JP3617892B2 - Unattended contract system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an unattended contract system, and more particularly to an unattended contract system capable of executing a new account with a new issuance of a card, a passbook, etc. in a financial institution.
[0002]
[Prior art]
As a device of this type that has been conventionally known, for example, “device for accepting unmanned admission” disclosed in JP-A-5-73584 can be cited.
This apparatus obtains customer data relating to the customer, command means for giving various commands including control commands transmitted from the control terminal to customers who want various procedure services, and the control terminal Customer data acquisition and transmission means for transmitting to the card, and can perform procedure services such as card issuance and reissue, membership, contract renewal and change.
[0003]
[Problems to be solved by the invention]
In recent years, the devices shown in the above-mentioned prior art tend to be frequently used by consumer finance companies. However, even general financial institutions have a strong demand for an unmanned contract system from the viewpoint of labor saving and service improvement.
Opening a new account at a conventional financial institution was conducted through dialogue with the counter staff, and when applying or contracting, the bankbook could be received on the spot, but the card was received later by mail. . However, it is desired that such an operation mode be shifted to an unattended contract system at an early stage from the viewpoint of labor saving and service improvement of the counter staff.
[0004]
As described above, for example, a system disclosed in Japanese Patent Application Laid-Open No. 62-26577 is known as a window transaction processing system for saving labor in a financial institution, that is, reducing a teller window. This system is designed to reduce teller window operations by allowing a customer to input items and the like from an input device equipped with a display installed at the window.
JP-A-1-150971 discloses “automatic transaction processing” that enables financial counter operations (new transactions, cancellations, etc.) that cannot be performed by an automatic teller machine by communicating with an operator terminal at a remote location. System "is disclosed.
[0005]
However, in these conventional technologies, an unattended contract machine installed in an unattended store has a passbook issuing function and a card issuing function, input of a PIN number, reading of a user's identification card, dialogue / interview by videophone, etc. It was not possible to realize an unattended contract system that can issue a passbook and card by confirming the identity of the person.
The present invention has been made in view of the above circumstances, and the object of the present invention is to solve the above-mentioned problems in the conventional technology and to be effective for labor saving and service improvement that can be used in general financial institutions. To provide a contract system.
[0006]
[Means for Solving the Problems]
The above-mentioned object of the present invention is to provide a data input unit for inputting a new transaction application from a customer, a display unit for displaying a message including an operation procedure to the customer, a personal verification unit for performing personal verification, and reading and issuing a card. An unattended contract device equipped with a card mechanism unit to perform, a passbook issuance mechanism unit for issuing paper such as a passbook, a communication mechanism unit for interaction / data exchange with the contract center, and bank card reading / password input Alternatively, it can be achieved by a contract center that performs identity verification by reading an identification card, interactive / interview by videophone, and an unattended contract system that connects a transaction processing system to each other.
[0007]
DETAILED DESCRIPTION OF THE INVENTION
In the unmanned contract system according to the present invention, an unattended contract machine directly operated by a customer and a card and passbook issuing machine connected thereto, an acceptance processing terminal of a contract center, and an existing transaction system of a financial institution are interconnected. It has a configuration.
That is, the unmanned contract system according to the present invention combines a unit having a card and passbook issuing function that has been used in the past with an unmanned contract machine that is directly operated by the customer, and further, the customer directly operates by remote control. A contract center reception processing terminal that interacts with an unmanned contract machine and an existing online transaction processing system are connected to each other.
[0008]
Then, in the unattended contract system according to the present invention, when a new transaction account is accepted by interacting with the customer at the reception processing terminal of the contract center, and after confirming the correctness such as identity verification, Using the window processing terminal connected to the online transaction processing system, send instructions to the card and passbook issuing machine, and immediately issue the card and passbook with the opening of a new transaction account. I do.
As a result, the unmanned contract system according to the present invention can realize an unattended contract system with new issuance of a card, a passbook, etc. by opening a new account in a financial institution at a relatively small cost. .
Hereinafter, specific embodiments of the present invention will be described in more detail with reference to the drawings.
[0009]
FIG. 1 is a block diagram showing a configuration of an unmanned contract system according to an embodiment of the present invention. As shown in the figure, the unmanned contract system according to the present embodiment includes an unmanned contract machine 10 directly operated by a customer, a card and passbook issuing machine 20 connected thereto, a reception processing terminal 30 in a contract center, and a financial institution. Existing transaction processing systems 40 are interconnected.
Here, a novel mode in which the card / passbook issuing machine 20 and the unmanned contract machine 10 are integrally coupled is shown, but the card / passbook issuing machine 20 has been conventionally used. It goes without saying that a card, a passbook issuing unit, etc. may be used.
[0010]
The above-described unmanned contract machine 10 includes a videophone camera 12 for photographing a customer, a voice input / output mechanism 13 when a customer and a contract center operator have a conversation, and a display unit for displaying various information for the customer. 14. A data input mechanism 15 used for data input by a customer, and an image input / transfer device 16 for transmitting image data such as an application form or identification documents to the contract center 30 are provided.
The card and passbook issuing machine 20 connected to the unmanned contract machine 10 are provided with a card mechanism 22 for reading a card and issuing an embossed card and the like, and a passbook issuing mechanism 23 for issuing a passbook. .
[0011]
Further, the reception processing terminal 30 on the contract center side displays the image of the customer photographed and transmitted by the reception processing unit 31, the data input / output device 32, and the videophone camera 12 in the unmanned contract machine 10 described above. The unit 33 has a voice input / output mechanism 34 for conversation between the customer and the operator on the contract center 30 side.
Note that the existing transaction processing system 40 of a financial institution refers to a system centered on a central processing unit (host) and its main database used in the current online transaction system, but detailed description is omitted here. To do.
[0012]
Reference numeral 50 denotes a communication line that connects the unmanned contract machine 10 and the card / passbook issuing machine 20 to the reception processing terminal 30 on the contract center side, and reference numeral 60 denotes the unmanned contract machine 10 / card / passbook issuing machine 20 and existing financial institutions. A communication line connecting the transaction processing system 40 is shown.
The specific operation and processing flow of the unmanned contract system according to this embodiment configured as described above will be described below based on the flowchart shown in FIG. In the following explanation, it is assumed that the customer applies for a new account transaction involving the issuance of a card, a passbook or the like.
[0013]
The customer operates the unmanned contract machine 10 to start a transaction (step 71). Specifically, a desired transaction is selected according to the guidance displayed on the display unit 14 using an optical disk or the like (step 72).
Specifically, the customer follows the above-mentioned guidance, firstly with identification documents, then with an application form for opening a new account, to the unmanned contract machine 10 using the image input / transfer mechanism 16 using a CCD camera or scanner. input. This image is transferred to the acceptance processing terminal 30 on the contract center side (steps 73 to 74).
[0014]
The operator of the reception processing terminal 30 on the contract center side confirms the identity of the customer by interacting / interviewing with the customer through the image data of the application form / identification documents, the image of the videophone taking a picture of the customer, and the voice input / output mechanism. (Steps 75-76).
This identity verification can also be carried out by reading the card and entering a password if the customer has a bank card. If the operator of the contract center can confirm the identity by the above-described identity verification method, the contract center operator transmits the fact to the window processing terminal 41 of the transaction processing system 40 (step 77).
[0015]
In response to this, at the window processing terminal 41, the operator transmits the bankbook and card data (new account number, name, etc.) to be issued from the unmanned contract machine 10 to the card and bankbook issuing machine 20 (step). 78-79).
When the card and passbook issuing machine 20 receives the above-mentioned data related to the passbook and card issuance from the window processing terminal 41 of the transaction processing system 40, it issues a passbook and a card based on the data (steps 80 to 81). Here, it is possible to employ a method of issuing a card that has already been pre-embossed or a card that has been embossed and printed on the spot.
[0016]
This completes a series of transactions.
According to the above embodiment, the operator of the reception processing terminal 30 on the contract center side in the remote place confirms the identity of the customer with respect to the contract applied by the customer from the unmanned contract machine 10, and the confirmation is obtained. Can notify the window processing terminal 41 of the transaction processing system 40 that a bankbook and a card should be newly issued, and can issue a bankbook and a card.
In addition, the said Example shows an example of this invention, and it cannot be overemphasized that this invention should not be limited to this.
[0017]
【The invention's effect】
As described above in detail, according to the present invention, it is possible to realize an unattended contract system that can be used in general financial institutions and is effective for labor saving and service improvement.
More specifically, operations such as opening a new account can be performed with an unattended contract device, and cards and passbooks can be issued on the spot. In addition, an embossed card can be issued immediately by the emboss printing function.
[Brief description of the drawings]
FIG. 1 is a diagram showing a configuration of an unmanned contract system according to an embodiment of the present invention.
FIG. 2 is an overall operation flowchart of the embodiment shown in FIG. 1;
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 10 Unmanned contract machine 12 Videophone camera 13 Voice input / output mechanism 14 Display unit 15 Data input mechanism 16 Image input / transfer mechanism 22 Card mechanism 23 Passbook issuing mechanism 30 Acceptance processing terminal 31 of contract center Reception processing unit 32 Data input / output device 33 Display Unit 34 Voice Input / Output Mechanism 40 Transaction Processing System 41 Window Processing Terminal 50 Communication Line 60 between Unmanned Contract Machine and Center Reception Processing Terminal 60 Communication Line Between Unmanned Contract Machine and Transaction Processing System

Claims (2)

In unattended contract systems in financial institutions,
And unmanned contract machines for customers to operation, consists of a passbook and a card issuing machine, the unmanned contract machine, to display data input unit for the customer to enter the data for the new trading application form, the message to the customer, including the operation procedure display An unattended contract apparatus having an image input unit for inputting image data of a new application form and identification documents , and a videophone unit for transmitting and receiving signals including customer images and sounds;
Connected with the unmanned contract device, input from the reception processing unit, data input / output device, image input unit in the unattended contract device, and transmitted with the new application form, identification card and video phone camera And a voice input / output mechanism used for a conversation between the customer and the operator. The new application form, the image data of the identification card and the customer image are displayed. A contract center consisting of a reception processing terminal for confirming the identity of the customer through dialogue with the customer using the voice input / output mechanism ,
Upon receiving notification from the contract center connected to the contract center and the unattended contract device , and that the identity processing has been obtained from the central processing unit, the main database, and the contract center used in online transactions of financial institutions, based on this An unmanned contract system comprising: a transaction processing system having a window processing terminal that transmits data for instructing the issuance of a passbook and a card to a passbook and a card issuing machine of the unattended contract device. The unmanned contract system according to claim 1 or 2, wherein the unmanned contract machine and the passbook and card issuing machine are integrated.

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