JPH04105169A - Transfer processor - Google Patents

Abstract

PURPOSE:To make it unnecessary to go to a financial organ directly for a transferer himself and to eliminate the time constraint of the person himself by executing transfer service to the financial organ with using a telephone. CONSTITUTION:A transfer processor 1 consists of a line connecting part 2, a sound frequency recognizing part 3, a synthesized sound control part 4, a control part 5 and a storage part 6. A push-button type telephone (telephone) 9 is connected to the line connecting part 2 through a telephone circuit 7 and the line connecting part 2 is connected to an A bank host computer 10 through a host computer dedicated line 8 and moreover, is connected also to a B bank host computer through a inter-host computer dedicated line 12. Then, the transfer processing is executed with using the telephone 9. Thus, time that a transferer himself goes to a financial organ directly and executes procedure can be reduced.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to a transfer processing device used in financial institutions and the like, and particularly to a transfer processing device using a telephone.

[Conventional technology]

Traditionally, when processing a transfer at a financial institution, the transferor or his/her agent must either go directly to the financial institution and request a counter operation person, or operate an automatic transfer device installed at the financial institution. I then made the transfer.

If you want to make regular transfers, there is a method called automatic withdrawal from your own account.

[Problem to be solved by the invention]

The above-mentioned conventional transfer process has the disadvantage that the transfer person is required to go directly to the financial institution, thereby eliminating the time constraints of the transfer person.

In addition, recently, financial institutions have implemented two-week holidays,
Furthermore, there is a restriction that bank transfers can only be made three times in the afternoon on weekdays, which puts a considerable burden on single people and those working alone.

[Means to solve the problem]

The transfer device of the present invention includes a line connection unit that connects a telephone line and a dedicated computer line, a voice frequency recognition unit that recognizes a voice frequency input from the telephone line, and an operation using the telephone line. a synthetic voice control unit that outputs guidance voice to the operator; a storage unit that stores financial information regarding the operator; and control that controls the line connection unit, the voice frequency recognition unit, the synthetic voice control unit, and the storage unit. It consists of devices.

〔Example〕

Next, the present invention will be explained with reference to the drawings.

FIG. 1 is a block diagram showing one embodiment of the present invention. In FIG. 1, reference numeral 1 denotes a transfer processing device, and line connection section 2. Speech frequency recognition section 34 Synthesized speech control section 4. It is composed of a control section 5 and a storage section 6. A push-button telephone (hereinafter referred to as telephone) 9 is connected to the line connection section 2 via a telephone line 7. In addition, the line connection section 2 is connected to the host
The computer is connected to a bank A host computer 10 via a dedicated computer line 8, and is further connected to a bank B host computer via a host O computer dedicated line 12.

Next, as an example of the operation of the transfer processing apparatus of the present invention, a case will be described in which the transferor makes a transfer from his own account at Bank A to the other party's account at Bank B. First, the transfer person uses the telephone 9 to transfer to the transfer processing device 1 installed at Bank A.
make a call to.

When the line connection section 2 receives a call, it notifies the control section 5 of the call. The control unit 5 switches to a conversation method for collecting necessary data about the payer himself/herself.

Then, the voice data stored in the storage unit 6 is sent to the synthesized voice control unit 4, and a number is input from the telephone, for example, as follows: ``We will begin the transfer service. Please enter your registration number.'' Prompt for input operations. If this is the registration number of the person making the transfer, for example 1234, press the button on the telephone 9 as 1.2.3.4. Line connection part 2
Upon receiving this, the audio frequency recognition section 3 decodes the input number and determines it as data 1234. In order to confirm this with the transfer person himself/herself, similarly, the voice data stored in the storage unit 6 and the number determined to be 1234 are synthesized, and the voice data stored in the storage unit 6 is synthesized with the number determined to be 1234. Is it 1234? If it is correct, please press the ``1'' button, and if it is incorrect, please press the ``2''button.'' Then, when the transferor presses the "1" button on the telephone 9, the line connection section 2 receives this and the voice frequency recognition section 3
The number entered in is determined to be “1”, that is, the correct number,
The data is temporarily stored in the storage unit 6 as the data of the transfer person's registration number 1234.

Thereafter, necessary data such as the principal's account number, transfer destination bank number, branch number, transfer amount, and transfer date are similarly collected and stored in the storage unit 6. When all the data is collected, the data in the storage section 6 is transmitted from the line connection section 2 to the bank A host computer 10 via the computer dedicated line 8. The A bank host 10 performs the specified transfer processing and sends the data to the B bank host Φ computer 11 via the host computer line 12. Finally, the transfer processing device 1 notifies the transferee of the transfer completion notification and ends the process.

〔Effect of the invention〕

As explained above, the present invention has the effect of reducing the time required for the transfer person to go directly to the financial institution and complete the procedures by using a telephone to perform transfer processing at a financial institution.

[Brief explanation of drawings]

FIG. 1 is a block diagram showing one embodiment of the present invention. 1... Transfer processing device, 2... Line connection section, 3...
Speech frequency recognition section, 4...Synthesized speech control section, 5...
Control unit, 6... Storage unit, 7... Telephone line, 8...
Computer dedicated line, 9...telephone, 10...A
Bank host) - computer, 11...B bank host
Computer, 12... Dedicated line between host and computer.

Claims (1)

[Claims] a line connection unit that connects a telephone line and a dedicated computer line; a voice frequency recognition unit that recognizes voice frequencies input from the telephone line; and a synthesized voice that outputs guidance voice to an operator using the telephone line. a control unit;
a storage unit that stores financial information regarding the operator; and a control device that controls the line connection unit, the voice frequency recognition unit, the synthesized voice control unit, and the storage unit; A transfer processing device characterized in that it performs transfer operations.