JPH06149855A - Exchange processing system - Google Patents

Abstract

PURPOSE:To provide an exchange processing system which can instantaneously process the payment of money and can reduce the load of a business office. CONSTITUTION:A business office 10 is provided with a printer means 11a which prints the information on the payment of money on a business form 1. This information is sent to a host 40 by a host transmitting means 14. The image data on the form 1 is sent to a section center 30 by a facsimile equipment 13. At the center 30, a character recognizer 32 recognizes the characters based on the image data on the form 1. The data undergone the recognition of characters is corrected and verified by a correcting/verifying means 33a. A comparator means 34a compares the verifying result of the means 33a with the information on the payment of money received by the host 40. If no equality is secured between the verifying result and the information due to a window terminal 11, this fact is reported to the facsimile equipment 13. If the inequality of comparison is caused by the center 30, the data is corrected and verified again by the means 33a.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a currency exchange processing system for transmitting image data of a form from a sales office of a financial institution to a district center by facsimile.

[0002]

2. Description of the Related Art In recent years, in financial institutions such as banks,
A currency exchange processing system is used that performs processing such as sending a form image such as a transfer request form from a sales office to a district center by facsimile, character recognition of the form image at the district center, and transmitting the result to a host. .

FIG. 2 shows such a currency exchange processing system. The system shown in the figure includes a sales office 10, a communication line 20, a district center 30, and a host (office center) 40. The sales office 10 is composed of a plurality of sales offices 10a, 10b, ....
Each of the business offices 10a and 10b has a plurality of window terminals 11 (11-1 to 11-n) and business offices 10a and 10b.
A terminal controller (TC) 12 that controls the internal network and communication with the host 40, and a facsimile (FAX) 13 that transmits the form 1 such as the transfer request form accepted by the counter terminal 11 as image data are provided. ing.

The district center 30 receives the image data of the form transmitted from the facsimile 13 via the communication line 20 and stores the facsimile image reception control unit (FCU) 31 and the facsimile reception control unit 31.
Receives the form data from the local center 30, controls the connection with the character recognition unit (CRU) 32 and a plurality of workstations (WS) 33 (33-1 to 33-n) provided in the district center 30, and And a main control unit (MCU) 34 for transmitting the recognition correction / verification result by the host 40 to the host 40. The character recognition device 32 converts the image data of the form received by the facsimile reception control device 31 into character data.
3 is the character data converted by the character recognition device 32,
This is for comparing and correcting the form image on the screen for correction and verification.

Next, the operation of the currency exchange processing system having the above configuration will be described. The following numbers correspond to the numbers in FIG. The customer can use the transfer table (such as
Fill in the request contents on Form 1). The form 1 filled in by the customer is accepted at the window of the business office 10, and the transfer process such as the deposit process is performed offline (the deposit process result is not immediately transmitted to the host 40).

The form accepted above is transmitted from the facsimile 13 of the sales office to the facsimile reception control device 31 of the district center 30. The facsimile reception control device 31 stores the received form data (compressed image data) in a storage device (not shown) and transmits it to the character recognition device 32 via the main control device 34. The character recognition device 32 decompresses the received form data, recognizes the characters written on the form, and converts the characters into character data. The result (character data + image data of the corresponding area) recognized by the character recognition device 32 is stored in a storage device (not shown) of the main control device 34 and then transmitted to the workstation 33.
Display the recognition result in No. 2 and correct and verify the misrecognition of characters.

The main control unit 34 stores the verification result (character data indicating the transfer contents) at the workstation 33 in the storage unit and transmits it to the host 40. After the above process, the main control device 34 automatically creates a list of transfer request contents (hereinafter, referred to as scrutinization list) for each sales office 10 at a fixed time interval (for example, once after every business day), The data is transmitted to the facsimile 13 of each business office 10a, 10b via the facsimile reception control device 31. At each business office 10a, 10b, the facsimile 13
Visually check the inspection list output and the actual item on the transfer request slip, and if there is no abnormality, perform payment processing. That is, the deposit processing result of the offline processing in the above processing is transmitted to the host 40 as a deposit electronic message.

[0008]

However, the above-mentioned conventional system has the following problems. (1) Since the actual items on the detailed examination list and the transfer request form are visually checked, the load on each of the business offices 10a and 10b is large, and the result judgment is forced to be done by humans. There was no drastic solution to injustice by insiders, and at best there were only incomplete ones that multiple people checked. (2) The deposit process cannot be performed promptly because the deposit process can be performed only after checking the actual items on the detailed examination list and the transfer request slip.

The present invention has been made in order to solve the above-mentioned conventional problems, and provides a currency exchange processing system capable of reducing the load on a sales office and performing deposit processing promptly and reliably. The purpose is to provide.

[0010]

According to a first aspect of the present invention, there is provided a currency exchange processing system in which a sales office, a district center, and a host are connected via a communication line, the sales office being provided at a counter terminal. The district center is provided with a printing unit for printing the deposit information on a form, a host transmitting unit for transmitting the deposit information to a host, and a facsimile for transmitting the image data of the form to a district center. Character recognition device for performing character recognition from the image data, correction verification means for correcting and verifying the recognition result by the character recognition device, the deposit information transmitted to the host, and the output result by the correction verification means. If the comparison result by the comparison means and the comparison means for comparing the above is different and this is due to an input error at the counter terminal,
If the comparison result by the comparison means and the notification means for transmitting the correction instruction to the facsimile of the sales office are different and this is due to an error in the district center, the correction instruction is issued to the correction verification means. It is characterized by comprising a correction instruction means for performing.

The currency exchange processing system of the second invention is a currency exchange processing system in which a sales office, a district center, and a host are connected via a communication line, wherein the sales office is provided at a counter terminal, and deposit information is stored in a form. Printing means, a host transmitting means for transmitting the deposit information to a host, and a facsimile for transmitting the image data of the form to a district center, and the district center recognizes characters from the image data of the received form. A character recognition device for performing the above, a correction verification means for correcting and verifying the recognition result by the character recognition device, a comparison means for comparing the deposit information transmitted to the host, and the output result of the correction verification means. If the comparison result by the comparison means is different and this is due to an input error at the counter terminal, correct the deposit information at the district center, If the comparison result by the correction content notifying means for notifying the host is different from the comparison result by the comparing means, and this is due to an input error at the counter terminal, a request for correction of deposit information is sent to the counter terminal of the sales office via the host. The correction requesting means to perform, the selecting means for selecting one of the correction content notifying means and the correction requesting means, and the comparison result by the comparing means are different, and this is due to an error in the district center. In this case, the correction verification means is provided with a correction instruction means for giving a correction instruction.

A third aspect of the present invention is the exchange processing system according to the first or second aspect of the present invention, which is a facsimile serial number assigning means for setting a facsimile serial number, which is a serial number of a form given at a counter terminal, at the start of business at a sales office. And a numbering selection means for selecting whether the setting of the facsimile serial number is performed by the host or the window terminal.

[0013]

In the currency exchange processing system of the first invention, when the customer fills in the request contents on the form, the request is accepted at the counter and the deposit information is printed by the printing means of the counter terminal.
Further, the printed deposit information data is transmitted to the host, and the form image data is transmitted from the facsimile to the district center. The district center performs character recognition from the received image data of the form, and further corrects and verifies the recognition result. Then, the deposit information transmitted to the host is received and compared with the verification result. If the comparison result is in agreement, the deposit process is completed, and if the comparison result is inconsistent, it is determined whether it is due to the sales office side or the district center side. If the contact terminal is a counter terminal, the correction instruction is sent to the facsimile. On the other hand, if it is from the district center side, the correction and verification is performed again by the correction verification means.

In the second aspect of the invention, when the deposit information received from the host does not match the result of character recognition at the district center and this is due to the counter terminal of the sales office, the district center will Correct the deposit information and send it to the host. Alternatively, a request for correction of deposit information is made to the counter terminal of the sales office via the host.

In the third aspect of the invention, the initial value of the facsimile serial number given at the counter terminal is set at the start of work, and thereafter the facsimile serial number is given based on this initial value. Therefore, the facsimile serial number is never known in advance.

[0016]

Embodiments of the present invention will now be described in detail with reference to the drawings. FIG. 1 is a block diagram showing a first embodiment of the currency exchange processing system of the present invention. The system shown is
As in the conventional case, it includes a sales office 10, a communication line 20, a district center 30, and a host (office center) 40. The sales office 10 includes a plurality of sales offices 10a, 10b,
.., each of the business offices 10a and 10b has a plurality of window terminals 11 (11-1 to 11-n) and a business office 1
Terminal controller (TC) 12 that controls the network in 0a and 10b and the communication with the host 40
A facsimile (FAX) 13 for inputting an image of a form such as a transfer request form accepted at the counter terminal 11 and transmitting it as form data is provided.

Further, the window terminal 11 of this embodiment is provided with a printing means 11a. The printing means 11a is a transfer request form (hereinafter referred to as "form 1") when an operator inputs deposit information such as a facsimile serial number and an amount of money.
To be printed on. Then, the payment information is sent to the host 4 by the window terminal 11 and the terminal controller 12.
Host transmitting means 14 for transmitting to 0 is configured.

The district center 30 receives the form data transmitted from the facsimile 13 via the communication line 20 and accumulates the received form data.
U) 31 and the form data from the facsimile reception control device 31, and the character recognition device (CRU) 32 and a plurality of workstations (WS) 33 (33-1 to 33-n) provided in the district center 30. ) And controls the recognition correction / verification result by these hosts.
0 to the main control unit (MCU) 34.

The character recognition device 32 has the same function as the conventional character recognition device 32. Further, each workstation 33 has a correction verification means 33 for correcting and verifying the recognition result recognized by the character recognition device 32.
a is provided.

The main controller 34 includes a comparison means 34.
a, notification means 34b, and correction instruction means 34c are provided. Here, the comparison unit 34a has a function of comparing the deposit information transmitted from the sales office 10 to the host 40 and the result of correction / verification by the correction verification unit 33a.
Further, the notification means 34b has different comparison results as a result of the comparison by the comparison means 34a, and this is the window terminal 11
If it is due to an error on the side, the information indicating the error is sent to the sales office 1 via the facsimile reception control device 31.
It has a function of notifying the facsimile 13 of 0. Further, the correction instruction means 34c has a function of issuing a correction instruction to the correction verification means 33a of the workstation 33 when the comparison result is different and this is due to an error on the side of the district center 30.

Next, the operation of the above embodiment will be described.
Also in this embodiment, the following numbers correspond to the numbers in FIG. The customer writes the request contents such as the transfer destination, the transfer amount, and the name of the client by handwriting on the form on the book table of the sales office 10. The form entered by the customer above is accepted at the counter of the sales office 10, and by the transfer processing of the counter terminal 11, the sales office number and the facsimile serial number are placed at a predetermined position on the form different from the position of the request content filled in by the customer. The deposit information such as the amount and the fee is printed by the printing unit 11a.
The facsimile serial number means each business office 10a, 10
The key code is assigned as a serial number of the form processed for each b, and is a key code for detecting double transmission or omission of transmission of the form.

The deposit information (business office number, facsimile serial number, amount, fee) described above is transmitted as a deposit electronic message from the window terminal 11 to the host via the terminal controller 12. Facsimile reception control device 31 of district center 30 receives image data of a form received at a window (including contents requested by a customer's handwritten characters and a portion printed by printing means 11a) from facsimile 13 of sales office 10 via communication line 20. Send to. That is, in the processing, the deposit information is transmitted to the host 40 as character data (code data), and in the processing, the image data of the form itself is transmitted to the district center 30.

The facsimile reception control device 31 stores the received image data in a storage device (not shown) and transmits it to the character recognition device 32 via the main control device 34. The character recognition device 32 decompresses the received form data, and then recognizes the handwritten characters by the customer entered on the form and the characters printed on the counter terminal 11 and converts them into character data. In the above, the result (character data + image data of the corresponding area) recognized by the character recognition device 32 is stored in the storage device (not shown) of the main control device 34, and then transmitted to the workstation 33, and the workstation 33
Then, the character recognition result is displayed, and correction and verification are performed.

The main control unit 34 stores the verification result (character data indicating the transfer contents) in the workstation in the storage unit, and stores the deposit information (sales office number, facsimile serial number, amount, fee) sent above. It receives from 40 and collates with the above-mentioned verification result. here,
If the collation results are different, the workstation 33
In addition, the verification result (character data), the image data of the corresponding area, and the deposit information input at the counter terminal 11 are displayed to perform correction / verification. If this verification reveals a correction error in the workstation 33, the verification result is immediately transmitted to the host 40 after correction / verification and re-verification. By receiving this verification result, the host 40 determines that the deposit process has been performed (finished),
Subsequent processing is performed.

By the above verification, the counter terminal 1
When it is determined that the input error is 1, the workstation 33 transfers the data to the facsimile 13 of the sales office 10 via the main controller 34 and the facsimile reception controller 31.
Notify that an input error occurred during window processing of the form. As a result, after receiving the notification from the district center 30, the sales office 10 executes the change processing of the deposit information from the counter terminal 11 to the host 40. Upon receiving the change result, the host 40 determines that the deposit process has been performed (finished), and performs the subsequent process.

The main controller 34, at or after the above, at regular time intervals (for example, once after every work day),
A list is automatically created as a processing result by combining the contents of the transfer request and the deposit information input at the counter terminal 11 for each business office, and the business office 10 is operated via the facsimile reception control device 31.
To the facsimile 13.

FIG. 3 and FIG. 4 are flowcharts showing the processing of the business office 10 and the processing of the district center 30. That is, in the sales office 10, as described above, step S in FIG.
The processing of No. 1 corresponds, and in the above processing, acceptance of the form window (step S2) and transfer processing (step S3) are performed. Then, as a process, a transmission process to the host (step S4) is performed, and as a process, a transmission process to the district center 30 (step S5) is performed.

On the side of the district center 30, the process shown in FIG.
Facsimile reception control device 31 in step S1 in
The form data reception process in step S2 and the character recognition by the character recognition device 32 in step S2 are performed. Then, as processing, the recognition data is stored in the storage device of the main control device 34 (step S3), and the workstation 33 is operated.
The display and correction / verification processing are performed (step S).
4). Further, in the process, the deposit information is received from the host 40 and collated with the verification result of the workstation 33 (step S5). Then, it is determined whether or not they match (step S6), and if they do not match, verification is performed by the workstation 33 (steps S7 and S8). As a result of the verification at the workstation 33, if there is an error on the workstation 33 side, the workstation 33
In step S9, correction / verification is performed, and the verification result is transmitted to the host 40 (step S10).

On the other hand, in step S8, the counter terminal 1
If it is determined that there is an input error on the first side, the facsimile 13 of the sales office 10 is notified as the above processing.

Next, a second embodiment will be described in which a facsimile serial number is automatically assigned to prevent fraud. FIG. 5 shows the configuration of this embodiment. In this second embodiment, the host 4
0 is provided with a facsimile serial number numbering means 40a, and a workstation 33 of the district center 30 is provided with a numbering selection means 33b. The facsimile serial number assigning means 40a is for assigning a serial number after the start of work at the business office 10 so that the facsimile serial number assigned by the counter terminal 11 cannot be known in advance.

That is, if the facsimile serial number at the start of business can be known even before the day before, there is a possibility that a user inside the financial institution can be fraudulent such as performing a fictitious transfer process. For this reason, in the second embodiment, the initial value of the facsimile serial number given by the counter terminal 11 at the start of work is set by a person other than the operator of the business office 10.

The numbering selection means 33b is for selecting whether the numbering of the facsimile serial number is performed by the host 40 or the window terminal 11. That is, it is selected whether the host 40 gives the initial value of the facsimile serial number at the start of daily work to the window terminal 11 or automatically assigns the number at the window terminal 11. Incidentally, FIG.
Among the other parts, the configuration is the same as that of the above-described embodiment, and therefore, corresponding parts are designated by the same reference numerals and the description thereof is omitted.

Next, the operation of the other embodiment will be described.
First, it is assumed that an initial value of the facsimile serial number is selected in advance by the host number 40 from the host 40 by the numbering selection means 33b of the workstation 33.
Then, first of all, the contents of the request are filled in by the customer in the same manner as in the above embodiment.

Next, as a process', the initial value of the facsimile serial number at the start of work is transferred from the facsimile serial number assigning means 40a of the host 40 to the window terminal 11 via the terminal controller 12.

After that, in processing, the window terminal 11
Assigns a facsimile serial number from the initial value of the received facsimile serial number, and prints this facsimile serial number, sales office number, amount and fee on the form. Since the subsequent processing is the same as that of the above-described embodiment, the description thereof is omitted here. In the second embodiment described above, the facsimile serial number assigning means is provided in the host 40, but it may be provided in the counter terminal 11. That is, in this case, the window terminal 11 side automatically sets the initial value of the facsimile serial number.

Next, the third method for speeding up payment information processing
An example will be described. FIG. 6 is a block diagram showing the third embodiment. In the third embodiment, the main controller 34
In place of the notification means 34b in the first embodiment, the correction content notification means 34d and the correction request means 34 are used.
e is provided, and the selection means 3 is provided in the workstation 33.
3c is provided.

If the payment information from the host 40 and the verification result at the workstation 33 do not match, and the correction content notifying means 34d is an input error at the window terminal 11, the payment information at the workstation 33 is received. Is corrected and is transmitted to the host 40. Further, when the input error is made on the side of the counter terminal 11, the correction requesting means 34e transmits the counter terminal 1 of the sales office 10 via the host 40.
The request for correction of deposit information is made to 1. Further, the selection unit 33c is configured to notify the correction contents of these units 34.
This is a means for selecting which of the d and the modification requesting means 34e is used.

Next, the operation of the third embodiment will be described. First, the selection means 3 of the workstation 33 is prepared in advance.
Depending on 3c, the correction content notifying means 33d or the correction requesting means 3
Decide whether to use 3e.

First, the case where the correction content notifying means 33d is selected will be described. In this case, processing is the first
It is similar to the embodiment of. Then, in the processing, when the data is not matched as a result of the verification at the workstation 33 and it is found that this is an input error at the window terminal 11, the district center 30 determines that the workstation 3
In step 3, the deposit information is modified, and the modified content is transmitted to the host 40. Then, the host 40 notifies the window terminal 11 of the correction content. Host terminal 11 from host 40
Receives the corrections, the operator confirms this and
If the correction content is correct, the confirmed electronic message is transmitted to the host 40. As a result, the host 40 proceeds to the process, assuming that the deposit process has been performed.

Next, a case where the correction requesting means 33e is selected will be described. In this case, in the processing, if the data do not match, a notification of the deposit information correction request is sent from the workstation 33 to the counter terminal 11 via the main controller 34 and the host 40. As a result, the window terminal 11 that has received this correction request transmits the corrected content to the host 40, and the host 40 completes the deposit processing by receiving this. Also,
Since the processing is the same as that of the first embodiment, its explanation is omitted.

In the third embodiment, the selection means 33
Although c is provided in the workstation, other than this, it may be provided in the window terminal 11 or the facsimile 13. That is, the correction content notifying means 33d and the correction requesting means 33e are selected from the window terminal 11, or the facsimile 1
The configuration may be such that image data indicating which one of 3 is selected is transmitted to the district center 30 side and the district center 30 makes this selection.

[0042]

As described above, according to the currency exchange processing system of the first invention, the deposit information is printed on the form at the counter terminal of the sales office, the form data is transmitted to the host, and the form is transmitted. The image data of is sent to the district center for character recognition, and then the deposit data is processed by collating the data of the form sent to the host with the character recognized data. Immediate processing of payment is possible, and the burden on the sales office can be reduced.

Further, according to the currency exchange processing system of the second invention, the result of the collation between the data from the host and the recognition result at the district center does not match, and this is due to an input error at the counter terminal. If the district center side corrects the deposit information and sends it to the host for deposit processing, the district center may request the correction to the sales office counter terminal via the host. Because I did
It is possible to speed up the deposit process.

Further, according to the currency exchange processing system of the third invention, the facsimile serial number given to the counter terminal is set at the start of the work at the sales office. Therefore, in addition to the effect of the first invention, It is possible to prevent fraud using currency exchange processing.

[Brief description of drawings]

FIG. 1 is a configuration diagram showing a first embodiment of an exchange processing system of the present invention.

FIG. 2 is a configuration diagram of a conventional currency exchange processing system.

FIG. 3 is a flowchart showing an operation of a sales office in the first embodiment of the currency exchange processing system of the present invention.

FIG. 4 is a flowchart showing the operation of the district center in the first embodiment of the currency exchange processing system of the present invention.

FIG. 5 is a configuration diagram of a second embodiment of the currency exchange processing system of the present invention.

FIG. 6 is a configuration diagram of a third embodiment of the currency exchange processing system of the present invention.

[Explanation of symbols]

 1 Form 10 Sales Office 11 Counter Terminal 11a Printing Means 13 Facsimile 14 Host Sending Means 20 Communication Line 30 District Center 32 Character Recognition Device 33a Correction Verification Means 33b Numbering Selection Means 33c Selection Means 34a Comparison Means 34b Notification Means 34c Correction Instruction Means 34d Correction content notification means 34e Correction request means 40 Host 40a Facsimile serial number numbering means

Claims (3)

[Claims] 1. A currency exchange processing system in which a sales office, a district center, and a host are connected via a communication line, wherein the sales office is provided at a counter terminal, and a printing unit for printing deposit information on a form, A host transmitting means for transmitting deposit information to a host; and a facsimile for transmitting the image data of the form to a district center, the district center, a character recognition device for performing character recognition from the received image data of the form, A correction verification unit that corrects and verifies the recognition result in the character recognition device, a comparison unit that compares the deposit information transmitted to the host and an output result of the correction verification unit, and a comparison result by the comparison unit. Different, and if this is due to an input error at the counter terminal, notification means for sending a correction instruction to the facsimile of the sales office And a correction instruction means for giving a correction instruction to the correction verification means when the comparison result by the comparison means is different and this is due to an error in the district center. system. 2. A currency exchange processing system in which a sales office, a district center, and a host are connected via a communication line, wherein the sales office is provided at a counter terminal, and a printing unit for printing deposit information on a form, A host transmitting means for transmitting deposit information to a host; and a facsimile for transmitting the image data of the form to a district center, the district center, a character recognition device for performing character recognition from the received image data of the form, A correction verification unit that corrects and verifies the recognition result in the character recognition device, a comparison unit that compares the deposit information transmitted to the host and an output result of the correction verification unit, and a comparison result by the comparison unit. If it is different and this is due to an input error on the counter terminal, correct the deposit information at the district center and notify the host of this The content notification means and the comparison result by the comparison means are different, and if this is due to an input error at the counter terminal, a correction request means for making a deposit information correction request to the counter terminal of the sales office via the host, If the comparison result by the selecting means for selecting one of the correction content notifying means and the correction requesting means and the comparing means is different and this is due to an error at the district center, the correction verification is performed. A currency exchange processing system, comprising: a correction instruction means for giving a correction instruction to the means. 3. A facsimile serial number assigning means for setting a facsimile serial number, which is a serial number of a form given at a counter terminal, at the start of work at a sales office, and the facsimile serial number is set by either the host or the counter terminal. The currency exchange processing system according to claim 1 or 2, further comprising: a numbering selection means for selecting either.