JP5960651B2 - How to open a new passbook certificate issuing machine and separate account - Google Patents

Description

  The present invention relates to a passbook certificate issuing machine that automatically opens a separate account desired by a customer who has an already issued passbook and issues the new passbook certificate by a customer-operated passbook certificate issuing machine outside the counter. It relates to a new automatic opening method for separate account.

  Conventionally, when a customer who owns an issued passbook opens a new account that is different from the account in the passbook, it is necessary to open it at the sales office window. He had exchanged procedures with the customer as a business, opened a separate account inside the window, and issued a new bankbook to the customer.

  In this case, the procedure for the window service is to show the customer's health insurance certificate or driver's license, etc. to verify the identity of the customer and the issued bankbook owned by the customer at the window. The name of the desired separate account, the amount to be transferred from the account in the current passbook, etc. are entered on the slip, and a registration stamp is imprinted on a predetermined form and submitted. The clerk inputs the data on the terminal device at hand based on the certificate, slip, paper, etc. that have been passed.

  The entered data is notified to the server of the management department, and when necessary processing related to the opening of a separate account is completed between the terminal device and the server, the form issuing device uses the branch number, account number, customer A new passbook of a separate account printed with the name of the account, the name of the account, and the name of the account, seals, etc. is issued by the bank employee. The bank employee hands over the bankbook to the customer.

  By the way, one form issuing device in a bank is usually provided for each of a plurality of windows. As for this form issuing device, it is ideal to provide one at least every two counters in order to carry out operations quickly.

  However, when only one machine is installed for a larger number of windows, a form issuing apparatus has been proposed in which issuance stackers for holding a plurality of forms with different contact persons issued by the form issuing apparatus are provided. (For example, refer to Patent Document 1.)

  In this way, the procedure for opening a new account and issuing the bankbook was performed exclusively at the sales office window. By the way, in addition to the above-mentioned form issuing devices that can only be handled by bankers, the bank can issue bankbooks as well as ATMs (automated teller [telling] machines) operated by customers, and carry forward passbooks dedicated to issuing carryover passbooks. There is a device.

  In the case of a city bank, about 10 ATMs are usually provided near the entrance. This ATM makes a deposit / withdrawal for the inserted passbook regardless of the type of account. Further, when all the lines in the print area of the passbook being processed are printed, a new passbook in which the amount carried forward is entered is also issued. However, there is nothing that opens a separate account or issues its passbook.

  In addition, one passbook carryover machine is usually provided at one corner of the waiting room. When a customer inserts a passbook with fewer lines in the print area into the passbook insertion slot, unprinted printing is performed, and when all printing is completed, a new passbook with the amount carried forward is issued from the new passbook exit Is done. However, even in this case, there is nothing that opens a separate account or issues its passbook.

  Therefore, the number of stocks of passbook media for each type of account that is not yet issued with blank entry fields for counters, ATMs, and passbook carryover machines is enormous, and a large amount of work is required to manage each stock quantity. And the total floor space of each stock storage also has room for improvement as it raises the fixed cost ratio of banks.

  In addition, when the bank is crowded, customers can wait for a long time just by opening a separate account, which is also beneficial for banks who want to diversify their transactions with the creation of separate accounts. There were also many problems that hurt the verdict of a new customer.

JP 2012-190108 A

  By the way, the procedure for opening a new account separately from the bankbook already owned and the issuing of the new bankbook are the window operations that are always performed at the window as described above. In other words, a bank clerk always intervenes and the bank clerk directly issues a new passbook. The customer simply describes the necessary information about himself / herself in a predetermined slip or the like and presents it to the bank staff together with the passbook owned.

  However, as described above, a passbook issuing machine and a passbook printer are required for the window service. In order to carry out operations quickly, it is necessary to provide one passbook issuing machine and one passbook printer for each of at least two windows.

  In this way, the bank clerk needs to issue a passbook, so a system other than a system that operates ATMs, passbook carryover machines, etc., such as a passbook issuing machine and passbook printer, etc. are required in the branch office. The introduction and operation cost of the bank counter business system was a major burden.

  In addition, unissued passbook media for each type of account will be distributed and managed for both the forwarder issuer outside the counter and the passbook issuer inside the counter, which makes management complicated. Was also left.

  The method of deploying the issue stacker described in Patent Document 1 can greatly reduce the number of passbook issuers and passbook printers and contribute to the economics of the bank. In order to rush into the issuing device, there are many and many types of forms in the issue stacker of the form issuing apparatus.

  In such a situation, there is a possibility that a form different from the form requested by the person in charge is taken out by mistake. If a form is taken out by mistake, it takes a lot of time to search for the form, which may greatly affect the business.

  In addition, even if the form can be taken out correctly, the employee in charge of the counter goes to the issue stacker to get a new passbook. As a result, the customer has to wait for a long time, and it is difficult to say that it is a good method from the standpoint of customer measures.

  The present invention solves the above-described conventional problems, and issues a customer operation type passbook certificate issuance outside the counter counter for newly opening a separate account desired by a customer who has an already issued passbook and issuing the new passbook. The purpose is to provide a passbook certificate issuing machine and a new automatic opening method for separate accounts.

  In order to solve the above problems, the passbook certificate issuing machine of the present invention is a customer-operated passbook certificate issuing machine that opens a separate account desired by a customer who has an already issued passbook and issues the new passbook. The new opening information acquisition means for acquiring information enabling the opening of a separate account exchanged with the customer at the window, and when the previously issued passbook is inserted into the passbook insertion slot, the new opening Based on the information acquired by the information acquisition means, when the customer is a customer who can newly open another account, an inquiry as to whether or not to open another account is displayed on the display screen. New opening inquiry means, display means for displaying a selection of a plurality of types of accounts when an input to open a new account is obtained from the customer in response to the inquiry from the new opening inquiry means, and the display means displays On multiple types And new passbook certificate issuing means for issuing a new passbook deed the mouth seat performs open processing of the account selected input by the customer of the account, configured to have a.

  The new establishment inquiry means hides the inquiry when, for example, the information acquired by the new establishment information acquisition means indicates that the customer is not capable of newly opening another account. Configured.

  In addition, in order to solve the above-mentioned problem, the separate account new automatic opening method of the present invention is a new method for opening a new account and a new one desired by a customer who has an already issued passbook by a customer-operated passbook certificate issuing machine. A method for automatically opening a separate account for issuing a passbook, a new opening information acquisition step for acquiring information that enables a new account to be opened at the window, and the previously issued passbook When the customer is a customer who can open a separate account based on the information acquired by the new opening information acquisition step, A new opening inquiry process that displays an inquiry as to whether or not to perform the transaction on the display screen, and when there is an input from the customer to open a new account in response to the inquiry of the new opening inquiry process, select multiple types of accounts Display possible And a new passbook certificate issuance step for performing the opening process of the account selected and inputted by the customer among the plurality of types of the accounts displayed in the display step and issuing a new passbook certificate for the account Configured as follows.

  In the new establishment inquiry process, for example, when the information acquired by the new establishment information acquisition process indicates that the customer is not capable of newly opening another account, the inquiry is not displayed. Configured.

  The present invention provides a passbook certificate issuing machine that automatically opens a separate account desired by a customer who has an already issued passbook and issues the new passbook by a customer-operated passbook certificate issuing machine outside the counter. A new automatic account opening method can be provided.

It is a figure which shows the separate account new opening system provided with the passbook certificate issuing machine which concerns on Example 1 of this invention. 1 is an external perspective view of a passbook certificate issuing machine according to Embodiment 1. FIG. It is sectional drawing which shows simply the internal structure of the passbook certificate issuing machine which concerns on Example 1. FIG. It is a block diagram of the control apparatus which controls the passbook certificate issuing machine which concerns on Example 1. FIG. It is a figure which shows the example of the data table for another account new opening constructed | assembled in the predetermined area | region of HDD in the control apparatus of the passbook certificate issuing machine which concerns on Example 1. FIG. It is a flowchart explaining the procedure of a response | compatibility with the bank employee and the customer in the delivery counter of a bank counter in the separate account new opening system which concerns on Example 1. FIG. It is a main flowchart which shows the process of the passbook certificate issuance transaction by the passbook certificate issuing machine after the correspondence of the transaction between the bank employee and the customer at the delivery window is completed. It is a sub-flowchart which shows the detail of "additional passbook certificate issue process 1" of the main flowchart. 9 is a sub-flowchart showing details of “additional passbook certificate issuance process 2” in the sub-flowchart of FIG. 8. (a), (b) is a figure which shows the example of the display screen displayed with respect to a customer on the operation screen of a passbook certificate issuing machine in the processing of a passbook certificate issue transaction, respectively.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
[Example 1]

  FIG. 1 is a diagram illustrating a separate account new opening system including a passbook certificate issuing machine according to the first embodiment. A separate account new opening system 1 shown in FIG. 1 is an example of a form issuing system in a financial institution such as a bank.

  A separate account new opening system 1 includes a plurality of branch office terminals 3 (3a, 3b,...), A passbook certificate issuing machine 4, a network 5, and a management server 7 arranged in a center 6. And a host device 8.

  The branch office terminal 3 and the passbook certificate issuing machine 4 are connected to a local area network (LAN) 9 in the branch office 2. The LAN 9 is connected to the network 5. The management server 7 and the host device 8 are connected to the LAN 10 in the center 6. The LAN 10 is connected to the network 5.

  The store terminal 3 is an operation terminal operated by a person in charge of the store 2. Note that the number of branch office terminals 3 arranged in the branch office 2 is not limited to the two branch office terminals 3a and 3b, and usually a large number of branch office terminals are arranged.

  The passbook certificate issuing machine 4 is a device that issues a new carry-over book in which the carry-forward transaction amount is recorded and a separate account new passbook in which only the initial deposit amount of a newly opened separate account is recorded. The host device 8 accepts transaction requests from the branch office terminals 3a and 3b, and executes financial transaction processing such as account management processing, transfer processing, and transfer processing.

  The management server 7 is a PIM (Passbook / Bond Issuing Machine) server. When receiving a voucher or certificate issuance request from the branch office terminals 3a and 3b, the management server 7 instructs a printer (not shown) to issue a voucher or certificate. Opening a separate account When the request for issuance of the new passbook is accepted, it issues an instruction to issue a separate account passbook to the passbook certificate issuing machine 4.

  In addition, the management server 7 receives notification of the processing result from the printer device or the passbook certificate issuing machine 4, and opens a new account in the branch office terminals 3a and 3b and issues a new form (passbook, certificate, etc.). The processing result is notified to the branch office terminal that made the request.

  Here, although not particularly illustrated, the store layout of the sales office 2 will be briefly described. The store of the sales office 2 includes a counter having a plurality of delivery windows for receiving slips and certificates and accepting new accounts. The inside of the store is roughly divided into an area inside the counter and an area outside the counter by the counter.

  The counter area is a place where the employee in charge of the sales office 2 performs work, and the employee who responds to the customer is located at the counter's delivery window. A staff member in charge of affairs other than the window is assigned. The branch office terminals 3a and 3b and the form issuing machine (printer) are arranged in this counter area.

  The area outside the counter is a general floor where customer entrances and exits are provided. This is an ATM area where a plurality of ATMs are installed, which is made of glass that can be used to fill in slips while standing. A table area where an entry table is installed and a waiting room area where a plurality of chaise lounges are installed are formed. The waiting room area is usually provided facing the counter of the delivery window.

  Each of the above regions usually has no such partition. Normally, one passbook carryover machine is installed at one corner of the waiting room area. In this example, a passbook certificate issuing machine 4 is installed instead of this passbook carryover machine. This is the bankbook certificate issuing machine 4 because the bankbook carryover machine issues a bankbook carried over but does not issue other types of bankbooks or certificates.

  A number card issuing machine is usually installed on the floor corresponding to the entrance to the waiting room area. The number slip issuing machine includes a number slip issuing machine and a display device. The number slip issuing machine issues a number slip on which a number indicating the order of waiting is printed to a customer entering the waiting room area, and displays the current waiting number on the display surface of the display device.

  When a customer receives a number card automatically issued from a number card issuing machine, the customer sees the current number of people waiting and knows what number their order is from now, and waits for their general waiting time from that order. Can know.

  FIG. 2 is an external perspective view of the passbook certificate issuing machine 4. The passbook certificate issuing machine 4 includes a newly issued passbook stacker 11 on the upper surface of the apparatus main body, a code reader 12 and a card reader 13 disposed on both sides thereof, an operation screen 14 that faces obliquely from the upper surface to the front, and an attached passbook arranged on the upper front. An insertion port 15, a power switch 16, and a front door 17 disposed below them are provided.

  The newly issued passbook stacker 11 is provided so that the customer can take out the carry forward passbook and the new account passbook discharged (issued) by the passbook certificate issuing machine 4. The code reader 12 is provided for a customer who has completed the procedure for opening a new account to read a code from a code slip received from a delivery window that has performed the opening procedure.

  The card reader 13 reads information recorded on the magnetic stripe of the magnetic card inserted and slid into the groove. The operation screen 14 is a touch panel formed by combining, for example, a liquid crystal panel and a transparent touch pad.

  The passbook certificate issuing machine 4 can be operated from the outside by pressing the display on the screen of the touch panel. For example, the customer can input the personal identification number received together with the code slip from the delivery window by touching a numeric keypad displayed on the screen of the touch panel.

  The attached passbook insertion port 15 is a passbook insertion port for writing (attaching). When the description of the amount entry line of the inserted passbook is full, the passbook with the full description is discharged, and then the new carried forward passbook is discharged. The power switch 16 is a push button type switch for operating power-on and power-off of the passbook certificate issuing machine 4.

  The front door 17 is a door that is opened and closed by an attendant when the passbook certificate issuing machine 4 is replenished or maintained with a new blank passbook.

  FIG. 3 is a cross-sectional view schematically showing the internal configuration of the passbook certificate issuing machine 4. In FIG. 3, the same components as in FIG. 2 are given the same reference numerals as in FIG. As shown in FIG. 3, the passbook certificate issuing machine 4 includes a passbook storage unit 18 and a passbook storage unit 19.

  Each of the passbook storage unit 18 and the passbook storage unit 19 includes a plurality of batch cassettes 20. The collective cassette 20 stores a passbook before issue. An RFID (Radio Frequency IDentification) tag and a magnetic stripe are attached to the passbook before issuance in advance.

  Further, the passbook certificate issuing machine 4 includes an issued passbook temporary storage unit 21 on the back surface of the front door 17, a passbook printer 22 between the newly issued passbook stacker 11 and the attached passbook insertion port 15, and a passbook printer 22. Are provided with a magnetic stripe reader / writer 23 and an RFID reader / writer 24.

  Furthermore, the passbook certificate issuing machine 4 includes a transport path 25 for transporting the passbook. The conveyance path 25 conveys the passbook from the passbook storage unit 18 or the passbook storage unit 19 to the newly issued passbook stacker 11 or the issued passbook temporary storage unit 21 and issues a passbook.

  The magnetic stripe reader / writer 23 reads and writes information from and to the magnetic stripe provided in the passbook. For example, the magnetic stripe reader / writer 23 records an account number or the like on the magnetic stripe when a new passbook is issued, and reads the record of the account number or the like from the magnetic stripe of the passbook inserted from the attached passbook insertion port 15.

  The RFID reader / writer 24 reads / writes information from / to the storage unit of the RFID tag attached to the passbook. For example, the RFID reader / writer 24 records an account number or the like in the storage unit of the RFID tag when a new passbook is issued, and reads a record of the account number or the like from the RFID tag of the passbook inserted from the attached passbook insertion port 15.

  Note that the identification information recorded in the storage unit of the RFID tag may be any information that can uniquely identify the passbook, and may be, for example, an account number or a serial number. The serial number may be recorded in advance in the storage unit of the RFID tag. In this case, the serial number and the account number are associated with each other when the passbook is issued.

  The passbook printer 22 prints information such as the holder, account number, branch name, balance, etc. on the passbook. The passbook certificate issuing machine 4 includes reject stackers 26 and 27 for storing passbooks to be rejected.

  FIG. 4 is a block diagram of a control device that controls the passbook certificate issuing machine 4. The entire control apparatus 30 shown in FIG. 4 is controlled by a CPU (Central Processing Unit) 31. A random access memory (RAM) 33, a hard disk drive (HDD) 34, a communication interface 35, a graphic processing device 36, and an input / output interface 37 are connected to the CPU 31 via a bus 32.

  The RAM 33 temporarily stores an OS (Operating System) program and application programs to be executed by the CPU 31. The RAM 33 temporarily stores various information necessary for processing by the CPU 31. The HDD 34 stores an OS, application programs, data tables and parameters necessary for processing.

  The communication interface 35 is connected to the LAN 10 of the center 6 via the LAN 9 and the network 5 in the sales office 2 shown in FIG. The communication interface 35 transmits and receives information between the management server 7 of the center 40 and the CPU 31 of the control device 30.

  The graphic processing device 36 displays an image on the display screen of the touch panel 38 via the input / output interface 37 in accordance with a command from the CPU 31. In addition to the touch panel 38, a transport unit 39 and a passbook storage unit 41 are connected to the input / output interface 37.

  Further, the input / output interface 37 includes a passbook printer unit 42, a magnetic stripe reader / writer 23, an RFID reader / writer 24, a code reader 12, a card reader 13 and a speaker 43 which are not shown in FIG. Is connected.

  The input / output interface 37 receives signals sent from the touch panel 38, transport unit 39, passbook storage unit 41, passbook printer 22, magnetic stripe reader / writer 23, RFID reader / writer 24, code reader 12, and card reader 13 on the bus 32. To the CPU 31 via

  The transport unit 39 is a unit that drives the transport path 25. The bankbook storage unit 41 is a unit that manages the discharge of the bankbook stored in the bankbook storage unit 18 and the bankbook storage unit 19 to the conveyance path 25 and the remaining amount of bankbook stored. The passbook printer unit 42 is a unit that controls the passbook printer 22.

  The magnetic stripe reader / writer 23, the RFID reader / writer 24, the code reader 12, and the card reader 13 are as already described. The speaker 43 is an internal device that cannot be seen in the external view of FIG. 2, and is used to issue an alarm to the outside when the passbook certificate issuing machine 4 has a problem in mechanical or processing results.

  FIG. 5 is a diagram showing an example of a data table constructed in a predetermined area of the HDD 34 in the control device 30 of the passbook certificate issuing machine 4. FIG. 5 shows a customer information table 44.

  The data in the customer information table 44 is accumulated on the management server 7 side based on the data input from the branch office terminals 3a and 3b, and the data table file is automatically created. It is a mechanism for downloading.

  The customer information table 44 shown in FIG. 5 includes a header part 45 and a data part 46. As shown in the item column 47, the header section 45 has two rows of data areas of “passbook certificate issuing machine header” and “reserve”. In the size column 48, it is described that the data size is 24 bytes and 8 bytes, respectively.

  Further, in the detail column 49 of “passbook certificate issuing machine header”, “basic information” as a bankbook certificate issuing machine header is described. Further, nothing is described in the “reserve” detail column 49. This is because “reserve” is a data area for function expansion in development, and is an unused area in this example.

  The data part 46 is a set of data parts 1, data parts 2, data parts 3,..., A data part n, and a data group corresponding to the number n of customers.

  Each data part i (i = 1, 2, 3,..., N), as shown in the data field 1, for example, as shown in the item column 47, “customer ID”, “issued passbook certificate type”. , “Additional issuable bankbook type”, “Store number”, “Basic account number”, “Basic account medium code”, “Additional account number”, “Status 1”, “PIN number 1”, “PIN number 2”, It has a 14-line data area of “PIN 3”, “RESERVE”, “STATUS 2”, and “EXTENDED INFORMATION”.

  In the size column 48, the data sizes are “8”, “8”, “8”, “3”, “7”, “5”, “7”, “3”, “4”, respectively. ”,“ 4 ”,“ 4 ”,“ 4 ”,“ 3 ”,“ 256 ”. In the “customer ID” detail column 49, the customer individual ID issued by the branch counter is described with data of up to 8 digits.

  Further, in the detail column 49 of “issued passbook certificate type”, what is the medium to be handled is set by an 8-digit flag. That is, “0 × 01” is set when the medium is an ordinary deposit medium, “0 × 02” is the medium for the general account, “0 × 04” is the medium for the time deposit, and “0 × 08” is the medium for the fixed product. “0 × 10” is set for a medium of a regular certificate, and “0 × 20” is set for a medium of a regular certificate.

  In addition, in the detail column 49 of “additional issuable passbook certificate type”, an 8-digit flag is set as to what kind of medium is to be handled. Again, “0x01” is set for the ordinary deposit medium, “0x02” for the general account medium, “0x04” for the term deposit medium, “0x04” for the fixed volume medium. “08”, “0 × 10” for the medium of the regular certificate, and “0 × 20” for the medium of the periodic certificate.

In the “store number” detail column 49, a number indicating the store number is described in three digits. In the detail column 49 of “basic account number”, the account number of the passbook of the master account (the account already opened when the customer information table 44 is created) or the certificate encryption is described in 7 digits. .
Further, in the detail column 49 of “basic account medium code”, the medium code of the passbook of the master account (already opened when the customer information table 44 is created) is described in five digits.

  Also, in the “additional account number” details column 49, the account number at the time of additional issuance is set in 7 digits. In the “Status 1” detail column 49, the passbook or certificate issued information is described in three digits.

  Further, in the detail column 49 of “PIN 1”, “PIN 2” and “PIN 3”, the PIN 1, PIN 2 and PIN 3 set by the customer are stored in 4 digits, respectively. “Reserve” is an expansion reserve column, and has not been used since the development function expansion has not yet been made.

  Further, in the “status 2” detail column 49, data indicating the current state of the additional issuance passbook (or certificate) is set. That is, information indicating whether or not the additional issue passbook (or certificate) can be issued normally is stored.

  “0 × 00” when there is no addition, “0 × 01” when it is normally issued, “0 × 02” when error processing is in progress, “0 × 04” when there is a recovered passbook, “0 × 10” is set when the additional issuance application has been completed (waiting for issuance), “0 × 20” is set when the issuance application is being approved (cannot be issued), and “0 × 40” is set when the additional issuance is impossible.

  The detail field 49 of “extended information” is an extended information storage area, and stores, for example, information such as the address of the imprint storage location registered by the customer at the time of the master account, the customer's address, age, and family structure. Is done.

  FIG. 6 is a flowchart for explaining a procedure for dealing with a bank employee and a customer at a bank counter delivery window in the system configuration of this example described above. In addition, the process shown here has shown the procedure used as the preceding transaction by the bank account and customer who are related to the addition (new) opening of another account, and the issue of the passbook.

  In this procedure, the customer goes to the counter's delivery counter, and the customer who has the already issued passbook opens a separate account and wishes to issue the new passbook. By applying to a counter attendant), the procedure starts as a counter-side transaction.

  First, the counter attendant performs the conventional counter service at the counter counter. In other words, the counter employee who has heard the customer's application gives the customer a slip on the application form for opening a new account. The customer enters the passbook issuance information in the slip at the window counter or an appropriate entry table (step S1). Here, the customer registers multiple passbook types that are scheduled to be issued according to the form of the slip.

  Following the above, the customer submits the slip filled in according to the format to the counter attendant (step S2). The counter employee confirms the identity of the customer based on the submitted slip, and inputs the customer passbook information using the sales office terminal 3 based on the record of the issued passbook presented by the customer. This input information is transmitted to the management server 7. Thereby, the passbook creation information is generated on the management server 7 side (step S3).

  Subsequently, the counter employee creates an ID for identifying the customer using the branch terminal 3 (step S4). This ID may be issued as, for example, a bar code or a two-dimensional code, a password entered by a customer from a password input device, or an RFID tag. In the following description, a bar code, a two-dimensional code, a personal identification number, or an RFID tag is collectively referred to as an ID.

  The created customer passbook issue information and ID are notified to the management server 7. The customer passbook issuing information and ID are downloaded from the management server 7 by the passbook certificate issuing machine 4, and the customer information table 44 shown in FIG. 5 is generated on the passbook certificate issuing machine 4 side (step S5). In this process, an additional account number unique to the customer that can be newly added as a separate account from the already issued account is written in the customer information table 44.

  The window attendant notifies the customer that the passbook of the new separate account has been registered for issuance and issues a receipt. The receipt slip is for the customer's recollection, and the customer passbook issuance information and ID are already registered in the management server 7 and the passbook certificate issuing machine 4, so the receipt slip may or may not be issued. Here, the counter-side transaction correspondence between the customer and the counter attendant ends (step S6).

FIG. 7 is a main flowchart showing processing of a passbook certificate issuance transaction performed by the passbook certificate issuing machine 4 after the correspondence between the bank employee and the customer at the delivery window is completed.
FIG. 8 is a sub-flowchart showing details of “additional passbook certificate issuance process 1” in the main flowchart.

FIG. 9 is a sub-flowchart showing details of “additional passbook certificate issuing process 2” in the sub-flowchart of FIG.
10A and 10B are diagrams showing examples of display screens displayed to the customer on the operation screen 14 of the passbook certificate issuing machine 4 in the above processing.

  In the main flowchart of FIG. 7, when the process is started, the CPU 31 first performs a passbook issue or carryover process (step S <b> 10). Subsequently, before discharging the passbook for which processing has been completed, the customer information table 44 is referred to and it is determined whether or not the customer can issue an additional passbook certificate (step S11).

  If the customer cannot issue the additional passbook certificate (No in step S11), the master passbook issued by the carry-over passbook or the carry-over book is discharged from the attached passbook insertion port 15 to the customer. It returns (step S17) and a process is complete | finished.

  On the other hand, if the customer is capable of issuing an additional passbook certificate (Yes in step S11), guidance is displayed on the screen before discharging the master passbook in transaction (step S12). In this process, the guidance 51 is displayed in the upper left part of the additional issue selection screen 50 shown in FIG. 10 (a). “If you wish to make a passbook, please press the button. Is displayed.

  Subsequently, the CPU 31 prompts for a transaction by displaying an additionally issued transaction selection key (step S13). In this process, the screen displays “Do you want to open a new account?” Following the guidance 51 on the additional issue selection screen 50 shown in FIG.

  Next, a passbook issuance button 52 and a certificate issuance button 53 are displayed below it, and a cancel button 54 is displayed on the right side of the guidance 51. Then, the CPU 31 waits for a button operation from the customer on the additional issue selection screen 50 (step S14).

  When the customer inputs a button, it is determined whether or not the input button is a cancel button 54 (step S15). If it is determined that the input button is the cancel button 54 (Yes in step S15), the master passbook is discharged from the attached passbook insertion port 15 and returned to the customer (step S18). The process is terminated.

  On the other hand, when the input operation button is not the cancel button 54 (No in Step S15), the passbook issue button 52 or the issue button 53 is pressed. At this time, the process proceeds to a sub-process of “additional passbook certificate issuance process 1” shown in FIG. 8 (step S16).

  The process of “additional passbook certificate issuance process 1” is performed as the process of step S16 in the main flowchart of FIG. 7 and the customer issues an additional passbook / certificate in the process of the main flowchart of FIG. The processing contents correspond to both the case of coming to the bank again at a later date and issuing an additional passbook / certificate while looking at the reception slip handed over the other day.

  For this reason, in the subsequent processing, the processing for inserting the master passbook and the processing for determining whether or not the customer can issue the additional passbook certificate appear overlapping with the processing of the main flowchart of FIG. These are processes for dealing with cases where the customer comes to the bank again at a later date.

  Therefore, the processes in steps S103 to S107 in FIG. 8 are omitted when they are directly performed as the processes in step S16 in the main flowchart in FIG. 7, respectively, but are described according to the display of the sub-flowchart in FIG. To do.

  In FIG. 8, first, the CPU 31 displays an additional issue selection screen 50 on the operation screen 14 (the same processing in step S14 in FIG. 7), and waits for a button operation from the customer (step S101).

  Then, when the customer performs an input operation on the button, it is determined whether or not the input operation button is the cancel button 58 (step S102). If it is determined that the input button is the cancel button 58 (Yes in step S102), the transaction processing is immediately terminated. The master passbook is discharged from the attached passbook insertion port 15 and returned to the customer.

  On the other hand, when the input button is not the cancel button 58 (No in Step S102), it is determined whether the medium for confirming the customer's ID is a card or a passbook (Step S103). If it is a card, the record of the card inserted and slid through the card reader 13 is read to identify the customer ID.

  If it is determined in step S103 that the medium is a passbook, the customer's ID is specified by reading the magnetic stripe record of the passbook inserted into the attached passbook insertion slot 15 (step S105). In this case, the passbook that has been read is stored in the inserted state without being returned to the customer (step S106).

  Subsequent to the above, the CPU 31 refers to the customer information table 44 and determines whether or not the customer can issue an additional passbook certificate (step S107). If the customer cannot issue the additional passbook certificate (No in Step S107), the process returns to Step S101 and waits for input of the cancel button 58.

  On the other hand, if the customer is capable of issuing an additional passbook certificate (Yes in step S107), the transaction type of the passbook issue to be selected by the customer is displayed on the operation screen 14, and input from the customer is awaited. (Step S108). In this process, a passbook issuance selection screen 55 shown in FIG. 10B is displayed.

  In the passbook issuance selection screen 55 shown in FIG. 10 (b), a message 56 for prompting selection of a transaction type is displayed in the upper left corner, “Please select a passbook or certificate transaction to be newly issued.” A group of six buttons 57 including a time deposit passbook button, a time deposit passbook button, a time deposit certificate button, an ordinary deposit certificate button, a general account passbook button, and a current account button are displayed, and a cancel button 58 is displayed on the upper right.

  When there is a selection input from the customer on the passbook issuance selection screen 55, the CPU 31 refers to the customer information table 44 and determines whether or not the selected passbook certificate is an issue target (step S109). .

  When the selected passbook certificate is not the issue target (No in Step S109), the operation screen 14 displays that the customer has selected the passbook that is not the issue target (Step S110). Returning to the process of S101, the process is restarted from the beginning.

  On the other hand, when the selected passbook certificate is to be issued (Yes in step S109), the process proceeds to the sub-process of “additional passbook certificate issue process 2” shown in FIG. 9 (step S111).

  In the sub-process of “additional passbook certificate issuance process 2” in FIG. 9, first, the CPU 31 sets the transaction amount of the passbook selected by the customer in addition (opening a separate account) (step S201). In this process, although not particularly shown, an amount input screen is displayed on the operation screen 14.

  When the customer inputs 0 yen on this amount input screen, only the passbook with a blank amount column is issued (step S202). On the other hand, it is assumed that an amount other than 0 yen, for example, 100,000 yen is input. In this case, a confirmation screen corresponding to the passbook type selected by the customer is displayed on the operation screen 14 (step S203).

  In this process, although not shown in particular, for example, if the passbook type selected by the customer is a regular deposit, the confirmation screen prompts the user to confirm that the monthly deposit amount is 10,000 yen. Display a message.

  In addition, when the passbook type selected by the customer is a time deposit, “the deposit amount is 100,000 yen. The annual interest rate is expected to be 1.xx%” is displayed. In addition, when the current account type is a current account, “deposit balance will be 100,000 yen” is displayed. In addition, when the passbook type is a time deposit certificate, “Deposit amount is 100,000 yen. Annual interest rate is expected to be 1.xx%” is displayed.

  Subsequently, the CPU 31 confirms transaction data with the management server 7 (step S204). In this process, the transaction amount (amount to be transferred to the new passbook) is notified from the CPU 31 to the management server 7, and the management server 7 confirms the deposit balance of the customer's master passbook account.

  Subsequently, based on the above confirmation, it is determined whether or not the ongoing passbook issuance transaction is correct (step S205). If the passbook issuance transaction is correct (Yes in step S205), the amount to be reduced for moving from the ordinary account (master passbook account) to the new passbook is recorded in the inserted passbook (step S206).

  Then, the new passbook or certificate in which the amount deducted from the ordinary account is recorded in the deposit column is discharged to the newly issued passbook stacker 11 (step S207), and the processing of the “additional passbook issue process 2” ends.

  The CPU 31 ends the process of “additional passbook certificate issuance process 2” and returns to the process of FIG. 8 to determine whether or not the transaction has ended (step S112). This process is a process for dealing with the case where there are two or more types of passbook certificates selected in step S108.

  If the transaction has not ended (No in step S112), the process returns to step S101, and the processes in steps S101 to S112 are repeated. On the other hand, if the transaction is completed, the processing of “Additional passbook certificate issuance process 1” is terminated and the process returns to the process of FIG. 7, the inserted passbook is returned to the customer, and the passbook certificate issuance transaction is terminated. To do.

  This allows customers who wish to open a separate account and issue a passbook to open a separate account and issue a passbook without waiting for the customer even when the store is busy. It can be realized quickly.

  On the other hand, if there is any procedural error in the passbook issuance transaction in the determination in step S205 of FIG. 9 (No in step S205), first, the CPU 31 inserts the inserted passbook into the attached passbook insertion port 15. To the customer (step S208).

  Subsequently, the CPU 31 displays on the operation screen 14 that “a new passbook (or certificate) cannot be issued” and the guidance staff needs to respond to the occurrence of a malfunction and the customer by communicating with the mobile terminal. The guidance person who received the notification goes to the place where the passbook certificate issuing machine 4 is installed and deals with the customer who is in trouble (step S209).

  As a result of dealing with the customer, the information desk confirms the reason why the passbook is not issued, and determines whether recovery is possible (step S210). If recovery is possible, recovery is performed, and the process returns to the process of step S207. If the recovery is impossible, the customer is guided to the window, and the process shown in FIG. 6 is explained to perform the passbook issuing procedure again, and the process ends.

  In this way, the information clerk only needs to deal with customers who are unfamiliar with the procedure for issuing a passbook for another account, and other customers can quickly open a new account and issue the passbook by themselves. Can be done.

  In addition, in the Example mentioned above, a various change can be added in the range which does not deviate from the summary of embodiment. For example, the present invention can also be applied to a case where a separate account is provided at the B branch by the already issued passbook of the A branch of the same bank.

  The present invention provides a passbook certificate issuing machine that automatically opens a separate account desired by a customer who has an already issued passbook and issues the new passbook by a customer-operated passbook certificate issuing machine outside the counter. It can be used for a new automatic account opening method.

1 New Account Opening System 2 Branch 3 (3a, 3b, ...) Branch Terminal 4 Automatic Passbook Carrying Machine 5 Network 6 Center 7 Management Server 8 Host Equipment 9, 10 LAN (Local-Area-Network)
DESCRIPTION OF SYMBOLS 11 Newly issued passbook stacker 12 Code reader 13 Card reader 14 Operation screen 15 Additional passbook insertion slot 16 Power switch 17 Front door 18 Passbook storage part 19 Passbook storage part 20 Collective cassette 21 Issued passbook temporary storage part 22 Passbook printer 23 Magnetic stripe reader Writer 24 RFID (Radio Frequency Identification) reader / writer 25 Transport path 26, 27 Reject stacker 30 Control device 31 CPU (Central Processing Unit)
32 bus 33 RAM (Random Access Memory)
34 HDD (Hard Disk Drive)
35 Communication interface 36 Graphic processing device 37 Input / output interface 38 Touch panel 39 Transport unit 41 Passbook storage unit 42 Passbook printer unit 43 Speaker 44 Customer information table 45 Header part 46 Data part 47 Item field 48 Size field 49 Detail field 50 Selection of additional issue Screen 51 Guidance 52 Passbook issue button 53 Certificate issue button 54 Cancel button 55 Passbook issue selection screen 56 Message 57 Button group 58 Cancel button

Claims (4)

A customer-operated passbook certificate issuing machine that opens a separate account and issues a new passbook desired by customers who have an existing passbook,
New opening information acquisition means for acquiring information that enables opening of a separate account exchanged with a customer at a window;
When the already-issued passbook is inserted into a passbook insertion slot, based on the information acquired by the new opening information acquisition means, when the customer is a customer who can open a separate account, A new establishment inquiry means for displaying an inquiry as to whether or not to open a new account on the display screen;
Display means for displaying a plurality of types of accounts to be selectable when an input to open a new account is obtained from the customer in response to the inquiry of the new establishment inquiry means;
A new passbook issuing means for performing an opening process of an account selected and inputted by the customer among the plurality of types of accounts displayed by the display means and issuing a new passbook for the account;
A passbook certificate issuing machine characterized by comprising:   The new establishment inquiry means hides the inquiry when the information acquired by the new establishment information acquisition means indicates that the customer is not a customer who can newly open another account. The passbook certificate issuing machine according to claim 1. A method for automatically opening a separate account for a customer who has an already-issued passbook and issuing a new passbook by a customer-operated passbook certificate issuing machine,
New opening information acquisition process for acquiring information that enables opening of a separate account exchanged with a customer at a window;
When the already-issued passbook is inserted into a passbook insertion slot, based on the information acquired by the new opening information acquisition step, when the customer is a customer that can open a separate account, A new opening inquiry process for displaying an inquiry as to whether or not to open a new account on the display screen;
A display step of displaying a plurality of types of accounts in a selectable manner when an input to open a new account is obtained from the customer in response to the inquiry of the new establishment inquiry step;
A new passbook issuing process for performing the opening process of the account selected and input by the customer among the plurality of types of accounts displayed in the display step, and issuing a new passbook for the account;
A new automatic opening method for a separate account characterized by including:   The new establishment inquiry step is configured to hide the inquiry when the information acquired by the new establishment information acquisition step indicates that the customer is not a customer who can newly open another account. The method for automatically opening another account according to claim 3.

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