JP2012178023A - Business store task management system, business store task management method and business store task management program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce the office workload of a person in charge in the business store of a financial institute, and to reduce a labor or time at a customer side required for transaction.SOLUTION: A system 100 includes: a communication part 107 for communicating via a network with the other device; a storage part 101 for storing a component corresponding to predetermined processing in the business store of a financial institute and flow definition information in which the execution sequence of the component necessary for each task is described; and an arithmetic part 104 for executing processing of receiving a telegraphic message from a predetermined device in the business store by the communication part, and specifying the flow definition information corresponding to the task shown by the telegraphic message in the storage part, and reading the necessary component from the storage part according to the specified flow definition information, and successively executing the component and processing of transmitting the execution result of the component relating to the task to the predetermined device as the data of a Web page following the protocol of the network.

Description

  The present invention relates to a sales office business management system, a sales office business management method, and a sales office business management program, and specifically reduces the amount of office work of a person in charge at a sales office of a financial institution, The present invention relates to a technique for reducing trouble and time on the customer side for dealings.

  The operations at financial institution sales branches are originally diverse, and the content tends to become more complex with the recent diversification of financial products and services. Therefore, in response to these situations, for example, it is possible to deal with various operations and store configurations of sales offices at low cost, and customers or store clerks are able to customize applications associated with changes in office flow. A plurality of sales offices having a plurality of types of operation terminals to be operated and a plurality of types of processing devices, a server accessed by an input operation from the operation terminal of the sales office, and a business accessed from the server as needed A sales center flow control system connected via a network to the computer center, wherein the server receives an input data from the operation terminal and generates a screen of the operation terminal. An output control unit and a plurality of device components for instructing control of the processing device installed in the sales office And a plurality of higher-level access components for accessing the business system of the computer center, and a plurality of business-related components described as business logic in the server. (Refer patent document 1) etc. are proposed.

JP 2004-348309 A

  By the way, the situation described above means that the complexity and complexity of work increases year by year for the person in charge in the sales office, that is, the financial institution store, and there is a concern that the overall business efficiency may be lowered. It will be. On the other hand, there is a concern that such persons in charge will take more time for various and complicated paperwork, and will lose time and spiritual margins for the fine-tuned customer service that should be emphasized. On the other hand, in order to carry out a small amount of procedures and transactions, the customer side is still required to fill out and seal documents and submit them to the counter, and it takes time and effort to enjoy the necessary services. There was no change in this situation.

  SUMMARY OF THE INVENTION An object of the present invention is to provide a technique for reducing the amount of work performed by a person in charge at a sales office of a financial institution, and reducing the labor and time on the customer side for transactions.

  The sales office operation management system of the present invention that solves the above-described problems is required for each business, a communication unit that communicates with other devices via a network, components corresponding to predetermined processing at a sales office of a financial institution, and A storage unit that stores flow definition information that describes the execution order of components, and a communication unit that receives a message from a predetermined device at a sales office, and identifies the flow definition information corresponding to the task indicated by the message in the storage unit Then, the necessary components are read from the storage unit according to the specified flow definition information and sequentially executed, and the execution results of the components relating to the business are transmitted to the predetermined device as web page data according to the network protocol. And an arithmetic unit that executes processing.

  In addition, the sales office operation management method of the present invention includes a communication unit that communicates with other devices via a network, a component that corresponds to a predetermined process at a sales office of a financial institution, and an execution order of components required for each business. The computer having the storage unit storing the flow definition information describing the information and the calculation unit receives a message from a predetermined device in the sales office at the communication unit, and receives the flow definition information corresponding to the task indicated by the message. A process for identifying the necessary components from the storage unit according to the identified flow definition information and sequentially executing the components, and executing the component-related execution results as web page data in accordance with the network protocol. A process of transmitting to the apparatus is performed.

  In addition, the sales office operation management program of the present invention includes a communication unit that communicates with other devices via a network, a component that corresponds to a predetermined process at a sales office of a financial institution, and an execution order of components required for each business. A computer having a storage unit storing the flow definition information describing the above and a calculation unit receives a message from a predetermined device at a sales office at the communication unit, and receives flow definition information corresponding to the task indicated by the message A process for identifying the necessary components from the storage unit according to the identified flow definition information and sequentially executing the components, and executing the component-related execution results as web page data in accordance with the network protocol. A process of transmitting to the apparatus is executed.

  ADVANTAGE OF THE INVENTION According to this invention, the amount of office work of the person in charge in the sales office of a financial institution can be reduced, and the effort and time of the customer side concerning a transaction can be reduced.

It is a figure which shows the example of a network structure containing the branch office business management system of this embodiment. It is a figure which shows the hardware structural example of the branch office business management system of this embodiment. It is a figure which shows the example of data which the branch office business management system of this embodiment utilizes. It is a flowchart which shows the process procedure example 1 of the branch office business management method in this embodiment. It is a flowchart which shows the process procedure example 2 of the store business management method in this embodiment. It is a flowchart which shows the process sequence example 3 of the branch office business management method in this embodiment.

--- System configuration ---
Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a network configuration diagram including a branch office business management system 100 of the present embodiment. A branch office business management system 100 (hereinafter, system 100) shown in FIG. 1 makes it possible to realize a complete paperless business in a branch office, thereby reducing the amount of clerical work performed by a person in charge at a branch office of a financial institution. This is a computer system that reduces the time and effort of the customer. More specifically, the system 100 can assume a server device installed and operated in a computer center. Further, the present invention includes that the server apparatus (system 100) is installed in a computer center provided as an entire financial institution. In addition, the system 100 is connected to various devices via a network 140 so that data communication is possible.

  The devices connected to the system 100 include an accounting system 200, an information system 300, an ATM 400 (Automated teller machine), a cashier 410, a cash accounting machine 420, a handy terminal 430, a general-purpose terminal 440, a thin client terminal 450, a person in charge Such as an authority terminal 500 and an authority terminal 550. Of course, the devices connected to the system 100 are not limited to these devices, and devices according to needs in the sales office may be connected arbitrarily. As an example, there is a passbook printer (passbook slip printer) 600 for printing a passbook and slips.

  The accounting system 200 and the information system 300 are computer systems similar to those conventionally used in financial institutions. The information system 300 stores the customer information DB 310 and the authentication information DB 320 in its storage device. (A data structure example for any information will be described later). Similarly, the ATM 400 (Automated teller machine) and the cashier 410 are devices already used in financial institutions. In addition, the person-in-charge terminal 500 and the authorized person terminal 550 are general computer terminals that are arranged in a sales office and used by, for example, a bank employee or an administrator thereof. The handy terminal 430 is, for example, a tablet PC, a small notebook PC, or the like, and is a computer terminal that a clerk can easily carry and use in a business store or at a customer location. The general-purpose terminal 440 is a general PC.

  The thin client terminal 450 is a client computer that has recently been adopted due to the need for information leakage countermeasures and internal control in companies, etc., and has only the minimum functions such as display and input, omitting hard disk devices and the like. It is a dedicated computer. In this case, resources such as application software for implementing necessary functions are centrally managed by a predetermined server on the network (a blade server or the like arranged on the network may be the system 100). Become. This predetermined server constructs a VPN (Virtual Private Network) with the thin client terminal 450, and receives input information (operation contents of the input device) sent from the thin client terminal 450 via this VPN. In addition to processing, video information indicating the processing result (desktop screen of the display device) is transmitted to the thin client terminal 450.

  Further, the cash accounting machine 420 is connected to the network 140 in addition to the general configuration of the existing one, and has a function of executing a cash accounting process while performing data communication with various devices operated by bank employees (the present invention). (The function corresponding to the invention of claim 5).

  Various networks can be employed as the network 140 in the present embodiment, but a LAN (Local Area Network) can be assumed as an example. Further, the devices 200 to 550 and the like have all functions capable of executing communication corresponding to, for example, HTTP (HyperText Transfer Protocol) as a protocol in the network 140, and are connected to the system 100, that is, a server device. The HTTP request / response can be transmitted and received, and the processing result in the system 100 can be acquired.

  The ATM 4000, the handy terminal 430, the general-purpose terminal 440, and the thin client terminal 450 include an IC card reader 50, a biometric authentication device 60, a touch panel 61, an electronic pen 62, a camera 63, a microphone 64, and a scanner 65. Yes.

  The IC card reader 50 performs a data transfer operation with the IC card 10 such as a cash card with an IC chip carried by a customer, acquires information held in the IC card 10, acquired information, and biometric authentication. It is an apparatus that executes processing such as a collation instruction with customer information obtained from an appropriate device such as the apparatus 60.

  The biometric authentication device 60 is a biometric information sensor that reads physical characteristics (eg, finger vein, iris, fingerprint, etc.) of a customer who visits a sales office (which may be assumed to be a clerk).

  The touch panel 61 is an input / output device (input unit, output unit) of each device, and is a device that accepts instructions from customers and employees through fingers and the electronic pen 62.

  The electronic pen 62 is a kind of input unit of each device, and is a tool used when a customer or a clerk operates to give instructions to information displayed on a display device such as the touch panel 61. Become.

  The electronic pen 62 also serves as a tool for recording information such as customer signatures as personal authentication information or intention confirmation information.

  The camera 63 is, for example, an imaging device for photographing a bank employee or a customer (or a place where they are talking). By performing such shooting using the camera 63, information indicating that a clerk or customer is present at a predetermined position (eg, in front of a predetermined terminal) can be acquired and managed as the system 100.

  The microphone 64 is a recording device for recording the conversation between the employee and the customer. The recorded data obtained by the system 100 by performing such processing is preferably stored in the customer information DB 310 or log information, for example, in association with the corresponding customer.

  The scanner 65 is a device for taking in the image data by executing a reading operation on the personal identification material such as a license presented by the customer. By performing such processing, the system 100 can handle the customer identification document as electronic data and store it in the customer information DB 310 in correspondence with the customer.

  Although not shown, the person-in-charge terminal 500 and the authority terminal 550 may include the same IC card reader 50, biometric authentication device 60, touch panel 61, electronic pen 62, camera 63, microphone 64, and scanner 65.

  Next, functions provided in the system 100 will be described. FIG. 2 is a diagram illustrating an example of a hardware configuration of the sales office business management system according to the present embodiment. As described above, the system 100 has a general hardware configuration as a server device. Therefore, the system 100 stores in the storage unit 101 configured by a non-volatile storage device such as a hard disk drive, the memory 103 configured by a volatile storage device such as a RAM used as a working storage area, and the storage unit 101. And at least a communication unit 107 configured by a network interface card (NIC) that communicates with other devices via the network 140. In addition, the system 100 may include an input unit 105 configured with a keyboard, a mouse, and the like that receives instructions from a user, and an output unit 106 configured with a display device that outputs processing results, as necessary. These units 101 to 107 are connected by a bus.

  The storage unit 101 stores a component 110 corresponding to a predetermined process at a financial institution store, and flow definition information 120 describing an execution order of the component 110 necessary for each business.

  The component 110 is a program, that is, a software component that performs each intended function. Basically, it is not used alone, and realizes a series of functions related to a predetermined business in combination with other components. It can also be said to be a kind of object. Further, as shown in FIG. 3, the flow definition information 120 is information describing the execution order of the components 110 necessary for each business. It can be said that the system 100 that calls and executes the component 110 along the flow definition information 120 has a component flow control function.

  The system 100 receives a message from a predetermined device (200 to 550) in a store at the communication unit 107, specifies the flow definition information 120 corresponding to the task indicated by the message in the storage unit 101, and specifies the specified flow. It has a function of reading necessary components 110 from the storage unit 101 in accordance with the definition information 120 and sequentially executing them.

  Further, the system 100 has a function of transmitting the execution result of the component 110 related to the business to the predetermined device as web page data in accordance with the protocol of the network 140. That is, since the processing data in the system 100 is returned to each device as screen data of the web page, each device can be a general computer terminal having a web browser function. Accordingly, it is possible to replace a dedicated terminal that has been conventionally arranged at a sales office of a financial institution with a general computer terminal.

  Note that the storage unit 101 in the system 100 is a component that authenticates a customer's identity as a component 110 corresponding to a process necessary for the corresponding job for a predetermined job that requires a written and stamped required item by the customer, It is preferable that the flow definition information 120 and the component group including at least the component for obtaining the necessary information input request and the corresponding information are stored. The personal authentication only needs to be able to authenticate the individual, but particularly has the following meaning. The identity verification method referred to in the Banking Act refers to authenticating a person with a license or a biometric when making a new or large transaction. In this specification, the purpose is not to authenticate the user in this sense but to identify the customer, and to identify by the biometrics, passbook and name.

  In this case, the system 100 receives a message requesting the processing of the predetermined job from a customer contact terminal at a sales office, for example, the person-in-charge terminal 500, and responds to the predetermined job indicated by the message. The flow definition information 120 is specified by the storage unit 101, and a necessary component 110 is read from the storage unit 101 according to the specified flow definition information 120 and sequentially executed.

  By executing the component 110, the system 100 requests the terminal 500 for information for authenticating the customer's personal authentication, obtains the relevant information, and stores the personal authentication information in the storage unit 101 in advance. Each authentication information is collated or sent as an authentication request to the information system 300, which is an authentication system on the network, to obtain an authentication result, and the customer's personal authentication is executed.

  Further, when the personal authentication is successful, the system 100 returns a request for inputting the necessary items to the terminal 500, acquires the relevant information from the terminal 500, and processes the predetermined task using the acquired information. Execute.

  In addition, when the system 100 succeeds in authenticating the customer, the system 100 reads the registered customer information regarding the customer from the storage unit 101 or the information system 300 and sends it to the terminal 500 together with the input request for the necessary items. A function of acquiring information on the necessary items from the terminal 500 may be provided.

  In this case, the system 100 collates the acquired information on the necessary items with the customer information of the customer against the processing conditions that can be selected by the customer with respect to the predetermined job, which are stored in the storage unit 101 in advance. The next process is specified, and an input request for necessary items to be acquired for the corresponding process and a process for acquiring the corresponding information are repeatedly executed until the predetermined task is completed.

  In addition, the system 100 accepts an approval application regarding the predetermined business as a component 110 corresponding to the processing necessary for the corresponding business for a predetermined business requiring approval processing and authorization by the authorized person, and sends it to the authorized person regarding the corresponding business. A component group including at least a component for notifying the application item and accepting an approval result from the authorized person, and the flow definition information 120 may be stored in the storage unit 101.

  In this case, the system 100 receives a message requesting the processing of the predetermined task from the terminal of the person in charge at the sales office, for example, the person-in-charge terminal 500, by the communication unit 107, and takes the predetermined task indicated by the message. Corresponding flow definition information 120 is specified in the storage unit 101, and a necessary component 110 is read from the storage unit 101 in accordance with the specified flow definition information 120 and sequentially executed. By executing the component 110, the system 100 receives an application for approval regarding the predetermined task from the terminal 500, and executes notification of the application items to a terminal of an authorized person related to the task, for example, the authorized person terminal 550. When the approval result for the application item is received from the authorized person terminal 550 and the received approval result includes information for granting the authority to the person in charge, the processing of the predetermined task is executed.

  In addition, the system 100 makes a request for a cashier process as a component 110 corresponding to a process necessary for the corresponding job for a cashier and a cashier / securities accounting process in the cashier machine 420. At least a component that is received from the authorized person terminal 500, the authorized person terminal 550, the handy terminal 430, the general-purpose terminal 440, the thin client terminal 450, etc. The component group to be included and the flow definition information 120 may be stored in the storage unit 101. The accounting process is intended not only for the cash machine but also for the central management of cash in the sales office. Therefore, it refers not only to tightening of the teller machine (terminal cooperation), but also to a process for centrally managing the cash balance of the teller machine, cashier, and ATM. In other words, it also means matching the actual product with the total.

  In this case, the system 100 receives a message requesting the processing of the predetermined job from a terminal in a branch office by the communication unit 107, and stores the flow definition information 120 corresponding to the predetermined job indicated by the message in the storage unit 101. It has a function of specifying and reading out necessary components 110 from the storage unit 101 in accordance with the specified flow definition information 120 and sequentially executing them.

  By executing the component 110, the system 100 receives the request for the cashier process from the terminal, mediates the cashier process between the terminal and the cashier machine 420, and A serial number is assigned to the transaction data corresponding to the accounting process and stored in the transaction data DB 425 of the storage unit 101. Further, the system 100 reads out transaction data for a predetermined period stored in the transaction data DB 425 of the storage unit 101, and executes a process of checking the correspondence between each accounting process by serial number and the consistency of the accounting amount. To do. Note that all of these processes may be executed by the cash accounting machine 420. In that case, the cash accounting machine 420 includes a program having the same function as that of the component 110, executes the cash accounting process request from the terminal, executes the cash accounting process with the corresponding terminal, and A serial number is assigned to the transaction data corresponding to the accounting process and stored in the transaction data DB 425 of the storage unit. Further, the cash accounting machine 420 reads the transaction data for a predetermined period stored in the transaction data DB 425 of the storage unit, and checks the correspondence between each accounting process by the serial number and the consistency of the cash in / out amount. .

--- Data structure example ---
Next, an example of the structure of data used by the branch office business management system 100 of this embodiment will be described. The system 100 includes necessary data in its own storage unit 101 or a non-volatile storage device such as a hard disk drive that can be used via the network 140 (for example, a storage device of the information system 300). .

  FIG. 3 is a diagram illustrating an example of data used by the branch office business management system 100 according to the present embodiment. As shown in the figure, the flow definition information 120 is information describing the execution order of the components 110 necessary for each business.

  The customer information DB 310 is a database that stores information about each customer of the sales office. For example, an identification number of a cash card possessed by the customer (in this embodiment, a non-rewritable chip ID held by the IC chip = IC identification number) as a key, it is a set of records in which information such as account type, contractor ID that uniquely identifies the customer, customer name, and address are associated with each other. This customer information DB 310 is provided with at least one of the system 100 and the information system 300.

  The authentication information DB 320 is a database that stores information for customer authentication. For example, the authentication information DB 320 uniquely identifies a customer using an IC identification number that matches the record in the customer information DB 310 for each customer as a key. It is a collection of records in which information such as a contractor ID, an authentication password, and biometric information is associated. This authentication information DB 320 is also provided with at least one of the system 100 and the information system 300.

  The transaction data DB 425 is a database that stores transaction data, which is handled by the system 100 or the cash accounting machine 420 along with the depositing / dispensing process, together with a serial number. The transaction number of the depositing / dispensing process is used as a starting point for the depositing / dispensing process. A record in which information such as a transaction terminal, transaction amount and date / time is associated is a collection of transaction data. This transaction data DB 425 is provided in at least one of the system 100 or the cash accounting machine 420.

--- Example of processing procedure 1 ---
Hereinafter, the actual procedure of the business office management method according to the present embodiment will be described with reference to the drawings. Various operations corresponding to the store management method described below are realized by a program that is read into a memory or the like of a server device constituting the system 100 and executed. And this program is comprised from the code | cord | chord for performing the various operation | movement demonstrated below.

  FIG. 4 is a flowchart showing a processing procedure example 1 of the branch office business management method in the present embodiment. Here, for example, a situation is assumed in which a customer visits the sales office and performs a procedure for purchasing a certain financial product. Further, the customer carries the cash card 10 with an IC chip issued by a financial institution operating the branch.

  In this case, the person in charge at the window talks with the customer and knows that the customer has an intention to purchase a certain financial product. In the communication between the person in charge or the like and the customer, the person in charge terminal 500 operated by the person in charge receives the instruction from the person in charge or the notification from the person in charge terminal 500 about the event of starting the customer response. In response to an instruction from 100, voice recording (conversation recording at the time of face-to-face processing by the microphone 64) or video recording (confirmation of presence at the time of face-to-face processing by the camera 63) may be performed.

  According to this, the customer conversation after the customer and the person in charge start the conversation is recorded, and in the customer information DB 310 (or predetermined log information DB) of the system 100 or the information system 300 through the person in charge terminal 500, The voice data is recorded in association with the customer identification number to be found later. Alternatively, images of the customer and the person in charge after the customer and the person in charge start the conversation (or the place where the conversation is made) are taken, and the customer information DB 310 (or the information system 300) of the system 100 through the person-in-charge terminal 500 is taken. In the predetermined log information DB), the video data is recorded in association with the customer identification number to be found later. By checking the video obtained in this way, it can be confirmed that the person in charge or the customer is actually present at the window.

  The person in charge inputs a notification instruction to the system 100 with an appropriate input unit such as the touch panel 61 or the electronic pen 62 of the person in charge terminal 500 regarding the purchase of the financial product found by the conversation with the customer. Upon receiving this input, the person-in-charge terminal 500 transmits to the system 100 a message requesting the purchase processing of the financial product, that is, the processing of a predetermined business (s100).

  On the other hand, the system 100 receives the message from the person-in-charge terminal 500 at the communication unit 107, and displays the flow definition information 120 corresponding to the predetermined operation indicated by the message, that is, the purchase processing of the financial product, the name of the financial product, etc. The storage unit 101 identifies the key (s101). In accordance with the flow definition information 120 specified here, the system 100 reads out the components 110 necessary for the financial product purchase processing from the storage unit 101 and sequentially executes them.

  It is assumed that the flow definition information 120 specified for the purchase processing of the financial product specifies at least the execution of the component for authenticating the customer and the component for requesting input of necessary items and acquiring the corresponding information.

  Therefore, the system 100 reads out the personal authentication component 110 from the storage unit 101 and executes it in accordance with the flow definition information 120 (s102). By executing the component 110, the system 100 requests the person-in-charge terminal 500 for information for authenticating the customer (s103).

  On the other hand, the person-in-charge terminal 500 that has received a request for information for personal authentication from the system 100 displays the request content on the output unit and notifies the person in charge (s104). The person in charge views this, and requests the customer to present the cash card 10 with the IC chip, for example. Further, the person in charge holds the cash card with IC chip 10 presented by the customer over the IC card reader 50 of the person in charge terminal 500.

  At this time, the person-in-charge terminal 500 performs a reading operation on the customer's IC chip-attached cash card 10 and holds information (IC identification number and other information related to the customer such as the IC identification number). ) Is returned to the system 100 as personal authentication information (s105). Alternatively, the person-in-charge terminal 500 returns the biometric information of the customer obtained by the biometric authentication device 60 or information such as a password or a signature handwriting received from the customer via the touch panel 61 to the system 100 as information for personal authentication. .

  On the other hand, the system 100 obtains the information for authenticating the customer's personal identity sent from the person-in-charge terminal 500 and includes the information for authenticating the user (including the IC identification number and the contractor ID). The authentication information for each customer stored in the storage unit 101 in advance is collated or sent as an authentication request to the information system 300 which is an authentication system on the network, and the password and biometric information included in the record of the customer in the authentication information DB 320 The authentication result that is the result of the verification is acquired, and the identity of the customer is authenticated (s106).

  The system 100 may perform automatic seal verification instead of the above-described personal authentication process. For example, when personal authentication, that is, stamping is required in the exchange between the person in charge and the customer, the system 100 accepts the stamping operation by the customer through a predetermined interface (scanner 65 or the like), and the imprint data obtained thereby is stored in advance in the storage unit 101. Or, the personal authentication is performed by collating with an image (an imprint) held in the information system 300.

  In addition, there is a case where the customer is requested to present the personal identification material in accordance with such personal authentication processing. For example, in the case of identification information (eg, a car driver's license, a health insurance card, a passport, etc.) on a predetermined medium, the person in charge may notify the system 100 via the person-in-charge terminal 500. In this case, the system 100 instructs the person-in-charge terminal 500 to electronically capture and store the personal identification material via the scanner 65. The person-in-charge terminal 500 uses the scanner 65 to scan the identity verification material and transmits it to the system 100. The system 100 receives this image data and stores it in correspondence with the customer in the customer information DB 310.

  When the above-described personal authentication is successful (s106: OK), the system 100 executes the component 110 that performs the input request for the necessary items and obtains the relevant information, and stores the registered customer information regarding the relevant customer in the storage unit 101. The information is read from the customer information DB 310 or the information system 300 and sent to the terminal 500 together with the input request for the necessary items (s107). On the other hand, if the personal authentication fails (s106: NG), the process ends or the process returns to step s100.

  On the other hand, the person-in-charge terminal 500 receives the customer information and the input request for necessary items from the system 100 and displays them on the output unit (touch panel 61 or the like) (s108). As the screen content displayed here, items to be confirmed to the customer regarding the financial product are listed together with customer information. Therefore, when the system 100 transmits such screen data (= the customer information and the input request for the necessary items) to the person-in-charge terminal 500, the system 100 can select according to customer attributes in the purchase processing of the financial product. The acquired customer information of the corresponding customer is collated with respect to a specific item (processing condition), only the item corresponding to the customer is specified as a necessary item, and the input request is made.

  For example, when conditions such as a plan, amount, and applicable interest rate that can be purchased for the relevant financial product are held in the storage unit 101 as different depending on the customer's age and household annual income, the system 100 may include the customer in the customer information of the customer. The age and household annual income information is collated with the above conditions, and the corresponding plan, amount, and applicable interest rate pattern are specified. Then, an input request is sent so as to specify the customer's desired pattern among the plan, amount, and applicable interest rate pattern specified here. Of course, these specific examples are merely examples, and the system 100 specifies information and necessary items to be presented according to customer information and input contents in the same manner for various processes thereafter, starting from the selection of our financial products. Will be transmitted to the person-in-charge terminal 500 or the like.

  If the above input request processing is recognized on a screen basis, it can be said that the paper voucher used conventionally is automatically generated electronically and handled as an electronic voucher. In other words, the slip used for the activity at the sales office may be automatically created electronically.

  The person in charge confirming the input request at the person-in-charge terminal 500 conducts an interview with the customer and collects information on necessary items requested from the system 100. The collected information is input via the input unit of the person-in-charge terminal 500. The person-in-charge terminal 500 acquires information related to the necessary items that have been input and returns the information to the system 100 (s109).

  It is preferable that the person in charge presents the touch panel 61 or the like of the person-in-charge terminal 500 on which the content of the explanation is displayed to the customer when hearing the customer. At this time, an input indicating that the customer has agreed to the content is received by the touch panel 61 or the like. Such presentation of information to the customer and reception of the result may be performed in the same manner in any other processing. Similarly, for the result processed in response to the input from the customer, it is preferable that the touch panel 61 of the person-in-charge terminal 500 displaying the processing result screen is presented to the customer. In addition, if the customer desires such a processing result, a print instruction including screen data may be issued from the person-in-charge terminal 500 to a predetermined printer device.

  The system 100 acquires information on the necessary items from the person-in-charge terminal 500, and gives the acquired information to each component 110 to be executed in the purchase processing of the financial product to execute necessary processing (s110). The system 100 repeatedly executes the processing of steps s107 to s110 as necessary according to the flow definition information 120, and executes the predetermined business, that is, the purchase processing of the financial product (s111).

  The system 100 stores the execution result of the component 110 in each data at a location according to the information attribute in a predetermined format described in HTML (preliminarily prepared for each process and held in the storage unit 101). Is generated as web page data in accordance with the protocol of the network 140 and transmitted to the person-in-charge terminal 500 (s112). That is, the processing data in the system 100 is returned to the person-in-charge terminal 500 and the like as web page screen data. Finally, information on the purchase result of the financial product is displayed on the person-in-charge terminal 500 (s113).

  In addition, when confirming a customer's intention (consent, disagreement) in each of the above processes, it is possible to use electronic technology. For example, on the touch panel 61, an input indicating the intention (consent or disagreement) from the customer is accepted, or when the input indicating the intention (to ensure the legitimacy of the intention), the customer's finger vein, fingerprint, etc. The biometric information can be acquired by the biometric authentication device 60, or the customer's signature can be received by the electronic pen 62. In any case, the system 100 acquires input information for intention confirmation from the biometric authentication device 60, the electronic pen 62, the touch panel 61, and the like, and triggers the step.

--- Processing procedure example 2 ---
Next, a case where the sales office operation management method of the present embodiment is applied to an operation that requires a so-called officer's card will be described. FIG. 5 is a flowchart showing a processing procedure example 2 of the branch office business management method in the present embodiment. In this case, the system 100 applies an approval application for the predetermined job as a component 110 corresponding to a process required for the corresponding job for a predetermined job requiring approval processing and authorization by the authorized person, that is, the officer in the storage unit 101. It stores a component group including at least components for receiving and notifying application matters to the officer regarding the relevant business and accepting approval results from the officer, and the flow definition information 120.

  The system 100 sends a message for requesting processing of a predetermined task that requires approval under the authority of a person in charge, such as a credit examination under a predetermined condition, from a terminal of the person in charge at the sales office, for example, the person-in-charge terminal 500. Is received by the communication unit 107 (s200). In addition, the system 100 identifies the flow definition information 120 corresponding to the predetermined task indicated by the message in the storage unit 101 (s201), and reads the necessary component 110 from the storage unit 101 and executes it in accordance with the identified flow definition information 120 ( s202).

  In this case, by executing the component 110, the system 100 reads out the screen data for accepting the approval application held in the storage unit 101, for example, and sends it to the person-in-charge terminal 500 (s203).

  The person-in-charge terminal 500 receives the screen data and displays it on the touch panel 61 or the like (s204). In addition, the person-in-charge terminal 500 receives an approval application instruction regarding the predetermined task by the person in charge at the input unit, and transmits it to the system 100 as approval application information (s205).

  On the other hand, the system 100 accepts an application for approval regarding the predetermined task from the terminal 500, specifies an address of an authorized person related to the corresponding task, for example, the address of the authorized person terminal 550 on the network 140, and the authorized authority terminal 550. Is notified of the application items (s206). When the system 100 specifies the address of the authorized person terminal 550, for example, the information on the work is included in the information of the authorized person for each work that is stored in the storage unit 101 in advance, that is, the officer and the address of the terminal used. May be used to identify the corresponding address.

  The authorized person terminal 550 receives the approval application from the person-in-charge terminal 500 from the system 100 and displays the corresponding information on the touch panel 61 or the like (s207). As the contents displayed here, for example, “a person in charge of Mr. XX is requesting approval and authorization by the officer for the XX business” can be assumed. Conventionally, the person in charge has advanced the business by temporarily lending the card of the officer's card. However, in this embodiment, the lending / borrowing of the card of the officer's card is completely unnecessary.

  The officer who has viewed the approval application information determines whether to approve or grant authority for the relevant business, and inputs the determination result as an approval result at the authority terminal 550. The authorized person terminal 550 receives the approval result input by the officer and transmits it to the system 100 (s208). If the judgment by the officer is OK, the authority terminal 550 uses the authority data of the officer (eg, imprint data of the officer, electronic certificate, etc.) as the authorization result data. The data is read from the storage unit 550 and attached. On the other hand, if the judgment by the officer is approval NG, the authority terminal 550 adds the approval result with the data indicating approval NG without adding the authority data of the officer to the approval result data. Will be composed.

  On the other hand, the system 100 receives an approval result for the application item from the authorized person terminal 550, and when the received authorization result includes information on granting authority to the person in charge, that is, approval OK (s209). : OK), the processing of the predetermined task is executed (s210). On the other hand, if the approval result received from the authority terminal 550 is approval NG (s209: NG), the system 100 returns the process to step s200 without executing the predetermined job process or ends the flow. .

--- Processing procedure example 3 ---
Next, a case where the sales office operation management method of the present embodiment is applied to the depositing / dispensing process in the cash accounting machine 420 will be described. FIG. 6 is a flowchart showing a third example of the processing procedure of the branch office business management method in the present embodiment. In this case, the system 100 makes a request for a cashier process as a component 110 corresponding to a process required for the corresponding job for a predetermined job related to a cashier / securities transaction process in the cashier 420 in the storage unit 101. The storage unit 101 receives a serial number for each transaction data that is received from a terminal in the sales office (the person-in-charge terminal 500, the authority terminal 550, the handy terminal 430, the general-purpose terminal 440, the thin client terminal 450, etc.). A component group including at least a component to be managed and flow definition information 120 are stored.

  The system 100 receives a message requesting processing of a predetermined job related to the depositing / receiving process from a terminal in the branch office, for example, the person-in-charge terminal 500 (s300), and a flow corresponding to the predetermined job indicated by the message. The definition information 120 is specified in the storage unit 101, and the necessary component 110 is read from the storage unit 101 and executed according to the specified flow definition information 120 (s301).

  By executing the component 110, the system 100 can, for example, withdraw a predetermined amount from the cash accounting machine 420 to the cashier 410 of the person in charge, or deposit a predetermined amount from the cashier 410 to the cash accounting machine 420, or A specific request for the cashier process such as remittance between terminals in the store is received from the person-in-charge terminal 500 (s302).

  Based on this request, the system 100 mediates the cashier process between the corresponding person-in-charge terminal 500 and the cashier machine 420, and also performs the corresponding cashier process at the cashier machine 420 obtained by the brokerage process. A serial number is assigned to the corresponding transaction data and stored in the transaction data DB 425 of the storage unit 101 (s303). The transaction data and the like are as already described based on FIG.

  The system 100 reads transaction data for a predetermined period, for example, one day stored in the transaction data DB 425 of the storage unit 101 every time the predetermined period arrives (s304). As a situation that can be assumed, the processing is executed at the end of the day of the window at a certain store.

  The system 100 checks the correspondence between each depositing process by serial number and the consistency of depositing / withdrawing amount for the transaction data group read from the transaction data DB 425 in step s304 (s305).

  In this case, in the example of the transaction data DB 425 illustrated in FIG. 3, the system 100 extracts a record for each transaction content such as “withdrawal”, “payment”, and “payment”, and for each transaction content. Aggregate the values in the "Amount" column. The system 100 can, for example, collate the total deposit amount from the cash accounting machine 420 with the total deposit amount to the cash accounting machine 420 on the corresponding day, and determine consistency by checking the match. Yes (of course, this consistency criterion is not only “matches the value of money” but also other criteria). Alternatively, the system 100 reads, for example, the data “t0001” and “amount” of the “transaction terminal” in the first record read from the transaction data DB 425, and the serial number as a record associated with the transaction terminal “t0001”. The record “00003” is specified. In addition, the system 100 reads the transaction content “payment” and the value of the amount of the record specified here, and as a cashier process performed between the transaction terminal “t0001” and the cashier machine 420 on the corresponding day, There are XX yen withdrawals from the teller machine 420 and XX yen deposits from the transaction terminal "t0001". There are withdrawals from the cashier machine 420 at the start of business, and deposits into the cashier machine 420 at the end of work. The transaction contents at the transaction terminal “t0001” are consistent, and the transaction amounts entered and exited at that time are also consistent.

  The system 100 notifies the result of the check in step s305 to a predetermined terminal, for example, the authorized person terminal 550 (s306), and ends the process.

  Note that all of the processes in the system 100 described above may be executed by the cash accounting machine 420. In that case, the cash accounting machine 420 includes a program having the same function as that of the component 110 and executes it, receives a request for the cashier process from the person-in-charge terminal 500 or the like, and communicates with the person-in-charge terminal 500 or the like. While performing a cashier process, it assigns a serial number to the transaction data corresponding to the cashier process and stores it in the transaction data DB 425 of the storage unit. Further, the cash accounting machine 420 reads the transaction data for a predetermined period stored in the transaction data DB 425 of the storage unit, and the correspondence between each accounting process by serial number and the consistency of the cash in / out amount are the same as in step s305. Will be checked.

  Although the best mode for carrying out the present invention has been specifically described above, the present invention is not limited to this, and various modifications can be made without departing from the scope of the invention.

  According to this embodiment, it is possible to reduce the amount of clerical work of the person in charge at the financial institution's sales office, and to reduce the time and effort on the customer side for transactions.

  At least the following will be clarified by the description of the present specification. That is, in the sales office business management system, the storage unit authenticates a customer's identity as a component corresponding to a process necessary for the relevant business for a predetermined business requiring a written and stamped required item by the customer. A component group including at least a component to perform, an input request for the necessary information and a component for acquiring the corresponding information, and flow definition information, and the calculation unit is configured to receive the predetermined information from a terminal of a customer window in a sales office. The communication unit receives a message requesting business processing, specifies flow definition information corresponding to the predetermined job indicated by the message in the storage unit, and sequentially reads necessary components from the storage unit according to the specified flow definition information. Execute the request to the terminal for authentication information of the customer and acquire the relevant information. The personal authentication information is collated with the authentication information for each customer held in advance in the storage unit, or sent as an authentication request to the authentication system on the network to acquire the authentication result and execute the personal authentication of the corresponding customer. When the authentication is successful, a request for inputting the necessary information is returned to the terminal, the corresponding information is acquired from the terminal, and the processing of the predetermined task is executed using the acquired information. .

  Further, in the sales office business management system, the arithmetic unit receives a message requesting processing of the predetermined business from a customer window terminal in the business office, and corresponds to the predetermined business indicated by the electronic message. Identify the flow definition information in the storage unit, read out necessary components from the storage unit according to the specified flow definition information and execute them sequentially, request the information for user authentication of the customer from the terminal, obtain the relevant information, This personal authentication information is collated with authentication information for each customer previously stored in the storage unit, or sent as an authentication request to an authentication system on the network to acquire an authentication result and execute the personal authentication of the customer, If the user authentication is successful, the customer information registered for the customer is read from the storage unit and sent to the terminal together with the input request for the necessary items. The acquired necessary information and the customer information of the corresponding customer are collated with respect to the processing conditions for acquiring the information of important items and the processing conditions that are stored in advance in the storage unit and can be selected by the customer with respect to the predetermined business. It is also possible to identify the next process and repeatedly execute the input request for the necessary items to be acquired for the corresponding process and the process for acquiring the corresponding information until the predetermined task is completed.

  Further, in the sales office business management system, the storage unit accepts an approval application for the predetermined business as a component corresponding to a process necessary for the business for a predetermined business that requires approval processing and authorization by an authorized person. , Stores a component group including at least a component for notifying an authorized person regarding an applicable business and receiving an approval result from the authorized person, and the flow definition information, and the calculation unit is a person in charge at the sales office. The communication unit receives a message requesting the processing of the predetermined task from the terminal, specifies the flow definition information corresponding to the predetermined job indicated by the message in the storage unit, and determines necessary components according to the specified flow definition information. Read from the storage unit and execute it sequentially, accepting an application for approval for the predetermined task from the terminal, The notification of the application items to the terminal of the authorized person is executed, the approval result for the application item is received from the terminal of the authorized person, and the received approval result includes information on granting the authority to the person in charge In this case, the predetermined job process may be executed.

  In addition, in the sales office business management system, the storage unit requests a cashier process as a component corresponding to a process required for a corresponding job for a predetermined job related to a cashier or a cashier of a cashier or a securities in a cashier. Stores a component group including at least a component that is received from a terminal in a store and manages by assigning a serial number for each transaction data corresponding to the corresponding request, and the flow definition information, and the calculation unit is a terminal in the store The communication unit receives a message requesting processing of the predetermined job, specifies the flow definition information corresponding to the predetermined job indicated by the message in the storage unit, and stores necessary components according to the specified flow definition information From the terminal and accepts a request for the cashier process from the terminal, the cashier Intermediating the transaction process at the bank, adding a serial number to the transaction data corresponding to the corresponding transaction process in the cash accounting machine and storing the transaction data in the storage unit, and reading the transaction data stored in the storage unit for a predetermined period , A process for checking the correspondence between each depositing process by serial number and the consistency of the depositing / dispensing amount may be executed. In addition, it is good also as a cash accounting machine performing all the processes of such a branch office business management system. That is, in this case, the cash accounting machine is included in the concept of the sales office business management system.

10 card 50 IC card reader 60 biometric authentication device 61 touch panel 62 electronic pen 63 camera 64 microphone 65 scanner 100 store business management system 101 storage unit 102 program 103 memory 104 arithmetic unit 105 input unit 106 output unit 107 communication unit 110 component 120 flow Definition information 140 Network 200 Account system 300 Information system 400 ATM
410 Cashier 420 Cash accounting machine 430 Handy terminal 440 General-purpose terminal 450 Thin client terminal 500 Person in charge terminal 550 Authority terminal 600 Communication printer

Claims (7)

A communication unit that communicates with other devices via a network;
A storage unit storing a component corresponding to a predetermined process at a financial institution's branch, and flow definition information describing an execution order of components necessary for each business;
A communication unit receives a message from a predetermined device at a sales office, identifies flow definition information corresponding to the task indicated by the message in the storage unit, and sequentially reads necessary components from the storage unit according to the identified flow definition information. Processing to be executed,
A calculation unit that executes a process of transmitting an execution result of the component relating to the business as data of a web page in accordance with a protocol of the network to the predetermined device;
A store management system characterized by comprising: The storage unit
For a predetermined business that requires a written form that has been filled in and stamped by the customer, a component that authenticates the customer's identity as a component corresponding to the processing required for the business, and a request for inputting the required information and obtaining the relevant information A component group that includes at least a component that performs and flow definition information are stored,
The computing unit is
The communication section receives a message requesting processing of the predetermined job from a customer contact terminal in a sales office, specifies flow definition information corresponding to the predetermined job indicated by the message in the storage unit, and specifies the specified flow definition information Read the necessary components from the storage unit according to
Request the information for user authentication of the corresponding customer from the terminal and acquire the information, and verify the information for authentication with the authentication information for each customer previously stored in the storage unit, or an authentication system on the network Send the request as an authentication request to obtain the authentication result and perform the identity verification of the customer,
If the user authentication is successful, the input request for the necessary items is returned to the terminal, the corresponding information is acquired from the terminal, and the processing of the predetermined task is executed using the acquired information.
The sales office operation management system according to claim 1. The computing unit is
The communication section receives a message requesting processing of the predetermined job from a customer contact terminal in a sales office, specifies flow definition information corresponding to the predetermined job indicated by the message in the storage unit, and specifies the specified flow definition information Read the necessary components from the storage unit according to
Request the information for user authentication of the corresponding customer from the terminal and acquire the information, and verify the information for authentication with the authentication information for each customer previously stored in the storage unit, or an authentication system on the network Send the request as an authentication request to obtain the authentication result and perform the identity verification of the customer,
If the user authentication is successful, the customer information registered for the customer is read from the storage unit and sent to the terminal together with the input request for the necessary items, and processing for obtaining the necessary item information from the terminal,
With respect to the processing conditions that can be selected by the customer regarding the predetermined job, which is stored in advance in the storage unit, the acquired information on the necessary items and the customer information of the corresponding customer are collated to identify the next processing, and the corresponding processing The process of inputting the necessary information to be acquired and the process of acquiring the relevant information is repeatedly executed until the predetermined job is completed.
The sales office operation management system according to claim 2. The storage unit
Approval process for the specified job is accepted as a component corresponding to the process required for the relevant job for the given job that requires approval process and authorization by the authorized person, and notification of the application items to the authorized person regarding the relevant job and the authorized person Stores a component group that includes at least the component that accepts the approval result from and the flow definition information,
The computing unit is
The communication unit receives a message requesting processing of the predetermined job from the terminal of the person in charge at the sales office, specifies flow definition information corresponding to the predetermined job indicated by the message in the storage unit, and specifies the specified flow definition information Read the necessary components from the storage unit according to
The application for approval regarding the predetermined task is received from the terminal, the notification of the application item to the authority's terminal regarding the corresponding job is executed, and the approval result for the application item is received from the authority's terminal and received here. When the approval result includes information on granting authority to the person in charge, the predetermined job process is executed.
The sales office operation management system according to any one of claims 1 to 3. The storage unit
As a component corresponding to the processing required for the relevant business for cash and securities, etc., for the specified business related to cash and securities, transaction data corresponding to the relevant request is received from the terminal in the branch office. A component group including at least components managed by assigning a serial number for each, and flow definition information are stored.
The computing unit is
The communication unit receives a message requesting the processing of the predetermined job from a terminal in the sales office, specifies flow definition information corresponding to the predetermined job indicated by the message in the storage unit, and is necessary according to the specified flow definition information. Read components from storage and execute them sequentially,
The request for the cashier process is received from the terminal, and the brokerage process is performed between the terminal and the cashier, and a serial number is assigned to the transaction data corresponding to the cashier process in the cashier. Processing to store in
The transaction data for a predetermined period stored in the storage unit is read, and a process for checking the correspondence between each accounting process by serial number and the consistency of the accounting amount is executed.
The sales office operation management system according to any one of claims 1 to 4. A memory that stores a communication unit that communicates with other devices via a network, components that correspond to predetermined processing at sales offices of financial institutions, and flow definition information that describes the execution order of components required for each business And a computer equipped with a calculation unit,
A communication unit receives a message from a predetermined device at a sales office, identifies flow definition information corresponding to the task indicated by the message in the storage unit, and sequentially reads necessary components from the storage unit according to the identified flow definition information. Processing to be executed,
A process of transmitting an execution result of the component related to the business to the predetermined device as web page data in accordance with the network protocol,
A branch office management method characterized by executing. A memory that stores a communication unit that communicates with other devices via a network, components that correspond to predetermined processing at sales offices of financial institutions, and flow definition information that describes the execution order of components required for each business And a computer equipped with a computing unit,
A communication unit receives a message from a predetermined device at a sales office, identifies flow definition information corresponding to the task indicated by the message in the storage unit, and sequentially reads necessary components from the storage unit according to the identified flow definition information. Processing to be executed,
A process of transmitting an execution result of the component related to the business to the predetermined device as web page data in accordance with the network protocol,
A branch business management program characterized by being executed.

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