JP2010204814A - Vip notification system of financial institution - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To notify color information about clothes along with attribute information of a VIP operating an automatic transaction device for allowing a clerk of a financial institution to quickly and surely identify the VIP and to rapidly and properly attending the VIP. <P>SOLUTION: When it is determined that a customer is the VIP, a server transmits color information about clothes of the customer to a terminal along with at least a part of customer information about the customer, and a display device at the terminal displays color of the clothes of the customer reproduced based on the color information along with at least a part of the customer information about the customer. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a financial institution VIP notification system.

  Conventionally, in a financial institution such as a bank, a credit union, a securities company, or a consumer finance company, when an important customer, that is, a VIP (Very Important Person) visits a branch, a staff of the branch is greeted. They are always waiting for customers and guiding them to the reception room. Therefore, a system that promptly detects that the VIP has visited the store and notifies the staff has been proposed (see, for example, Patent Document 1).

  For example, when a VIP operates an automatic transaction apparatus disposed in a sales office, the VIP is identified based on a customer ID stored in a card inserted into a card slot of the automatic transaction apparatus, There has been proposed a system for notifying the customer service staff of information such as the name of the VIP and the ID number of the automatic transaction apparatus operated by the VIP. Thereby, the customer service representative can identify the VIP and serve the customer.

  In addition, for example, when a VIP holding a card storing information indicating that it is a VIP visits a sales office, the detection means provided in the sales office detects the information and is also installed in the sales office. A system has been proposed in which a camera captures the VIP. In this case, the sales staff member, for example, a customer service representative is notified that the VIP has visited the store, and a VIP image is displayed on the monitor. Accordingly, the customer service representative can more reliably identify the VIP and serve the customer.

JP 2002-236797 A

  However, in the conventional system, when only the name of the VIP is notified, the customer service representative must identify the VIP based on the information as a character string. It is difficult to serve customers properly. Moreover, even if the automatic transaction apparatus operated by the VIP can be specified, it is difficult to identify the VIP if the VIP is separated from the automatic transaction apparatus.

  It is possible to reliably identify the VIP by using the VIP image taken by the camera. However, acquiring the customer's image without obtaining the consent of the person is a viewpoint of personal information protection. There is a problem. Further, for example, even if a facial photograph is used as a VIP image, it is difficult to identify a specific person from a large number of customers based on the facial photograph when the shop is crowded. .

  The present invention solves the problems of the conventional system, and notifies the color information of the clothes together with the attribute information of the VIP operating the automatic transaction apparatus, so that the staff of the financial institution receiving the notification It is an object of the present invention to provide a financial institution VIP notification system capable of quickly and reliably identifying a VIP and serving a VIP promptly and appropriately.

  For this purpose, the financial institution VIP notification system of the present invention includes an ID acquisition unit that acquires a customer ID and an image acquisition unit that acquires at least a part of the image data of the customer. A transaction apparatus, a database storing customer information about the customer, a color analysis unit that analyzes image data received from the automatic transaction apparatus and obtains color information of the customer's clothes, and received from the automatic transaction apparatus A server including a VIP determination unit that determines whether the customer is a VIP based on a customer ID and customer information stored in the database, and a display device that displays information received from the server If the customer is determined to be a VIP, the server stores a small amount of customer information related to the customer. The color information of the customer's clothes is transmitted to the terminal together with at least a part, and the display device of the terminal reproduces the customer's clothes reproduced based on the color information together with at least a part of the customer information about the customer. The color of is displayed.

  In another financial institution VIP notification system according to the present invention, the image acquisition unit acquires image data in a range below the customer's face and not including the face.

  In yet another financial institution VIP notification system according to the present invention, the color analysis unit further calculates an average value of RGB numerical data occupying a range of 1σ in the image data, and calculates the average value of the clothes of the customer. Obtained as color information.

  According to the present invention, in the financial institution VIP notification system, the color information of clothes is notified together with the attribute information of the VIP operating the automatic transaction apparatus. Thereby, the staff of the financial institution that has received the notification can quickly and reliably identify the VIP, and can serve the VIP promptly and appropriately.

It is a figure which shows the structure of the financial institution VIP notification system in embodiment of this invention. It is a figure explaining operation | movement of the financial institution VIP notification system in embodiment of this invention.

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

  FIG. 1 is a diagram showing a configuration of a financial institution VIP notification system according to an embodiment of the present invention.

  In the figure, reference numeral 10 denotes a financial institution center such as a district center which is a computer center that performs information processing of financial institutions such as banks, credit unions, securities companies, and consumer financial companies in the present embodiment. A server 11 includes a computing device such as a CPU and MPU, a storage device such as a magnetic disk and a semiconductor memory, an input device such as a keyboard and a mouse, a display device such as a CRT and a liquid crystal display, a communication interface, and the like. This is a CN (Channel Navigator) system as a system, which is disposed in the financial institution center 10 and functions as a server side system of a CRM (Customer Relationship Management) system. The CN system 11 may be composed of a single server, may be composed of a plurality of servers, or may be constructed with other computer systems. The CRM system is a system that collects customer information in an integrated manner and uses it for marketing activities in order to maintain the relationship with the customer 30 of the financial institution.

  Reference numeral 21 denotes an automatic transaction apparatus such as an ATM (Automatic Teller Machine), a CD (Cash Dispenser), etc., which is disposed in a branch office 20 of a financial institution. This is a device for the customer 30 of the financial institution to perform financial transactions such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, fixed deposit, etc. by operating by himself. The automatic transaction apparatus 21 is a store of a store such as a convenience store, a supermarket, a department store, an underground mall, a station premises, a city hall, a public facility such as a hospital, a private company such as a factory or an office, a parking lot, a roadside ( It may be arranged outdoors such as aside). The automatic transaction apparatus 21 is a multifunction terminal such as a kiosk terminal having other functions such as a ticket reservation function, a product purchase application function, a credit card credit confirmation function, a facility information guidance function, and the like. There may be. The customer 30 is a person who opens his / her own account at a financial institution and uses the financial institution.

  And the said automatic transaction apparatus 21 has a customer operation part provided with display apparatuses, such as input devices, such as a keyboard, a touch panel, and a mouse | mouth, CRT, a liquid crystal display, and a LED (Light Emitting Diode) display. The customer operation unit is preferably a touch panel having both functions of an input device and a display device. Furthermore, it is desirable that the customer operation unit includes a voice output device such as a speaker for outputting voice guidance or the like.

  The automatic transaction apparatus 21 includes a card handling unit as an ID acquisition unit that handles a card 31 such as a cash card and acquires a customer ID. Here, the card 31 is a card for performing financial transactions such as deposit, withdrawal, transfer, balance inquiry, etc. issued to the customer 30 by a financial institution, and the customer's 30 name, account number, personal identification number, A magnetic stripe for storing information such as a customer ID is provided. The member for storing the information may be an IC embedded in the card 31 instead of the magnetic stripe. The card handling unit includes a card slot into which the card 31 is inserted. In the card slot, the card 31 transports the card 31, and reads the information stored in the magnetic stripe or IC of the card 31. In addition, a recording head such as a magnetic head for overwriting, erasing and the like is provided. It is desirable that the card handling unit can handle other types of cards such as cash cards, credit cards and debit cards issued by other financial institutions.

  Further, the card handling unit has a function of issuing a transaction statement slip. The transaction statement is a piece of paper on which information relating to financial transactions performed by the customer 30 such as deposit, withdrawal, balance inquiry, transfer, transfer, remittance, time deposit setting, etc. is printed, and the account number, the type of financial transaction The transaction amount is printed. The transaction statement slip may be issued only when the customer 30 desires.

  And the said automatic transaction apparatus 21 has a passbook recording part which writes in bankbooks, such as a bankbook, a banknote depositing / withdrawing part which handles a banknote, and a coin depositing / withdrawing part which handles a coin. Furthermore, the automatic transaction apparatus 21 includes a calculation unit such as a CPU and an MPU, a storage unit such as a magnetic disk and a semiconductor memory, a communication unit, and the like, and has a control unit that comprehensively controls the operation of the automatic transaction apparatus 21. . Further, the automatic transaction apparatus 21 is communicably connected to a host computer of the financial institution as an accounting system host apparatus (not shown) and performs a financial transaction.

  Further, the automatic transaction apparatus 21 includes a channel agent 23 that transmits and receives various types of information to and from the CN system 11.

  The automatic transaction apparatus 21 includes an image acquisition unit that captures image data from a camera 22 that photographs the customer 30 who operates the automatic transaction apparatus 21 and photographs at least a part of the customer 30. That is, the image acquisition unit acquires at least part of image data of the customer 30. The camera 22 includes an imaging system such as a CCD (Charge Coupled Device) and a CMOS (Complementary Metal Oxide Semiconductor), and an optical system such as a lens and a prism, as in a general digital camera. An image captured by the camera 22, that is, image data acquired by the camera 22, is transmitted to the image acquisition unit as RGB digital data. The camera 22 is disposed on the front portion of the automatic transaction apparatus 21. Specifically, in a state where the customer 30 is close enough to touch and operate the customer operation unit, a position where the clothing of the upper body of the customer 30 occupies most of the screen (for example, a floor) It is desirable that the camera 22 is mounted at a height of about 120 [cm] from the center of the automatic transaction apparatus 21 at a position near the center in the width direction.

  The camera 22 does not necessarily have to be attached to the casing of the automatic transaction apparatus 21. For example, the camera 22 may be attached to a camera support member separate from the casing of the automatic transaction apparatus 21, such as a tripod. . Further, when the camera 22 is attached to the housing of the automatic transaction apparatus 21, it can be considered that the camera 22 itself functions as an image acquisition unit.

  In the figure, only one automatic transaction apparatus 21 is shown, but a plurality of automatic transaction apparatuses 21 may be provided.

  Further, reference numeral 41 denotes a staff terminal as a terminal disposed in the sales office 20, an arithmetic device such as a CPU or MPU, a storage device such as a magnetic disk or a semiconductor memory, an input device such as a keyboard or a mouse, a CRT, It is a computer such as a personal computer equipped with a display device such as a liquid crystal display and a communication interface, and is operated by a staff member 40 of a financial institution assigned to the store 20. The staff 40 is, for example, a customer service representative in the lobby of the sales office 20, but may be a person in charge of a window or a person in charge of another department.

  The CN system 11 includes an action history collection unit 12, a color analysis unit 13, a VIP determination unit 14, a reception unit 15, a notification unit 16, and a CN database 17.

  The CN database 17 is a database composed of a storage device such as a magnetic disk and a semiconductor memory, and master information relating to a person in charge who is an employee 40 of a financial institution, that is, person information (face photo, profile), customer information (customer) In addition to the attribute, the person-in-charge change flag and the change notification confirmation flag are included), and information such as action history is accumulated and stored.

  The action history collection unit 12 also has a function of recording an operation history of the automatic transaction apparatus 21 by the customer 30 transmitted by the channel agent 23 of the automatic transaction apparatus 21, that is, a message of an action history in the CN database 17.

  Further, the color analysis unit 13 calculates an average value of RGB numerical data occupying a range of 1σ in the image data as digital data included in the message transmitted by the channel agent 23 of the automatic transaction apparatus 21, and calculates the average value. The function of determining the color of the clothes of the customer 30 is exhibited. That is, the image data is analyzed, and the average value is acquired as color information of clothes of the customer 30.

  Then, the VIP determination unit 14 compares the customer information stored in the CN database 17 with the customer information transmitted by the channel agent 23 of the automatic transaction apparatus 21, and determines whether or not the VIP flag attribute is set. Demonstrate the function.

  The receiving unit 15 has a function of converting a message from various channels existing in a financial institution or a channel agent 23 of the automatic transaction apparatus 21 into a standard message and receiving it universally.

  Further, the notification unit 16 exhibits a function of actively notifying that the VIP is visiting the staff terminal 41 used by the staff 40 of the sales office 20.

  Next, an algorithm used by the financial institution VIP notification system according to the present embodiment will be described.

  First, an algorithm for analyzing and determining the color of clothes of the customer 30 will be described.

  When the customer 30 inserts his / her own card 31 into the card slot of the automatic transaction apparatus 21 and operates the customer operation unit to input a personal identification number, the channel agent 23 controls the camera 22 and controls the face of the customer 30. The range below is taken with the focus being blurred, so-called out of focus. In this way, the out-of-focus image that does not include the face is acquired from the viewpoint of customer information management by using the customer information such as the customer ID stored in the card 31 and the face image that is biometric information as the customer. This is because no string is attached as 30 data. In general, obtaining a facial image of the customer 30 without obtaining the person's consent is problematic from the viewpoint of personal information protection. Therefore, in the present embodiment, the face image of the customer 30 is not acquired by the camera 22 to prevent the problem of personal information protection from occurring.

  Then, when the automatic transaction apparatus 21 communicates with the host computer of the financial institution that is the accounting system host apparatus and the personal authentication of the customer 30 is confirmed, the image data acquired by the camera 22 is converted into a standard message as RGB digital data. It is transmitted to the CN system 11 together with other data included.

Here, the format of the transmission / reception message for performing transmission / reception between the CN system 11 and the automatic transaction apparatus 21 will be described. In order to inform that the customer 30 is operating the automatic transaction apparatus 21, the data included in the standard message transmitted by the automatic transaction apparatus 21 to the CN system 11 includes the following (1-1) to (1 -9) is included.
(1-1) CIF (Customer Information File) number: Number for uniquely identifying the customer 30 by the financial institution (1-2) Store number: Identification number of the sales office 20 in which the customer 30 is registered (1- 3) Subject: Account subject held by customer 30 (1-4) Account number: Account identification number held by customer 30 (1-5) Channel type: Channel type in which customer 30 is in contact with a financial institution (In this case, automatic transaction apparatus 21)
(1-6) Unit No. information: Identification information of automatic transaction apparatus 21 (1-7) Action history: History information indicating what customer 30 has operated on automatic transaction apparatus 21 (that is, automatic transaction by customer 30) Operation history of device 21)
(1-8) Action time: Time when customer 30 acted (that is, time when customer 30 operated automatic transaction apparatus 21)
(1-9) Digital data: Image data acquired by the camera 22 When the receiving unit 15 of the CN system 11 receives a standard message from the automatic transaction apparatus 21, the color analysis unit 13 includes digital data included in the standard message. The average value of the RGB numerical data occupying the range of 1σ is calculated, and the average value is determined as the color of clothes of the customer 30.

  Further, the VIP determination unit 14 determines whether or not the customer 30 is a VIP based on information identifying the customer 30 such as a CIF number included in the standard message. And when the customer 30 is VIP, the notification part 16 performs VIP notification with respect to the staff terminal 41 which the staff 40 of the sales office 20 uses, and notifies that VIP is visiting.

The VIP notification is performed by transmitting a standard message. The data included in the standard message as the VIP notification includes the following (2-1) to (2-10).
(2-1) CIF number: number for financial institution to uniquely identify customer 30 (2-2) store number: identification number of branch 20 where customer 30 is registered (2-3) subject: customer Account item held by 30 (2-4) Account number: Identification number of account held by customer 30 (2-5) Name: Name of customer 30 (2-6) Channel type: Customer 30 contacts financial institution The type of channel being used (in this case, automatic transaction apparatus 21)
(2-7) Unit No. information: identification information of the automatic transaction apparatus 21 (2-8) Action history: history information indicating what the customer 30 has operated by operating the automatic transaction apparatus 21 (that is, automatic transaction by the customer 30) Operation history of device 21)
(2-9) Action time: Time when customer 30 acted (that is, time when customer 30 operated automatic transaction apparatus 21)
(2-10) RGB value of clothes color: Color information of clothes of customer 30 determined and acquired by the color analysis unit 13 And when receiving the VIP notification from the notification unit 16 of the CN system 11, the staff terminal 41 The data of (2-1) to (2-9) is displayed on the display device in a table format that is easy for the staff member 40 to view. As for the data (2-10), the staff terminal 41 reproduces the color of the clothes based on the RGB values and displays it on the display device.

  When the inside of the sales office 20 is congested, it is difficult to find a specific customer 30 from a large number of customers 30 based on the face image. Rather, it is easier to search based on the color of clothes. You can find out.

  Next, the operation of the financial institution VIP notification system in the present embodiment will be described.

  FIG. 2 is a diagram for explaining the operation of the financial institution VIP notification system according to the embodiment of the present invention.

  First, a customer 30 who visits the sales office 20 operates the automatic transaction apparatus 21 disposed in the sales office 20 to make a reception request, and a card 31 held by himself / herself in a card slot (not shown) of the automatic transaction apparatus 21. Insert. Then, the card handling unit of the automatic transaction apparatus 21 reads information that uniquely identifies the customer 30 such as a customer ID from the inserted card 31 and transmits the information to the channel agent 23.

  Subsequently, the channel agent 23 receiving the information controls the camera 22 to photograph the customer 30. That is, the customer's shooting instruction is issued to the camera 22. Then, the channel agent 23 receives the image data of the customer 30 acquired by the camera 22. That is, digital image information is acquired from the camera 22.

  Subsequently, the channel agent 23 creates a standard message including the data (1-1) to (1-9) and transmits it to the CN system 11 provided in the financial institution center 10. That is, the behavior history of the customer 30 is transmitted to the CN system 11.

  When the receiving unit 15 receives the standard message from the channel agent 23, the CN system 11 requests the action history collecting unit 12 to record the standard message in the CN database 17. That is, the action history collection unit 12 that is requested to record the action history of the customer 30 records the action history in the CN database 17.

  Subsequently, the CN system 11 reads customer information from the CN database 17 using the data included in the standard message, that is, received data as a key. Then, the CN system 11 passes customer information to the VIP determination unit 14 and requests to determine whether or not the customer 30 is a VIP. Then, the VIP determination unit 14 inquires about the VIP flag attribute and determines whether or not the customer 30 is a VIP.

  Here, when the VIP determination unit 14 determines that the customer 30 is a VIP, the CN system 11 requests the color analysis unit 13 to determine the color of the captured digital data of the received data. That is, it requests the color determination of the image data acquired by the camera 22 which is digital data included in the standard message received from the channel agent 23. Then, the color analysis unit 13 performs color determination, calculates an average value of the RGB numerical data of the image data, determines the average value as the color of the clothes of the customer 30, and acquires it as the color information of the clothes.

  Subsequently, the CN system 11 generates a standard message to be notified to the staff terminal 41 from the customer information stored in the CN database 17 and the color information determined by the color analysis unit 13. The standard message includes the data (2-1) to (2-10). Then, the CN system 11 requests the notification unit 16 to notify the staff member 40. Then, the notification unit 16 transmits a standard message to the staff terminal 41 used by the staff 40 of the sales office 20 to notify the VIP that the VIP is visiting.

  Then, the staff terminal 41 generates a screen to be displayed on the display device from the standard message received from the CN system 11. In this case, the staff terminal 41 displays the attribute information of the customer 30 that is a VIP in a table format that is easy for the staff 40 to view. The clothes of the customer 30 are reproduced based on the RGB values as the color information and displayed on the screen of the display device.

  Subsequently, the staff member 40 confirms the information displayed on the screen of the display device of the staff terminal 41. Then, the staff member 40 follows the customer 30 and tries to contact them. In this case, the customer 30 in the sales office 20 can be easily identified based on the machine information that is identification information of the automatic transaction apparatus 21 and the color of the clothes of the customer 30.

  Thus, in the present embodiment, the staff terminal 41 is notified of the color information of the clothes together with the attribute information of the customer 30 who is the VIP operating the automatic transaction apparatus 21. As a result, the staff 40 such as a customer service representative can quickly and reliably identify the customer 30 and can promptly and appropriately serve the customer 30.

  Further, in the present embodiment, the face image of the customer 30 is not acquired, the image in the range below the face is acquired, and the color of the clothes of the customer 30 is reproduced and displayed on the staff terminal 41 based on the image. It is supposed to let you. Thus, since the face image which is the biometric information of the customer 30 is not acquired, it is possible to reliably prevent the problem of personal information protection from occurring. Moreover, since the staff 40 searches for the customer 30 based on the color of the clothes of the customer 30, when the inside of the sales office 20 is congested, it is easier and quicker than based on the face image. The customer 30 can be specified.

  In the present embodiment, the case has been described in which the automatic transaction apparatus 21 acquires the attribute information of the customer 30 and the color information of the clothes. However, the channel agent 23 is provided at the entrance of the sales office 20, and the entrance permission determination is performed. It is also possible to obtain the attribute information of the customer 30 and the color information of the clothes by arranging a terminal for performing the processing with the card 31 and photographing the customer 30 when the card 31 is inserted into the terminal.

  In addition, the present invention can be applied not when the customer 30 who is a VIP is operating the automatic transaction apparatus 21 but when operating a reception terminal disposed at the entrance of the sales office 20.

  In addition, this invention is not limited to the said embodiment, It can change variously based on the meaning of this invention, and does not exclude them from the scope of the present invention.

  The present invention can be applied to a financial institution VIP notification system.

11 CN system 13 Color analysis unit 14 VIP determination unit 17 CN database 20 Sales office 21 Automatic transaction device 22 Camera 30 Customer 41 Staff terminal

Claims (3)

(A) an automatic transaction apparatus that includes an ID acquisition unit that acquires a customer ID and an image acquisition unit that acquires at least a part of the image data of the customer;
(B) a database for storing customer information related to the customer, a color analysis unit that analyzes image data received from the automatic transaction apparatus to obtain color information of the clothes of the customer, and a customer received from the automatic transaction apparatus A server including a VIP determination unit that determines whether the customer is a VIP based on an ID and customer information stored in the database;
(C) a display device that displays information received from the server, and a terminal disposed in a sales office;
(D) When it is determined that the customer is a VIP, the server transmits color information of the customer's clothes to the terminal together with at least part of the customer information regarding the customer;
(E) The financial institution VIP notification system, wherein the display device of the terminal displays the color of the customer's clothes reproduced based on the color information together with at least a part of the customer information regarding the customer. The financial institution VIP notification system according to claim 1, wherein the image acquisition unit acquires image data that is in the range below the customer's face and does not include the face. The financial institution VIP according to claim 1, wherein the color analysis unit calculates an average value of RGB numerical data occupying a range of 1σ in the image data, and acquires the average value as color information of the clothes of the customer. Notification system.

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