JP2012093998A - Self-counter terminal - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable a client himself/herself to perform processing to the completion also including handling cash by causing a scanner to read a transfer form or the like, and to allow a bank clerk to support the client as needed.SOLUTION: At a client side of an upper surface, there are provided a display 2 with a touch panel for client, an automatic teller machine 4 having a bill slot 9 and a coin slot 10, a scanner 5 for reading a form or the like and a card reader 11. Between the client side and a bank clerk side, a biological authentication device 3 for confirming the identity of a client and a supporting bank clerk is disposed. At a bank clerk side, a display 6 with a touch panel for bank clerk is disposed. The display 6 with the touch panel for bank clerk has a revolving shaft at an upper end and can turn a display screen toward the client side. When an angle of the display screen is changed by the revolving shaft and a mechanism for detecting that angle detects that the angle of the display screen reaches a predetermined value, the display is vertically inverted so that the client can read the display, and a portion of contents which should not be shown to the client is non-displayed.

Description

  The present invention relates to a self-counter terminal, and more particularly to a self-counter terminal that can be used by a customer when performing a transaction based on a slip brought in by a customer in a financial institution such as a bank.

  Generally, in a financial institution such as a bank, a transaction using a slip brought in by a customer, for example, when a customer tries to make a transfer using a slip, the transaction is performed by a bank employee using a counter terminal used by the bank employee. It has been broken. Then, while the bank employee receives the transfer slip from the customer, the bank employee inputs the transaction from the counter terminal for the bank staff, and the customer receives the cash from the ATM while reading the transfer slip into the OCR provided in the counter terminal. And the bank employee completed the transfer process by confirming the payment.

  In addition, as a prior art regarding the counter terminal used by the employee, for example, techniques described in Patent Documents 1 and 2 are known.

JP 2007-188254 A JP-A-4-284277

  As described above, conventionally, when a customer tries to conduct a transaction using a slip at a bank or the like, the transaction is performed by the clerk using a counter terminal used by the clerk. The clerk also carried out confirmation of the reading results.

  For this reason, banking operations are indispensable for transactions using slips, and it is necessary for bankers to respond to customers on a one-on-one basis, which increases the workload of bankers and reduces the operational efficiency of financial institutions. It was.

  In view of the above-described points, the object of the present invention is to allow a customer himself / herself to read a slip, for example, a transfer slip, into a scanner having an OCR function when performing a transaction using a slip in a financial institution such as a bank, It is an object of the present invention to provide a customer-operated self-counter terminal that can be processed by the customer himself / herself, including handling of cash, and can be supported by an employee when necessary.

  According to the present invention, the object is to provide a self-counter terminal that allows a financial institution to make a transaction based on a slip brought by the customer, a display device with a touch panel for customer operation, a cash handling device, biometric authentication A scanner having an OCR function for reading a mechanism and a slip is provided as a device for customer operation, a display device with a touch panel for occupant operation is provided for occupant operation, and the display device with a touch panel for occupant operation has a rotation axis The display surface can be turned to the customer side by rotating the display surface, and a mechanism for detecting that the display surface can be viewed from the customer is provided. When it is ready to be viewed, the display is flipped up and down so that the customer can read it and It is achieved by displaying by switching the display of the contents so as to hide the minute.

  According to the present invention, since a customer can input a transaction including reading using a voucher scanner, one employee can respond to a plurality of customers at the same time. The efficiency can be improved.

It is a top view which shows the apparatus structure of the self-counter terminal by one Embodiment of this invention. It is a side view of the self-counter terminal shown in FIG. It is a flowchart explaining the processing operation | movement of the transaction in the self-counter terminal by embodiment of this invention.

  Hereinafter, embodiments of a self-counter terminal according to the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a top view showing a device configuration of a self-counter terminal according to an embodiment of the present invention, and FIG. 2 is a side view of the self-counter terminal shown in FIG.

  As shown in FIG. 1, the self-counter terminal 1 according to an embodiment of the present invention has a customer touch panel display 2, a bill insertion slot 9, and a coin insertion slot 10 on the customer side on the upper surface. A cash handling machine 4 that handles the input of cash, a scanner 5 having an OCR function that reads and recognizes slips, etc., and a card reader 11 are arranged, and the identity of the customer and the supporting staff is identified between the customer side and the banker side. A biometric authentication device 3 that uses a finger vein pattern or the like is arranged, and a display device 6 with a touch panel for a crew member operated by the crew member is arranged on the crew side.

  As shown in FIG. 2, the display device 6 with a touch panel for employees arranged on the employee side has a rotation axis at the upper end, and the display surface can be directed to the customer side by this rotation axis. It is possible to show the contents operated by. When the angle of the display surface is changed by the rotation axis, when a mechanism (not shown) for detecting the angle detects that the angle of the display surface has reached a predetermined value and the display surface can be viewed from the customer. The display of the display device 6 is controlled so that the customer can read it upside down, and the content of the display is switched so as to hide the portion of the content that should not be shown to the customer.

  Further, the scanner 5 is configured to be able to switch between the customer side and the clerk side of the paper insertion / discharge direction. For this reason, the customer side paper insertion / discharge port 7, the clerk side paper insertion / There are two paper insertion / discharge ports of the discharge port 8. Regarding the switching timing of the discharge direction, since it is basically a customer operation terminal, it is discharged to the customer side. Even if a bank employee enters support, if the transaction is possible by the customer, it will be discharged to the customer as well. However, if a lot of support is needed from the staff, the discharge should be switched to the staff. This switchover is intentionally determined by the banker when it is necessary to start the reading of slips in the transaction, or when the banker performs all of the previous transaction corrections in consecutive transactions, the banker needs to switch the discharge direction. When implemented, it may be performed when a customer calls a clerk and the clerk enters support and starts a transaction.

  The card reader 11 is used for personal authentication of a financial institution in which the self-counter terminal according to the embodiment of the present invention is installed and a customer who has not made a transaction so far, for example, an IC driver license. It is used for reading certificates.

  In addition, the self-counter terminal according to the embodiment of the present invention is also used when a financial institution in which the self-counter terminal according to the embodiment of the present invention is installed and a customer who has not had a transaction until then open a new account. The above-described card reader 11 can also be used for identity verification at that time.

  The self-counter terminal 1 according to the embodiment of the present invention shown in FIG. 1 includes an information processing device including a storage device such as a CPU, a memory, a nonvolatile memory, and an HDD, and is stored in the storage device. Various functions according to the present invention, which will be described later, are constructed by loading a program for performing the processing according to the present invention into a memory and causing the CPU to execute the program.

  FIG. 3 is a flowchart for explaining the transaction processing operation at the self-counter terminal according to the embodiment of the present invention. Next, the processing will be described on the assumption that the transaction processing is a cash transfer process.

(1) The customer collectively sets the slip brought in at the store in the customer-side paper insertion / discharge port 7 of the scanner 5. The scanner 5 reads all of the set slips, and displays the read number on the display device 2 with a customer touch panel operated by the customer, so that the customer can check whether the displayed number is correct. Confirm (steps 101-103).

(2) When the customer confirms that the number of sheets is correct in step 103, the image data of the slip read on the first sheet is displayed on the display device 6 with a staff touch panel operated by the staff ( At the same time, the display device with a touch panel 2 operated by the customer has a recognition result of the slip (recognition result of the slip and the letters, numbers, etc. written on it). Is displayed (step 104).

  Here, in order to display the recognition result of the slip, it is necessary to determine the type of the slip for each transaction. This type of slip can be classified and discriminated using any one of the five methods described below. First, the voucher format is automatically determined based on the characteristics and color of the ruled lines, vouchers are specified, and there are similar vouchers that cannot be discriminated. The voucher candidates, for example, the voucher formats that are candidates are displayed on the screen. And identify by prompting the customer to make a selection. Second, the slip is determined by allowing the customer to select the type of business in advance. Third, in the case of a slip with a barcode, such as a transfer sheet with a barcode, the slip image data is displayed on the display 2, and the customer touches the barcode portion to recognize and identify the barcode. Do. By using this method, the slip can be recognized without being influenced by the position of the barcode. The fourth case is a non-standard slip, and it can be handled as an exception by handling it as a transfer sheet. The fifth is a case of a slip other than those described above, and an identification item is added to a new slip and recognized by, for example, recognizing four corners in order.

(3) The customer looks at the displayed image data and the recognition result, and corrects and confirms the content of the recognition result by operating the display device 2 with a touch panel operated by the customer (step 105).

(4) Similarly, for the second and subsequent displayed sheets, the customer repeats the process of correcting and confirming the contents based on the image data and the recognition result until the number of slips read by the scanner is completed. (Steps 106-109).

  In the operation of correcting and confirming the above-described contents, there may be a case where the result read and recognized by the scanner 5 is incorrect, the slip is corrected, and the corrected slip is read again. In such a case, it is necessary to take measures so as not to double-transmit two slips, that is, a slip that has been entered incorrectly and a slip that has been rewritten, to a higher-order server that constitutes the financial processing system by the processing described later. . Therefore, when an additional slip is read by the scanner 5 without canceling the recognition result of the slips that have been put into the scanner 5 at once, the data being displayed is compared with the slip that has been read and rewritten, and the same slip ( The self-counter terminal 1 according to the embodiment of the present invention displays a warning on the screen so that the processing cannot be continued unless one is canceled. Yes.

  It is also necessary to exclude the possibility that the additionally read slip is a processed slip. For this reason, the self-counter terminal 1 according to the embodiment of the present invention prepares two patterns of recognition levels to be used when performing character recognition of slips. First, a level at which an ambiguous recognition result is adopted at a level that can be set by a clerk or the like is determined. The other is a level where ambiguous recognition results are not adopted. When the self-counter terminal 1 according to the embodiment of the present invention additionally reads a slip, the self-counter terminal 1 makes a judgment at these two recognition levels and holds the judgment result at the terminal. If there is a match between the result at a level where the recognition result is not adopted and the slip that has already been read, it is determined that the same slip has been read twice, and a warning is displayed on the screen. Thus, the information of the slip read additionally is not accepted.

(5) When the customer completes the confirmation of the result of reading all the slips by eliminating the double reading as described above, the terminal 1 then calculates the necessary amount from the read slip contents. Then, the result is displayed on the display device 2 with a touch panel on the customer operation side (steps 110 and 111).

(6) If the terminal determines that there is an expensive transfer etc. at this point and the clerk needs to operate, the terminal 1 automatically calls the clerk and the clerk confirms the identity of the customer, It is confirmed whether there is no problem (steps 112 to 114).

(7) If it is determined that there is no problem with the result of the identity verification by the bank employee and the expensive transfer, the customer is prompted by the bank employee to insert cash from the banknote slot 9 and the coin slot 10 of the cash slot. The input amount is confirmed based on the result displayed on the touch panel display 2 operated by the customer (steps 115 and 116).
(8) As a result of confirmation by the customer in step 116, when there is an input amount sufficient for the required amount, a process of transmitting information of each transaction for each slip to a server which is a host device constituting the financial processing system Start (step 117).

(9) Then, all the information of each transaction for each slip is transmitted for each case. Information of each transaction to be transmitted is image data read by the scanner 5 and description information in the recognized slip, and the image data is stored as an alternative to a paper slip, Is used for financial processing (steps 118 to 120).

(10) When the transmission of all items is completed, the processing result is returned from the server, which is the above-mentioned host device, and displayed on the display devices 2 and 6, so that the customer displays on the display device 2 with a touch panel operated by the customer. The processed result is confirmed (step 121).

(11) On the other hand, the self-counter terminal calls a clerk if there is a processing result returned from the server as the host device that requires processing by the clerk. For example, if information on transactions without a bank account is sent to the server, the voucher must be processed by the bank account. Or a case where an image of a voucher that cannot be checked without a reference to another store has been transmitted (step 122).

(12) Thereafter, processing by the bank clerk is performed, and the self-counter terminal transmits the processed information to the server that is the host device. Since the processing result of the transmitted information is returned from the server and displayed on the display devices 2 and 6, the customer and the clerk confirm that the transmission processing for all cases has been completed (steps 123 to 125).

(13) Finally, it is confirmed whether or not a change has occurred with respect to the cash inserted and confirmed in the processing of steps 115 and 116. If there is a change, the amount required for the bill insertion slot 9 and the coin insertion slot 10 The change is discharged, the change is received by the customer, and the process is terminated (step 126).

  In the description of the processing described above, the clerk is called because the processing of steps 113 and 122 needs to be supported by the clerk. However, in the present invention, in addition to the above, the clerk is called for support by the clerk. There is. For example, when the customer calls the employee himself / herself, the terminal automatically recognizes the customer and determines that support by the employee is necessary. For example, when the terminal automatically recognizes the customer and determines that support by the clerk is necessary and calls the clerk, the automatic call judgment criteria are, for example, when the customer's face is photographed and the elderly can be determined. If the customer's line of sight has been scrambled, if it takes a long time from the time of coming to the terminal until the start of the operation, if the operation starts but repeats the cancellation, the customer support at the time of the customer's job selection When it is known that it is necessary, for example, when a clerk starts to respond before the operation starts.

  According to the embodiment of the present invention described above, a slip such as a transfer slip is read by a customer's operation by a scanner, and the result is displayed on a display for a clerk together with a display for a customer, and the slip is displayed to the customer himself / herself. Since the customer can perform the transaction using the slip, the intervention of the clerk becomes unnecessary. Further, according to the embodiment of the present invention, when a clerk operation is required in a transaction, the clerk can be called by the automatic call function, and the clerk can provide support to the customer in a minimum time. As a result, one employee can simultaneously handle a plurality of customers, and the efficiency of banking operations can be improved.

DESCRIPTION OF SYMBOLS 1 Self-counter terminal 2 Display device with touch panel for customer 3 Biometric authentication device 4 Cash handling machine 5 Scanner 6 Display device with touch panel for clerk 7 Customer side paper insertion / discharge port 8 Employee side paper insertion / discharge port 9 Banknote input port 10 Coin Slot 11 Card reader

Claims (4)

In a self-counter terminal that allows customers to conduct transactions based on slips brought into the financial institution by the customer,
A display device with a touch panel for customer operation, a cash handling device, a biometric authentication mechanism, and a scanner having an OCR function for reading slips as a device for customer operation, and a display device with a touch panel for clerk operation for clerk operation Have
The display device with a touch panel for clerk operation has a rotation axis, the display surface can be turned to the customer side by rotating the display surface, and the display surface can be seen from the customer When the display surface is in a state that can be seen by the customer, the display can be flipped upside down so that the customer can read it, and the part of the content that should not be shown to the customer A self-counter terminal characterized in that the display contents are switched so as to be hidden.   There is a means to call a staff member when it is determined that a staff member needs to be handled during the operation of the customer. In the case of a customer who has started working, but is a customer who has started responding before the operation starts, when the customer's face is photographed and it can be judged as an elderly person, the operation is started but the customer repeats cancellation The self-counter terminal according to claim 1, wherein any one of the cases is provided.   The scanner has paper insertion / discharge ports for inserting and discharging slips on both sides of the customer side and the clerk side, and can switch the discharge of the slip after reading between the customer side and the clerk side. The self-counter terminal according to claim 1 or 2.   When the slip is ejected from the scanner, the customer side and the clerk side are switched when the customer is operating, with the slip ejection direction being the customer side, and when the clerk is operating, the slip ejection direction is 4. The self-counter terminal according to claim 3, wherein the self-counter terminal is set to be on the side of a clerk.

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