JPH0927064A - Automatic transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make a store unmanned and solve the demand on a longer service time by performing nonroutine services at a business store including semifixed services. SOLUTION: The automatic transaction device which can be connected to a center through a line 15 is equipped with a display 9 which displays received data from the center, A speaker 16 which outputs the voice received from the center, a camera 24 which photographs a customer who operates the automatic transaction device, a microphone 5 which inputs a customer's voice, and a transmission/reception control means 21 which performs transmission/ reception control. Then the data received from the center are displayed on the display, an image inputted from the camera 2 is transmitted to the center, and voices are sent to and received from the center through the microphone and speaker, so that an interactive transaction between the customer who operates the automatic transaction device and a center-side person in charge is enabled.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction device installed in a store of a financial institution such as a bank, and more particularly, it conducts transactions such as deposit / withdrawal based on an operation of an operator such as a customer, and unmanned The present invention also relates to an automatic transaction device capable of conducting various transactions such as opening a bank account, which is a window service, through a dialogue between a customer and a staff member on the center side even at the store.

In recent years, financial institutions such as banks have been required to extend business hours and unmanned stores, and accordingly, it is desired to expand the transaction business by an automatic transaction device.
That is, an automatic transaction device is expected to avoid the extension of working hours due to the extension of business hours and to facilitate the business in an area where the number of visitors is small by unmanning the stores.

However, at present, there are still many operations such as account opening, address change, and window consultation that can only be performed by the window. This is because these tasks are difficult to handle with an automatic transaction device, such as the task of authenticating the person or the seal, the complicated task of inputting, and the interaction with the bank clerk. However, under the circumstances as described above, automation of operations in financial institutions such as banks is desired.

[0004]

2. Description of the Related Art FIG. 12 is an external view of a conventional automatic transaction apparatus. Hereinafter, a conventional example will be described with reference to FIG.

Conventionally, an automatic transaction device has been used in a financial institution such as a bank to automate a transaction with a customer. This automatic transaction device is installed in a store of a financial institution such as a bank and performs transactions such as deposit / withdrawal based on the operation of an operator such as a customer.

The appearance of the automatic transaction apparatus is as shown in the figure, for example. That is, a card entrance 101, a passbook entrance 102, a coin entrance 103, a bill entrance 104, a customer operation unit 105, etc. are provided on the front side of the automatic transaction device 100.

The card entrance 101 is a customer's cash card (transfer card, JIS card, etc.) required for transactions.
It is a doorway for putting in and out. Passbook entrance 102
Is an entry / exit for entering and exiting a customer's passbook (transaction passbook) for bookkeeping. The coin entrance / exit 103 is an entrance / exit for inserting / withdrawing coins required for deposit / withdrawal and change.
The banknote entrance / exit 104 is an entrance / exit for inserting / withdrawing banknotes necessary for deposit / withdrawal and change.

The customer operation unit 105 is for guiding the customer or inputting information necessary for a transaction. The customer operation unit 105 is provided with a touch panel having a color display and a touch keyboard together. When a customer makes a transaction, he / she can press a button on the touch panel while performing a transaction operation while seeing the display on the touch panel. Has become.

When a customer conducts a transaction by the automatic transaction device 100, a transaction item is selected on the touch panel from the menu screen displayed on the touch panel of the customer operation unit 105, and the questions displayed on the display are displayed on the touch panel. Touch the screen and answer. In this case, for example,
Insert a cash card from the card entrance 101 to carry out transactions such as withdrawal and transfer of cash.

By the way, in the automatic transaction device 100,
It is a method of conducting transactions with a touch panel from a menu screen that displays options for routine processing contents, that is, simple transactions such as cash withdrawal, transfer, and entry, so it is easy to understand, but consultation is possible. Atypical processing such as work is impossible, complicated input,
For example, it is very difficult to input characters such as address and name.

Further, printers equipped in the automatic transaction apparatus include a journal printer, a receipt printer, and a passbook printer, all of which are designed for a dedicated purpose and are not used for other purposes. For example, it is not possible or necessary to output a graph with a passbook printer.

[0012]

The above-mentioned prior art has the following problems. (1): The conventional automatic transaction device cannot be applied to services such as consultation services in which dialogue between a bank employee and a customer is indispensable, that is, atypical contact services. For example, opening a new account,
It is very difficult to process complicated input work such as address change notification and loan consultation.

(2): Since the documents or materials generated in the consultation work include various contents such as graphs, tables, characters and pictures, it is difficult to handle them with the conventional automatic transaction apparatus. That is, like receipts, it is possible to easily process items that need to be formatted in advance and to print only the necessary numbers etc., but the above-mentioned documents or materials can be processed by the automatic transaction device. It can neither be printed nor handled easily. Therefore, it is difficult to automate consultation services that require dialogue.

An object of the present invention is to solve the conventional problems as described above and to realize an automatic transaction apparatus capable of performing business in atypical sales offices including semi-standardized business. In addition, it aims to solve demands such as unmanned stores and expansion of business hours by realizing atypical work with an automatic transaction device.

[0015]

FIG. 1 is a diagram illustrating the principle of the present invention. The present invention is configured as follows to achieve the above object.

(1): A display 9 for displaying data (image data, character data, etc.) received from the center, a speaker 16 for outputting voice received from the center, and an automatic transaction device 1 of the automatic transaction device 1. The camera 2 for photographing the operator (customer), the microphone 5 for inputting the voice of the operator (customer) of the automatic transaction apparatus 1, the pen input device 3, the scanner 4, and the transmission / reception control means 21 are provided.

In this case, the automatic transaction apparatus 1 can be connected to a center via a line 15, the host apparatus 10 is provided in the center, and the host apparatus 10 has a camera 11 for photographing the staff at the center. A microphone 13 for inputting the voice of the staff on the center side and a speaker 12 for outputting the voice received from the automatic transaction device 1 are provided.

Further, the automatic transaction device is constructed as follows. (2): In the automatic transaction device 1 connectable to the center via the line 15, the display 9 for displaying the data received from the center, the speaker 16 for outputting the voice received from the center, and the operation of the automatic transaction device 1. A camera 2 for photographing a person, a microphone 5 for inputting a voice of an operator of the automatic transaction device 1, data sent from the center, and reception control of voice,
Further, the transmission / reception control means 21 for controlling the transmission of the image and the voice inputted from the camera and the microphone to the center is provided, and the transaction by the dialogue between the operator of the automatic transaction apparatus 1 and the staff at the center side is enabled.

(3): In the automatic transaction device 1 connectable to the center via the line 15, the display 9 for displaying the data (image data, character data, etc.) received from the center, and the voice received from the center A speaker 16 for outputting, a camera 2 for photographing a customer who operates the automated teller machine 1, a microphone 5 for inputting a customer's voice, data including an image sent from a center, voice reception control, and the camera. , A transmission / reception control means 21 for controlling transmission of images and voices input from a microphone to the center, data including images received from the center are displayed on the display 9, and images input from the camera 2 are transmitted to the center. At the same time, the center and the customer operating the automated teller machine 1 by transmitting and receiving voice with the center via the microphone 5 and the speaker 16. Allowed transactions through dialogue with side staff.

(4): The automatic transaction device 1 is provided with a pen input device 3 capable of inputting handwritten characters with a pen,
The handwritten character data input by the pen input device 3 can be transmitted to the center.

(5): The automatic transaction device 1 is provided with the scanner 4 for inputting image data by optical information reading, and the image data input by the scanner 4 can be transmitted to the center.

(6): The automatic transaction apparatus 1 is provided with a document printer 6 for printing out document data received from the center.

[0023]

The operation of the present invention based on the above configuration will be described with reference to FIG. In the automatic transaction device 1 installed on the store side,
The customer operates each part to carry out transactions. In this case, in the automatic transaction apparatus 1, the camera 2 and the microphone 5 capture the action (for example, the image of the upper body) and the story (voice) of the customer on the store side, and the transmission / reception control means 21 receives the captured image and voice.
Is sent to the host device 10 of the center via the line 15.

When the host device 10 receives the image and the voice sent from the automatic transaction device 1, the operation of the customer is displayed on the display 14 of the host device 10 and the talk (voice) of the customer is output from the speaker 12. As a result, the staff at the center side can understand the behavior and story of the customer who operates the automatic transaction apparatus 1.

At the center, the camera 11 and the microphone 13
Then, the operation of the staff member on the center side (for example, the image of the upper body) and the conversation (voice) are captured, and the captured image and voice are sent to the automated teller machine 1 via the line 15. When the automatic transaction device 1 receives the image and the voice from the center, the operation of the center staff member is displayed on the display 9 and the talk (voice) of the center staff member is output from the speaker 16.

As a result, the customer who operates the automated teller machine 1 can understand the actions and stories of the staff at the center. In this way, it becomes possible for the customer to interact with the staff on the center side, and transactions are carried out by this interaction.

In the transaction through the dialogue, for example, when an identification is required, the customer uses the scanner 4 to input the image data (image data) of the identification.
Further, when it becomes necessary to fill in the address, name, etc., the customer uses the pen input device 3 to input handwritten characters.

The image data (image data) or handwritten character data thus input is sent to the center under the control of the transmission / reception control means 21. At the center, the host device 10 receives the data and displays it on the screen of the display 14 for confirmation.

Further, when it becomes necessary to deliver the document created in the center to the customer, the host device 10 prepares the document, the data of the document is sent to the automatic transaction apparatus 1, and the document printer 6 of the automatic transaction apparatus 1 is sent. Print it out and give it to the customer.

According to the above, it is not always necessary to arrange a staff member on the store side, and the staff members who have conventionally been required to be arranged on each store side are concentrated in the center, and areas where the number of visitors is constantly small It will be possible to unmanned the store. In addition, sales such as consultation services at the counter can be performed only at the center during the hours when the number of visitors at night is small.

Further, regarding the input work of the customer that occurs in the consultation work, the customer information is input by using the pen input device 3 and the scanner 4, and the input staff of the center confirms the input to facilitate the input work of the customer. it can. Since the document printer 6 for printing documents according to instructions from the staff on the center side is provided, it is possible to print and provide the customer with the consultation contents generated in the consultation work.

Therefore, it is possible to realize an automatic transaction apparatus capable of performing atypical business operations including semi-atypical operations. Further, by realizing atypical work with an automatic transaction device, it is possible to solve demands such as unmanned stores and expansion of business hours.

[0033]

Embodiments of the present invention will be described below with reference to the drawings. §1: Description of basic configuration of embodiment--see FIG. 2 FIG. 2 is a basic configuration diagram of the embodiment. The basic configuration of this embodiment is as shown in the figure, and is composed of a center side device and a store side device connectable to the center side device via a line (communication line) 15. A host device 10 is provided on the center side, and the host device 10 includes a display 14,
Camera (video camera) 11, speaker 12, microphone 1
3 etc. are provided.

Further, an automatic transaction device 1 (device of this embodiment) is provided on the store side, and this automatic transaction device 1 has a camera (video camera) 2, a pen input device 3, a scanner (image scanner). 4. Microphone
5, a speaker 16, a document printer 6, a passbook unit 7, a card reader / writer 8, a display 9 and the like are provided.

The automatic transaction device 1 on the store side is configured to be connectable to the host device 10 on the center side via a line 15. Then, the automatic transaction device 1 and the host device 1
When 0 is connected via a line, the automatic transaction device 1 is configured to communicate with the host device 10 so that various data such as image data, character data, and voice data can be transmitted and received.

§2: Outline of Basic Processing An outline of processing in the basic configuration shown in FIG. 2 will be described. The automatic transaction device 1 on the store side is installed in, for example, a store of a bank, and a customer of the bank operates each part of the automatic transaction device 1 to perform a transaction. In this case, in the automatic transaction device 1, the camera 2 and the microphone 5 are used to operate the customer on the store side (for example,
The image of the upper body) and the story (voice) are captured, and the line 15
To the host device 10, which is the center side device.

When the host device 10 receives the information sent from the store side, the host device 10 displays the operation of the customer (for example, an image of the upper half of the body) on the display 14 of the host device 10 and talks with the customer (voice). Output from the speaker 12. As a result, the center staff can understand the behavior and story of the customer on the store side.

On the center side, the camera 11 and the microphone 13 capture the operation of the staff on the center side (for example, the image of the upper half of the body) and the speech (voice), and send it to the store side via the line 15. On the store side, when the data (image data, voice data, etc.) from the center is received, the operation of the center staff is displayed on the display 9 based on the data, and
The speaker of the staff at the center is output from the speaker 16. As a result, the customer on the store side can understand the operation and talk of the staff member on the center side. In this way, it becomes possible to have a dialogue between the customer on the store side and the staff member on the center side, and it becomes possible to conduct a transaction by this dialogue.

According to the above, it is not always necessary to arrange the staff at the store side, and the bank staff, which has conventionally been required to be arranged at each store side, is concentrated at the center side,
It will be possible to unmanned stores in areas where the number of visitors is constantly small. In addition, sales such as consultation services at the counter can be performed only at the center during the hours when the number of visitors at night is small.

Further, regarding the input work of the bank customer that occurs in the consultation work, the customer information is input by using the pen input device 3 and the scanner 4, and the center staff member confirms the input to facilitate the input work of the bank customer. You can Since the document printer 6 for printing documents according to the instruction of the center staff is provided in the automatic transaction apparatus 1, it is possible to print and provide the consultation contents generated in the consultation work to the bank customer. The details will be described below.

§3: Description of network configuration ... FIG.
Reference FIG. 3 is a network configuration diagram. As the center,
For example, a consultation center 37 is provided. A plurality of host devices 10 are installed in this consultation center 37. Further, each host device 10 of the consultation center 37 is connected to an accounting host 31 via a line 30, and the accounting host 31 is connected to a ledger data file device 32 having ledger data.

On the other hand, on the store side, there are a number of stores such as store A, store B, store C, store D, etc., and each store has the above-mentioned automatic transaction device 1 (the structure of this embodiment). (Equipment), a normal automatic transaction apparatus 100 (conventional apparatus), and the like are installed. The automatic transaction device 1 of each store is configured to be connectable to the host device 10 of the consultation center 37 via the line 15.

§4: Description of the appearance of the automatic transaction device--see FIG. 4 FIG. 4 is an external view of the automatic transaction device. The appearance of the automated teller machine 1 installed on the store side is as shown in the figure, for example.
This example is an example of an integrated device, in which the main body of the automatic transaction device 1 is installed inside the wall 39, and only the portion required for customer transactions is exposed outside the wall 39 (customer operation surface side). .

In this case, on the outside of the wall 39, the camera 2, the pen input device 3, the scanner 4, which constitute the automatic transaction device 1,
A document printer 6, a passbook unit 7, a card reader / writer 8, a display 9 and the like are provided. Further, a lighting electric lamp 40 is provided above the automatic transaction apparatus 1 to illuminate the front portion (customer operation surface side) of the automatic transaction apparatus 1.

§5: Description of the structure of the automatic transaction device--see FIG. 5 FIG. 5 is a block diagram of the automatic transaction device. The automatic transaction device 1 includes a main controller 20, a camera (video camera) 2, a display 9, a microphone (microphone) 5, a speaker 16, a scanner (image scanner) 4, a document printer 6, a pen input device 3, and a passbook. A unit 7, a card reader / writer 8, a journal printer 17, a receipt printer 18, a communication controller 19, etc. are provided. The functions and the like of the respective units are as follows.

(1): The main control section 20 performs various controls in the automatic transaction apparatus 1. (2): The camera 2 captures a customer who operates the automated teller machine 1 and inputs the image. In addition, camera 2
Is provided with an ADC (analog / digital converter), and by this ADC, the input image (image signal,
Or a video signal) is converted into a digital signal and output.

(3): The display 9 is a touch panel type display in which a color display and a touch keyboard are combined, and an interactive screen area is provided in a part of the area.

The interactive screen area is an area for displaying an image of a staff member on the center side (an image taken by a camera) and various messages (information such as characters and pictures). When the customer conducts a transaction by displaying the key information (key button) such as "Open", "Address change", "Loan consultation", "Recording", etc. (other keys used in conventional automated transaction devices) While observing the key information (key button) displayed in, the necessary button is pushed to select a transaction.

Further, the display 9 can display an image of a customer photographed by the camera 2 of the automatic transaction apparatus 1. The display 9 is provided with a DAC (digital / analog converter), and the received image data, character data, etc. are converted into an analog signal and displayed by this DAC. When the transaction selection button (key button) is pressed, a button signal is sent to the main control unit 20.
Sent to

(4): The microphone 5 is for inputting the talk (voice) of the customer who operates the automatic transaction apparatus 1. The microphone 5 is provided with an ADC (analog / digital converter), which converts the input audio signal into a digital signal and outputs it.

(5): The speaker 16 outputs the voice received from the center (voice of the staff on the center side). The speaker 16 is provided with a DAC (digital / analog converter), a speaker drive circuit, etc.
The AC converts the received audio data into an analog signal, and the speaker drive circuit drives the speaker to output the audio signal.

(6): The scanner 4 optically reads information of a document (for example, an identification card) necessary for a transaction, inputs image data (image data), and outputs digitized image data. Is.

(7): The document printer 6 prints and outputs the document data (for example, graphs, drawings, other documents) received from the center. The document printer 6 has a DAC (digital / analog converter).
Etc. are provided, and the DAC converts the received data into an analog signal for printing.

(8): In the pen input device (pen input type tablet device) 3, the customer uses the pen to enter necessary items (for example, address, name, etc.) in the document, and inputs the handwritten character information. To do. The pen input device 3 reads information such as characters written by a customer and outputs digitized image data.

(9): The passbook unit 7 is a unit for handling the customer's transaction passbook. (10): The card reader / writer 8 reads necessary information from a card (for example, a cash card) used for a customer's transaction or writes necessary information in the card.

(11): The journal printer 17 prints the journal information on the journal paper. (12): The receipt printer 18 prints necessary information on the receipt paper.

(13): The communication control unit 19 performs various controls (line interface control, various processing of transmission / reception data, etc.) when performing communication with the center side. The transmission / reception control means 21 shown in FIG.
And a part of the main control unit 20.

§6: Description of host device configuration ... FIG.
Reference FIG. 6 is a block diagram of the host device. The host device 10 on the center side includes a host controller 26 and a display 1.
4, keyboard 25, camera 11, DASD 24, microphone 13, speaker 12, printer 29, communication control unit 2
7, 28, etc. are provided.

The host device 10 has a line 30
An accounting system host 31 is connected via the accounting system host 31, and the accounting system host 31 is provided with a ledger data file device 32 having a ledger data file. Then, the host device 10 communicates with the accounting system host 31,
It is configured to access ledger data and perform transaction processing on the center side. The functions and the like of the respective units are as follows.

(1): The host control unit 26 uses the host device 1
Various controls of 0 are performed. (2): The display 14 displays various information. It should be noted that the display 14 is provided with a DAC (digital / analog converter), and the image data received from the automatic transaction device 1 of each store by this DAC,
Character data etc. (digital data) are converted into analog signals and displayed.

(3): The keyboard 25 is operated by a staff member on the center side and various information (for example, data such as numbers and characters,
It is for inputting instruction information to the automated teller machine 1). (4): The camera 11 is a staff member on the center side (for example, upper body)
Is to shoot. The camera 11 has an ADC
An (analog / digital converter) is provided, and the ADC converts the input image signal (image signal) into a digital signal and outputs the digital signal.

(5): The DASD 24 stores various information required by the host device 10 for transactions.
The DASD 24 is composed of a hard disk device, for example.

(6): The microphone 13 is for inputting the speech (voice) of the staff on the center side. It should be noted that the microphone 13 is provided with an ADC (analog / digital converter), which converts the input audio signal into a digital signal and outputs it.

(7): The speaker 12 outputs the voice (customer's story) received from the automated teller machine 1 on the store side. It should be noted that the speaker 12 is provided with a DAC (digital / analog converter), a speaker driving circuit, and the like, and the DAC converts the voice data received from the automatic transaction device 1 of each store into an analog signal, and the speaker driving circuit. Drives a speaker to output an audio signal.

(8): The printer 29 prints various information. (9): The communication control unit 27 performs various communication controls (line interface control, various processing of transmission / reception data, etc.) when communicating with the accounting host 31 via the line 30.

(10): The communication control unit 28 performs various communication controls (line interface control, various processing of transmitted / received data, etc.) when communicating with the automated teller machine 1 of each store via the line 15. .

(11): The ledger data file device 32 includes a ledger file storing ledger data (database), and writes and reads ledger data at the request of the accounting host 31.

(12): The accounting host 31 manages the ledger data in the ledger data file device 32, and
It processes or controls various accounting hosts. §7: Description of the processing of the embodiment ... See FIGS. 7 to 10. FIG. 7 is a processing flowchart of the embodiment, FIG. 8 is a processing explanatory view (part 1) of the embodiment, and FIG. 9 is a processing explanatory view of the embodiment. (No. 2) and FIG. 10 are process explanatory diagrams (No. 3) of the embodiment.
Hereinafter, the processing of the embodiment will be described with reference to FIGS. Note that S1 to S36 indicate processing steps. In addition, the automatic transaction device 1 is also referred to as a terminal.

(1): Process until transaction start by dialogue The host device 10 of the consultation center 37 and the automatic transaction device 1 installed in a certain store are connected via a line 15,
It is assumed to be in operation. In this state, the display 9 of the automatic transaction apparatus 1 displays a transaction waiting screen as shown in FIG. 8A for prompting the customer of the bank to input.

On the transaction waiting screen, in addition to the "bookkeeping" 44 button used in the normal automatic transaction apparatus, "account opening" 41, "address change" 42, which requires dialogue with the staff at the center, A selection button (hereinafter, also simply referred to as a button) of a transaction menu called “Loan consultation” 43 is displayed as a menu screen. At this time, only the area is displayed in the interactive screen area 45.

A customer who visits a store of a bank while the above-mentioned transaction waiting screen is displayed on the display 9 presses a desired button among the buttons displayed on the display 9 to perform a transaction menu. Is selected (S
1).

When the customer selects the transaction menu as described above, the main control section 20 of the automatic transaction device 1 recognizes the information of the button selected by the customer based on the information (button signal) from the display 9. Then, (S11), it is determined whether the selected transaction is a transaction that needs to connect to the consultation center 37 and have a dialogue (whether it is an interactive transaction) (S1).
2).

For example, when the "bookkeeping" 44 button is pressed by the customer to select the transaction menu, the main control unit 2
0 is determined to be a transaction that does not require dialogue, and a transaction (conventional transaction) is made using a normal automatic transaction device (S20). However, when the customer selects the transaction menu, "Open account"
When any of the buttons 41, “address change” 42, and “loan consultation” 43 is pressed, the main control unit 20 determines that the transaction requires a dialogue with the center staff.

As described above, when the customer selects the transaction menu which requires the dialogue with the staff at the center, the main control section 20 makes the selected information based on the information of the selection button input from the display 9. Is recognized and the communication control unit 19 is instructed to connect to the consultation center 37.

In response to this instruction, the communication control unit 19 causes the line 15
Is controlled to connect the line between the automated teller machine 1 and the consultation center 37 (S13). Then, the automated teller machine 1 and the host device 10 of the consultation center 37 are connected to call the staff on the center side (S14). During this time, a message such as "Please wait for a while because the staff is calling" is displayed on the interactive screen 45 of the display 9 of the automatic transaction device 1 (S2).

At this time, when the host device 10 receives the call from the automatic transaction device 1 to the consultation center 37, the host device 10 receives the call from the automatic transaction device 1 (terminal) (S).
31), the center staff member responds to the automated teller machine 1 (terminal) (S32).

In the automatic transaction apparatus 1 (terminal) which has received the response from the center staff, when the main control unit 20 confirms the connection with the host device 10 via the communication control unit 19 (S1).
5), the image of the staff on the center side taken by the camera 11 on the consultation center 37 side is received by the automatic transaction device 1 (terminal), and shown on the dialogue screen 45 of the display 9 of the automatic transaction device 1 in FIG. 8B. Such an interactive screen with the center staff (for example, an image of the upper half of the center staff) is displayed.

At this time, the customer image taken by the camera 2 of the automatic transaction device 1 is transferred to the consultation center 37 via the line 15.
Image of the customer on the display 14 of the host apparatus 10 (for example, the image of the upper half of the customer).
Is displayed. In the above state, the automatic transaction device 1 (terminal)
Performs a dialogue process with the consultation center 37 (S16).

On the consultation center 37 side, the staff at the center side interacts with the customer of the bank (S33), and at the side of the automated teller machine 1 the customer advances the dialogue with the staff at the center (S3). The contents of the transaction by this dialogue are as follows.

(2): Explanation of New Account Opening Process by Dialogue When the customer selects the button of “Open Account” 41 in the selection (S1) of the transaction menu, the same person confirmation as the normal process at the bank counter is performed. Therefore, it is necessary to show identification such as driver's license and input customer information such as address and name. Therefore, in this transaction, the customer reads the driver's license with the scanner 4 and inputs the image data, and uses the pen of the pen input device 3 to input the information such as the address and name.

When the scanner 4 is operated, the interactive screen 45 of the display 9 of the automatic transaction apparatus 1 displays, for example,
The input screen as shown in FIG. 9A is displayed to prompt the customer to operate the scanner 4.

On this input screen, the image of the center staff (clerk) received from the consultation center 37 and the image of the customer (self) taken by the camera 2 are displayed, and the scanner 4
And the method of setting the identification card and the like on the scanner 4 (description of the scanner) are displayed. Further, touch key buttons such as “quit” and “start” are displayed as operation buttons when operating the scanner 4.

When the customer sees the display information and operates the scanner 4 to read the driver's license and input the image data, the communication control section 19 of the automatic transaction apparatus 1 is instructed by the main control section 20. 15 is controlled and the image data is transmitted to the consultation center 37.

In the consultation center 37, when the host device 10 receives the image data, it displays the received customer information (the image of the driver's license) on the screen of the display 14. Then, the staff member of the consultation center 37 looks at the display information and confirms its contents.

When characters such as an address and a name are input by the pen input device 3, the screen of the pen input device 3 displays a character input screen as shown in FIG. Prompt for characters. On this character input screen, buttons such as “quit”, “return to previous”, and “end” are displayed as operation buttons when operating the pen input device 3.

When the pen input device 3 is used, a message such as "Please input your address, name, etc. using the pen input device" is displayed on the display 9,
And information such as a usage description of the pen input device is displayed.

The customer inputs the handwritten character information such as the address, the name, etc. by using the pen of the pen input device 3 while looking at the display, and in this case, the customer is as shown in FIG. 9B. The characters are input one by one in the cells drawn on the character input screen, and the characters written by the pen input device 3 are input.

When handwritten characters are input using the pen input device 3 as described above, these data are transferred to the communication control unit 1.
It is sent to the host device 10 of the consultation center 37 via the line 15 under the control of 9 and displayed on the screen of the display 14 in the same manner as described above. Then, the center staff looks at the display screen and confirms the customer's address, name, and the like.

When the center staff member confirms the contents of the identification card (for example, driver's license) input by the customer and the character information such as address and name, the host device 10 creates the customer information. The customer information created in this way is sent to the accounting host 31 via the line 30, and the accounting host 31 registers it in the ledger data of the ledger data file device 32 to open a new account.

(3): Description of Address Change Notification Processing by Dialogue When the customer selects the "address change" 42 button in the transaction menu selection (S1), the customer uses the pen of the pen input device 3 Address (eg new address, old address),
Enter information such as name.

As described above, when characters such as an address and a name are input by the pen input device 3, the screen of the pen input device 3 displays a character input screen as shown in FIG. 9B, for example. Prompt the customer to enter characters. On this character input screen, buttons such as “quit”, “return to previous”, and “end” are displayed as operation buttons when operating the pen input device 3.

When the pen input device 3 is used, a message such as "Please input your address, name, etc. using the pen input device" is displayed on the display 9.
And information such as a usage description of the pen input device is displayed.

The customer inputs the handwritten character information such as the address and the name by using the pen of the pen input device 3 while looking at the above display. In this case, the customer can obtain the information as shown in FIG. 9B. Characters are written one by one in the cells drawn on the character input screen, and the characters written by the pen input device 3 are input.

When handwritten characters are input using the pen input device 3 in this way, these data are sent to the host device 10 of the consultation center 37 via the line 15 under the control of the communication control unit 19, and Display 1 as well
Display on screen 4. Then, the center staff looks at the display screen and confirms the customer's address, name, and the like.

Then, the staff at the center (the staff of the consultation center 37) confirms the character information such as the address and the name input by the customer, and creates the customer information by the host device 10. The customer information created in this way is sent to the accounting system host 31 via the line 30, and the accounting system host 31 registers it in the ledger data of the ledger data file device 32 and performs address change processing.

In this process, for example, when an identification certificate is required, if the customer operates the scanner 4 and inputs the identification image data as in the case of the transaction of "account opening". good. This image data is sent to the center and confirmed by the staff at the center.

(4): Explanation of loan consultation process by dialogue When the customer selects the "Loan consultation" 43 button in the selection of the transaction menu (S1), the loan consultation process is centered around the dialogue with the center staff. Consultation will proceed. During this transaction, when it becomes necessary to print a document after the transaction due to the customer's request, the center staff instructs the host device 10 to create the required document (S34).

In this case, the host device 10 creates a customer's household account book based on the customer information of the bank customer created from the ledger data according to the consultation content. When the document is created, the host device 10 sends the document data to the automatic transaction device 1. Upon receipt of the document data, the automatic transaction apparatus 1 transfers the data to the document printer 6, prints the document data on the document printer 6 and hands it to the customer (S17).

FIG. 10 shows an example of a document in this case. This document is a document of a household account book, which is a graph of the ratio of the loan to the household expenses of the customer, and shows information when the loan is taken.

(5): Explanation at the end of interactive processing When the above transaction is completed (S18), the host device 10 instructs the automatic transaction device 1 to end the transaction (S35), and the line 1
5 is cut (S36), and the transaction ends. Further, the automatic transaction device 1 also disconnects the line 15 in response to the transaction end instruction (S19) and ends the transaction. The transaction by the dialogue is ended as described above.

§8: Description of another configuration example of the automatic transaction device
.. see FIG. 11 FIG. 11 is a diagram showing another configuration example of the automatic transaction device.
The automatic transaction device 1 described in the above embodiment is an example of an integrated type device, but, for example, as shown in FIG. 11, is configured as a separate type device in which an adapter 48 is added to the conventional automatic transaction device 100. Is also possible.

In this case, an adapter 48 is added adjacent to the conventional automatic transaction apparatus 100, and a camera 2, a pen input device 3, a scanner 4, a microphone 5, a speaker 16, a document printer 6, and a display 9 are attached to the adapter 48. Etc. Then, the adapter 48 and the conventional automatic transaction device 100
Power supply cables, communication cables, etc. will be connected between the two to enable linked transaction processing. The passbook unit 7, card reader / writer 8 and the like shown in FIG. 5 are those of the automatic transaction device 100 side.

By doing so, it becomes possible to carry out a transaction by dialogue with the separator type device as in the case of the integrated type automatic transaction device 1. In such a separator type device, only the adapter 48 needs to be manufactured, and the conventional automatic transaction device can be used as it is, so that the cost can be reduced.

(Other Embodiments) The embodiments have been described above, but the present invention can be implemented as follows. (1): In the above embodiment, an example in which the automatic transaction device is installed in a store such as a bank has been described, but the present invention is not limited to such an example, and any other store (for example, in a company, a department store,
It may be installed in a convenience store).

(2): The camera, microphone, display, pen input device, scanner and the like provided in the automatic transaction device may be arranged at any place of the automatic transaction device (arrangement is free). (3): The transaction is not limited to that in the above embodiment, but can be used for any other transaction that requires dialogue.

[0106]

As described above, the present invention has the following effects. (1): Automatic transactions that enable transactions through dialogue using an automatic transaction device and can perform operations (for example, opening an account) at irregular sales offices, including semi-typical operations. The device is feasible. Therefore, it is possible to solve the demand for unmanned stores and expansion of business hours.

(2): Since the conventional window processing can be performed on behalf of the automatic transaction device by the transaction through dialogue, it is possible to reduce the number of staff at a financial institution such as a bank clerk, and the work is efficiently performed. You can do it.

(3): Since the conventional window processing can be performed on behalf of the automatic transaction apparatus, it is possible to realize an unmanned store in the nighttime when the number of visitors is small, or in an area where the number of visitors is small to improve the efficiency of business.

In addition to the above effects, the following effects are obtained corresponding to each claim. (4): In claim 1, the display for displaying the data received from the center, the speaker for outputting the voice received from the center, the camera for photographing the operator of the automatic transaction device, and the operator for the automatic transaction device. A microphone for inputting voice,
A transmission / reception control means is provided to enable transactions by dialogue between the operator of the automatic transaction device and the staff at the center side.

Therefore, it becomes possible to use the automatic transaction device to perform business in atypical sales offices including semi-standardized operations, and there is a demand for unmanned stores and expansion of business hours. Can be resolved.

(5): In claim 2, a display for displaying data including an image received from the center, a speaker for outputting a voice received from the center, and a camera for photographing a customer who operates the automatic transaction device. A microphone for inputting a customer's voice and a transmission / reception control means, and data including an image received from the center is displayed on the display,
By transmitting the image input from the camera to the center and transmitting / receiving the voice to / from the center through the microphone and the speaker, it is possible to carry out a transaction by a dialogue between a customer who operates the automatic transaction apparatus and a staff member on the center side.

Therefore, it becomes possible to use the automatic transaction device to carry out business in atypical sales offices including semi-standardized operations, and there is a demand for unmanned stores and expansion of business hours. Can be resolved.

(6): In claim 3, the pen input device is provided, and the handwritten character data input by the pen input device can be transmitted to the center. Therefore, for example, even in a transaction such as changing the address, which requires input of characters such as an address and a name, the transaction can be easily performed by the interactive transaction using the automatic transaction device.

(7): In Claim 4, the scanner is provided, and the image data input by the scanner can be transmitted to the center. Therefore, even for a transaction such as opening an account, which requires the presentation of an identification card, it can be easily carried out by an interactive transaction using an automatic transaction device.

(8): In claim 5, the document printer for printing out the document data received from the center side is provided. Therefore, for example, even when it is necessary to print a document created on the side of the center and hand it over to a customer such as a loan consultation, the transaction can be easily performed by the interactive transaction using the automatic transaction device.

[Brief description of drawings]

FIG. 1 is a diagram illustrating the principle of the present invention.

FIG. 2 is a basic configuration diagram of an embodiment.

FIG. 3 is a network configuration diagram in the embodiment.

FIG. 4 is an external view of an automatic transaction device according to an embodiment.

FIG. 5 is a configuration diagram of an automatic transaction device according to an embodiment.

FIG. 6 is a configuration diagram of a host device in the embodiment.

FIG. 7 is a processing flowchart of an embodiment.

FIG. 8 is a process explanatory diagram (1) of the embodiment.

FIG. 9 is a process explanatory diagram (2) of the embodiment.

FIG. 10 is a process explanatory diagram (3) of the embodiment.

FIG. 11 is another configuration example of the automatic transaction device in the embodiment.

FIG. 12 is an external view of a conventional automatic transaction device.

[Explanation of symbols]

 1 Automatic Transaction Device 2, 11 Camera 3 Pen Input Device 4 Scanner 5, 13 Microphone 6 Document Printer 7 Passbook Unit 9, 14 Display 10 Host Device 15, 30 Line (Communication Line) 16 Speaker 19 Communication Control Unit 20 Main Control Unit 21 transmission / reception control means 31 accounting system host 37 consultation center

Claims (5)

[Claims] 1. An automatic transaction device connectable to a center via a line, a display for displaying data received from the center,
A speaker that outputs the voice received from the center, a camera that captures the operator of the automated teller machine, a microphone that inputs the voice of the operator of the automated teller machine, data sent from the center, reception control of voice, and The above-mentioned camera and microphone are provided with transmission / reception control means for performing transmission control when transmitting images and voices to the center, enabling transactions by dialogue between the operator of the automatic transaction device and the staff at the center. Automatic transaction equipment to do. 2. An automatic transaction apparatus connectable to a center via a line, a display for displaying data including an image received from the center, a speaker for outputting a voice received from the center, and an automatic transaction apparatus. A camera that captures the customer,
A microphone for inputting a customer's voice, and transmission / reception control means for performing reception control of data including an image sent from the center and voice, and transmission control when transmitting the image and voice input from the camera and the microphone to the center. An automatic transaction device by displaying data including an image received from the center on the display, transmitting the image input from the camera to the center, and transmitting / receiving voice to / from the center via the microphone and speaker. An automatic transaction device, which enables a transaction through a dialogue between a customer who operates the and a staff member on the center side. 3. The automatic recording apparatus according to claim 1, further comprising a pen input device capable of inputting handwritten characters with a pen, wherein handwritten character data input by the pen input device can be transmitted to a center. Trading equipment. 4. The automatic transaction apparatus according to claim 1, further comprising a scanner for inputting image data by optically reading information, wherein the image data input by the scanner can be transmitted to a center. 5. The automatic transaction apparatus according to claim 1, further comprising a document printer for printing the document data received from the center.