JP2013148978A - Bank clerk support type counter reception system and counter processing method - Google Patents

Abstract

Provided is a clerk support-type window reception system capable of providing efficient support to customers regarding payment of taxes, utility charges, and other various charges, and reducing the burden on financial institutions.
A sales store system includes a counter reception terminal 210 having a front terminal 211 for a clerk connected to a store server and connected to each other and a customer terminal, and 212A between the front terminal 211 and the customer terminal. 212B are provided with a payment medium reader and a self-scanner 2123, which displays a business procedure support screen on the front terminal 211 for the clerk, and information on transaction related documents read by the reader 2122 and the scanner 2123. A function to generate matter processing data by adding information related to administrative procedures including information and fees, a function to display it on the screen, a function to accept corrections, and send the matter processing data to a higher-level information processing device to process the accounting system And a transmission function for executing.
[Selection] Figure 1

Description

  The present invention relates to a clerk support-type window reception system and window processing method, and in particular, accepts deposits, withdrawals, tax payments, transfer request forms, etc. in a store of a financial institution on a customer basis, and if necessary This relates to the processing method of the clerk support-type window reception system supported by the bank clerk.

  In payment of taxes, utility charges and other various charges, payment evidence documents are the payments made at the financial institution using the transfer request form in the form specified by the recipient, and the receipt of the financial institution is stamped on this transfer request form It may be used as In addition, for deposits, payments, and transfer request forms, procedures without slips have become widespread due to the spread of Internet banking and ATMs. In particular, corporate customers tend to use these slips and store them as documentary evidence of the procedures. There are many cases where transactions are carried out by bringing slips to bank counters.

  However, when a financial institution is busy, customers who ask bank employees may wait for a long time at the counter. Also, for financial institutions, each bank employee is not necessarily familiar with the transfer business related to various fields such as taxes and various charges, and it is necessary to automate and rationalize these services.

  Against this backdrop, a processing method has been developed that improves the counter service for the payment of taxes and public charges and the payment of various charges.

  For example, in Patent Document 1, a request determination unit that receives a transfer request document requested by a customer, an execution determination unit that automatically determines permission / prohibition of transfer execution according to the transfer request document, and permission determination are made. In this case, there is disclosed a transfer request processing device using an image ATM, which includes a transfer execution instruction means for outputting an instruction to execute a transfer process to a payee account. In determining whether or not to execute, the transfer request form is obtained when the image data of the transfer request form read by the image reading unit and the request form definition data stored in the request form directory in advance match both data. Determined to be valid.

  Patent Document 2 discloses an automatic transaction support system that can provide appropriate advice to a customer who uses an automatic transaction apparatus while monitoring the operation status of the automatic transaction apparatus to which the employee is assigned by a terminal. It is disclosed. In this automatic transaction support system, a clerk can also perform proxy input of an automatic transaction apparatus used by a customer via a terminal.

  Further, in Patent Document 3, in a proxy storage system using a Pay-easy system, a scanner unit is provided in an ATM box, and a barcode printed on a transfer slip brought in by a customer is read. An example of reducing the burden on the customer is disclosed.

JP 2003-132398 A JP 2010-122844 A JP 2011-248417 A

  In this way, in recent financial institutions, counter operations are automated for the payment of taxes, utilities, and other charges, reducing customer operations or reducing the burden on sales representatives at sales offices. is there.

  However, conventional technology is still not sufficient for both customers and financial institutions. For example, in the invention of Patent Document 1, in order to determine whether the inputted transfer information is valid, the image data of the transfer request document read by the image reading unit and the request document definition data in the database are collated one by one. The automatic determination of whether to execute is performed. However, there is a limit to the recognition accuracy of image data in the image reading unit, an error associated with erroneous recognition is likely to occur, and there is a problem of hindering customer support.

  Further, in the invention of Patent Document 2, a bank employee supports an automatic transaction apparatus used by a customer himself, and an input office work of a bank employee of a financial institution is still necessary, which is a burden on the entire financial institution. The reduction is not enough.

  Furthermore, in the invention of Patent Document 3, since the customer operates the ATM alone and uses the page system or the like, it is a burden on the customer who is not used to the operation. In addition, it is desirable that the forms handled at the window of financial institutions include not only Paige but all tax public money forms as well as forms other than tax public money such as private transfer request forms.

  The present invention solves the above-mentioned problems of the prior art, and is not limited to payment of taxes, public charges, and other various charges (hereinafter referred to as tax public money), but is the main business of the bank high counter window, such as deposit, withdrawal, transfer, etc. An object of the present invention is to provide a bank support system and a window processing method that can efficiently support customers and reduce the burden on financial institutions.

  An example of a representative example of the present invention is as follows. The clerk support type window reception system of the present invention is a window reception system that performs various processes through an automatic transaction apparatus, and a business store system having a plurality of the automatic transaction apparatuses and a store server has a fee system via a network. The sales store system includes a store server and at least one window reception terminal connected to the store server, and the window reception terminal is configured to receive and withdraw money. A terminal for supporting bank high-counter window processing relating to a transaction including at least one of tax public money and transfer, and a front terminal for a bank employee and a terminal for a customer connected to each other, the front terminal And a customer's terminal are installed with a money payment medium reader and a self-scanner. A function for reading transaction-related documents, a function for conveying, and a function for determining which business procedure is performed according to the read result. The front terminal receives an input from the terminal for the customer and receives a business procedure support screen. And displaying the information on the front terminal, and the business procedure support screen includes information on the transaction related documents and the money payment medium read by the money payment medium reader and the self-scanner. A function for generating information on the procedure and information on the fee to generate the case processing data, displaying the case processing data, a function of accepting correction by a verify key for the case processing data displayed on the front terminal, The function to register the matter processing data in the database and the registered matter processing data to the upper information Feed sense device, characterized in that it comprises a transmission function to perform the processing of accounting system.

  According to the present invention, it is possible to reduce the burden on the bank and to reduce the burden on the bank by providing efficient support to the customer regarding the bank high counter window office work.

It is a lineblock diagram of a staff support type window reception system concerning Example 1 of the present invention. It is a figure which shows the example of arrangement | positioning of the terminal etc. in the building of the business store of a financial institution suitable for applying the employee support type | formula reception desk reception system of this invention. It is an operation | movement flowchart of the employee support type | formula reception desk reception system of Example 1. FIG. It is an operation | movement flowchart of the employee support type | formula reception desk reception system of Example 1. FIG. It is a figure which shows an example of the standby screen of the display panel of the terminal for customers in Example 1. FIG. It is a figure which shows an example of the standby screen of the display panel of the terminal for employees in Example 1. FIG. It is a figure which shows an example of the screen of the "selection of a payment source" displayed on the terminal for customers for the entry of transaction contents. It is a figure which shows an example of the screen of the state by which the transaction content entry was made. It is a figure which shows the example of a "cash card" set of the screen of a customer terminal. It is a figure which shows the example of the "payment notice" set of the screen of a customer terminal. It is a figure which shows the example of "identification confirmation material" presentation of the screen of a customer terminal. It is a figure which shows the example of a display of the response procedure of the screen of the terminal for clerk. It is a figure which shows the example of a display of a commission etc. on the screen of the terminal for a clerk. It is a figure which shows the example of the display which accepts corrections, such as "contact address" of the screen of a customer terminal. It is a figure which shows the example of the input result displayed on the screen of a customer terminal. It is a figure which shows the example of the alert display of "receipt of a payment stub / receipt" on the screen of a bank terminal. It is a block diagram of a staff support type | mold window reception system based on Example 2 of this invention. FIG. 10 is an operation flow diagram of the employee support type window reception system in “Tax Payment” in the second embodiment. FIG. 10 is an operation flow diagram of the employee support type window reception system in “Tax Payment” in the second embodiment. It is a figure which shows the example of a display of the "passbook" set of the screen of the customer terminal in Example 2. FIG. It is a figure which shows the example of a display of the "slip" set of the screen of a customer terminal in Example 2. FIG. FIG. 10 is an operation flow diagram of a clerk support type window reception system in “transaction by check processing” in the second embodiment. FIG. 10 is an operation flow diagram of a clerk support type window reception system in “transaction by check processing” in the second embodiment.

  Hereinafter, a staff support type window reception system according to the present invention will be described in detail with reference to the drawings. In addition, there are “payment notice”, “slip”, and the like as payment targets. In the present invention, these are collectively referred to as “transaction related documents”.

  A first embodiment of a clerk support type window reception system according to the present invention will be described with reference to FIGS. In this embodiment, an example will be described in which an individual customer pays tax public money from an account of a financial institution. The media to be used shall be cash cards, tax payments, and identity verification materials. Of course, it goes without saying that an individual customer can use cash, a bankbook, a bank account, etc. as a money payment medium instead of a cash card. Here, an explanation will be given by taking an example of a business procedure using a cash card. In addition, with regard to payment related documents, which are transaction related documents, all tax public money forms such as bar code forms are targeted, and forms other than tax public money are also handled. In other words, all forms accepted at bank counters such as private transfer request forms are targeted.

  First, with reference to FIG. 1, FIG. 2, the outline | summary of the staff support type | formula reception system which concerns on a present Example is demonstrated. FIG. 1 is a configuration diagram of an automatic transaction system including a staff support type window reception system according to the present embodiment. This employee support type window reception system is a part of an automatic transaction system of a financial institution. In the automatic transaction system, a center system that supervises the entire automatic transaction of financial institutions and a sales store system equipped with a plurality of automatic transaction devices are connected via a network, and various automatic transactions are performed via individual automatic transaction devices. Is configured to do. In the automatic transaction system, the server 201 of a plurality of business stores 200 (200A to 200N) is provided with a plurality of automatic transaction devices in each business store via the network 300 with respect to the host system 100 (center system). A system is constructed, and various financial services can be provided to customers using this financial institution.

  The host system 100 is connected to the store server 201 of each sales store 200 via a HUB server, and comprehensively manages all information in the financial institution. The host system 100 includes an automatic transaction management server 111, a store management server 112, a customer management server 120, a fee system server 130, a billing system host 140 and other servers, and a customer management database for comprehensively managing all customer information. 150, a fee database 160, and the like.

  The store server 201 is connected to an information processing device such as each server in the store to constitute a sales store system, and stores a terminal management function 2011 for managing each device, a store communication management system 2012, a customer A management database 2013 is provided. Connected to the store server 201 are a counter back transaction terminal 203 serving as a counter transaction terminal, a high counter 204, an ATM corner 209, and at least one counter reception terminal (interactive counter terminal) 210. The counter transaction (high counter) terminal 204 includes a case data processing / registration function 2041, an authentication data processing function 2042, a fee automatic calculation function 2043, a communication function 2044, a case management database 2045, and the like. The arrangement and configuration of each server are not limited to this example.

  The window reception terminal 210 is an interactive terminal for supporting bank high counter window paperwork related to transactions, and is connected to a bank terminal (front terminal) 211 and a plurality of customer terminals 212A and 212B. It is configured so that one employee terminal 211 can handle a plurality of customer terminals. Accordingly, a clerk in charge of the front terminal 211 provides appropriate services to customers who use the clerk support type window reception system while monitoring the operation status of each customer terminal assigned to the front terminal on the display panel. Can be provided.

  The front terminal 211 of the window reception terminal 210 includes a touch panel display panel 2111 having a GUI function and functioning as an input / output unit, a personal authentication scanner 2112, a control unit 2113, and the like. The control unit 2113 includes a case data processing function 2114, a user cooperation processing function 2115, a communication function 2116, and the like. The front terminal 211 or other terminals in the store also include a database (not shown) for providing information that the employee wants to refer to regarding payment of tax public money.

  Each of the customer terminals 212 (A, B) of the window reception terminal 210 includes a touch panel display panel 2121 (A, B) and a control unit (not shown) having a GUI function and functioning as input / output means. ing. A card reader 2122 and a self-scanner 2123 are installed between the front terminal 211 and each customer terminal 212. The card reader 2122 can provide various kinds of information via an ID card (individual authentication card) provided to a customer by a financial institution. This ID card has various information such as customer personal information (password (identification number), biometric information (finger vein information, etc.), financial institution code, customer account number, name, etc. as electrical signals in the IC chip. An automatic transaction apparatus such as a card reader 2122 or a cash deposit / payment machine (ATM) 209 for paying out or depositing cash is processed mainly by the automatic transaction management server 111 of the host system 100. For example, a transaction screen displayed on the display panel 2121 of the customer terminal 212 is generated by the automatic transaction management server 111, and accepts various operation inputs of the customer from this transaction screen.

  In order to realize the above functions of the front terminal 211 of the window reception terminal 210 and the customer terminal 212 (A, B) with a computer, various programs and image data are stored in a storage device (not shown) of the window reception terminal 210. ).

  FIG. 2 shows an example of the layout in the building of a business store 200 of a financial institution suitable for applying the present invention and the arrangement of terminals and the like. As terminal devices of each business store, there are a store server 201, a counter back transaction terminal 203, a high counter 204, at least one counter reception terminal 210, and the like. There is an ATM corner 209 in the building 230 of the business store 200 and in front of the entrance 231. On the right hand side inside the entrance are a store server 201 that manages various information in the store, a counter back transaction terminal 203 that serves as a counter transaction terminal, and a counter transaction (high counter) terminal in which a bank employee performs various services related to transactions. 204, there is a consultation table terminal 205 for responding to various types of customer consultations and for recommending business negotiations to customers by customers, and an information table terminal 206 for providing various types of information to customers. In the back of the room, there is a consulting booth 207 for various customer consultations. On the left hand side inside the entrance, there is a reception terminal 208 that manages the entrance and exit of the customer's store and a window reception terminal 210.

  In the following explanation, only the portion directly related to the bank support system for accepting a reception desk which is a feature of the present invention in the automatic transaction system of the financial institution will be described, and regarding the configuration of other parts of the automatic transaction system, The description related to the automatic transaction support system of Patent Document 2 is incorporated, and detailed description is omitted.

  The window reception terminal 210, which is the center of the bank support type window reception system, is a terminal for supporting bank high-counter window paperwork related to deposits, withdrawals, tax money, and transfers. In this embodiment, in the bank high-counter window paperwork, transfer request processing related to payment of customer's tax public money is taken as an example of automatic transaction work related to payment of taxes, public charges, and other various charges (tax public money) An example of support will be described. However, although the above example will be explained, it is inconvenient if a customer who visits for the purpose of paying tax public money, for example, makes a transaction such as private deposit / withdrawal / transfer, etc. is there. Therefore, the window reception terminal 210 according to the present embodiment can cope with operations other than these tax public money payment operations. In other words, even if a customer who has come to the store for payment of tax public money does not move to another terminal, substantially all the transaction operations required for the customer can be processed.

  Further, in the case of this example, the window reception terminal 210 is specialized in automatic transaction business related to payment of tax public money, and therefore, a bank employee who is responsible for this front terminal is preferably a person who is familiar with payment of tax public money.

  In the customer terminal 212, a card reader 2122 is a payment medium reader having a function of reading and transporting a money payment medium. The reader of the payment medium has a function of taking in and transporting the inserted cash card and an information reading function of reading customer information such as a financial institution code, a customer account number, and a name stored in the cash card. That is, by making a transaction by a cash card via the card reader 2122, customer information is supplied to the store server 201 via the case data processing function 2114. In addition, authentication by the customer's PIN will be performed to reduce the number of stamp verification operations by bank employees.

  Further, in the present invention, on the premise of a transaction related document to the self-scanner 2123 by the customer himself, here, a payment slip is set, scanning is performed by automatic conveyance of the payment slip from the terminal 212 to the front terminal 211, and to the clerk side. Transport. At the front terminal 211, the bank employee receives this payment notice. During this time, electronic data such as a character code string is automatically generated from the image of the payment slip along with its form by recognition of characters, numbers, symbols, marks, etc. using an OCR (Optical Character Reader), camera, etc., and output to the display panel 2111. To do. That is, the self-scanner 2123 includes a conveyance function for taking in and inserting the inserted payment notice, a barcode reader for reading a barcode printed on the payment notice, an OCR function for recognizing a table format of characters and payment notices, and It has a function to print payment slips. Further, the self-scanner 2123 has a function of determining which office procedure is based on the read result, and a database holding information on office procedures necessary for this determination. The bar code reader, OCR, and the like acquire various types of information including payment issuer information, payment amount information, payment deadline, and the like. In other words, by the recognition processing such as OCR for the image data, the data required for the processing of the tax payment process and the data of only the value are extracted and generated, and these data are held in the storage means such as a buffer, These data are supplied to the case data processing function 2114 of the front terminal 211.

  The window reception terminal 210 determines the type of payment document, which is a transaction-related document, and determines whether or not it is necessary for a bank employee to support, and a database holding information necessary for this determination It has. For example, many payment documents with a Pay-easy mark can automatically perform payment and payment based on the data by recognizing these codes and marks. For the payment notice in such a case, the support of the front terminal 211 is unnecessary.

  For each payment slip determined to be supported by a bank clerk, the matter data processing function 2114 processes these data obtained via the card reader 2122 or the self-scanner 2123, and performs a paperwork on the touch panel display panel 2121. It is displayed as a support screen (here, a payment slip input screen). The case data processing function 2114 has a function of combining image data and electronic data of a transaction related document read by the self-scanner 2123, automatically generating electronic data such as a document together with its format, for example, a form format, and outputting it. That is, a payment form, character information, code information, and the like are displayed on the input screen together with information selected and input by the customer.

  For each transaction-related document (payment form) that is determined to be supported, the bank employee verifies the information on the character code string read by the self-scanner and recognized by the OCR while verifying it against the actual payment form that has been automatically conveyed. Perform keystrokes. For example, when there is little information for finalizing the amount, such as a form without a barcode, the bank key is used to verify the amount by verifying the key. The data generated on the payment slip input screen in this way is also displayed on the customer's screen, and if there is a correction, it is accepted. With respect to the payment notice, the subsequent “error” is suppressed by performing an interactive input process including a verification key that is collated with the actual product. When customer confirmation is obtained, it is registered in the storage means such as the case management database 2045 of the high counter 204 as “case processing data”, and this “case processing data” is transmitted to an information processing device such as a host terminal or server. Based on this, the payment processing procedure is executed.

  Further, the front terminal 211 reads the barcode of the payment slip with a barcode reader, generates “matter processing data”, and then captures the payment amount from the customer 1 based on this “matter processing data”. A function of issuing receipts and generating storage completion information. The receipt is sent to the customer 1 via the self scanner 2123.

  An information processing device such as a higher-level terminal or server captures and stores storage completion information, and performs a settlement process corresponding to “matter processing data” on a settlement date determined for each payment slip issuing company.

  Hereinafter, with reference to FIG. 3 (FIG. 3A, FIG. 3B) to FIG. 14, the staff support type | formula reception system of Example 1 is demonstrated in detail. FIG. 3 is an operation flowchart of the staff support type window reception system according to the first embodiment.

  First, a standby screen is displayed on each of the customer terminals 212A and 212B (S401, S421). FIG. 4 shows an example of a standby screen of the touch panel display panel 2121 of the terminals 212A and 212B. From this screen, the customer 1 selects the type of transaction displayed on the standby screen (S402).

  Hereinafter, an example in which the customer 1 performs “tax / various fee payment” using the employee support type window reception system at the terminal 212A will be described (S403). On the other hand, a list of the states of customers 1 and 2 is displayed on the standby screen as shown in FIG. 5 on the touch panel type display panel 2111 of the employee terminal 211 (S431, S432). That is, the terminal 212 and the front terminal 211 are processed in cooperation by the user cooperation processing function 2115, and necessary display is performed on each display screen.

  Customer 1 enters the transaction details (S404). FIG. 6A to FIG. 6B show an example of a “payment source selection” screen of the terminal 212 for entry of transaction details. Here, first, cash (cash card) is selected from the screen of FIG. 6A, the payment amount of the payment source, the account number, etc. are input on the subsequent screen (not shown), and further as shown in the screen of FIG. 6B. It is assumed that the transaction details have been entered. In this example, the transaction details are such that one transfer, one tax payment, and one cash withdrawal are made from one bank A account. Customer 1 does not need to complete a transfer slip for entry.

  When the bank terminal 211 accepts an entry of the transaction details of the customer 1 (YES in S433), the screen changes to a payment slip input screen, the customer 1 screen is displayed on the front, and the customer 2 screen is displayed rearward ( S434). On this payment slip input screen, the input state of the customer 1 is displayed. Next, a “cash card” set as shown in FIG. 7A is displayed on the screen of the terminal 212A (S405). The cash card information is read by a card reader and sent to the clerk terminal 211, and the cash card itself is also conveyed to the clerk terminal 211. Further, a “payment form” set as shown in FIG. 7B is displayed on the screen 2111 of the terminal 212A (S406). Further, the balance of the transaction amount is also displayed on the screen 2111 of the terminal 212A (S407). When the customer 1 sets the payment slip at a predetermined position, the information on the payment slip is read by the self-scanner and sent to the clerk terminal 211, and the payment slip itself is also conveyed to the clerk terminal 211.

  Next, a display requesting that the “identity confirmation document” shown in FIG. 8 be presented to the clerk is made on the screen of the customer 1 (S408), and the screen of the terminal 211 for the clerk displays “the identity confirmation document”. An “receive” alert is displayed (S435). The clerk who receives the “identification document” from the customer 1 by hand reads the “identification document” with the scanner (S436), and the “identification record” is automatically generated (S437). At this time, on the screen of the staff terminal 211, the staff handling procedure as shown in FIG. 9 is displayed. An alert for performing a verify input is also displayed. In accordance with this procedure, the clerk receives the driver's license and the Juki card by hand from the customer, and reads the image of the information by the identity authentication scanner 2112 of the front terminal 211. Then, the case data processing function 2114 automatically creates electronic data for personal identification records. In other words, since the personal identification record slip can be automatically created with the license or the Juki card, the burden on the clerk office work can be reduced. The fee can also be electronically drafted.

  Further, an alert for performing a verification input as shown in FIG. 9 is also displayed on the screen of the employee terminal 211. Therefore, the clerk performs verification keying on an error or an unrecognizable item regarding the information read by the scanner and converted into data such as letters and numbers by the OCR (S438). The clerk performs an input operation such as correction / verification for document data, a barcode, a page mark, and the like on the display panel 2111. In other words, if there is an amount, a due date, a payee / payee, etc. that could not be accurately recognized by OCR, the bank employee corrects these items to correct data based on the actual description on the payment slip.

  Note that many payment forms with bar codes and pay-easy marks can automatically make payments and payments based on these data by recognizing these codes and marks. With respect to a case in which the employee can automate the process without being involved in the verify operation or other processes, the terminal 211 for the employee is displayed. As a result, the employee is not substantially involved in such a case, and the burden on the employee is reduced.

These series of operations are repeated until the input is completed (S439).
When the input is completed, the “identification document” is returned to the customer 1 by hand.

On the other hand, the clerk terminal 211 automatically calculates a fee based on the input and corrected data. (S440). As shown in FIG. 10, since the balance of the transaction amount is displayed on the screen 2111 of the terminal 211 for the clerk as well as the fee, the deadline, etc., the clerk is clearly determined by judging the items displayed on the screen. If there is a matter that seems to be a mistake in the customer, the customer can directly confirm with the customer 1 and correct the written matter as necessary. During this time, a “processing standby screen” indicating that processing is in progress is displayed on the screen of the customer 1 (S412). As an example of the “processing standby screen”, a screen for accepting corrections such as “contact” as shown in FIG. 11 may be displayed, and if there is a response, it may be corrected as needed.
By performing an interactive input process including a verification keystroke on the payment slip, the number of processes that can subsequently become “error” can be greatly reduced.

  Then, for example, an input result as shown in FIG. 12 is displayed on the screen of the customer 1 (S441), and the customer 1 is requested to confirm the transaction content (S410). When the customer 1 presses the confirmation button (YES in S411), “item processing data” is confirmed and registered in the database, and a transaction based on the item processing data is executed. That is, when the transaction content shown as “matter processing data” is confirmed by the customer 1, it is possible to determine the storage organization, deadline, amount, etc., and to determine the fee / arrearage fee of the payment slip. This “matter processing data” is registered in the case management database 2045, and this “matter processing data” is transmitted to an information processing device such as a higher-level server to execute accounting processing (S442). That is, the items described in the payment notice such as the amount, the due date, or the payment / payment destination, which have been corrected and confirmed, are sent to the store server 201 via the communication function 2116, The predetermined processing is performed by each of the information processing devices that are higher than or related thereto.

  During this time, “in progress” is displayed on the screen of the customer 1 (S412). When the account processing is completed (YES in S443), “payment stub / receipt return” is displayed as an alert on the bank terminal 211 (S444), and the screen of the customer 1 is as shown in FIG. , “Receipt of payment stub / receipt” from the employee is displayed as an alert (S413). In response, the bank employee stamps the storage stamp on the payment slip and returns the stub and receipt to the customer by hand (S445). Furthermore, an alert message “Receive cash card” is displayed on the screen of the customer 1 (S414), and the bank employee returns the cash card via the card reader (S446). As a result, the entered transaction is terminated, so that “transaction complete” is displayed on the screen of the customer 1 (S415), and a transition is made to the standby screen (S416). On the other hand, the employee terminal 211 also changes to the standby screen, and displays a list of the states of customers who are doing business (S447).

  According to the present embodiment, it is possible to reduce the burden on the bank and reduce the burden on the bank by providing efficient support to the customer regarding the bank high counter window office work.

  In other words, an individual customer does not need to fill out a transfer slip, only follows simple instructions and operations according to the instructions on the screen of the terminal, and waits for a long time even without knowledge for the transfer of tax public funds. Without fail, the transfer procedure can be performed reliably. On the other hand, since the individual customer performs the cash card reading, the payment document reading, the content confirmation, and the procedure execution by himself, the administrative burden on the bank staff related to these is reduced. Also, by automatically calculating arrears fees and handling fees based on the OCR recognition results of each payment slip, it is possible to improve the clerical work and reduce the administrative burden. In particular, regarding the OCR recognition result, by performing interactive input processing including verification key entry, the number of processes that may become “error” in the subsequent steps can be greatly reduced.

  In addition, according to the present embodiment, OCR recognition and system management are performed for each tax public deposit payment document at the front terminal, so that the necessary tax public money delivery slip creation is automatically created at the terminal (upper) terminal etc. behind the front terminal. It is possible to reduce the burden of back office work. In addition, the individual customer can realize the omission of the slip of the “tax / utility payment request form” by using the OCR recognition result of each payment form.

  In addition, by determining whether or not it is necessary to support a bank clerk for each payment slip, all forms can be handled regardless of whether or not there is a page. Thereby, it is possible to systematically realize that an employee who has to intervene is notified of the intervention to the employee by an alert. Therefore, on the customer side, since this is a page, it is not necessary to determine whether or not to perform processing using an ATM that can be handled by page. In particular, there are many cases where a page and other forms are brought together at the counter, so that the system can make such a determination and notify the bank staff of items that cannot be processed by the system alone. In this respect as well, the burden on the customer can be reduced and the administrative burden on the bank side can be reduced.

  Next, with reference to FIGS. 14 to 17B, a second embodiment of the employee support type window reception system according to the present invention will be described. In this embodiment, an example will be described in which a corporate customer pays tax public money from an account. The media to be used shall be a passbook, tax / utility payment request form, refund request form, and tax payment form. In addition, although the bank terminal 211 and the customer terminal 212 are in a one-to-one relationship, it goes without saying that the relationship may be in a one-to-many relationship.

FIG. 14 is a configuration diagram of a staff support type window reception system according to the second embodiment. FIG. 15 (FIG. 15A, FIG. 15B) is an operation | movement flowchart of the employee support type | formula reception system of Example 2. FIG. In the second embodiment, instead of the card reader of the first embodiment, a self-passbooker 2124 having a passbook reading, automatic conveyance, and printing function is adopted. The clerk terminal 211 is provided with a seal collation function 2117. Of course, as a money payment medium, it is needless to say that the card reader shown in the first embodiment is also provided so that a corporate customer can also use a cash card for money payment. This section describes the payment of tax public money using a passbook. Regarding the configuration of the automatic transaction system including the employee support type window reception system of the present embodiment, the description of the same parts as those of the first embodiment will be omitted.
[Payment of public tax]
It is assumed that a corporate customer who intends to pay tax public money will bring a passbook / slip. The “passbook” set as shown in FIG. 16A is displayed on the screen of the terminal 212 (S1405). The passbook information is read by the self-passbook machine and sent to the clerk terminal 211, and the passbook is also conveyed to the clerk terminal 211. Further, a “slip” set as shown in FIG. 16B is displayed on the screen 2111 of the terminal 212A (S1406). When the corporate customer sets the slip at a predetermined position, the information on the slip is read by the self-scanner and sent to the clerk terminal 211, and the slip itself is also conveyed to the clerk terminal 211. A voucher with a bar code / pay-mark can recognize payment of these codes and marks to automate payment based on the data. The window reception terminal 210 has a function of determining the type of payment slip and determining whether or not it is necessary for the employee to support the payment slip.

Next, on the customer's screen, a display requesting that the “identity confirmation document / seal” be presented to the clerk is made for the case that the clerk needs to support (S 1408), and the screen of the clerk terminal 211 is displayed on the screen. An “Receive identity verification document” alert is displayed (S1435). The clerk who has received the “identification document / seal” by hand from the customer reads the “identification document” with the scanner (S436), and the “identification record” is automatically generated (S437). The bank employee uses the terminal 211 to verify the OCR-recognized slip (S438) and calculate the fee (S440). The fee may be an electronic draft. Further, a seal verification is performed (S1440). This seal verification and signature verification are automatically promoted on the clerk terminal 211 side in cooperation with the host system 100 via the store server 201. When the customer 1 presses the confirmation button (YES in S411), “item processing data” is confirmed and registered in the database, and a transaction based on the item processing data is executed. This “matter processing data” is registered in the database, and further, this “matter processing data” is transmitted to an information processing device such as a higher-level server to execute accounting processing (S442). When the account processing is completed (YES in S443), an “Receipt / Receipt Return” alert is displayed on the clerk's terminal 211 (S1444), and “Receipt Receipt” from the clerk is displayed on the customer's screen. An alert is displayed (S1413). In response to this, the bank employee stamps the storage mark on the payment slip and returns the stub to the customer by hand (S1445). Further, an alert message “Reception of bankbook” is displayed on the customer's screen (S1414), and the bankbook is returned via the self-bankbook machine (S446). “Transaction completed” is displayed on the customer's screen (S415), and a transition is made to the standby screen (S416). On the other hand, the clerk terminal 211 also shifts to the standby screen, and displays a list of the states of customers who are dealing (S447).
[Withdrawal from account]
In the above description, the processing related to the payment of tax public money has been described. However, as another example of transaction, the processing for withdrawal from an account will be described below. Here, an example is shown in which processing is performed using a passbook and a refund invoice, but it goes without saying that the procedure can be performed using a cash card. Description of the contents already described above will be omitted, and only the differences will be described using the flows and symbols shown in FIGS. 15A and 15B.

It is assumed that a customer who wants to withdraw cash brings in a passbook / refund invoice (slip). In this case as well, the procedure proceeds in the same manner as the flow shown in FIGS. 15A and 15B. However, the difference from the payment of tax public money is that the “slip” is read by the self-scanner and the “refund invoice” is performed in the procedure corresponding to S434. It is a point which changes to "input screen" and displays the input state of customer 1. Further, when the input is completed in the procedure corresponding to S443, “passbook return” is displayed as an alert in the procedure corresponding to S1444, and “passbook” is returned in the procedure corresponding to S1446. Here, instead of handing the above-mentioned “receipt”, “receipt” is output from the self-scanner here, and “receipt receipt” is displayed on the customer 1 screen as an alert in the procedure corresponding to S1413. Become.
[Transfer from account]
Next, a transfer process from an account will be described below as another example of transaction. Here, an example is shown in which processing is performed using a passbook, refund invoice, and transfer request form, but it goes without saying that the procedure can be performed using a cash card. Description of the contents already described above will be omitted, and only the differences will be described using the flows and symbols shown in FIGS. 15A and 15B.

It is assumed that a customer who intends to transfer money from an account brings in a passbook / refund invoice and a transfer request form (slip). In this case as well, the procedure proceeds in the same way as the flow shown in FIGS. 15A and 15B. However, the difference from the payment of tax public money is that the “slip” is read by the self-scanner and the procedure corresponding to S434 is performed in the {refund invoice and It is a point which changes to a transfer request form input screen} and displays the input state of the customer 1. Further, when the input in the procedure corresponding to S443 is completed, an alert message “Return passbook / transfer money receipt” is displayed in the procedure corresponding to S1444, the passbook is returned, and the transfer receipt is handed over from the bank employee (S1445, Procedure corresponding to S1446). At this time, on the screen of the customer 1, an “Receipt of money transfer receipt” is displayed as an alert in the procedure corresponding to S1413.
[Transaction processing by check]
Further, a check process will be described below as another example of transaction. Description of the contents already described above will be omitted, and only the differences will be described using the flow and reference numerals of FIGS. 15A and 15B described above. FIG. 17A and FIG. 17B are operation flowcharts of the employee support-type window reception system in “transaction by check processing”.

  It is assumed that a corporate customer who intends to trade by check brings in a check (and bill).

  When the corporate customer sets the check at a predetermined position together with the check item entry (S1704, S1705), the check information is read by the self-scanner and sent to the employee terminal 211. At this time, information on the check (financial institution number / branch number / account number of exchange, exchange code, reference number, etc.) is displayed on the screen of the bank terminal 211 (S1734).

  Next, on the customer's screen, a display requesting to present “check, identity verification material, seal” to the clerk is made (S1708), and on the screen of the clerk's terminal 211 “receipt of identity verification material, check” Is displayed (S1735). The clerk who received the “check, identity verification material, seal” by hand reads the “identity verification material” with the scanner (S 436), and the “identity verification record” is automatically generated (S 437). The bank employee uses the terminal 211 to verify the OCR-recognized slip (S438) and calculate the fee (S440). The fee may be an electronic draft. Furthermore, seal verification and signature verification are performed (S1740). This seal verification and signature verification are automatically promoted on the clerk terminal 211 side in cooperation with the host system 100 via the store server 201. When the customer 1 presses the confirmation button (YES in S411), “item processing data” is confirmed and registered in the database, and a transaction based on the item processing data is executed. This “matter processing data” is registered in the database, and further, this “matter processing data” is transmitted to an information processing device such as a higher-level server, and the accounting process is executed (S442). Thereafter, on the customer screen, an alert regarding receipt of cash and receipt of receipt is displayed (S1713, S1714), and when the customer receives them, the transaction is completed.

According to the present embodiment, regarding transaction processing including at least one of deposit, withdrawal, tax public money, transfer, etc., the burden on the customer is reduced by providing efficient support to the customer, and the bank office The burden can be reduced. In other words, the corporate customer only performs a simple procedure according to the instruction on the screen of the terminal, and can perform the procedure reliably without having to wait for a long time without knowledge about various transactions. On the other hand, the customer can reduce the administrative burden of the bank employee by carrying out self-operations such as reading the passbook, reading the slip, checking the contents, and executing the procedure. In addition, by automatically calculating arrears fees and handling fees based on the OCR recognition results obtained by reading various slips, the clerical work can be solidified and the administrative burden can be reduced. In addition, OCR recognition and system management for each tax payment notice can be made automatically on the back (higher) terminal than the employee terminal, reducing the administrative burden. Can be planned.
In particular, regarding the OCR recognition result, by performing interactive input processing including verification key entry, the number of processes that may subsequently become “error” can be greatly reduced.

  In addition, the barcode / pay payment notice can be confirmed by automation, and the input of the slip can be corrected / verified using the verification key to confirm the storage organization, deadline, amount, etc. Can be determined accurately.

  Further, by automatically reading an image of a personal identification document, it is possible to automatically create a personal identification record form (electronic data).

  Furthermore, in stamp verification / signature verification, automation of seal verification and signature verification can be promoted to reduce the administrative burden on the clerk.

  In addition, by determining whether or not it is necessary to support a bank clerk for each payment slip, it is possible to reduce the burden on the customer and reduce the administrative burden on the bank side.

  DESCRIPTION OF SYMBOLS 100 ... Host system, 200 (200A-200N) ... Sales store, 201 ... Store server, 203 ... Window back transaction terminal, 204 ... Window transaction (high counter) terminal, 230 ... Building, 231 ... Entrance, 208 ... Reception terminal, 209 ... ATM corner, 210 ... window reception terminal, 211 ... terminal for clerk (front terminal), 212 (A, B) ... terminal for customer, 2122 ... card reader, 2123 ... self scanner, 300 ... network.

Claims (15)

A window reception system that performs various processes via an automatic transaction apparatus, a sales store system having a plurality of automatic transaction apparatuses and a store server is connected to a fee system server and a billing system host via a network, The business store system includes a store server and at least one window reception terminal connected to the store server,
The window reception terminal is a terminal for supporting bank high-counter window paperwork related to transactions including at least one of deposit, withdrawal, tax and public money, and transfer. A payment terminal for money payment and a self-scanner are installed between the front terminal and the customer terminal, and the self-scanner reads and conveys customer transaction documents. And the function to determine which paperwork is based on the result of reading,
The front terminal is
A function of receiving an input from the customer terminal and generating an office procedure support screen and displaying the screen on the front terminal;
Information on the paperwork including information on the transaction related documents and money payment medium read by the monetary payment medium reader and the self-scanner and information on fees are added to the paperwork support screen. A function for generating processing data and displaying the matter processing data;
A function of accepting a correction by a verify key for the matter processing data displayed on the front terminal;
A function of registering the matter processing data in a database;
A clerk support-type window reception system characterized by having a transmission function for sending the registered matter processing data to a higher-level information processing device and executing accounting processing. In claim 1,
When the transaction-related documents are set in the customer terminal, the self-scanner extracts and generates data necessary for the paperwork process and its value data through recognition processing for image data. A staff support-type window reception system characterized in that the data is held in a storage means such as a buffer and the transaction related documents are conveyed to the front terminal. In claim 2,
The window reception terminal has a function of determining the type of the office procedure, determining whether or not it is necessary for a bank employee to support, and displaying a result of the determination on the front terminal. Employee support type reception desk system. In claim 3,
The front terminal is
The display for confirming the content of the matter processing data is performed on the customer terminal, the confirmation input is received from the customer terminal, and the procedure of the matter processing data is executed in a higher-level information processing device. A salon support-type window reception system that features In claim 3,
The front terminal automatically calculates an arrearage fee and a handling fee based on information of a character code string obtained from an OCR recognition result of the transaction-related document, a clerk support type window reception system characterized in that In claim 3,
In the front terminal, a clerk support-type window reception system that performs verification keying on the information of the character code string of the OCR-recognized slip for each transaction-related document and manages the system. In claim 1,
The clerk support type window reception system, wherein the front terminal is provided with a scanner for authenticating an identity by reading an identity confirmation material relating to the customer and automatically generating an identity confirmation record. In claim 1,
The money payment medium is a passbook, and the money payment medium reader is a passbook reader;
The transaction document is a slip;
When the bankbook is set in the customer terminal, the bankbook is automatically read by the bankbook reader;
When the slip is set in the customer terminal, the self-scanner automatically reads the slip, which is a clerk support type window reception system. In claim 8,
The front terminal automatically calculates an arrearage fee and a handling fee based on information of a character code string obtained as a result of OCR recognition of the slip, a clerk support type window reception system characterized in that In claim 8,
In the front terminal, for each of the slips, for the information of the character code string of the slip recognized in the OCR, verify key entry,
Perform seal verification,
A clerk support-type window reception system that performs system management for each slip. In claim 8,
A clerk support-type window reception system displaying the balance of the transaction amount of the customer at the front terminal. It is a clerk support type window processing method that performs various processes via an automatic transaction device of a business store,
A business store system having a plurality of the automatic transaction apparatus and the store server is connected to the fee system server and the account host via the network,
The business store system includes a store server and at least one window reception terminal connected to the store server,
The window reception terminal is a terminal for supporting bank high-counter window office work related to transactions including at least one of deposit, withdrawal, tax public money, and transfer. With a device,
Between the front terminal and the customer terminal, a payment medium reader and a self-scanner are installed,
The self-scanner has a function of reading a business transaction document of a customer, and discriminating which office procedure is based on the read result,
Accepting customer transaction details at the customer terminal,
With the acceptance of the entry, the front terminal for the clerk is shifted to the office procedure support screen, and the input state of the customer is displayed on the office procedure support screen,
Adding transaction information including information on the transaction related documents and the money payment medium read by the reader of the money payment medium and the self-scanner, and information on the fee, and generating case processing data, Display the case processing data on the administrative procedure support screen,
Receiving correction by verify keying for the matter processing data displayed on the front terminal,
Register the matter processing data in the database,
A clerk support-type window processing method, wherein the registered matter processing data is sent to a higher-level information processing device to execute a billing process. In claim 12,
A clerk support-type window processing method, wherein the clerk's processing procedure regarding the transaction related document is displayed on the office procedure support screen of the clerk's front terminal. In claim 12,
When the transaction related document is set in the customer terminal, the self-scanner automatically reads the transaction related document and conveys the transaction related document to the front terminal. The bank support type window processing method to do. In claim 14,
A clerk support type window processing method characterized by discriminating a type of the transaction related document, determining whether or not support by a clerk is necessary, and displaying a result of the determination on the front terminal.

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