JPH10254949A - Automatic unmanned contract reception system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To shorten the waiting time of customer to operate an unmanned contract machine. SOLUTION: On the side of unmanned contract machine 1, an image input device 3 acquires the image data of application form and various identification cards and stores them in a temporary storage part. First of all, only the image data of application form are transmitted through a WAN to the side of a center terminal 2. On the side of the center terminal 2, the received image data of application form are outputted from an output device 13. While receiving this output, an operator starts check processing. At the unmanned contract machine 1, on the other hand, when the image data of application form are completely transmitted, the image data of various identification cards except the application form are read out of the temporary storage device and successively transmitted to the center terminal 2 by the image input device 3. At the center terminal 2, the image data of media such as various identification cards except for the application form are successively received and outputted. Then, the operator proceeds the check processing while successively adding personal information except the application form.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an unmanned automatic contract receiving system for operating an unmanned contract machine installed in an unmanned store of a financial institution such as the consumer finance industry.

[0002]

2. Description of the Related Art In recent years, in the consumer finance industry, an unattended automatic contract reception system has been highly evaluated by users as a new service in the multimedia age. The reasons for this include high functionality and user-friendly operability, and consideration for privacy. In addition, even if the financial company does not have a large store, it is possible to contract by communicating with the host, so it is possible to acquire customers simply by opening a small store specializing in unmanned automatic contract reception, There are advantages such as cost savings, and the demand for an unattended automatic contract reception system is expected to increase further.

[0003]

In a conventional unattended automatic contract receiving system, a network is constructed by connecting an unattended contract machine and a center terminal. In the unmanned contract machine,
An image input device is provided. This image input device
It is for acquiring image data of a medium such as an application form and an identification card necessary for various contracts, and for example, those using a scanner or a CCD camera are known. In the case of the scanner, the medium is set on a transparent medium such as glass with the back side facing up, and scanning is performed by a reading unit provided below the transparent medium such as glass to obtain image data of the medium. It is supposed to. In addition, the CCD
In the case of a camera, the surface of the camera is placed face up on a table of a medium, and image data of the medium is acquired by a CCD camera installed above the table.

In the image input device, image data is obtained for each type of medium in both cases of a scanner and a CCD camera.
Since image data has a large data amount, transmission and reception of the image data generally takes a long time. For this reason, conventionally, the image data of an identification card such as a license or insurance card is first acquired and transmitted and received, and while the operator confirms that there is no problem, the customer is prompted to fill out an application form. After that, the image data of the application form is acquired and transmitted and received.

[0005] However, since the center terminal cannot perform the examination unless the image data of the application form in which the items necessary for the examination are described is transmitted, the operator must wait for the operator to transmit the image data of all the personal information. Must perform post-processing such as identity verification and screening,
In particular, since the examination takes a lot of time, there is a problem that the customer who is on the unattended contract machine side has to wait a lot of time for the examination. For this reason, there is a problem that customers feel that contracting is troublesome,
For financial institutions, there was a problem that the operating rate of unmanned contract machines was poor and did not lead to an improvement in sales performance. Further, if the result of the examination indicates that the contract is invalid, there is a problem that both the customer and the financial institution waste time.

[0006]

SUMMARY OF THE INVENTION Accordingly, the present invention provides an application form which is installed in a store such as a financial institution and describes important personal information at the time of contract and various identification documents required at the time of contract. An unattended contract machine that has an image input device that acquires the obtained personal information as image data and a communication control unit that transmits the image data, and is installed separately from the unmanned contract machine that operates sequentially by the customer's own operation And
A network is constructed by connecting a communication control means for receiving the image data and a center terminal having an output device for outputting the image data, and on the unmanned contract machine side, the image input device transmits image data of an application form. Acquisition and transmission to the center terminal under the control of the communication control means, the center terminal side outputs the image data of the application form received under the control of the communication control means from the output device and discloses the personal information to the operator. In the unmanned contract machine, the image input device sequentially obtains image data of media such as various certificates other than the application form, and sequentially transmits the image data to the center terminal under the control of the communication control means. The center terminal sequentially receives and outputs image data of media such as various certificates other than the application form,
Provided is an unmanned automatic contract reception system in which an operator proceeds with the examination process while adding personal information other than an application form in order.

The image input device simultaneously acquires and temporarily stores the application form and the image data of various identification cards, and controls only the image data of the application form before other image data under the control of the communication control means. It is preferable to transmit other image data after transmitting from the unmanned contract machine to the center terminal. Further, it is preferable that the application is taken into the unmanned contract machine while the operator is conducting the examination, and is returned to the customer only when the examination result is not possible.

[0008]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a conceptual diagram of a system configuration, and FIG. 2 is a perspective view illustrating the concept of an image input device. As shown in FIG. 1, it is installed in a store such as a financial institution,
The unmanned contract machine 1 that operates sequentially by the customer's own operation and the unattended contract machine 1 are installed separately from each other, and the center terminal 2 that operates sequentially by the operation of the operator is connected to a WAN or the like to construct a network. I have.

The unmanned contract machine 1 mainly acquires, as image data, personal information described in a medium such as an application form that describes important personal information at the time of contract and various identification cards required at the time of contract. Communication control of moving images and voices obtained by photographing the image input device 3 and the face of the customer with a camera, and communication control of moving images and sounds obtained by photographing the face and the like of the operator transmitted from the center terminal 2 with the camera. It has a multimedia communication control device 4. The unattended contract machine 1 has a communication control function of transmitting image data of media such as application forms and various certificates obtained by the image input device 3 to the center terminal 2. After transmitting the image data, the image input device 3 can sequentially acquire the image data of a medium such as various certificates other than the application form and transmit the image data to the center terminal 2 in order. The means for realizing such a function is realized by a storage unit 5 storing a program and a control unit 6 which reads out the program from the storage unit 5 and executes the program. Further, the unmanned contract machine 1 includes an operation display unit 7 having a touch sensor function.

As shown in FIG. 2, in the image input device 3, a transparent medium (not shown) such as glass is arranged on a scanner 8, and the back side of the medium is directed upward on the transparent medium. It is designed to acquire image data by placing it. The transparent medium is structured so as to be covered by the cover 9, and sets an area determined as an application form reading area 9a and various identification card reading areas 9b. The application form reading area 9a includes a cover 9
It is in a hidden state. When the application form is set on the application form reading area 9a, the application form is taken in from an insertion slot of an auto sheet feeder (hereinafter, referred to as "ASF") 10 and transported to an appropriate position. This ASF 10 is left in the application reading area 9a during the examination by the operator, and is returned to the customer only when the examination result is not possible, and is taken into a not-shown acquisition unit when the examination result is good. Has a function. Such a function can be obtained by operation control of the storage unit 5 and the control unit 6. In addition, the identification card reading area 9b is covered by a door 11 provided in a part of the cover 9. Although a reading unit (not shown) of the scanner 8 is assumed here, the invention is not limited thereto, and a CCD camera may be installed instead of the reading unit of the scanner 8.

In the case of the present embodiment, the image input device 3 simultaneously acquires and temporarily stores the image data of the application form and various identification cards, and stores only the image data of the application form with other image data. It is assumed that prior to the above, after transmitting from the unmanned contract machine 1 to the center terminal 2, other image data is transmitted. However, the image data of the application form may be acquired first, and thereafter, other image data may be acquired and transmitted in order.

Returning to FIG. 1, the center terminal 2 mainly controls a moving image and a voice transmitted from the unmanned contract machine 1 and a moving image and a voice obtained by photographing an operator's face and the like with a camera. And a communication control function for receiving image data of a medium such as the application form and an output device 13 for outputting the image data. The center terminal 2 has a function of outputting the received image data of the application form from the output device 13. By outputting the image data of the application form, the center terminal 2 discloses the personal information to the operator and starts the examination. It is. In addition, during this examination, it has a function of receiving and outputting personal information necessary for examination other than the personal information sequentially described in the application form from the unmanned contract machine 1, and adding the personal information outputted as needed. Meanwhile, it is possible to proceed with the examination process. The means for realizing each function is realized by a storage unit 14 storing a program, and a control unit 15 reading and executing the program from the storage unit 14. The center terminal 2 includes a display unit 16 and an input unit (not shown). The storage unit 6
As the storage unit 14, for example, a storage medium such as a CD-ROM may be used.

Next, an outline of an unattended automatic contract receiving system according to the present embodiment will be described. That is, in the unmanned contract machine 1, the image input device 3 acquires the application form and image data of various identification cards and stores them in a temporary storage unit (not shown). Then, first, only the image data of the application form is transmitted to the center terminal 2 via the WAN. The center terminal 2 outputs the received application form image data from the output device 13. Upon receiving this output, the operator starts the examination process.

On the other hand, in the unmanned contract machine 1, when the transmission of the image data of the application form is completed, the image input device 3
Reads the image data of various certificates other than the application form from the temporary storage unit and sequentially transmits the image data to the center terminal 2. The center terminal 2 sequentially receives and outputs image data of a medium such as various certificates other than the application form. Then, the operator proceeds with the examination process while the operator sequentially adds personal information other than the application form.

Next, a processing procedure of the unattended automatic contract receiving system according to the present embodiment will be described. FIG. 3 is an explanatory diagram of the processing procedure. 1 and 2 will be referred to as appropriate. The customer sets an application form and an identification card such as a license or insurance card in each of the areas 9a and 9b of the image input device 3. Then, the image input device 3 acquires each image data by the reading unit (not shown) and stores it in the temporary storage unit (not shown) (S1 to S3). Then, the control unit 6
Transmits only the image data of the application form to the center terminal 2 side, and the center terminal 2 prints out the received image data from the output device 13 to make the operator confirm (S4). As a result, the operator obtains important personal information for the examination, so that the operator starts various examinations and performs processing such as inputting the personal information by operating an input unit (not shown) in the center terminal 2 (S5). ).

On the other hand, the driverless machine 1 transmits image data of the application form and then transmits a license or insurance card, and the center terminal 2 sequentially prints and outputs the image data to the operator (S6). , S7). As a result, the operator can appropriately obtain personal information relating to the identity required for the examination (S5). In addition, the unmanned contract machine 1 causes the customer to input an attribute as personal information not described in the application form from the operation display unit 7 together with the transmission of each image data (S8). here,
The attribute data indicates data that is not directly related to the establishment / non-establishment of a contract. When the customer finishes inputting the attribute, the attribute data is transmitted from the unmanned contract machine 1 to the center terminal 2 side, and the center terminal 2 displays the attribute data on, for example, the display unit 16 as appropriate to allow the operator to confirm or print out ( S9). As a result, the operator can appropriately obtain personal information relating to the identity required for the examination (S5). As a result, while the customer is performing attribute input and the like, the operator performs various processes such as examination in parallel.

The unattended contract machine 1 waits for the result of the center terminal 2 until the examination result is obtained (S10).
However, this waiting time is short. Then, the operator operates the center terminal 2 and reports the examination result to the unattended contract machine 1.
, The unmanned contract machine 1 performs a contract process according to the examination result if a contract is possible (S11, S11).
12) If the contract is not possible, the application taken in ASF10 is returned to the customer and the processing is terminated (S11,
S13).

In the case of a loan contract process, for example, in the case of a loan contract process, processes such as confirmation of the limit and issuance of a card are performed. In the case of ticketing processing by the KIOSK terminal,
Processing such as issuance of various tickets is performed. In addition, in the case of a transaction acceptance business process by a bank, particularly as a financial institution, it performs various application transactions such as opening an account and issues a card.

According to the above-described embodiment, an effect is obtained that the waiting time required for the examination at the customer in the unmanned contract machine can be shortened. For this reason, it is possible to obtain an effect that it is possible to eliminate the time and trouble of contracting a customer. In addition, for the financial institution, the operating rate of the unmanned contract machine can be increased, and the effect of improving the sales performance can be obtained. In addition, even if the result of the examination indicates that the contract is invalid, the effect of shortening the time wasted for both the customer and the financial institution can be obtained.

[0020]

As described above, according to the present invention, it is possible to reduce the waiting time required for the customer in the unattended contract machine side for the examination. For this reason,
This has the effect of reducing the time and hassle of making a contract with the customer. In addition, for the financial institution, the operating rate of the unmanned contract machine can be increased, and the effect of improving the sales performance can be obtained. In addition, even if the result of the examination indicates that the contract is invalid, the effect of shortening the time wasted for both the customer and the financial institution can be obtained.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram of a system configuration.

FIG. 2 is a perspective view illustrating the concept of an image input device.

FIG. 3 is an explanatory diagram of a processing procedure of an unattended automatic contract reception system.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Unattended contract machine 2 Center terminal 3 Image input device 13 Output device

Claims (3)

[Claims] Claims 1. Personal information set up in a store such as a financial institution and acquiring personal information described in a medium such as an application form describing important personal information at the time of contract and various identification cards required at the time of contract as image data. An unattended contract machine which has an image input device to be operated and communication control means for transmitting the image data thereof, and which is sequentially operated by a customer's own operation, and a communication which is installed separately from the unattended contract machine and receives the image data A network is constructed by connecting a control means and a center terminal having an output device for outputting the image data, on the unmanned contract machine side, the image input device acquires image data of an application form, and a communication control means And transmits the image data of the application form received by the control of the communication control means to the output terminal. Output to, the after starting the examination to disclose personal information to the operator, in the unmanned contract machines, the image input apparatus acquires the image data of the medium of various certificates other than the application form in order,
Transmitted to the center terminal in order by the control of the communication control means, the center terminal sequentially receives and outputs image data of media such as various certificates other than the application form, and the operator sequentially adds personal information other than the application form. An unattended automatic contract reception system characterized by proceeding with the examination process. 2. An image input device according to claim 1, wherein the image input device simultaneously obtains and temporarily stores the image data of the application form and various identification cards, and controls only the image data of the application form to another image under the control of the communication control means. An unmanned automatic contract receiving system, wherein prior to data, an unattended contract machine transmits to a center terminal and then other image data is transmitted. 3. The method according to claim 1, wherein the application is taken in the unmanned contract machine while the operator is performing the examination, and the application can be returned to the customer only when the examination result is not possible. Unattended automatic contract reception system characterized by the following.