JP2009237658A - Office terminal, payment method and payment program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To prevent tellers from misappropriating cash brought in by customers. <P>SOLUTION: A request form processing part 60 of an office terminal 4 is positioned so as to be operated by a teller, and reads written contents including a payment amount from a transfer request form 1 filled in by a customer. A customer side money receipt/payment slot 72 receives the input of cash media as a payment object brought in by the customer. A cash counting part 74 machanically counts the cash media input into the customer side money receipt/payment slot 72 to determine the input amount. A customer side confirmation part 75 displays the input amount determined by the cash counting part 74 and the payment amount on a customer side display for the customer's confirmation. A transfer processing part 80 executes a transfer process after the confirmation. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a branch terminal, a payment method, and a payment program.

  A financial institution's branch office accepts tax money storage transactions for cash brought by customers. At the counter of the sales office, a bank employee who performs the counter service responds to the customer, receives a payment request form in which the amount of payment is described, and cash to be paid, and performs a storage transaction.

Patent Documents 1 and 2 disclose a window terminal having a deposit / withdrawal port on each of a clerk side and a customer side. Thereby, labor saving of work is supported.
Patent Document 3 discloses an apparatus that prints an actual amount that a customer has traded in order to prevent falsification of the amount described in the payment request form.
Patent Document 4 discloses an apparatus for causing a bank employee to check the amount of a payment request form and the amount of money stored.
Japanese Patent Publication No. 07-019300 Japanese Patent Publication No. 07-019301 JP 2002-279493 A JP 2003-162643 A

  The conventional technology is based on the premise that the customer is the only person who conducts fraudulent activities, so that counter measures against fraudulent acts by the counter attendants are insufficient.

The counter employee carries out storage transactions according to the following procedure.
(1) Deposit payment request form and cash from customers.
(2) The stored cash is stored and the balance of the storage account is updated.
(3) Return the receipt and change separated from the payment request form to the customer.
However, if the procedure (2) is omitted due to the fraudulent act of the counter attendant or intentionally, the customer is unaware of the fraudulent act. As a result, there was a situation in which the cash deposited at the counter was left behind and was hidden by the counter.

  Many financial institutions share storage transactions with multiple bank employees. The counter attendant interacts directly with the customer what is left from the customer and what is handed to the customer. The clerks behind the counter attend the storage transaction business at the request of the counter attendant. At this time, the procedure (2) performed by the office clerk is not performed without a request from the counter clerk. Therefore, it is difficult for the clerks to recognize the fraudulent acts of the counter clerks.

  Therefore, the main object of the present invention is to solve the above-mentioned problems and prevent fraudulent behavior of a counter employee for cash brought by a customer.

In order to solve the above problems, the present invention is a branch terminal operated on both the customer side and the clerk side of the window,
The branch terminal has a request form processing unit, a deposit / withdrawal unit, and a transfer processing unit,
The request form processing unit is installed at a position where it can be operated with respect to a bank clerk, and reads the description including the payment amount from the payment request form entered by the customer,
The deposit / withdrawal unit is installed at a position operable for a customer, and includes a shutter control unit, a customer side deposit / withdrawal port, a cash counting unit, a customer side confirmation unit, a customer side display device, and a customer side An input device and a safe unit;
The shutter control unit opens the shutter of the customer-side deposit / withdrawal port after the request processing unit reads the description content,
The customer-side deposit / withdrawal port accepts the input of a cash medium to be paid by the customer,
The cash counting unit obtains the input amount by mechanically counting the cash medium inserted into the customer-side deposit / withdrawal port,
The customer side confirming unit causes the customer side display device to display the input amount and the paid-in amount acquired by the cash counting unit, and confirms the confirmation from the customer. When the confirmation operation is received through the customer side input device, the change corresponding to the amount obtained by subtracting the input amount from the paid amount is returned to the customer via the customer side deposit / withdrawal port, and the input is made The stored cash medium is stored in the safe unit,
The transfer processing unit is installed at a position operable for a bank clerk, and requests the core host device that manages the payee's account to transfer the amount of the payable amount to the payee's account; Features.
Other means will be described later.

  ADVANTAGE OF THE INVENTION According to this invention, the fraudulent act of the window attendant with respect to the cash which a customer brings can be prevented.

  Hereinafter, an embodiment of a sales office system to which the present invention is applied will be described in detail with reference to the drawings. The sales office system is applied to, for example, a financial institution that stores tax public money or a convenience store that stores public charges.

FIG. 1 is an explanatory diagram showing an example of a payment request form used for storage work.
The payment request form 1 is a payment request form 1 in a predetermined format issued by a paying institution (financial institution, public institution, local government, etc.). Examples of payment targets include taxes, utility charges, and various mutual aid contributions. Can be mentioned. The payment request form 1 is composed of a notice 1a and a receipt 1b that can be separated along a cutoff line.
The notice 1a is a document stored in a financial institution after payment is made. The notification form 1a has a printing column for a transaction number (details will be described later) and a printing column for a terminal number (details will be described later).
The receipt 1b is a document that is returned to the customer after payment has been made. The notice 1a is classified into a post office or a convenience store depending on the type of the store that performs payment.

FIG. 2 is a configuration diagram of the sales office system. The sales office system is installed at the main system 2 outside the sales office shared by a plurality of sales offices, the sales office server 3 installed at each sales office, and one per salesperson (operator) at the sales office. Are connected to each other through a network.
Each device of the sales office system (the backbone host device 2, the sales office server 3, and the sales office terminal 4) is configured as a computer. The computer includes at least a memory serving as storage means used when performing arithmetic processing, an arithmetic processing device that performs the arithmetic processing, and communication means for communicating with other devices. The memory is constituted by a RAM (Random Access Memory) or the like. The arithmetic processing function is realized by an arithmetic processing device configured by a CPU (Central Processing Unit) executing a program on the memory.

  The backbone host device 2 performs a transfer process in response to an instruction from the store terminal 4. Specifically, the core host device 2 adds the amount received to the balance of the account of the payee organization, and specifies the specific information of the customer who has been authenticated against the deposit / withdrawal history of the account of the payee organization. Record as a depositor and issue a transaction number that is uniquely assigned for each transfer process.

The branch office server 3 manages information related to the transfer process in the payment database 31. The payment database 31 shown in Table 1 manages the transaction number, transaction date and time, payment details, payment amount, notification image, and receipt image in association with each other.
The transaction number is a number issued for each transaction (transfer process) from the core host device 2.
The transaction date and time indicates the date and time when the transaction was performed.
The payment content indicates the content of payment in the transaction. Based on the contents of the payment (for example, automobile tax), the payee organization (for example, the automobile tax office) can be specified.
The payment amount indicates the amount to be paid. This paid-in amount is the amount of cash brought by the customer, and is the amount that the customer has confirmed the measurement results, not the bank employee.
The notice image is an image image file indicating the notice 1 a of the payment request document 1.
The receipt image is an image image file showing the receipt 1b of the payment request form 1.

  It should be noted that the data stored in the payment database 31 is appropriately deleted or a secondary storage location (for example, a server for image filing, an optical disk, etc.) in accordance with the business regulations of the financial institution after a predetermined period after writing Etc. and may be moved to a warehouse etc.).

  The branch terminal 4 is installed at the counter where the customer and the employee face each other. The store terminal 4 has a period operated by a bank clerk and a period operated by a customer in the window process.

FIG. 3 is a configuration diagram of the store terminal 4 in the store system. The store terminal 4 includes a control unit 50 that controls the components of the store terminal 4, various input / output devices (input device 51, display device 52, printing device 53), and a request form for processing related to the payment request form 1. It has a processing unit 60, a deposit / withdrawal unit 70 that performs processing related to cash deposit / withdrawal, a transfer processing unit 80 for issuing a transaction number, and a number numbering unit 81 for issuing a terminal-side number.
The input device 51 is composed of, for example, a keyboard and a mouse.
The display device 52 includes, for example, a display monitor.
The printing device 53 is configured by a printer for printing the transaction number and the terminal side number on the payment request form 1.

The request form processing unit 60 includes a scanner 61, a description content recognition unit 62, a description content input unit 63, and a description content confirmation unit 64.
The scanner 61 reads the image of the payment request form 1 and stores it in the payment database 31.
The description content recognition unit 62 reads a barcode or QR (Quick Response) code described in the image image read by the scanner 61, or recognizes the print content or handwritten content of the image image by OCR (Optical Character Reader). .
The description content input unit 63 causes the employee to input information corresponding to the description content of the payment request form 1.
The description content confirmation unit 64 displays the image image of the payment request document 1 and the description content of the payment request document 1 side by side. The bank employee checks whether the image of the payment request form 1 and the description contents of the payment request form 1 are consistent based on the display contents. The description content of the payment request form 1 is the description content recognized by the description content recognition unit 62 and the description content input by the description content input unit 63. And the description content confirmation part 64 will instruct | indicate the start of cash insertion with respect to the deposit or withdrawal part 70, if the input to the effect of having been confirmed from the bank employee is received.

The deposit / withdrawal unit 70 includes a shutter control unit 71, a customer-side deposit / withdrawal port 72, a clerk-side deposit / withdrawal port 73, a cash counting unit 74, a customer-side confirmation unit 75, and a safe unit 76.
The shutter control unit 71 controls the opening / closing of the shutter of the deposit / withdrawal port (customer-side deposit / withdrawal port 72, clerk-side deposit / withdrawal port 73) in accordance with the timing of cash insertion. In other words, the shutter of the deposit / withdrawal port is opened at the start of cash insertion, and the shutter of the deposit / withdrawal port is closed at the end of the cash insertion.
The customer-side deposit / withdrawal port 72 is installed at a position where it can be operated by the customer so that the customer can deposit / withdraw.
The clerk-side deposit / withdrawal port 73 is installed at a position where it can be operated by the clerk so that the clerk can assist the customer's deposit / withdrawal operation.
The cash counting unit 74 mechanically counts the amount of cash inserted through the deposit / withdrawal port.
The customer side confirmation part 75 is installed in the position which can be operated with respect to a customer so that a customer can confirm the amount of money deposited. The customer side confirmation part 75 is comprised as a touchscreen which implements a display means and an input means on 1 screen, for example. The customer side confirmation unit 75 displays the designated amount described in the payment request form 1 and the input amount inserted through the deposit / withdrawal port. Further, the customer side confirmation unit 75 causes the confirmation on the customer side to be input by pressing an amount confirmation button (machine button or display button) for inputting the confirmation by the customer.
The safe unit 76 stores the cash inserted through the deposit / withdrawal port.

The transfer processing unit 80 communicates with the backbone host device 2 and transfers the deposited amount to the designated account of the payment request form 1. As a response to this transfer process, the transaction number notified from the backbone host device 2 is printed on the payment request form 1.
The number numbering unit 81 assigns, for each machine number of the sales office terminal 4, a serial number of several digits on the terminal side for specifying the date and time when the transfer process is performed.

  FIG. 4 is a flowchart showing the payment process. In this flowchart, the operation of one computer called the branch office terminal 4 is described separately for the customer side and the employee side. As a result, for each operation, it is clarified which operation is performed by the operation from which side.

First, the exchange between the customer and the clerk, which is performed as a preparation for the processing of FIG.
The customer brings the payment request form 1 in which necessary information is filled and the cash to be paid into the sales office, and waits in the lobby of the waiting area. When the customer is called from the bank employee at the window, the customer moves to the counter and hands over the payment request form 1 and the cash to be paid to the called bank employee.

Next, the bank clerk performs a simple check on the received payment request form 1 and the cash to be paid. In this window check, for example, the following items are checked, and if there is a problem, the customer is notified to urge correction. After passing the window check, the processing of FIG.
-Check whether the payment request form 1 conforms to the prescribed format.
-Check whether the amount of payment described in Payment Request Form 1 is appropriate.
・ Count the amount of cash received in front of customers and check for excess or deficiency. After the inspection, the customer himself / herself performs a deposit operation on the store terminal 4, so that the cash is returned from the bank employee to the customer.

First, the scanner 61 reads the payment request form 1 input from the bank employee, and acquires the image (S10).
Next, the request processing unit 60 acquires the description content from the acquired image (S12). Specifically, the description content recognition unit 62 recognizes the description content described in the image as data. The description content input unit 63 causes the employee to input the description content that could not be read by the description content recognition unit 62 or that had a reading error. The written content confirmation unit 64 causes the bank employee to check whether the image of the payment request form 1 and the written contents of the payment request form 1 are consistent.

Then, by the operation on the customer side, the deposit / withdrawal unit 70 accepts input of cash to be paid (S14). Specifically, it is as follows.
After S12, the shutter controller 71 opens the shutter of the customer-side deposit / withdrawal port 72 in order to prompt the customer to insert cash. In addition, in order to make a bank employee assist the insertion of cash, the shutter of not only the customer side deposit / withdrawal port 72 but also the bank side deposit / withdrawal port 73 is opened.
When the customer-side deposit / withdrawal port 72 (also the bank-side deposit / withdrawal port 73 as necessary) detects the insertion of cash, the customer-side deposit / withdrawal port 72 notifies the shutter control unit 71 to that effect. The shutter controller 71 receives the notification and closes the shutter.

The cash counting unit 74 mechanically counts the amount of cash inserted through the deposit / withdrawal port (S16).
The customer side confirmation unit 75 displays the specified amount described in the payment request form 1 and the input amount counted in S16 on the touch panel together, and confirms that the amount is correct from the customer. Confirmation is performed by the amount confirmation button to be pressed (S18).

  The safe unit 76 stores the cash medium confirmed by the customer (S20). If the input amount is greater than the specified amount, the change obtained by subtracting the specified amount from the input amount is returned to the customer via the customer side deposit / withdrawal port 72.

The transfer processing unit 80 communicates with the core host device 2 and transfers the deposited amount to the designated account of the payment request form 1 (S22). As a response to this transfer process, the backbone host device 2 notifies the transaction number.
The printing device 53 prints the notified transaction number on the designated portion (see FIG. 1) of the notification form 1a of the payment request form 1 (S24).
The branch terminal 4 outputs the printed payment request form 1 to the bank employee (S26).

  The bank employee stamps the receipt date stamp on the payment request form 1 that has been output, and then separates the notification form 1a and the receipt 1b of the payment request form 1 along the cutoff line, and sends the notification form 1a. Is stored at the sales office and the receipt 1b is handed to the customer.

  The processing in FIG. 4 has been described above. In the processing of FIG. 4, the bank employee performs operations related to the business of the sales office, while the customer performs operations related to cash insertion and confirmation. Thereby, since a bank employee does not touch a customer's cash, the fraudulent process with respect to the cash which the bank employee deposited can be prevented. Furthermore, the customer can easily confirm that the storing process is actually performed as the operation of the computer by directly operating the branch terminal 4.

  FIG. 5 is a flowchart showing the payment process and the matching process. Compared with FIG. 4, FIG. 5 includes S11 and S28, and S24 is replaced with S24b. Hereinafter, differences from FIG. 4 will be described.

First, after acquiring the image of the payment request form 1 (S10), the number numbering unit 81 numbers the terminal side number (S11). The terminal side number is a number issued for each transaction from the branch terminal 4. The number numbering unit 81 records the terminal-side number in the storage unit (not shown) of the store terminal 4 and also records it in the payment database 31 of the store server 3 shown in Table 2.
Compared with Table 1, the payment database 31 of Table 2 has a terminal number column added thereto. The terminal-side number is, for example, “A001-080312-0001”, and is configured by a combination of the store number “A001”, the issue date and time “080312”, and the serial number “0001”.

  Next, not only the transaction number (S24) but also the terminal number numbered in S11 is printed at a predetermined position (see FIG. 1) of the payment request form 1 as the contents to be printed on the payment request form 1. (S24b).

  Further, after S26 is completed and the business is finished after the receipt 1b is returned to the customer, the terminal side number of the payment request form 1 (notification 1a) is matched with the terminal side number of the payment database 31 (S28). ). In addition, the terminal side number of the notice 1a may be input from the description content input unit 63 as a number visually confirmed by the employee, or may be a number recognized by the description content recognition unit 62 as OCR. This makes it possible to detect fraudulent employees.

It is explanatory drawing which shows an example of the payment request document used for the storage business regarding one Embodiment of this invention. It is a block diagram which shows the branch office system regarding one Embodiment of this invention. It is a block diagram which shows the store terminal in the store system regarding one Embodiment of this invention. It is a flowchart which shows the payment process regarding one Embodiment of this invention. It is a flowchart which shows the payment process and matching process regarding one Embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Payment request form 1a Notification form 1b Receipt 2 Core host apparatus 3 Branch office server 4 Branch office terminal 31 Payment database 50 Control part 51 Input apparatus 52 Display apparatus 53 Printing apparatus 60 Request form processing part 61 Scanner 62 Description content recognition part 63 Description Content Input Unit 64 Description Content Confirmation Unit 70 Deposit / Withdrawal Unit 71 Shutter Control Unit 72 Customer Side Deposit / Withdrawal Port 73 Staff Side Deposit / Withdrawal Port 74 Cash Counting Unit 75 Customer Side Confirmation Unit 76 Safe Unit 80 Bank Transfer Processing Unit 81 Number Numbering Part

Claims (9)

A branch terminal operated on both the customer side and the employee side of the counter,
The branch terminal includes a request processing unit, a deposit / withdrawal unit, and a transfer processing unit,
The request form processing unit is installed at a position where it can be operated with respect to a bank clerk, and reads a description content including a payment amount from a payment request form entered by a customer,
The deposit / withdrawal unit is installed at a position operable for a customer, and includes a shutter control unit, a customer-side deposit / withdrawal port, a cash counting unit, a customer-side confirmation unit, a customer-side display device, and a customer-side An input device and a safe unit;
The shutter control unit opens the shutter of the customer-side deposit / withdrawal port after the request document processing unit reads the description content,
The customer-side deposit / withdrawal port accepts the input of a cash medium to be paid brought by the customer,
The cash counting unit obtains the input amount by mechanically counting the cash medium input to the customer-side deposit / withdrawal port,
The customer side confirmation unit displays the input amount and the paid amount acquired by the cash counting unit on the customer side display device, and confirms the confirmation by the customer and confirms the confirmation from the customer. When the confirmation operation is received through the customer side input device, the change corresponding to the amount obtained by subtracting the input amount from the paid amount is returned to the customer via the customer side deposit / withdrawal port, and the input is made The stored cash medium is stored in the safe unit,
The transfer processing unit is installed at a position operable for a bank clerk, and requests the core host device that manages the payee's account to transfer the amount of the payment to the payee's account. Characteristic branch terminal. The store terminal further includes a numbering unit and a printing device,
The numbering unit assigns a terminal-side number that uniquely identifies a transfer process related to the payment request document for each received payment request document, stores the number in the storage unit of the branch office terminal,
The branch terminal according to claim 1, wherein the printing device prints a terminal-side number assigned to the payment request form after the transfer process of the transfer processing unit is completed. The store terminal according to claim 1 or 2, wherein the customer side display device and the customer side input device are configured as a touch panel. The request processing unit
A scanner that reads an image of the payment request;
At least one of a reader device that recognizes a barcode or QR (Quick Response) code included in an image image read by the scanner, and an OCR (Optical Character Reader) recognition device that reads the printed content or handwritten content of the image image. A description content recognition unit that is one device;
A description content input unit that allows a clerk to input information corresponding to the description content of the payment request;
The image content of the said payment request document and the description content confirmation part which makes a bank member confirm whether the description content of the said payment request document is consistent, The 1st thru | or characterized by the above-mentioned. The branch office terminal according to claim 3. A payment method using a branch terminal operated on both the customer side and the clerk side of the counter,
The branch terminal includes a request processing unit, a deposit / withdrawal unit, and a transfer processing unit,
The request form processing unit is installed at a position where it can be operated with respect to a bank clerk, and reads a description content including a payment amount from a payment request form entered by a customer,
The deposit / withdrawal unit is installed at a position operable for a customer, and includes a shutter control unit, a customer-side deposit / withdrawal port, a cash counting unit, a customer-side confirmation unit, a customer-side display device, and a customer-side An input device and a safe unit;
The shutter control unit opens the shutter of the customer-side deposit / withdrawal port after the request document processing unit reads the description content,
The customer-side deposit / withdrawal port accepts the input of a cash medium to be paid brought by the customer,
The cash counting unit obtains the input amount by mechanically counting the cash medium input to the customer-side deposit / withdrawal port,
The customer side confirmation unit displays the input amount and the paid amount acquired by the cash counting unit on the customer side display device, and confirms the confirmation by the customer and confirms the confirmation from the customer. When the confirmation operation is received through the customer side input device, the change corresponding to the amount obtained by subtracting the input amount from the paid amount is returned to the customer via the customer side deposit / withdrawal port, and the input is made The stored cash medium is stored in the safe unit,
The transfer processing unit is installed at a position operable for a bank clerk, and requests the core host device that manages the payee's account to transfer the amount of the payment to the payee's account. Characterized payment method. The store terminal further includes a numbering unit and a printing device,
The numbering unit assigns a terminal-side number that uniquely identifies a transfer process related to the payment request document for each received payment request document, stores the number in the storage unit of the branch office terminal,
The payment method according to claim 5, wherein the printing device prints a terminal-side number assigned to the payment request form after the transfer process of the transfer processing unit is completed. The payment method according to claim 5, wherein the customer side display device and the customer side input device are configured as a touch panel. The request processing unit
A scanner that reads an image of the payment request;
At least one of a reader device that recognizes a barcode or QR (Quick Response) code included in an image image read by the scanner, and an OCR (Optical Character Reader) recognition device that reads the printed content or handwritten content of the image image. A description content recognition unit that is one device;
A description content input unit that allows a clerk to input information corresponding to the description content of the payment request;
6. A description content confirmation unit that allows a clerk to confirm whether or not the image image of the payment request document is consistent with the description content of the payment request document. The payment method according to claim 7.   The payment program for making the said branch terminal which is a computer perform the payment method of any one of Claim 5 thru | or 7.

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