, the subject number, and the account number, the seal image and the signature image, and the application form image from the terminal temporary storage unit 20, The terminal communication unit 23 transmits these data to the seal stamp server 44 (S118).

  In the seal server 44, when the server communication unit 35 receives the account information, the seal image, the signature image, and the application form image, the server control unit 53 receives the received seal number, signature image, and application form image, the received store number, The server information is stored in the server storage unit 52 in correspondence with the account information including the subject number and the account number (S119). As a result, as shown in FIG. 6, the server storage unit 52 stores the received seal image, signature image, and application form in correspondence with the store number “111”, the subject number “1”, and the account number “1111111”. The image is stored. The application form image includes a customer information image of customer information including the name, address, and telephone number of the customer “Taro Oki”, and a face photo image of the customer's face photo.

  Thereafter, the registration completion signal generated by the server generation unit 37 is transmitted from the seal server 44 to the terminal device 441 (S110), and the registered data is stored in the host storage unit 30 of the host computer 13 (S112). Since the operation is the same as that of the first embodiment, description of S110 to S112 is omitted. Thereby, the transaction processing system 40 ends the account opening, the seal image registration, and the application form registration process.

  As described above, in addition to imprinting the registered seal on the seal slip, the customer performs a signature, obtains the seal image and the seal slip image including the signature image, and obtains the seal image and the signature image from the seal slip image. By extracting and registering in the seal server, it is possible to further verify the signature in addition to the verification of the registered seal when executing the transaction process using the registered seal, thereby enhancing the security of the transaction process. In addition, by acquiring the application form image of the opening application form and registering it on the seal server, it is not necessary to store the opening application form at the sales office, and the customer's face photo is affixed to the application form. This makes it possible to refer the application form image to the seal server at the time of executing the transaction process, and to verify the identity by comparing the image with the face photo image, thereby further enhancing the security of the transaction process.

  In this embodiment, the image data of the opening application form is read and registered in the seal server, but other documents submitted to the sales office when the account is opened are read and the image data of the document is stored in the seal server. It is also possible to register. Also in this case, since the image data of the document can be referred from the branch office terminal to the seal server, it is not necessary to store the document in the branch office, the data management becomes efficient and the convenience is improved. The

It is a block diagram which shows the structure of Example 1 of the transaction processing system which concerns on this invention. It is explanatory drawing which shows the structure of a host memory | storage part. FIG. 3 is an explanatory diagram illustrating a configuration of a server storage unit according to the first embodiment. It is a flowchart which shows operation | movement in Example 1 of the transaction processing system which concerns on this invention. It is a block diagram which shows the structure of Example 2 of the transaction processing system which concerns on this invention. It is explanatory drawing which shows the structure of the server memory | storage part of Example 2. FIG. It is a flowchart which shows operation | movement in Example 2 of the transaction processing system which concerns on this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Transaction processing system 11 Terminal device 13 Host computer 15 Seal server 16 Personal computer 17 Image scanner 19 Input part 22 Terminal generation part 23 Terminal communication part 28 Host communication part 30 Host storage part 32 Account number issuing part 35 Server communication part 36 Server storage Part 37 Server generation part

Claims (10)

A host computer arranged in a center of a financial institution and storing account information in the account for carrying out transaction processing on the customer's account; and a registration stamp of the customer arranged in the center and used for the transaction processing A transaction processing system including a seal server in which a seal image is stored, and a store terminal that is disposed in a store of the financial institution and can communicate with the host computer and the seal server,
The branch terminal is
An input unit for inputting customer information of the customer;
A terminal generator for generating an opening request for opening the account;
A terminal communication unit for transmitting the input customer information and the generated opening request to the host computer;
An acquisition unit that acquires the seal image by reading a seal slip on which the registered seal is imprinted;
The host computer receives the customer information and the opening request from the branch terminal;
An account number issuing unit for issuing an account number based on the received opening request;
A host storage unit for storing the received customer information in association with the issued account number;
A host transmission unit that transmits the issued account number to the branch terminal;
The terminal communication unit further transmits the seal image acquired by the acquisition unit and the account number received from the host computer to the seal server,
The seal server
A transaction processing system, further comprising: a server storage unit that stores the seal image received from the branch terminal in association with the received account number. The seal server generates a registration completion signal indicating that registration of the seal image corresponding to the account number has been completed, and the generated registration completion signal and the account number to the sales office terminal. A server transmission unit for transmitting,
In the sales office terminal, the terminal generation unit further generates a registered notification for notifying that the seal image has been registered in the seal server based on the registration completion signal received from the seal server, The terminal communication unit further transmits the generated registration notification and the account number received from the seal server to the host computer,
In the host computer, the host receiving unit further receives the registered notification and the account number from the branch terminal, and the host storage unit further receives the registered data indicating the registered. The transaction processing system according to claim 1, wherein the transaction processing system is stored in correspondence with each other.   The transaction processing system according to claim 1, wherein the branch office terminal includes a terminal device having a personal computer, and the acquisition unit includes an image scanner connected to the personal computer. The seal slip has a form,
The acquisition unit acquires a seal slip image of the seal slip including the seal image,
2. The transaction according to claim 1, wherein the branch office terminal further includes a form storage unit that stores the form in advance, and an extraction unit that extracts the seal image from the seal form image based on the form. Processing system.   The seal slip further includes a signature of the customer, the seal slip image further includes a signature image of the signature, and the extraction unit further extracts the signature image from the seal slip image, and the terminal communication The unit further transmits the extracted signature image to the seal server, and the server storage unit further stores the signature image received from the branch terminal in association with the account number. The transaction processing system according to claim 4.   The acquisition unit further acquires an application form image including a customer information image by reading an opening application form for opening the account in which the customer information is described, and the terminal communication unit further acquires the application 2. The transaction process according to claim 1, wherein a paper image is transmitted to the seal server, and the server storage unit further stores the application paper image received from the sales office terminal in association with the account number. system.   The transaction processing system according to claim 6, wherein the customer information includes a name of the customer.   The transaction processing system according to claim 6, wherein the customer information includes an address of the customer.   The transaction processing system according to claim 6, wherein the customer information includes a telephone number of the customer. The transaction processing system according to claim 6, wherein the opening application form further includes a face photograph of the customer, and the application form image further includes a face photograph image of the face photograph.

Images