JP5643394B2 - Terminal, transaction processing system, account opening system, transaction processing method and account opening method - Google Patents

Description

  The present invention relates to a terminal, a transaction processing system, an account opening system, a transaction processing method, and an account opening method for performing a transaction such as cash payment at a customer's request at a sales office of a financial institution. It relates to a mechanism that encourages the implementation of procedures.

  The conventional window terminal is a key for identifying registered seal data in accordance with the guidance on the transaction screen displayed on the display unit while referring to the transaction request slip delivered by the customer, for example, store number, subject, account, etc. When data such as a number required for the transaction is input, customer seal data is acquired from the server based on the input data. In addition, the counter staff sets a transaction request slip in the scanner unit, the scanner unit converts the transaction request slip into an image, and the seal data portion in which the customer's seal in the image image is stamped and the imprint data acquired from the server Are superimposed and displayed, and then cash processing in the window transaction is performed (see, for example, Patent Document 1).

JP 2001-256347 A (paragraphs “0013”-“0018”, FIG. 2)

  In recent years, financial services are becoming more liberalized, internationalized, deregulation of the window, diversification and complexity (investment trusts, insurance window sales, etc.), or part of work (inexperienced), requests for strengthening security and compliance The office staff's ability to handle office work varies depending on the information protection law, the Financial Instruments and Exchange Act, financial inspection manual revision, etc. The rules are not well known and approval by the officers is missing. These problems are more dependent on the skills of the staff at the counter, and there is a noticeable variation in office skills among the counter staff, resulting in the return of fees to customers due to such administrative errors. Then, there is a problem that it causes a loss of service for customers and a loss for financial institutions.

  An object of the present invention is to provide means for solving the above problems.

    In order to solve the above problems, the present invention provides a terminal used by an operator for a transaction of a financial institution, and a first check indicating an execution status of each processing item that can be executed in any order in one transaction A storage unit storing an item, a second check item that an operator should confirm in relation to the processing item during the processing of each processing item, a processing work area for inputting processing content related to a transaction, A display unit for displaying a screen in which an operator check area for displaying a second check item as a check list is displayed, and for the check list, the input status to the check list is confirmed within one processing item. When one processing item is executed, the execution status is reflected in the first check item. When the transaction is completed, the first check item is reflected in the first check item. Characterized in that it confirms the execution status of the item.

  According to the present invention, it is possible to prevent leakage of a counter service by a staff member, and it is possible to obtain an effect that it is possible to prevent a decrease in service to a customer, loss on a financial institution side, and the like.

The block diagram which shows the window system of Example 1 The flowchart which shows the window transaction process of Example 1. Explanatory drawing showing an example of operation guidance screen

  Hereinafter, embodiments of a window terminal according to the present invention will be described with reference to the drawings.

FIG. 1 is a block diagram illustrating a window system including a window terminal according to the first embodiment.
In FIG. 1, reference numeral 1 denotes a counter terminal, which is installed at a counter of a financial institution's sales office, and includes a display unit 2 such as an LCD or CRT, and an operation unit 3 such as a keyboard or a mouse. The counter transaction processing is performed with
A terminal control unit 4 of the window terminal 1 controls each part of the window terminal 1 in accordance with a control program stored in the terminal storage unit 5 to perform window transactions, and a host computer via a communication line 16 such as a dedicated line. 15 is communicably connected, and exchanges information necessary for carrying out the counter transaction.

Reference numeral 5 denotes a terminal storage unit which stores a control program and also stores a processing result by the terminal control unit 4.
The terminal storage unit 5 stores the office checklist and the office checkpoint in association with the processing items for each transaction type.
The office check list is a list enumerated as items to be checked by the counter staff among the items necessary for the office processing in the counter transaction, such as confirmation of the contents of a license or confirmation of omission of entry of a slip.

The office checkpoint is a list of essential processing items among the items executed by the window terminal in the office processing, and includes, for example, seal registration, identity verification photography, and seal verification.
Further, the terminal storage unit 5 has an execution information storage area for storing execution presence / absence information indicating the execution / non-execution of processing items of each office checkpoint related to the transaction type of the window transaction being executed.

Reference numeral 6 denotes a printer unit which has a function of printing a receipt printed with a transaction result of a window transaction and a function of printing a customer's passbook, and prints the transaction result on a passbook inserted into a passbook insertion / exit port. It has a function to discharge.
A scanner unit 7 has a function of reading, as image data, the contents entered by the customer from the slip used in the counter transaction and the seal stamp of the seal stamped by the customer.

A cash processing machine 10 is connected to the window terminal 1 through a communication line such as a LAN so as to be communicable, and has a function of depositing / withdrawing cash according to an instruction received from the window terminal 1. For each denomination, and a cash counter for counting the number and amount of each cash denomination stored in the cash cassette.
A host computer 15 is installed at the center of a financial institution and stores and manages customer account information such as the customer's name, account number, password, and account balance.

The effect | action of the structure mentioned above is demonstrated according to the step shown by S using the flowchart which shows the window transaction process of Example 1 shown in FIG.
In the window transaction using the window terminal 1 of the present embodiment, the screen for each process executed in one transaction is sequentially displayed in the processing work area of the operation guidance screen described later, but it is not necessarily performed in order. For example, when registering a seal after a deposit process in opening an account, it is possible to skip the deposit process and perform the seal registration first.

When a customer opens a time deposit account as a window transaction, the customer enters his / her name, address, account number, etc. in the transaction slip for opening a time deposit account in advance, and the driver's license as the transaction slip and identification card. Give the certificate to the counter at the counter.
S1, the terminal control unit 4 of the window terminal 1 recognizes the transaction for opening the time deposit account as the transaction type when the window clerk performs an input operation for starting the time deposit account opening by the operation unit 3.

S2, the terminal control unit 4 confirms the transaction slip and accepts the customer information described in the slip, and accepts the item to be processed by the receptionist. The office checklist for opening the time deposit account stored in the terminal storage unit 5 Read office checkpoints.
The read office checklist is a seal type confirmation that confirms that the seal is not a rubber stamp or a correction stamp, a license check, and a slip entry check, and the read office checkpoint is newly added when an account is opened. It is assumed that the deposit processing confirmation indicates execution of the deposit processing to the fixed time deposit account and the seal registration confirmation indicates that the seal data of the customer seal is registered.

FIG. 3 is an explanatory diagram showing an example of an operation guidance screen.
S3, the terminal control unit 4 as shown in FIG. 3, a processing work area 100 for inputting items necessary for window transaction processing in a wide range from the center to the left side, a staff check area 110 for displaying an office checklist, An operation guidance screen with a terminal check area 120 for displaying office checkpoints is displayed.

In FIG. 3, the processing work area 100 confirms the contents entered in the personal information input fields such as the customer's name, address, and telephone number as the input contents in the reception process items, and the contents input in each input field, and the next processing item. The “Next” key, etc. for moving to is arranged.
The clerk check area 110 displays a display of the check type items, confirmation of the license, confirmation of omission of slip entry, and a confirmation input unit that the clerk confirms and inputs for each item. By moving the pointer displayed on the display unit 2 with the mouse of the operation unit 3 and clicking on the confirmation input unit, a check mark is displayed on the confirmation input unit.

The terminal check area 120 displays a display indicating payment processing confirmation and seal registration confirmation, and a terminal confirmation display column relating to the display content.
The terminal confirmation display column is a column in which a check mark indicating that the processing is performed when the processing item related to the office checkpoint by the terminal control unit 4 is performed is displayed.
The contact person confirms the match by comparing the name and address of the customer's transaction slip with the name and address of the driver's license, and the customer's name, address and phone number are entered in the personal information input field of the processing work area 100. And press the “Next” key to display the processing work area 100 by switching to the next processing item.

  The terminal control unit 4 searches for items related to the office checklist displayed in the staff check area 110 based on the processing items in the processing work area 100 in which the “next” key is pressed, and confirms and inputs the corresponding items. Determine the presence or absence. The determination of the presence or absence of the confirmation input is always performed when the display of the processing work area 100 is switched to the next processing item in the subsequent steps.

  Therefore, for example, when the confirmation of the seal type on the displayed office checklist, the confirmation of the license, and the confirmation of omission of the slip are items related to the reception processing item, the confirmation input to the confirmation input section of the confirmation of the license is performed. When there is not, a screen with a word prompting to confirm the driver's license without confirming the display of the processing work area 100 and a confirmation key for inputting confirmation of the wording is displayed on the front of the display unit 2. By displaying the information, the attendant is cautioned.

When the terminal control unit 4 recognizes the input to the confirmation key, the terminal control unit 4 switches the display of the processing work area 100 to the content of the next processing item.
The terminal control unit 4 stores the customer's personal information input above in the window storage unit 5.
S4, the terminal control unit 4 displays the contents of the account opening deposit item that prompts the deposit to the new time deposit account in the processing work area 100 of the operation guidance screen.

When the cashier receives cash from the customer and inserts the cash into the cash processor 10, the terminal control unit 4 receives information on the amount of cash deposited from the cash processor 10 and stores it in the terminal storage unit 5. To do.
S 5, the terminal control unit 4 updates the terminal check area 120 so that a check mark is displayed in the terminal confirmation display column regarding the payment processing confirmation in the terminal check area 120, and deposits in the execution information storage area of the terminal storage unit 5. Information indicating the execution of the process confirmation is stored, and the contents of the seal slip copy item that prompts the processing work area 100 to acquire the image data of the seal stamp from the customer seal are displayed.

The contact person sets the transaction slip received from the customer in the scanner unit 7 and presses the “Next” key displayed in the processing work area 100.
S6, the terminal control unit 4 reads the seal stamp of the seal stamped on the transaction slip by the scanner unit 7 as image data, and stores the image data in the terminal storage unit 5 of the window terminal 1.
S 7, the terminal control unit 4 reads the stored personal information, deposit amount information, and image data of the seal imprint, and transmits a time deposit account registration instruction with these to the host computer 15.

The host computer 15 executes a process for opening a time deposit account based on the received time deposit account registration instruction, and sends a notification to the window terminal 1 that the process has been completed.
S <b> 8, the terminal control unit 4 updates the terminal check area 120 so that a check mark is displayed in the terminal confirmation display column regarding the seal registration confirmation in the terminal check area 120, and also creates a seal in the implementation information storage area of the terminal storage unit 5. Information indicating the registration confirmation is stored.

Thereafter, as a process for completing a transaction for opening a time deposit account, a passbook issuance process and a transaction card issuance process are performed. Before that, an overall check is performed in the following step S9.
S9, the terminal control unit 4 determines the presence / absence of confirmation input for each confirmation input part of the office check list in the clerk check area 110, and unprocessed office check from the implementation information in the implementation information storage area of the terminal storage unit 5 Perform a full check to determine if there are any points.

If there is an item for which there is no confirmation input in the office checklist, or there is an unprocessed office checkpoint and there is a problem with the overall check, the process proceeds to step S10, and confirmation input is made for all items in the office checklist, and If all office checkpoints have been implemented and there is no problem with the overall check, the process proceeds to step S11.
In this embodiment, all of the office checkpoints are implemented, and the reason for proceeding to the following step S10 is that there is an item for which there is no confirmation input of the office checklist. If the seal registration is performed first without performing the deposit process associated with the opening of the account, and the transaction for opening the time deposit account is to be completed while the deposit process is not yet processed, the deposit processing item is entered in the processing work area 100. At the same time, a screen indicating that the deposit processing item is unprocessed is displayed on the front of the display unit 2 to inform the counter staff of the unprocessed office checkpoint.

S10, when the terminal control unit 4 confirms an item for which there is no confirmation input in the office check list, a confirmation message including a confirmation prompt indicating that the message has been confirmed and a message prompting execution of the item on the office check list are arranged. When the screen is displayed on the front surface of the display unit 2 and the pressing of the confirmation key is recognized, the process proceeds to step S11.
S11, the terminal control unit 4 performs a process for issuing a passbook and a transaction card for a new time deposit account as a completion process as usual, and ends the transaction for opening a time deposit account.

  As explained above, in this embodiment, the clerk check area and the terminal check area are arranged on the operation guidance screen, and when the counter transaction proceeds without confirmation input in the confirmation input section, the confirmation input is made on the display section. A message prompting you to carry out the contents of the administrative checklist that did not exist is displayed, preventing the customer from making mistakes in the paperwork performed by the assistant, such as checking the license at the customer service. It is possible to prevent a decline in service for the service.

  In the first embodiment described above, the office checklist is the confirmation of the license and the confirmation of omission of the slip, but not limited to this, if the counter transaction is a transaction related to the investment product of the receivable, the description related to the investment product The confirmation may be made as an office checklist, and the contents of the contact person are likely to make mistakes in the contact transaction, and the contents are not limited.

  It is also possible to measure the skill of the staff based on the input made to the confirmation input unit. For example, even if there are few entries in the check column, analyze the window transaction without causing an error, or ending without displaying the warning screen without skipping the contents shown in the terminal check area. Then, it is sufficient to measure the skills of the counter staff.

DESCRIPTION OF SYMBOLS 1 Window terminal 2 Display part 3 Operation part 4 Terminal control part 5 Terminal memory | storage part 6 Printer part 7 Scanner part 10 Cash processing machine 15 Host computer 16 Communication line

Claims (8)

A terminal used by the operator for transactions with financial institutions,
A first check item indicating the execution status of each processing item that can be executed in any order in one transaction, and a second check item that should be confirmed by the operator in relation to the processing item during the processing of each processing item. A storage unit storing check items;
A display unit for displaying a screen in which a processing work area for inputting processing contents related to a transaction and an operator check area for displaying the second check item as a check list are provided;
For the checklist, check the input status to the checklist in one processing item,
When one process item is executed, the execution status is reflected in the first check item,
As for the first check item, the terminal checks the execution status of the first check item when performing the transaction completion process. The terminal according to claim 1,
When the operator performs input to switch the processing work area to the next processing item without performing input to the operator check area, a message is displayed to prompt execution of the office checklist corresponding to the operator check area A terminal characterized by being displayed on a screen. The terminal according to claim 2,
When the transaction is completed by an attendant, if there is an unprocessed item in the first check item, a notification that prompts execution of the process item is provided. A terminal used by an operator for account opening processing of a financial institution,
A first check item indicating the execution status of information input processing, seal registration processing, and deposit processing, which are processing items executed in one account opening processing, and related to the processing items during the processing of each processing item A storage unit storing a second check item to be confirmed by the operator;
A display unit for displaying a screen in which a processing work area for input related to an account opening process and an operator check area for displaying the second check item as a check list are arranged;
For the checklist, check the input status to the checklist in one processing item,
When one process item is executed, the execution status is reflected in the first check item,
For the first check item, the terminal checks the execution status of the first check item when the account opening process is completed. A transaction processing system using a terminal used by an operator for financial transaction business,
A first check item indicating the execution status of each processing item that can be executed in any order in one transaction, and a second check item that should be confirmed by the operator in relation to the processing item during the processing of each processing item. A storage unit storing check items;
A display unit for displaying a screen in which a processing work area for inputting processing contents related to a transaction and an operator check area for displaying the second check item as a check list are provided;
For the checklist, check the input status to the checklist in one processing item,
When one process item is executed, the execution status is reflected in the first check item,
About the 1st check item, when performing the completion processing of the transaction concerned, the execution situation of the 1st check item is checked, The transaction processing system characterized by things. An account opening system using a terminal used by an operator for account opening processing of a financial institution,
A first check item indicating the execution status of information input processing, seal registration processing, and deposit processing, which are processing items executed in one account opening processing, and related to the processing items during the processing of each processing item A storage unit storing a second check item to be confirmed by the operator;
A display unit for displaying a screen in which a processing work area for input related to an account opening process and an operator check area for displaying the second check item as a check list are arranged;
For the checklist, check the input status to the checklist in one processing item,
When one process item is executed, the execution status is reflected in the first check item,
As for the first check item, an account opening system is configured to confirm an execution status of the first check item when the account opening process is completed. A transaction processing method using a terminal used by an operator for financial transaction business,
The terminal
A first check item indicating the execution status of each processing item that can be executed in any order in one transaction, and a second check item that should be confirmed by the operator in relation to the processing item during the processing of each processing item. A storage unit storing check items;
A display unit for displaying a screen in which a processing work area for inputting processing contents related to a transaction and an operator check area for displaying the second check item as a check list are provided;
Confirming the input status to the checklist in one processing item;
Reflecting one execution item on the first check item when one process item is executed;
And a step of confirming the execution status of the first check item when performing the transaction completion process. An account opening method using a terminal used by an operator for account opening processing of a financial institution,
The terminal
A first check item indicating the execution status of information input processing, seal registration processing, and deposit processing, which are processing items executed in one account opening processing, and related to the processing items during the processing of each processing item A storage unit storing a second check item to be confirmed by the operator;
A display unit for displaying a screen in which a processing work area for input related to an account opening process and an operator check area for displaying the second check item as a check list are arranged;
Confirming the input status to the checklist in one processing item;
Reflecting one execution item on the first check item when one process item is executed;
And a step of confirming the execution status of the first check item upon completion of the account opening process.

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