JP2008083823A - Contract acceptance terminal and contract system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To sharply reduce the labor of the operation of a customer during the procedure of contract reapplication, and to prevent a chance to invite the new customer from being missed by preventing the customer from giving up contract reapplication. <P>SOLUTION: In the case of contract application, a contract acceptance terminal 11 transmits the image of the customer photographed by a camera 2 in the case of contract application, the image of a document or identification card acquired by a scanner 3, and the identification information of the customer as information for contract examination to a contract management server 13, and in the case of contract reapplication, the contract acceptance terminal 11 transmits the identification information acquired from the customer in the case of contract reapplication to the contract management server 13. Thus, information for correction is acquired from the customer, based on information showing deficient content transmitted form the server 13. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a contract reception terminal for a financial institution such as consumer finance, credit sales, credit, and bank, and a contract system including the contract reception terminal.

When using consumer finance, a customer (user) needs to sign a contract with the financial institution and receive a card for borrowing or repayment of cash.
As a system for issuing such a contract or card, for example, there is an unmanned contract system disclosed in Patent Document 1, and this unattended contract system is an unmanned customer operation system installed in a store or a convenience store of a financial institution. A contract terminal (contract acceptance terminal) and an operator terminal installed at the center of the financial institution are provided.

  In the contract, the operator who operates the operator terminal corresponds to the customer who operates the unattended contract terminal, and the document such as the application form read by the reading means of the unattended contract terminal, the image data of the identification card, and the photographing means The customer images are sent to the operator terminal sequentially, and the operator confirms the contents at the operator terminal. At the center, the customer's credit information is examined. If the customer passes the examination, the customer enters a contract with the necessary information. A contract is made by reading the reading means of the unattended contract terminal.

When the PIN entered by the customer at the unattended contract terminal is sent to the operator terminal, the operator sends the PIN number and account data from the operator terminal to the host for registration, and then the account data from the operator terminal to the unattended contract terminal. Etc., the unattended contract terminal notifies the customer that the contract has been completed and issues a card.
Customers can use this card to borrow or repay cash using ATM (automatic transaction equipment).
JP 2004-326504 A (paragraphs “0038” to “0046”, FIG. 1)

  In the above-described system, since it takes a long time for the customer to receive the card after starting the application for the contract, not only the customer is restrained for a long time but also the center operator is long for one customer. Because of the time-constrained and inefficient efficiency, recently, procedures such as scanning the customer's completed application forms and identification documents with the scanner of the unattended contract terminal and photographing the customer's image with the photographing means. To obtain image data etc. necessary for review, and store it in the server as contract review information, so that the customer's contract application process is terminated and the contract review information stored in the server is later stored in the operator terminal. There has been considered a method of distributing and letting the operator examine and notify the customer of the examination result by telephone or the like.

  However, according to this method, if there are incomplete entries in documents such as application forms, identification images, or customer images, etc., and the customer is informed of the result of the examination that cannot be contracted, the customer You will be applying for a contract, but in that case, you will have to start all the operations of the contract application from the beginning, such as filling in documents such as application forms, reading the completed documents, reading identification cards, taking images, etc. Therefore, there arises a problem that the burden on the customer increases.

In addition, since a series of operations for contract application must be performed from the beginning, there is a risk that the customer may abandon the application again because he dislikes the annoyance, and as a result, he misses the opportunity to acquire a new customer. There is also a problem.
An object of the present invention is to solve such a problem.

  Therefore, the contract reception terminal of the present invention includes a display input unit that can display information to the customer and can input information by the customer, a photographing means for photographing the customer image, a document such as a contract application form, and an identification card. Image acquisition means for acquiring the image as an image, the customer image taken by the imaging means at the time of applying for a contract, the image of the document acquired by the image acquisition and the image of the identification card are transmitted to the server as contract examination information, and the contract re- By transmitting the identification information acquired from the customer at the time of application to the server, the correction information is acquired from the customer based on the information indicating the content of the defect sent from the server.

In the present invention as described above, when the contract review information acquired from the customer at the contract reception terminal is incomplete and the customer is notified of the review result indicating that the contract is not possible, the customer who applies for the contract again will receive all of the contract applications. There is no need to redo the operation from the beginning, and only the incomplete information can be entered at the contract reception terminal, which can greatly reduce the burden on the customer and reduce the burden on the customer. By reducing the size, the customer is less likely to give up the contract application again, and as a result, it is possible to reduce the possibility of missing a new customer acquisition opportunity.

  Hereinafter, embodiments of a contract receiving terminal and a contract system according to the present invention will be described with reference to the drawings.

FIG. 1 is a system configuration diagram showing an embodiment.
As shown in this figure, the present contract system includes a contract reception terminal 11 installed in a financial institution store, a convenience store, etc., a contract management server 13 and an operator terminal 15 provided in the contract center, and a management center. The host computer 16 is provided, and an ATM 18 for borrowing repayment is installed in a financial institution or convenience store.

The contract reception terminal 11 and the contract management server 13 are connected via a communication line 12 such as a public network, the contract management server 13 and the operator terminal 15 are connected via a connection line such as a LAN, and the contract management server. 13 and the host computer 16, and the host computer 16 and the ATM 18 are connected via a dedicated line.
Although only one contract reception terminal 11 is shown in the figure, for example, a plurality of contract reception terminals 11 are connected to the contract management server 13 via the communication line 12 installed in a certain area.

  The contract reception terminal 11 is provided with a substantially L-shaped customer-facing surface at the upper part of the front surface, and the display input unit 1, the camera 2 as a photographing means, the card issuing slot 9, and a card insertion (not shown) in the vertical surface portion A mouth, a speaker are provided, and a scanner 3 with a lid, which is an image acquisition means, is provided on the horizontal surface portion of the customer service surface. Below the scanner 3 is a box of a box provided in the contract reception terminal 1. A mailing slot 10 is located.

  The contract management server 13 has a contract database (DB) 14, and although not shown, the contract management server 13 includes a storage unit, a communication unit, and a control unit that store a control program for controlling the operation of the entire contract management server. The control unit has a function of communicating with the contract receiving terminal 11, the host computer 16, and a credit agency computer (not shown) by the communication unit according to the control unit program stored in the storage unit to exchange information. is doing.

  In the present embodiment, the contract DB 14 accumulates and stores information sent from the contract receiving terminal 11 and the like, and documents such as consent forms, application forms, contracts or identification cards and customer images in the contract review. Is used as a contract information storage unit that stores the customer identification information (for example, a card number) and the details of the defect in association with each other. The layout information for inputting the location is stored.

  The host computer 16 has a registration database (DB) 17 as a registration unit for accumulating and registering card numbers and passwords sent from the contract management server 13 and information such as loans and repayments sent from the ATM 18. Although not shown, the host computer 16 also includes a storage unit that stores a control program for controlling the operation of the entire host computer 16, a communication unit, and a control unit. The control unit is stored in the storage unit. According to the control unit program, the communication unit communicates with the contract management server 13 to exchange information and the customer card number and password sent from the ATM 18 to confirm the identity and execute a loan or repayment transaction. It has a function.

  The ATM 18 is a device that allows a customer to borrow or repay cash using a card issued at the contract receiving terminal 11, and although not shown, a cash depositing machine and a dispensing machine, a deposit process and a withdrawal process, etc. Temporary storage unit for temporarily storing information input when performing, storage unit storing a control program for performing deposit processing and withdrawal processing, communication unit, and control unit program stored in the storage unit And a control unit that controls the depositing machine and the dispensing machine to perform deposit processing and withdrawal processing, etc., and communicates with the host computer 16 by the communication unit to exchange information.

FIG. 2 is a block diagram showing the configuration of the contract receiving terminal 11.
As shown in this figure, the contract receiving terminal 11 includes a display input unit 1, a camera 2, a scanner 3, a card issuing unit 4, a first storage unit 5, a second storage unit 6, a communication unit 7, and a control unit 8. , And a printer unit, a speaker, a card reading unit (card reader), and the like (not shown).
Here, the display input unit 1 includes a display unit such as an LCD and a touch panel as an input unit provided on the display unit. The display unit 1 includes a screen on which a message for guiding a customer's operation is arranged on the display unit and various inputs. By displaying the key and pressing the input key with a finger on the touch panel, the information defined in the input key can be input. The input information, the image of the document read by the scanner 3, etc. Display is also performed.

The camera 2 is a photographing means for acquiring a customer's face image, the scanner 3 is a reading means for reading documents such as an application form and an identification card, and the scanner 3 in this embodiment opens the cover by hand. A type is used in which a document is placed on a glass plate, set by closing the cover, and after reading, the cover is opened by hand, and the document is taken out, but this is not a limitation.
The card issuing unit 4 issues, for example, a card for repayment by borrowing cash.

The first storage unit 5 stores a control program for controlling the operation of the entire contract receiving terminal when a customer makes a contract, screen data of a screen displayed on the display input unit 1, and the like.
The second storage unit 6 stores a customer image taken by the camera 2, a document image read by the scanner 3, information input by the customer using the display input unit 1, and the like.
The communication unit 7 communicates with the contract management server 13 of the contract center, and the control unit 8 displays a necessary screen on the display input unit 1 according to the control unit program stored in the first storage unit 5. In addition, it has a function to output a sound such as a product description from a speaker, to control acquisition of information for contract review with a customer and a card issuance process, and to exchange information with the contract management server 13 by the communication unit 7. is doing.

The effect | action of the structure mentioned above is demonstrated with reference to FIGS.
In the following description, the operation of the contract receiving terminal 11 is controlled by the control unit 8 based on the control unit program stored in the first storage unit 5 as described above, and the contract management server 12, operator terminal 15, the operations of the host computer 16 and the ATM 18 are controlled by a control unit (not shown) based on a program (software) stored in a storage unit (not shown).

In addition, documents such as consent forms, application forms, and contracts used in the following description are all prepared near the contract reception terminal 11, and the customer takes these documents in advance and faces the contract reception terminal 11. .
FIG. 3 is a flowchart showing an operation example of the contract receiving terminal 11 at the time of applying for a contract. The operation example will be described below in accordance with steps indicated by S in this flowchart.
S1: On the screen displayed on the display input unit 1 of the contract receiving terminal 11, buttons for selecting “first contract application”, “reapply contract”, and the like are displayed. When a user applies for a contract by pressing the “first contract application” button with a finger, the product to be contracted is first explained.

For example, the loan limit amount, loan repayment period, interest rate, one-time repayment amount, late payment, etc. are displayed on the display input unit 1 and a sound explaining the display contents is output from a speaker (not shown).
S2: After the product description, the image of the consent form is acquired as follows.
That is, a signature screen for a consent form, a seal (only a signature is acceptable) and a guidance screen for prompting the user to set the scanner 3 are displayed on the display input unit 1 and a voice for guiding the operation is output from a speaker (not shown).

This agreement is a content that requires the customer's personal information acquired during this agreement to be used by the financial institution operating the system, and the customer signs and seals the agreement. When the setting completion button on the display screen is pressed, the image of the consent form is read by the scanner 3 and displayed on the display input unit 1.
The customer looks at the image of the consent form displayed on the display input unit 1 to check whether there is any mistake in the signature, etc. If there is no mistake, press the confirmation button on the display screen with a finger. Press the cancel button.

Here, when the cancel button is pressed, a guidance screen prompting the user to correct the mistake and reset the consent form is displayed on the display input unit 1 and a voice for guiding the operation is output from a speaker (not shown).
As a result, when the customer takes out the consent form from the scanner 3 and corrects the mistake and resets it, when the set completion button is pressed, the image of the consent form is read by the scanner 3 and the image is displayed on the display input unit 1. The customer looks at the image of the application form displayed on the display / input unit 1 and confirms again whether there are any mistakes or omissions in the written contents.

Note that this consent form is not a form, but a screen of a written consent form in a formatted document is displayed on the display / input unit 1 to confirm the contents of the consent form, and the name of the customer is displayed by displaying a character key. It is also possible to input using the touch panel of the input unit 1, and the customer confirms it and presses the confirmation button.
When the confirmation button is pressed, the image of the consent form (paper or display format) is stored in the second storage unit 6 and the acquisition of the consent form ends.

Thereafter, guidance for prompting the user to put the consent form into the posting box is given by display or voice, and the customer puts the consent form into the posting box from the posting port 10.
S3: Next, the customer's identity image is acquired.
This is because the customer's face is photographed by the camera 2, the face image is displayed on the display input unit 1, the customer confirms it, and the confirmation button in the display screen is pressed with a finger. The image is stored in the second storage unit 6.

When the customer confirms and presses the cancel button on the display screen, the image is taken again and the same processing is executed.
S4: When the acquisition of the customer's identity image is completed, the application image and the contract image are acquired.
First, a guidance screen for prompting entry of an application form and setting to the scanner 3 is displayed on the display input unit 1, and a voice for guiding the operation is output from a speaker (not shown).

The customer fills in the application form according to this guidance, sets the application form on the scanner 3, and presses the set completion button on the display screen. 1 is displayed on the screen.
The customer looks at the image of the application form displayed on the display input section 1 to check if there are any mistakes or omissions, and if there are no deficiencies, presses the confirmation button on the display screen with his finger. If there are any deficiencies, press the cancel button.

  Here, when the cancel button is pressed, a guidance screen prompting the user to correct and reset the application form is displayed on the display input unit 1 and at the same time, a voice for guiding the operation is output from a speaker (not shown). To do. As a result, when the customer takes out the application form from the scanner 3 and corrects and resets the entry contents, when the set completion button is pressed, the image of the application form is read by the scanner 3 and displayed on the display input unit 1. Looking at the image of the application form displayed on the input unit 1, the customer confirms again whether there are any errors or omissions in the contents of the entry.

When the confirmation button is pressed, the image of the application form is stored in the second storage unit 6.
Subsequently, a signature screen for a contract, a seal (only a signature is acceptable) and a guidance screen for prompting the scanner 3 to be set are displayed on the display input unit 1 and a voice for guiding the operation is output from a speaker (not shown).
This contract contains the same contents as the above-mentioned product description and the contract items such as the responsibility of both the financial institution and the customer. The customer signs and seals the contract, sets it on the scanner 3 and displays it. When the set completion button in the screen is pressed, the same processing as in the case of the above-described consent document is performed, the contract image is stored in the second storage unit 6, and the acquisition of the application form and the image of the contract ends. .

This application form and contract are also put into the box by the customer in the same way as the consent form.
S5: Subsequently, the image of the identification card is acquired in substantially the same manner as in the case of the application form or contract. That is, a guidance screen for prompting the user to set the identification card on the scanner 3 is displayed on the display input unit 1 and a voice for guiding the operation is output from a speaker (not shown).
With this guidance, the customer sets an identification card such as a driver's license, passport or social insurance card on the scanner 3 and presses the set completion button on the display screen, and then the scanner 3 reads the image of the identification card. A screen is displayed on the display input unit 1.

The customer confirms by looking at the image of the identification card displayed on the display input unit 1, and if it is normal, presses the confirmation button on the display screen with a finger, and presses the cancel button when an incorrect document is set. .
Here, when the cancel button is pressed, a guidance screen prompting the user to set the identification card again is displayed on the display input unit 1 and a voice for guiding the operation is output from a speaker (not shown). As a result, when the customer takes out the wrong document from the scanner 3 and sets the correct identification card and then presses the set completion button, the image of the identification card is read by the scanner 3 and displayed on the display input unit 1. Check to see.
S6: When the confirmation button is pressed, the image of the identification card is stored in the second storage unit 6, and then the customer contact information and attribute information are acquired.

  For the acquisition of contact information and attribute information, a screen for entering the telephone number, family structure, asset status such as whether the house is owned or rented, the company name of the company where the company is working, the occupation, the years of service, etc. While displaying the screen on the display input unit 1 and outputting a voice for guiding the operation from a speaker (not shown), the customer presses the character key in the display screen with the touch panel of the display input unit 1 to sequentially contact information and attribute information. Let them enter.

The input information is displayed in the corresponding field on the screen. After the input is completed, when the customer confirms the input content and presses the confirmation button on the screen, the input contact information and attribute information are stored in the second storage unit. 6 is stored.
Note that the contact information and attribute information may be entered in a predetermined document and read by the scanner 3. In this case, the read document is put into a posting box.
S7: Next, a password is set by the customer.

In this case, a screen for inputting a password such as a personal identification number when the customer uses the ATM 18 is displayed on the display input unit 1, and a voice for guiding the operation is output from a speaker (not shown). As a result, the customer presses the character key on the display screen with the touch panel of the display input unit 1 to input the password.
After the input, when the customer presses a confirmation button on the screen, the input password is stored in the second storage unit 6.
S8: Thereafter, a card is issued to the customer.

  In issuing the card, one card is drawn out from the card storage means of the card issuing unit 44, and the card number recorded on the magnetic stripe of the card is read by the magnetic head. The card number, the card usage method, and the like are printed on a receipt by a printer (not shown) and issued to a customer.

The card number read here is stored in the second storage unit 6 as customer identification information.
This completes the processing for the customer, but after issuing the card, the customer's image stored in the second storage unit 6, images of each document (consent form, application form, contract, and ID card), contact The contract management server of the contract center through the communication line 12 from the communication unit 7 as the contract review information for reviewing whether or not the contract with the customer is read by reading information such as the destination and attribute information, card number, password, etc. 13 and stored in the contract DB 14.

FIG. 4 is a flowchart showing an operation example at the time of contract examination. The operation example will be described below in accordance with the steps indicated by S in this flowchart.
S11: When the business starts at the contract center, the contract management server 13 creates a list of unprocessed contract examination information stored in the contract DB 14 and distributes it to each operator terminal 15, and the operator terminal 15 receives the distribution. A list of contract review information is displayed on the display section.
S12: The operator who operates the operator terminal 15 designates contract examination information to be processed by looking at the list displayed on the display unit using an input means such as a keyboard or a mouse, whereby the contract management server 13 designates the designated contract examination. The service information is read from the contract DB 14 and transmitted to the corresponding operator terminal 15.
S13: At the operator terminal 15, the operator confirms the contents of the contract examination information and examines whether or not the contract is possible by communicating with the computer of the credit information agency.

  That is, the operator operates the operator terminal 15 to display the customer image as the contract examination information on the display unit, the image of each document (consent form, application form, contract form, and identification card), contact information and attribute information. Are displayed sequentially, the contents of the description are confirmed, whether or not there are omissions or mistakes, etc., are further communicated with the computer of the credit information agency, and the trust is inquired based on the customer attribute information.

Based on these results, the operator determines whether or not the contract is possible, that is, whether or not the contract is possible, and notifies the contract management server 13 of the result as an examination result. In this case, the agreement, application, contract, If the result of the examination cannot be contracted due to incomplete information for contract examination, such as omissions or mistakes in the contents of the attribute information, or the customer's image or identification image being unclear, etc. Information indicating the contents is also added to the examination result and notified to the contract management server 13.
S14: The contract management server 13 registers the contract approval / disapproval result notified from the operator terminal 15 in the contract DB 14 in addition to the contract screening information of the customer.
S15: If the result of examination of whether or not the contract is sent from the operator terminal 15 is acceptable, the contract management server 13 reads out the corresponding card number and password from the contract DB 14 and transmits them to the host computer 16, and the host computer. 16 registers the received card number and password in the registration DB 17, so that a customer having a card with the registered card number can use the card and password to repay the cash at the ATM 18.

On the other hand, the operator who determines whether the contract is possible or not notifies the customer of the determination result by telephone based on the contact information of the contract examination information. This notification also serves as identity verification when the examination result is contractable, and the operator then confirms the contents of the attribute information by telephone again.
In addition, it is determined that the contract is not possible due to incomplete contents such as omissions or mistakes in the consent form, application form, or contract document of the contract review information, or the customer's image or identification image is unclear. In such a case, the customer is notified to bring the issued card or receipt to the contract application procedure again, and the incomplete contents registered in the contract DB 14 are also notified.

FIG. 5 is a flowchart showing an operation example of the contract receiving terminal 11 at the time of re-application for the contract. The operation example will be described below in accordance with the steps indicated by S in this flowchart.
S21: On the screen displayed on the display input unit 1 of the contract reception terminal 11, buttons for selecting “first contract application”, “reapply contract”, and the like are displayed. When the user re-applies the contract by pressing the “Re-apply contract” button with his / her finger, the control unit 8 of the contract receiving terminal 11 provides a message and a numeric key prompting insertion of the card issued at the time of applying for the first contract. A card number input screen on which a guidance screen or a message prompting to input a card number and numeric keys are arranged is displayed on the display input unit 1.
S22: When this screen is viewed, the card brought by the customer is inserted into the card insertion slot of the card reading unit, or when the card number printed on the receipt is input on the display input unit 1, the control unit 8 inputs the card. A request for information relating to the number or the card number read by the card reading unit and the defect is transmitted from the communication unit 7 to the contract management server 13 of the contract center via the communication line 12.
S23: When the contract management server 13 receives a request for information relating to the card number and deficiency from the contract receiving terminal 11, the contract management server 13 searches the contract DB 14 for information indicating the deficiency content based on the card number, and further, the deficiency content is determined. If the document is not an ID, customer image, or attribute information, that is, if it is related to a deficiency in an agreement, application, or contract, the layout information of the document corresponding to the deficiency is also searched, along with information indicating the content of the deficiency It transmits to the contract reception terminal 11.

However, if there is only one item of information to be reacquired for a document corresponding to a deficiency, only the layout information for that information item is retrieved from the contract DB 14 and transmitted to the contract acceptance terminal 11 and reacquired. When there are a plurality of items to be processed, layout information for all items is retrieved from the contract DB 14 and transmitted to the contract receiving terminal 11. For example, when re-acquiring only the “address” or “name” of the application form, search the layout information of single items such as “address” and “name”, and search for “address” and “name”. When re-acquiring a plurality of pieces of information, the layout information for all items is retrieved and transmitted to the contract receiving terminal 11.
S24: When the contract receiving terminal 11 receives information from the contract management server 13, the main control unit 8 acquires correction information according to the incomplete contents.

For example, if the content of the deficiency is an identification card, a guidance screen that prompts the user to set the identification card on the scanner 3 is displayed on the display input unit 1 and a voice for guiding the operation is output from a speaker (not shown). The image of the identification card is acquired as correction information by the scanner 3 in the same procedure as that for the initial contract application.
If the deficient content is a customer image, the customer's face is photographed by the camera 2 and the image is acquired as correction information.

  In addition, if the contents of the deficiency are items to be entered in the consent form, application form, or contract form, based on the received layout information, the items to be entered by a printer (not shown) are printed on a predetermined sheet and discharged to the customer. In this case, for example, if the incomplete document is an application form, and the information to be reacquired is a single item such as “address” or “name”, print the item to enter the “address” or “name”. If there is more than one piece of information that should be discharged and reacquired, all items of the document can be printed, and unnecessary items can be masked by shading or coloring to easily identify items that need to be filled in Like that.

At the same time, a guidance screen that prompts the user to enter correction information in the printed item and set it to the scanner 3 is displayed on the display input unit 1, and a voice for guiding the operation is output from a speaker (not shown). Accordingly, when the customer enters correction information and sets the paper in the scanner 3, the scanner 3 reads and acquires the correction information written on the paper.
S25: The acquired correction information is transmitted together with the card number from the communication unit 7 to the contract management server 13 of the contract center via the communication line 12, and the contract review information corresponding to the card number stored in the contract DB 14 is used. After being added and stored, it is delivered to the operator terminal 15 and examined again by the operator. In the examination in this case, it is confirmed whether or not the correction information is correct. If it is correct, it is determined that the contract is possible.

The examination result is notified to the same customer as described above, and if there is any deficiency in the correction information acquired in this examination, the contents of the deficiency are notified and the contract re-application process is performed.
According to the embodiment described above, the customer image obtained from the customer at the contract reception terminal, the image of the ID card, and each document (consent form, application form, etc., contract, ID card) If there are incomplete items and the customer is informed of the result of the review that the contract cannot be accepted, the customer who applies for the contract again does not need to repeat all the operations of the contract application from the beginning. Can be done at the contract acceptance terminal, which can greatly reduce the burden on the customer, and the customer's burden is reduced, so the customer is less likely to give up the contract application again, As a result, it is possible to reduce the chance of missing a new customer acquisition opportunity.

Further, since the examination of the operator after obtaining the correction information is only confirmation of the correction information, an effect of reducing the burden on the operator can be obtained.
In the above-described embodiment, it has been explained that the contract acceptance terminal 1 obtains the contract review information in the order of consent form, customer image, application form, contract form, identification card, contact information and attribute information, and password. However, the present invention is not limited to this, and it may be acquired in any order.

Further, although the card issued at the contract receiving terminal 11 is a card with a magnetic stripe, it may be an IC card or NS card.
Further, in the above-described embodiment, the layout information of the document such as the application form is stored in the contract DB 14 managed by the contract server 13 installed in the contract center, but is stored in the first storage unit 5 of the contract terminal 11 or the like. It is also possible to store and receive only incomplete content from the contract server 13.

  Furthermore, in the above-described embodiment, the application for a contract for a new customer has been described.

System configuration diagram showing an embodiment Block diagram of contract acceptance terminal Flow chart showing the operation of the embodiment Flow chart showing the operation of the embodiment Flow chart showing the operation of the embodiment

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Display input part 2 Camera 3 Scanner 4 Card issuing part 5 1st memory | storage part 6 2nd memory | storage part 7 Communication part 8 Control part 11 Contract reception terminal 13 Contract management server 14 Contract database 15 Operator terminal 16 Host computer 17 Registration database 18 ATM

Claims (5)

A display input unit that displays information to the customer and allows the customer to input information, a photographing means for photographing the customer's image, and an image acquisition means for obtaining a document such as a contract application form and an identification card as an image ,
The customer image taken by the photographing means at the time of applying for the contract, the image of the document or identification card obtained by the image acquiring means, and the customer identification information are transmitted to the server as contract examination information, and the customer at the time of reapplying the contract. A contract acceptance terminal characterized in that the information for correction is acquired from the customer based on the information indicating the content of the defect sent from the server by transmitting the identification information acquired from the server to the server. The contract reception terminal according to claim 1, a server having a contract information storage unit, and an operator terminal,
The contract management server stores the contract examination information received from the contract acceptance terminal in the contract information storage unit and sends it to the operator terminal, and is sent from the operator terminal together with the examination result indicating that the contract is not possible. When the contract information storage unit stores information indicating the content of the defect in the contract examination information and receives customer identification information from the contract reception terminal, the content of the defect corresponding to the identification information is stored in the contract information storage unit. A contract system that reads and transmits the contract to the contract reception terminal. In the contract system according to claim 2,
The document layout information is held in either the contract reception terminal or the contract management server,
If the content of the contract review information is an entry in the document, the entry is printed on a sheet based on the layout information on the contract reception terminal and discharged to the customer. A contract system characterized in that an image acquisition means acquires an image of a form on which information is entered. In the contract system according to claim 3,
A contract system characterized in that when the correction information to be acquired is a single item, only the entry items are printed on paper and discharged to the customer. In the contract system according to claim 3,
A contract system characterized in that when there are a plurality of pieces of correction information to be acquired, all entries of the document are printed on a sheet, and unnecessary items are printed and discharged to the customer.