JP4906260B2 - Branch office terminal, server and system for financial institutions - Google Patents

Description

  The present invention relates to a financial institution branch terminal, a server, and a system.

  Traditionally, at branches such as banks, credit unions, post offices, and consumer finance companies, branch offices, head offices, etc., customers request financial transactions such as account transfers and transfers at high counters, low counters, etc. The person in charge of the window operates the branch office terminal arranged at the window, inputs predetermined items such as customer name, transaction details, transaction amount, etc., and requested financial transaction, for example, opening a new account, Processing for withdrawal, deposit, account transfer, periodic deposit setting, card loan setting, financing and the like is executed (for example, see Patent Document 1).

In this case, the person in charge operates the branch office terminal, inputs predetermined items in the input field of the screen displayed on the display device of the branch office terminal, and communicates with the host computer. The transaction step as a transaction ends. By the way, in order to complete the process for one financial transaction, a plurality of transaction steps may be performed. For example, when executing the process of opening a new account, it is necessary to perform transaction steps such as customer inquiry, customer registration, account opening, and seal registration. There is a transaction in which the procedure of processing to be executed depending on the type of financial transaction, that is, the order of transaction steps is determined in advance. Therefore, the person in charge operates the branch office terminal to sequentially display a screen corresponding to a predetermined transaction step on the display device of the branch office terminal, inputs a predetermined item in the input field of the screen, The transmission key in the input device of the terminal is depressed to transmit the item entered in the input field to the host computer. Then, when a response from the host computer is received, one transaction step is completed, so that the person in charge displays a screen corresponding to the next transaction step on the display device of the branch terminal, and performs the same operation. Is supposed to do.
JP 2003-208515 A

  However, in the conventional branch office terminal, a person in charge at a financial institution's branch performs manual operation to sequentially display screens corresponding to transaction steps. The burden will increase. There are a great many types of financial transactions accepted at a counter in a financial institution, and the types and order of transaction steps to be performed are different for each type of financial transaction. Therefore, it is necessary for the person in charge to learn the types and order of transaction steps to be performed for each financial transaction, which increases the burden for learning. Of course, it is also possible to perform processing for financial transactions while referring to a list that defines the type and order of the transaction steps. In this case, the desired financial transaction is selected from a list of enormous contents. It is necessary to find out the contents corresponding to, and it takes time. Further, if the branch office terminal is operated while referring to the list, the operation is slow, and it takes time to complete the processing for one financial transaction, so that customer service is deteriorated. Furthermore, the processing efficiency of the counter at the sales office of the financial institution is reduced.

  The present invention solves the above-mentioned conventional problems, displays the contents of all transaction steps corresponding to one financial transaction and the execution order of each transaction step on one screen in a form that can be grasped, and each transaction Time to complete the processing for financial transactions by reducing the burden on the person in charge at the sales office of the financial institution by sequentially displaying the screen for executing the steps on the display device of the sales office terminal. It is an object of the present invention to provide a financial institution terminal, server, and system that can shorten customer service, improve customer service, and improve the processing efficiency of a counter in a financial institution.

For this purpose, the financial institution sales office terminal according to the present invention is arranged at the counter of the financial institution sales office, includes a display device and a terminal database, is connected to the accounting system host apparatus, and communicates with the accounting system host apparatus. A store terminal for a financial institution that executes processing for a financial transaction by performing the processing, and is stored in a server database of the terminal database or a store server connected to the store terminal for financial institution a transaction definition file and transaction control file are to store the number of transactions the names and screen, and stores the screen number in the order, transaction definition file that defines the transaction steps involved in financial transactions, as well as, corresponding to the transaction step gold defining the takeover of data between the screen, on the basis of the transaction control file for storing data for controlling the transfer of transaction step, the selected A screen including a screen name display portion corresponding to all transactions steps required to complete processing for transactions displayed on the display device, one-to-one to the transactions step an input screen corresponding to each transaction step The corresponding input screens are sequentially displayed on the display device in a predetermined order so that the input screen corresponding to the completed transaction step can be referred to during one financial transaction, and the input corresponding to the completed transaction step is performed. Disable re-entry to the screen.

  In still another financial institution terminal of the present invention, a mark indicating completion is added to the screen name display portion corresponding to the completed transaction step.

In still another financial institution terminal of the present invention, the order in which the input screens are displayed can be changed by selecting a corresponding transaction step on the screen name display unit .

In yet another financial institution terminal of the present invention, the information input in the completed transaction step can be displayed on the transaction screen based on the transaction control file.

In yet another financial institution terminal of the present invention, the data for controlling the transition of the transaction step stored in the transaction control file includes transaction step condition information, and is unnecessary based on the transaction step condition information. Do not skip the input screens corresponding to various transaction steps.

The financial institution sales office system according to the present invention is arranged at the counter of a financial institution sales office, includes a display device and a terminal database, is connected to an accounting system host device, and communicates with the accounting system host device. A sales office terminal that executes processing for financial transactions, and a sales office server that is disposed in the sales office of the financial institution and includes a server database and is connected to the accounting system host device and the sales office terminal. a branch system for financial institutions, the office terminal, the a terminal database or transaction definition file and transaction control file stored in the server database, and stores the number of transactions name and screen, the screen number A transaction definition file that defines the transaction steps that are stored in order and included in the financial transaction, and the data transfer between the screens corresponding to the transaction steps. Defining a joint, on the basis of the transaction control file for storing data for controlling the transfer of transaction steps, including screen name display portion corresponding to all transactions steps required to complete processing for financial transactions that have been selected A screen is displayed on the display device, and input screens corresponding to the respective transaction steps and corresponding to the transaction steps are sequentially displayed on the display device in a predetermined order, and the completed transaction steps are displayed. The corresponding input screen can be referred to during one financial transaction, and re-input to the input screen corresponding to the completed transaction step is disabled.

  According to the present invention, the contents of all transaction steps corresponding to one financial transaction and the execution order of each transaction step are displayed on one screen in a form that can be grasped, and a screen for executing each transaction step is displayed. The information is sequentially displayed on the display device of the branch office terminal. This reduces the burden on the contact person at the financial institution's sales office, shortens the time to complete processing for financial transactions, improves customer service, and processes the counter at the financial institution's sales office. Efficiency can be improved.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a conceptual diagram showing the configuration of a financial institution sales office system according to an embodiment of the present invention.

  In FIG. 1, reference numeral 11 denotes a branch office terminal disposed at a counter such as a bank, a credit union, a post office, a branch office in a financial institution such as a consumer finance company, a branch counter of a branch office, a branch office, a branch counter, or the like. The branch terminal 11 is a kind of computer, an input unit including an input device such as a keyboard, a mouse, and a touch panel, a display unit including a display device such as a CRT, a liquid crystal display, and an LED (Light Emitting Diode) display, a CPU, An arithmetic unit such as an MPU, a magnetic disk, a storage device such as a semiconductor memory, a communication interface, and the like are included. Then, a person in charge such as a teller in the store operates the store terminal 11 to open a new account, withdraw, deposit, transfer account, set up a time deposit, card loan Executes processing for financial transactions such as setting and financing. In addition, the branch office terminal 11 is loaded with an operating system such as Windows (R) 2000, software for performing an accounting operation such as an accounting application, an accounting middleware, or the like. Furthermore, peripheral devices (not shown) such as a cash depositing / dispensing machine, a printer, and a scanner may be connected to the store terminal 11. In FIG. 1, only one branch office terminal 11 is shown, but usually a plurality of branch terminals are arranged in each branch office.

  Reference numeral 31 denotes a host computer as a high-level accounting system installed in a computer center of a financial institution, and inputs such as arithmetic means such as CPU and MPU, storage means such as magnetic disk and semiconductor memory, keyboard and mouse, etc. Means, a CRT, a display means such as a liquid crystal display, and a communication interface. The branch terminal 11 is communicably connected to the host computer 31 via the network 32, and executes processing for financial transactions by communicating with the host computer 31. The host computer 31 is connected to the branch office terminals 11 of a plurality of branch offices.

  The network 32 is, for example, an online network, but may be another network, such as a wireless or wired dedicated communication network or public communication network, the Internet, an intranet, a LAN (Local Area Network), a WAN. It may include any kind of network such as (Wide Area Network).

  The store terminal 11 performs processing for financial transactions by communicating with the host computer 31. In this case, the person in charge operates the branch terminal 11 and inputs predetermined items in the input field of the screen displayed on the display device of the branch terminal 11 to communicate with the host computer 31, thereby The transaction step as a transaction with the computer 31 ends. Note that it may be necessary to perform multiple transaction steps to complete a process for a single financial transaction. Therefore, from the viewpoint of functions, the branch terminal 11 includes a display function unit 12 that controls a screen displayed on the display device, an application (AP) unit 13 that operates on application software such as a billing application, and a business that will be described later. Stores communication control unit 14 for controlling communication with store server 21, host computer 31 and the like, transaction control function unit 15 for executing processing for financial transactions, and data for executing processing for financial transactions Terminal database (DB) 16.

  The terminal database 16 stores a transaction definition file 17 as a file for storing data for defining transaction steps included in various financial transactions. And in order to complete the processing for one financial transaction, it is necessary to perform a plurality of transaction steps, and the types and order of necessary transaction steps may differ depending on the types of financial transactions. . Therefore, a plurality of transaction definition files 17 are stored in the terminal database 16 corresponding to a plurality of financial transactions, and each transaction definition file 17 corresponds to each financial transaction. Each transaction definition file 17 includes data such as a transaction name, the number of screens, and a screen number. In this case, each screen corresponds to each transaction step, that is, one screen is set for each transaction step. In the sales office system for a financial institution of the present embodiment, even if it is the same financial transaction, transactions with different order of transaction steps are handled as different financial transactions. If the screen order of the file 17 is also different, a different transaction definition file 17 is created.

  Further, in the terminal database 16, transaction control as a file for storing data for defining transition of data between screens corresponding to transaction steps and controlling transition from one transaction step to the next transaction step. A file 18 is stored. The procedure of processing to be executed according to the type of financial transaction, that is, the order of transaction steps is preset. Therefore, a plurality of transaction control files 18 are stored in the terminal database 16, and each transaction control file 18 includes data such as takeover data information and transaction step condition information.

  Further, reference numeral 21 denotes a branch office server as a host device for executing various processes in each branch, and arithmetic means such as a CPU and MPU, storage means such as a magnetic disk and semiconductor memory, input means such as a keyboard and a mouse. , CRT, display means such as a liquid crystal display, communication interface and the like. The sales office server 21 is communicably connected to the host computer 31 via the network 32 and is also communicably connected to the sales office terminal 11 via the in-store network 33 which is a LAN in the sales office. Is done.

  The sales office server 21 has a server database 22 for storing data for executing processing for financial transactions. The server database 22 is the same as the terminal database 16 included in the branch office terminal 11, and the transaction definition file 23 and the terminal database 16 are the same files as the transaction definition file 17 stored in the terminal database 16. A transaction control file 24 that is the same file as the transaction control file 18 to be stored is stored. Thereby, the transaction control function part 15 of the branch office terminal 11 can select and access either the terminal database 16 or the server database 22 when executing the process for the financial transaction. Then, the branch terminal 11 selects the selected financial based on the transaction definition file 17 or the transaction definition file 23 and the transaction control file 18 or the transaction control file 24 stored in the terminal database 16 or the server database 22. A screen including a screen name display unit 45, which will be described later, corresponding to all the transaction steps required to complete the transaction process is displayed on the display device.

  Next, the operation of the financial institution sales office system having the above configuration will be described.

  FIG. 2 is a first diagram showing a screen of a branch office terminal in the embodiment of the present invention, FIG. 3 is a second diagram showing a screen of the branch office terminal in the embodiment of the present invention, and FIG. FIG. 5 is a third diagram showing a screen of a branch office terminal in the embodiment, FIG. 5 is a fourth diagram showing a screen of the branch office terminal in the embodiment of the present invention, and FIG. 6 is a branch office in the embodiment of the present invention. FIG. 7 is a flowchart showing the operation of the financial institution sales office system according to the embodiment of the present invention.

  Here, the operation in the case where the person in charge at the counter receives a customer request and operates the branch terminal 11 to execute the financial transaction requested by the customer will be described. The financial transaction will be described by taking a new account as an example. Further, it is assumed that a scanner capable of reading an imprint is connected to the store terminal 11. Further, the transaction control function unit 15 of the branch terminal 11 executes processing for financial transactions by accessing the terminal database 16 without accessing the server database 22 of the branch server 21. .

  First, the customer submits a slip filled with necessary information to the sales office and applies for opening a new account. The voucher includes a seal to be registered corresponding to a newly opened account. Then, the person in charge of the window recognizes that a new account is opened based on the slip. Here, a menu screen 41 as shown in FIG. 2 is displayed on the display device of the branch terminal 11 as a default (initial setting) screen. The person in charge operates the branch terminal 11 and inputs a transaction number corresponding to the opening of a new account in the transaction number input field 42 as the transaction selection means displayed on the menu screen 41.

  In a financial institution, a transaction number corresponding to each financial transaction is set in advance, and a correspondence table between financial transactions and transaction numbers is stored in the terminal database 16. Therefore, when a transaction number corresponding to opening a new account is entered in the transaction number input field 42, the transaction control function unit 15 specifies that the financial transaction is opening a new account by accessing the terminal database 16. be able to.

  Note that a pull-down button 42a is displayed on the side of the transaction number input field 42, and a cursor, a pointer or the like is placed on the pull-down button 42a, and a mouse button is clicked to depress the pull-down button 42a. As a result, a pull-down menu 42b is displayed. As shown in FIG. 2, the pull-down menu 42b includes a plurality of financial transaction names, and a cursor, a pointer or the like is placed on a desired financial transaction name, and an operation such as clicking a mouse button is performed. Thus, the corresponding financial transaction is selected, and the transaction number corresponding to the selected financial transaction is automatically input to the transaction number input field 42. Therefore, even if the person in charge does not know the transaction number corresponding to the opening of the new account, the transaction number corresponding to the opening of the new account can be easily entered in the transaction number input field 42 by using the pull-down menu 42b. Can be entered.

  Subsequently, when the transaction control function unit 15 specifies that the financial transaction corresponding to the input transaction number is the opening of a new account, the transaction corresponding to the opening of the new account is accessed by accessing the terminal database 16. Data stored in the definition file 17 is acquired. Then, based on the data stored in the transaction definition file 17, the branch terminal 11 displays a screen for opening a new account on the display device. In this case, as shown in FIG. 3, a customer inquiry screen 43 corresponding to the first transaction step is displayed. The customer inquiry screen 43 displays a name input field 44 for inputting the customer's name.

  Here, since opening a new account is a financial transaction that requires a plurality of transaction steps, the transaction definition file 17 corresponding to opening a new account has, for example, four screens, In addition, the screen number of each screen is stored. Therefore, the branch office terminal 11 acquires display data of screens corresponding to all screen numbers, and displays all screens, for example, four screens on the display device. Therefore, as shown in FIG. 3, only the customer inquiry screen 43 corresponding to the first transaction step is displayed on the display device, and the other three screens are hidden under the customer inquiry screen 43. It has become. Each screen includes a tab-shaped screen name display unit 45 (described later) that protrudes downward, and the name of each screen is described in the screen name display unit 45. The name is set in advance corresponding to the screen number and written on the corresponding screen. A table showing the correspondence between names and screen numbers may be stored in the transaction definition file 17 and the names acquired from the tables may be written in the screen name display unit 45.

  In the example shown in FIG. 3, a tab-like screen name display portion 45 a protruding downward is displayed at the lower edge of the customer inquiry screen 43. Since “customer inquiry” is described in the screen name display portion 45 a, the person in charge can recognize that the screen displayed on the display device is the customer inquiry screen 43. Further, on the lower edge of the customer inquiry screen 43, on the side of the screen name display unit 45a, as in the screen name display unit 45a, a tab-shaped screen name display unit 45b projecting downward from the screen name display unit 45a. 45d is displayed. The screen name display unit 45 b to the screen name display unit 45 d are provided on a screen displayed to overlap the customer inquiry screen 43. Since the screen name display unit 45b to the screen name display unit 45d respectively describe the names of the corresponding screens, the person in charge corresponds to which screen the screen name display unit 45b to the screen name display unit 45d corresponds to. You can recognize what you want to do. In this case, “customer registration” is described in the screen name display unit 45b, “account opening” is described in the screen name display unit 45c, and “seal registration” is described in the screen name display unit 45d. The screen name display unit 45b to the screen name display unit 45d correspond to a customer registration screen 46, an account opening screen 47, and a seal registration screen 51, which will be described later. The transaction definition file 17 stores screen numbers assigned to the respective screens as data indicating screen types.

  Further, while the screen name display unit 45a is formed integrally with the customer inquiry screen 43, the screen name display unit 45b to screen name display unit 45d are formed separately from the customer inquiry screen 43. Therefore, the person in charge grasps that the screen name display unit 45b to the screen name display unit 45d correspond to screens other than the customer inquiry screen 43, that is, screens not currently displayed on the display device. be able to. Note that the screen name display unit 45a to the screen name display unit 45d will be described as the screen name display unit 45 when described in an integrated manner.

  The number of the screen name display unit 45 matches the number of transaction steps corresponding to the opening of a new account as a financial transaction, and the order in which the screen name display unit 45a to the screen name display unit 45d are arranged is It matches the execution order of steps. Therefore, the person in charge can recognize the number of transaction steps to be executed, the name of each transaction step, and the order of each transaction step by the displayed screen name display unit 45.

  Subsequently, a customer inquiry process as a first transaction step is executed by the customer inquiry screen 43. In this case, when the person in charge inputs the customer's name in the name input field 44 and depresses the transmission key on the keyboard, the branch terminal 11 transmits the customer's name input in the name input field 44 to the host computer 31. To do. Then, the host computer 31 that has received the name of the customer accesses its own storage means, makes a customer inquiry, and determines whether or not the customer has been registered in the host computer 31. If the customer is not registered in the host computer 31, the host computer 31 transmits a message to that effect to the branch terminal 11. When the sales office terminal 11 receives the information that the customer is not registered in the host computer 31, the transaction control function unit 15 determines that the customer inquiry process is completed, and the second terminal as shown in FIG. A customer registration screen 46 corresponding to the first transaction step is displayed on the display device.

  In the present embodiment, it is assumed that a screen corresponding to the next transaction step is automatically displayed on the display device when one transaction step is completed. Note that when the person in charge depresses the completion key on the keyboard, a screen corresponding to the next transaction step may be displayed on the display device. Further, if necessary, when the person in charge depresses the screen switching key on the keyboard, a screen corresponding to the previous transaction step can be displayed on the display device. Note that a transaction step that has already been completed can be referred to by displaying the corresponding screen, but the input items cannot be re-input on the screen.

  Here, in the customer registration screen 46, a kana name input field 47a for inputting the customer name in kana, a kanji name input field 47b for inputting the customer name in kanji, and a customer address are input. Address input field 47c and a telephone number input field 47d for inputting a customer's telephone number are displayed. Further, since a tab-like screen name display portion 45b protruding downward is formed integrally with the customer registration screen 46 at the lower edge of the customer registration screen 46, the person in charge is displayed on the display device. It can be recognized that the existing screen is the customer registration screen 46. It is desirable that a mark indicating completion is given to the screen name display unit 45 indicating the name of the screen corresponding to the already completed transaction step. Thereby, the said person in charge can recognize that the transaction step corresponding to the screen name display part 45 to which the mark was provided has already been completed.

  Then, a customer registration process as a second transaction step is executed by the customer registration screen 46. In this case, when the person in charge inputs the customer's name, address, and telephone number in the kana name input field 47a, the kanji name input field 47b, the address input field 47c, and the telephone number input field 47d and presses the send key on the keyboard. The store terminal 11 transmits the customer name, address, and telephone number entered in the kana name input field 47a, kanji name input field 47b, address input field 47c, and telephone number input field 47d to the host computer 31. The host computer 31 that has received the customer's name, address, and telephone number accesses its storage means and registers the customer's name, address, and telephone number. When the registration of the customer's name, address and telephone number is completed, the host computer 31 transmits information indicating that the customer registration is completed to the branch terminal 11. When the store terminal 11 receives the information that the customer registration is completed, the transaction control function unit 15 determines that the customer registration process is completed, and the third transaction step as shown in FIG. The account opening screen 47 corresponding to is displayed on the display device.

  In addition, as described above, the host computer 31 that has received the customer's name makes a customer inquiry to determine whether or not the customer has been registered in the host computer 31, and the customer is registered in the host computer 31. If it has been completed, the host computer 31 sends a message to that effect to the branch terminal 11. When the sales office terminal 11 receives information indicating that the customer has been registered in the host computer 31, the transaction control function unit 15 determines that the customer inquiry process has been completed, and further, the customer registration process is unnecessary. As shown in FIG. 5, an account opening screen 47 corresponding to the third transaction step is displayed on the display device. That is, in this embodiment, unnecessary transaction steps are automatically skipped, and unnecessary transaction steps are automatically skipped. Conditions for skipping unnecessary transaction steps are stored in the transaction control file 18 as transaction step condition information.

  It should be noted that an unnecessary transaction step can be skipped by the operation of the person in charge, that is, by a manual operation. Further, the order of executing the transaction steps can be changed by the operation of the person in charge. For example, the person in charge puts a cursor, a pointer or the like on the screen name display unit 45 corresponding to a desired transaction step and performs an operation such as clicking a mouse button to display a screen corresponding to the corresponding transaction step. be able to. In this case, the screen name display unit 45 functions as a transaction step selection unit. Thereby, the said person in charge can skip an unnecessary transaction step as needed, and can change the order which performs a transaction step.

  Here, in the account opening screen 47, a customer number display field 48a for displaying a customer number of a registered customer, a deposit amount input field 48b for inputting a deposit amount, and an account opening date are entered. An opening date input field 48c and a passbook type input field 48d for inputting a passbook type are displayed. Further, since a tab-like screen name display portion 45c protruding downward is formed integrally with the account opening screen 47 at the lower edge of the account opening screen 47, the person in charge is displayed on the display device. Can be recognized as the account opening screen 47. The customer number of the registered customer is given by the host computer 31 when the customer registration is completed and transmitted to the branch terminal 11, so that it is automatically entered in the customer number display field 48a.

  Then, an account opening process as a third transaction step is executed by the account opening screen 47. In this case, if the person in charge inputs the deposit amount, the account opening date and the passbook type in the deposit amount input field 48b, the opening date input field 48c and the passbook type input field 48d and presses the send key on the keyboard, The store terminal 11 stores the customer number, deposit amount, account opening date and passbook type entered in the customer number display column 48a, deposit amount input column 48b, opening date input column 48c and passbook type input column 48d in the host computer 31. Send. The host computer 31 that has received the customer number, deposit amount, account opening date, and passbook type accesses its storage means and based on the customer number, deposit amount, account opening date, and passbook type. Open a new account for the customer. When the opening of the new account of the customer is completed, the host computer 31 transmits information indicating that the opening of the account is completed to the branch terminal 11. When the store terminal 11 receives the information that the account opening has been completed, the transaction control function unit 15 determines that the account opening process has been completed and, as shown in FIG. 6, the fourth transaction step Is displayed on the display device.

  The seal registration screen 51 corresponds to a customer number display field 52a for inputting a customer number of a registered customer, an account number display field 52b for displaying an account number, and a newly opened account. A form image display field 52c is displayed in which an image of the form including the seal to be registered is displayed. Further, since a tab-like screen name display portion 45d protruding downward is formed integrally with the seal registration screen 51 at the lower edge of the seal registration screen 51, the person in charge is displayed on the display device. It can be recognized that the existing screen is the seal registration screen 51.

  Since the customer number of the registered customer is taken over from the account opening screen 47 corresponding to the account opening process as the already completed third transaction step, it is automatically entered in the customer number display field 52a. . The inherited data is stored in the transaction control file 18 as inherited data information. That is, data can be taken over between the screens corresponding to the transaction steps defined in the transaction control file 18 so as to save time for input. In addition, since the inherited data is protected and displayed, the person in charge does not change it by mistake.

  Further, since the account number of the newly opened account is given by the host computer 31 when the account opening is completed and transmitted to the branch terminal 11, it is automatically entered in the account number display field 52b. . Furthermore, the form image displayed in the form image display field 52c is an image obtained by setting the form received from the customer by the person in charge on a scanner connected to the branch terminal 11 and reading it.

  And the seal registration process as a 4th transaction step is performed by the said seal registration screen 51. FIG. In this case, when the person in charge reads the image of the form received from the customer by the scanner and depresses the transmission key on the keyboard, the branch office terminal 11 displays the customer number display field 52a, the account number display field 52b, and the form image display field. The customer number, the account number, and the seal stamp displayed in 52c are transmitted to the seal server. The seal stamp server that has received the customer number, the account number, and the seal stamp accesses its own storage means, and performs seal registration based on the customer number, the account number, and the seal stamp. When the seal registration corresponding to the newly opened account of the customer is completed, the seal server transmits information indicating that the seal registration is completed to the branch terminal 11. When the sales office terminal 11 receives information indicating that the seal registration has been completed, the transaction control function unit 15 determines that the seal registration process has been completed.

  Subsequently, when the seal registration process is completed, the transaction control function unit 15 determines that the opening of a new account as a financial transaction has been completed, and ends the process. Thereby, the menu screen 41 as shown in FIG. 2 is displayed again on the display device of the branch terminal 11 as a default screen.

Next, a flowchart will be described.
Step S1: Recognizing that a new account is opened based on the slip.
Step S2: In the transaction number input field 42 of the menu screen 41, enter a transaction number corresponding to opening a new account.
Step S3 A screen for opening a new account is displayed on the display device.
Step S4 The customer inquiry process is executed by the customer inquiry screen 43.
Step S 5: It is determined whether or not it has been registered in the host computer 31. If it has been registered in the host computer 31, the process proceeds to step S7. If it has not been registered in the host computer 31, the process proceeds to step S6.
Step S6: The customer registration process is executed by the customer registration screen 46.
Step S7 Account opening processing is executed by the account opening screen 47.
Step S8 The seal registration process is executed by the seal registration screen 51.

  As described above, in the present embodiment, the display device of the branch office terminal 11 displays the screen name display unit 45 corresponding to all the transaction steps included in one financial transaction on one display screen. It has become. And the number of the said screen name display part 45 corresponds with the number of the transaction steps corresponding to a financial transaction, and the order in which each screen name display part 45 was arranged corresponds with the execution order of a transaction step. Therefore, the person in charge of the counter operating the branch terminal 11 can easily grasp the contents of all the transaction steps corresponding to one financial transaction and the execution order of each transaction step. Further, a screen for executing each transaction step is sequentially displayed on the display device of the branch office terminal 11. Thereby, since the said person in charge can perform each transaction step reliably in a short time, it can complete the process for financial transactions reliably in a short time. Therefore, the burden on the person in charge can be reduced, and the time for completing the process for the financial transaction can be shortened. Thereby, customer service can be improved and the processing efficiency of the counter in the sales office can be improved.

  In the present embodiment, the case where the financial transaction needs to perform a plurality of transaction steps has been described. However, the financial transaction may only perform a single transaction step.

  The present invention is not limited to the above-described embodiment, and various modifications can be made based on the spirit of the present invention, and they are not excluded from the scope of the present invention.

It is a conceptual diagram which shows the structure of the branch office system for financial institutions in embodiment of this invention. It is a 1st figure which shows the screen of the branch office terminal in embodiment of this invention. It is a 2nd figure which shows the screen of the branch office terminal in embodiment of this invention. It is a 3rd figure which shows the screen of the branch office terminal in embodiment of this invention. It is a 4th figure which shows the screen of the branch office terminal in embodiment of this invention. It is a 5th figure which shows the screen of the branch office terminal in embodiment of this invention. It is a flowchart which shows operation | movement of the branch office system for financial institutions in embodiment of this invention.

Explanation of symbols

11 Branch office terminal 16 Terminal database 17, 23 Transaction definition files 18, 24 Transaction control file 21 Branch office server 22 Server database 31 Host computer 45 Screen name display section

Claims (6)

(A) Arranged at a sales office of a financial institution, provided with a display device and a terminal database, connected to an accounting system host device, and executes processing for financial transactions by communicating with the accounting system host device A branch terminal for a financial institution that
(B) the terminal database, or the a transaction definition file and transaction control file to the financial institution for the office terminal is stored in a server connected to a database of the office server, and stores the number of transactions the names and screen The transaction definition file that stores the screen numbers in order, specifies the transaction steps included in the financial transaction, and the data that controls the transfer of the transaction steps, specifies the data transfer between the screens corresponding to the transaction steps. Based on the transaction control file to be stored, a screen including a screen name display unit corresponding to all the transaction steps required to complete the processing for the selected financial transaction is displayed on the display device, and each transaction step is supported. Input screens that correspond to transaction steps on a one-to-one basis, sequentially displayed in a predetermined order on the display device,
(C) A financial institution that makes it possible to refer to an input screen corresponding to a completed transaction step during one financial transaction and prohibits re-input to the input screen corresponding to the completed transaction step. For store terminals. The branch terminal for financial institutions according to claim 1 , wherein a mark indicating completion is given to a screen name display portion corresponding to a completed transaction step. The order in which the input screen is displayed, the by selecting the appropriate transaction step in the screen name display unit, the office terminal for financial institutions according to claim 1 can be changed. The transaction based on the control file, the office terminal for financial institutions according to any one of claim 1 to 3 can be displayed on the transaction screen information entered in the completed transaction steps. The data for controlling the transition of the transaction step stored in the transaction control file includes transaction step condition information, and based on the transaction step condition information, an input screen corresponding to an unnecessary transaction step is not skipped and displayed. Item 5. The branch terminal for a financial institution according to any one of Items 1 to 4 . (A) Arranged at a sales office of a financial institution, provided with a display device and a terminal database, connected to an accounting system host device, and executes processing for financial transactions by communicating with the accounting system host device A branch terminal that
(B) a financial institution system for a financial institution that is disposed in a sales office of the financial institution, includes a server database, and has a sales office server connected to the accounting system host device and the sales office terminal;
(C) the office terminal, the a terminal database or server database stored transaction definition file and transaction control file, and stores the number of transactions names and screen, and stores the screen number in order, financial transactions Selected based on the transaction definition file that defines the transaction steps included in the transaction, and the transaction control file that stores the data that controls the transition of the transaction steps, defining the transfer of data between the screens corresponding to the transaction steps A screen including a screen name display unit corresponding to all the transaction steps required to complete the process for the financial transaction is displayed on the display device, and is an input screen corresponding to each transaction step. The corresponding input screen is sequentially displayed on the display device in a predetermined order,
(D) A financial institution that makes it possible to refer to an input screen corresponding to a completed transaction step during one financial transaction, and prohibits re-input to the input screen corresponding to the completed transaction step. For store system.

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