JP3055842B2 - Currency processing system - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an exchange processing system for transmitting image data of a form from a branch office of a financial institution to a district center by facsimile.

[0002]

2. Description of the Related Art In recent years, financial institutions such as banks have
An exchange processing system is used in which a form image such as a transfer request form is transmitted from a branch office to a district center by facsimile, and the district center recognizes the form image and transmits the result to a host. .

FIG. 2 shows such an exchange processing system. The system shown in the figure comprises a sales office 10, a communication line 20, a district center 30, and a host (office center) 40. The branch 10 is composed of a plurality of branches 10a, 10b,.
Each of the sales offices 10a and 10b has a plurality of counter terminals 11 (11-1 to 11-n) and the sales offices 10a and 10b.
A terminal controller (TC) 12 for performing network control and communication control with the host 40 therein, and a facsimile (FAX) 13 for transmitting a form 1 such as a transfer request form received at the counter terminal 11 as image data. ing.

[0004] The district center 30 receives the image data of the form transmitted from the facsimile 13 via the communication line 20 and stores the image data, and a facsimile reception control unit (FCU) 31 for storing the image data.
And controls connection with a character recognition device (CRU) 32 and a plurality of workstations (WS) 33 (33-1 to 33-n) provided in the district center 30, and And a main control unit (MCU) 34 for transmitting a recognition correction / verification result to the host 40. The character recognition device 32 converts the image data of the form received by the facsimile reception control device 31 into character data.
3 represents the character data converted by the character recognition device 32,
This is for correcting and verifying by comparing with a form image on the screen.

[0005] Next, the operation of the exchange processing system having the above configuration will be described. Note that the following numbers correspond to the numbers in FIG. A customer uses a transfer request slip (hereinafter, referred to as a booklet)
Form 1). The form 1 filled in by the customer as described above is received at the counter of the business office 10, and a transfer process such as a deposit process is performed offline (the result of the deposit process is not immediately transmitted to the host 40).

[0006] The form accepted above is transmitted from the facsimile 13 of the business office to the facsimile reception control device 31 of the district center 30. The facsimile reception control device 31 stores the received form data (compressed image data) in a storage device (not shown) and transmits it to the character recognition device 32 via the main control device 34. After the received form data is decompressed, the character recognition device 32 recognizes the characters entered in the form and converts it into character data. The result (character data + image data of the corresponding area) recognized by the character recognition device 32 is stored in a storage device (not shown) of the main control device 34, and then transmitted to the workstation 33, where the character recognition device 3
The recognition result in step 2 is displayed, and correction and verification such as erroneous recognition of characters are performed.

[0007] The main controller 34 stores the verification result (character data indicating the transfer contents) in the work station 33 in the storage device and transmits it to the host 40. After the above processing, the main control device 34 automatically creates a list of transfer request contents (hereinafter, referred to as a scrutiny list) for each branch 10 at regular time intervals (for example, once every day after work), The data is transmitted to the facsimile 13 of each of the offices 10a and 10b via the facsimile reception control device 31. In each of the stores 10a and 10b, the facsimile 13
The actual inspection list and the transfer request form that are output to are checked visually, and if there are no abnormalities, payment processing is performed. That is, the result of the deposit processing that has been processed off-line in the above process is transmitted to the host 40 as a deposit telegram.

[0008]

However, the above-mentioned conventional system has the following problems. (1) Because the actual inspection list and the transfer request form are visually checked, the burden on each of the sales offices 10a and 10b is heavy, and since the judgment of the result must be manually performed, a check error or a financial institution has to be made. There was no radical solution to wrongdoing by insiders, and there were only incomplete ones, such as checking with multiple people. (2) The payment processing cannot be performed promptly because the payment processing can only be performed after checking the actual items of the close inspection list and the transfer request slip.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned conventional problems, and an exchange processing system which can reduce the load on a branch office and can perform payment processing quickly and reliably. The purpose is to provide.

[0010]

According to a first aspect of the present invention, there is provided an exchange processing system in which a sales office, a district center, and a host are connected via a communication line. And printing means for printing payment information on a form, a host transmitting means for transmitting the payment information to a host, and a facsimile for transmitting image data of the form to a district center. A character recognition device that performs character recognition from the image data, a correction verification unit that corrects and verifies the recognition result of the character recognition device, the deposit information transmitted to the host, and an output result of the correction verification unit And the comparison result by the comparison means is different, and if this is due to an input error at the counter terminal,
The notification unit that transmits the correction instruction to the facsimile of the branch office differs from the comparison result obtained by the comparison unit. If this is due to an error at the district center, the correction instruction is sent to the correction verification unit. Correction instruction means for performing the correction.

[0011] A second aspect of the present invention is a foreign exchange processing system in which a sales office, a district center, and a host are connected via a communication line. And a facsimile for transmitting the image data of the form to a district center. The district center recognizes characters from the received image data of the form. Character recognition device that performs the correction, a correction verification unit that corrects and verifies the recognition result of the character recognition device, and a comparison unit that compares the payment information transmitted to the host with an output result of the correction verification unit. If the comparison result by the comparison means is different, and this is due to an input error at the counter terminal, the payment information is corrected at the district center, and If the result of the comparison by the comparing means is different from the correction content notifying means for notifying the host, and this is due to an input error at the counter terminal, a payment information correction request is sent to the counter terminal of the sales office via the host. The correction request means to be performed, the selection means for selecting one of the correction content notification means and the correction request means, and the comparison result by the comparison means are different, and this is due to an error at the district center. In this case, the apparatus further comprises a correction instruction means for issuing a correction instruction to the correction verification means.

A third aspect of the present invention is the exchange processing system according to the first or second aspect, wherein a facsimile serial number, which is a serial number of a form assigned at the counter terminal, is set at the start of business at a business office. And a numbering selecting means for selecting whether the setting of the facsimile serial number is performed by the host or the counter terminal.

[0013]

In the exchange processing system according to the first aspect of the present invention, when a customer writes a request in a form, the request is accepted at the counter, and the payment information is printed by the printing means of the counter terminal.
The printed payment information data is transmitted to the host, and the form image data is transmitted from the facsimile to the district center. The district center performs character recognition from the received image data of the form, and further corrects and verifies the recognition result. Then, the payment information transmitted to the host is received and compared with the verification result. If the comparison result matches, the deposit processing is completed, and if the comparison result does not match, it is determined whether it is due to the branch office or the district center side. If the correction is made by the contact terminal, a correction instruction is transmitted to the facsimile. On the other hand, if the correction is performed by the district center, the correction and verification are performed again by the correction verification unit.

In the second invention, if the deposit information received from the host and the result of character recognition at the district center do not match, and this is due to the terminal of the sales office, the district center will Correct the deposit information and send it to the host. Alternatively, a correction request for the payment information is made to the counter terminal of the sales office via the host.

In the third invention, the initial value of the facsimile serial number assigned at the counter terminal is set at the start of the job, and thereafter, the facsimile serial number is assigned based on the initial value. Therefore, the facsimile serial number is not known in advance.

[0016]

Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a block diagram showing a first embodiment of the currency exchange system of the present invention. The system shown is
As in the prior art, it comprises a sales office 10, a communication line 20, a district center 30, and a host (office center) 40. The branch 10 includes a plurality of branches 10a, 10b,
, And each of the sales offices 10a and 10b has a plurality of counter terminals 11 (11-1 to 11-n) and the sales office 1
A terminal controller (TC) 12 for controlling the network within the devices 0a and 10b and controlling the communication with the host 40;
And a facsimile (FAX) 13 for inputting a form such as a transfer request form received at the counter terminal 11 and transmitting the form as form data.

The counter terminal 11 of this embodiment is provided with a printing means 11a. The printing means 11a is a transfer request form (hereinafter referred to as form 1) based on input of payment information such as a facsimile serial number and an amount by an operator.
Is to be printed. The deposit information is transmitted to the host 4 by the counter terminal 11 and the terminal controller 12.
The host transmission means 14 for transmitting the data to 0 is configured.

The district center 30 receives the form data transmitted from the facsimile 13 via the communication line 20 and stores the form data in a facsimile reception control device (FC).
U) 31 and form data received from the facsimile reception control device 31, and a character recognition device (CRU) 32 and a plurality of workstations (WS) 33 (33-1 to 33-n) provided in the district center 30 are provided. ), And recognizes and corrects and verifies the results.
And a main control unit (MCU) 34 for transmitting the data to the CPU.

The character recognition device 32 has the same function as the conventional character recognition device 32. Further, each workstation 33 has a correction verification means 33 for correcting and verifying the recognition result recognized by the character recognition device 32.
a is provided.

The main control unit 34 includes a comparing unit 34
a, notification means 34b, and correction instruction means 34c. Here, the comparing means 34a has a function of comparing the payment information transmitted from the business office 10 to the host 40 with the result corrected and verified by the correction verifying means 33a.
The notifying unit 34b determines that the comparison result is different as a result of the comparison by the comparing unit 34a, and that the
If the error is caused by an error on the side, the information indicating the error is transmitted to the sales office 1 via the facsimile reception control device 31.
It has a function of notifying the facsimile 13 of 0. Furthermore, the correction instructing means 34c has a function of issuing a correction instruction to the correction verifying means 33a of the workstation 33 when the comparison result is different and this is due to an error on the district center 30 side.

Next, the operation of the above embodiment will be described.
Also in this embodiment, the following numbers correspond to the numbers in FIG. The customer writes the contents of the request, such as the transfer destination, the amount of the transfer, and the name of the client, in a form at the entry table or the like of the office 10 by hand. The form filled in by the customer is received at the counter of the sales office 10 and the transfer processing of the counter terminal 11 causes the sales office number and the facsimile serial number to be placed in a predetermined position of the form different from the position of the request content filled in by the customer. Payment information, such as payment, amount, and fee, is printed by the printing means 11a.
In addition, the facsimile serial numbers refer to the sales offices 10a, 10a
It is given as a serial number of a form processed separately for b, and is a key code for detecting double transmission of a form and omission of transmission.

The above-mentioned payment information (business number, facsimile serial number, amount, fee) is transmitted as a payment message from the counter terminal 11 to the host via the terminal controller 12. The facsimile reception control device 31 of the district center 30 via the communication line 20 from the facsimile 13 of the business office 10 via the communication line 20 transmits the image data (including the contents of the request by the customer in handwritten characters and the printed portion by the printing means 11a) of the form received at the window Send to That is, in the processing, the payment information is transmitted to the host 40 as character data (code data), and in the processing, the image data of the form itself is transmitted to the district center 30.

The facsimile reception control device 31 stores the received image data in a storage device (not shown) and transmits it to the character recognition device 32 via the main control device 34. After the received form data is decompressed, the character recognition device 32 recognizes the customer's handwritten characters written in the form and the characters printed by the counter terminal 11, and converts them into character data. In the above, the result (character data + image data of the corresponding area) recognized by the character recognition device 32 is stored in a storage device (not shown) of the main control device 34, and then transmitted to the workstation 33.
Then, the character recognition result is displayed, and correction and verification are performed.

The main control unit 34 stores the verification result (character data indicating the contents of the transfer) in the work station in the storage device, and stores the received payment information (business number, facsimile serial number, amount, fee) in the host. 40, and is compared with the above verification result. here,
If the collation result is different, the workstation 33
Next, the verification result (character data), the image data of the corresponding area, and the payment information input at the counter terminal 11 are displayed to perform correction and verification. If it is determined by this verification that there is a correction error in the workstation 33, the correction and verification are performed immediately, and the verification is performed again. Upon receiving the verification result, the host 40 determines that the payment processing has been performed (finished),
The subsequent processing is performed.

According to the above verification, the contact terminal 1
If it is determined that the input is incorrect at step 1, the workstation 33 sends the information to the facsimile 13 of the business office 10 via the main controller 34 and the facsimile reception controller 31.
Notify that an input error has occurred during the window processing of the form. Thus, after receiving the notification from the district center 30, the sales office 10 performs the payment information change process on the host 40 from the counter terminal 11. By receiving this change result, the host 40 determines that the payment processing has been performed (finished) and performs the subsequent processing.

After the above or after, at a certain time interval (for example, once after work every day), the main control device 34
A list is automatically created as a processing result by combining the contents of the transfer request for each branch and the payment information input at the counter terminal 11, and each branch 10 is transmitted via the facsimile reception control device 31.
To the facsimile 13.

FIG. 3 and FIG. 4 are flowcharts showing the processing of the business office 10 and the processing of the district center 30. That is, in the branch 10, as described above, step S in FIG.
In the above-described processing, a form window reception (Step S2) and a transfer processing (Step S3) are performed. Then, transmission processing to the host (step S4) is performed as processing, and transmission processing to the district center 30 (step S5) is performed as processing.

On the side of the district center 30, the processing shown in FIG.
Facsimile reception control device 31 in step S1
And the character recognition by the character recognition device 32 in step S2 is performed. Then, as processing, the recognition data is stored in the storage device of the main control device 34 (step S3), and the workstation 33
Display and correction / verification processing are performed (step S
4). In the process, the payment information is received from the host 40, and the received information is collated with the verification result of the workstation 33 (step S5). Then, it is determined whether or not they match (step S6), and if they do not match, verification is performed by the workstation 33 (steps S7, S8). If the result of the verification at the workstation 33 is an error on the workstation 33 side, the workstation 33
Is corrected and verified (step S9), and the verification result is transmitted to the host 40 (step S10).

On the other hand, in step S8, the contact terminal 1
If it is determined that an input error has occurred on the first side, the facsimile 13 of the business office 10 is notified as the above processing.

Next, a second embodiment in which facsimile serial numbers are automatically assigned to prevent fraud will be described. FIG. 5 shows the configuration of the embodiment. In the second embodiment, the host 4
0 is provided with a facsimile serial numbering means 40a and a numbering selecting means 33b is provided at the work station 33 of the district center 30. The facsimile serial number assigning means 40a assigns a facsimile serial number to the counter terminal 11 after the start of the business in the business office 10 so that the serial number is not known in advance.

That is, if the facsimile serial number at the start of the business can be known even before the previous day, there is a possibility that a user inside the financial institution may be illicit, such as performing a fictitious transfer process. For this reason, in the second embodiment, the initial value of the facsimile serial number assigned by the counter terminal 11 at the start of work is set by an operator other than the operator of the sales office 10.

The numbering selecting means 33b selects whether the facsimile serial number is numbered by the host 40 or the counter terminal 11. That is, the host 40 selects whether to give the initial value of the facsimile serial number at the start of daily work to the counter terminal 11 or to automatically assign the number to the counter terminal 11 side. FIG.
Among them, the configuration of the other parts is the same as that of the above embodiment, and the corresponding parts are denoted by the same reference numerals and description thereof will be omitted.

Next, the operation of the other embodiment will be described.
First, it is assumed that the facsimile serial number has been selected in advance by the numbering selection means 33b of the workstation 33 so that the initial value of the facsimile serial number is given from the host 40 to the counter terminal 11.
In the first place, the contents of the request are written in the form by the customer as in the above embodiment.

Next, as a process', the facsimile serial number assigning means 40a of the host 40 transfers the initial value of the facsimile serial number at the start of the job to the counter terminal 11 via the terminal controller 12.

Thereafter, in the processing, the contact terminal 11
Assigns a facsimile serial number based on the received initial value of the facsimile serial number, and prints the facsimile serial number, the business office number, the amount, and the fee on a form. Then, the subsequent processing is the same as in the above embodiment, and a description thereof will be omitted. In the second embodiment, the case where the facsimile serial numbering means is provided in the host 40 is described, but it may be provided in the counter terminal 11. That is, in this case, the counter terminal 11 automatically sets the initial value of the facsimile serial number.

Next, a third method for speeding up the payment information processing is described.
An example will be described. FIG. 6 is a configuration diagram showing the third embodiment. In the third embodiment, the main controller 34
In place of the notifying means 34b in the first embodiment, the correction content notifying means 34d and the correction requesting means 34
e, and the selecting means 3
3c is provided.

The correction content notifying means 34d determines that the payment information from the host 40 does not match the verification result at the workstation 33, and that this is an input error at the counter terminal 11, the payment information at the workstation 33 This is a means for correcting and transmitting this to the host 40. The correction requesting means 34e, when an input error is made on the counter terminal 11 side, via the host 40, the counter terminal 1 of the sales office 10
1 is requested to correct the payment information. Further, the selection means 33c is provided with these correction content notification means 34.
This is a means for selecting which of d and the correction requesting means 34e is to be used.

Next, the operation of the third embodiment will be described. First, the selection means 3 of the workstation 33 is
3c, the correction content notification means 33d or the correction request means 3
It is determined whether to use 3e.

First, the case where the correction content notifying means 33d is selected will be described. In this case, the processing is the first
This is the same as the embodiment. In the process, if the data at the workstation 33 is found to be inconsistent as a result of the verification at the workstation 33 and this is an input error at the counter terminal 11, the district center 30
In step 3, the payment information is corrected, and the corrected contents are transmitted to the host 40. Then, the host 40 notifies the counter terminal 11 of the content of the correction. From the host 40 to the counter terminal 11
Receives the modifications, the operator confirms this,
If the content of the correction is correct, the confirmed message is transmitted to the host 40. As a result, the host 40 proceeds to the next processing assuming that the deposit processing has been performed.

Next, the case where the correction requesting means 33e is selected will be described. In this case, if the data do not match in the processing, the workstation 33 notifies the window terminal 11 of the payment information correction request via the main control device 34 and the host 40. As a result, the counter terminal 11 receiving the correction request transmits the corrected content to the host 40, and the host 40 completes the payment processing by receiving this. Also,
Since the processing is the same as in the first embodiment, a description thereof will be omitted.

In the third embodiment, the selecting means 33
Although c is provided in the workstation, it may be provided in the counter terminal 11 or the facsimile 13 in addition to this. That is, the user selects the correction content notifying means 33d and the correction requesting means 33e from the counter terminal 11, or selects the facsimile 1
Alternatively, a configuration may be employed in which image data indicating which of the three selections is to be made is transmitted to the district center 30 side, and the district center 30 makes this selection.

[0042]

As described above, according to the exchange processing system of the first invention, the payment information is printed on the form at the counter terminal of the sales office, the form data is transmitted to the host, and the form Since the image data of the above is transmitted to the district center and its character recognition is performed, and then the payment processing is performed by comparing the form data transmitted to the host with the character recognized data. Immediate processing of payment is possible, and the burden on the branch can be reduced.

According to the exchange processing system of the second invention, the result of the comparison between the recognition result and the data from the host at the district center is inconsistent, and this is due to an input error at the counter terminal. In such a case, the payment information is corrected by the district center and sent to the host to perform the payment processing, or the correction request is made from the district center to the counter terminal of the sales office via the host. Because
It is possible to speed up the deposit processing.

Further, according to the exchange processing system of the third invention, the facsimile serial number assigned by the counter terminal is set at the start of the business in the branch office. In addition to the effects of the first invention, It is possible to prevent fraud using exchange processing.

[Brief description of the drawings]

FIG. 1 is a configuration diagram showing a first embodiment of an exchange processing system of the present invention.

FIG. 2 is a configuration diagram of a conventional exchange processing system.

FIG. 3 is a flowchart showing an operation of a sales office in the first embodiment of the currency exchange system of the present invention.

FIG. 4 is a flowchart showing the operation of the district center in the first embodiment of the currency exchange system of the present invention.

FIG. 5 is a configuration diagram of a second embodiment of the currency exchange system of the present invention.

FIG. 6 is a configuration diagram of a third embodiment of the exchange processing system of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Report 10 Business office 11 Counter terminal 11a Printing means 13 Facsimile 14 Host transmission means 20 Communication line 30 District center 32 Character recognition device 33a Correction verification means 33b Numbering selection means 33c Selection means 34a Comparison means 34b Notification means 34c Correction instruction means 34d Correction content notification means 34e Correction request means 40 Host 40a Facsimile serial numbering means

──────────────────────────────────────────────────続 き Continued on front page (58) Field surveyed (Int.Cl. ⁷ , DB name) G06F 19/00

Claims (3)

(57) [Claims] 1. An exchange processing system in which a sales office, a district center, and a host are connected via a communication line, wherein the sales office is provided at a counter terminal and prints payment information on a form. Host transmitting means for transmitting payment information to a host; facsimile transmitting the image data of the form to a district center; a character recognition device for performing character recognition from the received image data of the form; Correction verification means for correcting and verifying the result of recognition by the character recognition device; comparison means for comparing the deposit information transmitted to the host with an output result from the correction verification means; comparison results by the comparison means If this is due to an input error at the counter terminal, a notifying means for transmitting a correction instruction to the facsimile of the branch office And a correction instruction means for issuing a correction instruction to the correction verification means if the result of the comparison by the comparison means is different and this is due to an error in the district center. system. 2. A foreign exchange processing system in which a sales office, a district center, and a host are connected via a communication line, wherein the sales office is provided at a counter terminal and prints payment information on a form. Host transmitting means for transmitting payment information to a host; facsimile transmitting the image data of the form to a district center; a character recognition device for performing character recognition from the received image data of the form; Correction verification means for correcting and verifying the result of recognition by the character recognition device; comparison means for comparing the deposit information transmitted to the host with an output result from the correction verification means; comparison results by the comparison means If this is due to an input error at the counter terminal, correct the payment information at the district center and notify the host of this. And correction request means for making a payment information correction request to the counter terminal of the sales office via the host, if the comparison result by the comparing means is different and this is due to an input error at the counter terminal, A selection unit for selecting one of the correction content notification unit and the correction request unit; and a comparison result obtained by the comparison unit. If the comparison result is due to an error in the district center, the correction verification is performed. And a correction instruction means for issuing a correction instruction to the means. 3. A facsimile serial number assigning means for setting a facsimile serial number, which is a serial number of a form assigned at a counter terminal, at the start of business at a business office, and setting of the facsimile serial number is performed by either a host or a counter terminal. The exchange processing system according to claim 1, further comprising a numbering selecting means for selecting the number.