JPH11167597A - Integrated exchange processing method and system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To effectively confirm original data if an image sent from a business store is not clear. SOLUTION: If the image of a payment request form F includes an unclear part, an operator of an entry client 33 in an integrated center 30 sends a message back to an operation terminal 11 of a business store 10, requesting the terminal 11 to read the form F agent. Thus, a clerk in charge of the store 10 reads again the form F is his spare time and sends again the image of the form F to the center 30.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a centralized exchange processing method and a centralized exchange processing system.
The present invention relates to a concentrated exchange processing method and a concentrated exchange processing system capable of efficiently confirming original data when an image transmitted from a branch is unclear.

[0002]

2. Description of the Related Art In a centralized exchange processing system for a financial institution, a customer writes a client name, a recipient name, a bank name, etc. in a form at a branch office, and reads the form with a reader installed at the branch office. The image is read, sent to the centralized center via the communication line, the image is displayed on the screen at the centralized center, the operator manually inputs and verifies the exchange data based on the image, and then transmits the exchange data to the host device. As a result, centralized processing of exchange data is performed.

FIG. 5 is a flowchart showing the operation of the conventional exchange centralized processing system. Although not shown, a clerk of a financial institution such as a bank receives a transfer request form in which necessary items such as a transfer destination bank name, an account number, a receiver, a transfer amount, and a client are previously written from a customer. Then, the necessary information as a bank is entered in the transfer request form and set in an image scanner, an optical character recognition device (OCR), or the like (hereinafter, referred to as a reading device) installed in a branch office. The transfer request form to be handled is a specific format sheet or a form created by an end user such as a company, and may be of various types such as color, shape, size, and character quality.

Next, in step S1, the reading device reads an image of the transfer request form. When reading the image of the transfer request form, data such as automatically numbered data is added to the image. In step S2, an image of the transfer request form and data added to the image (hereinafter, simply referred to as an image of the transfer request form) are transmitted to the centralized center via a communication line such as ISDN.

In step S3, the image of the transfer request form transmitted from the branch is received and stored in a memory or the like. In step S4, the image of the transfer request form is distributed to the entry client, and the image is displayed. As described above, since the transfer request form may be of various types, an unclear portion may be generated in the image depending on the density set at the time of reading by the reading device. Also, usually, a bundle of transfer request documents is often set on the reading device,
In some cases, one or two of them are incorrectly turned over.

In step S5, the operator determines whether there is any unclear portion in the image of the transfer request form displayed as an image. If there is an unclear portion in the image of the transfer request form, the process proceeds to step S60. If there is no unclear portion in the image of the transfer request form, the process proceeds to step S8. The operator determines that there is an unclear spot in the image of the transfer request form when there is a place where the data written by the customer or the staff cannot be read accurately or when the back side of the transfer request form is erroneously read at the branch office. .

[0007] In step S60, the operator of the centralized center calls the staff of the sales office and tells him / her the data of the unclear spot in the image of the transfer request form, or asks the staff of the sales office to provide the unclear data. After supplementing the location, ask them to fax the transfer request form. In step S8,
Enter the currency exchange data manually while checking the image of the transfer request form displayed on the entry client. At this time, the data of the unclear portion in the image is data confirmed by telephone or fax.

In step S9, the image of the transfer request form and the input exchange data are returned to the verification client, and the exchange data is verified. In step S10, the exchange data is transmitted to a host computer, which is a higher-level device, via a communication gateway.

[0009]

In the above-mentioned conventional exchange centralized processing system, the operator of the centralized center checks the data of the unclear spot in the image of the transfer request form by telephone or fax. However,
There is a problem that the processing efficiency is reduced by calling many times when the staff of the sales office cannot answer the phone because they are calling, getting a fax, going out or being busy with customers. is there. In addition, it is necessary to keep the transfer request form sent by fax before verification,
Processing was troublesome.

[0010]

In order to solve the above problem, the present invention reads an image of a transfer request form at a sales office, transmits the image to a centralized center, and displays the image on a screen at the centralized center. In the centralized exchange processing method of inputting exchange data while confirming the image displayed on the screen, verifying the exchange data, and transmitting the exchange data to a higher-level device to centralize the exchange data, the image displayed on the screen is For transfer requests for which it is not possible to check exchange data because of blurring, a message requesting re-reading of the transfer request is sent to the sales office, and the sales office displays the image of the transfer request that received the message. A foreign exchange centralized processing method is provided in which the data is read again and transmitted to a centralized center.

In the above-described centralized exchange processing method, for example, the operator of the centralized center returns a message requesting re-reading of the transfer request form having an unclear portion in the image to the sales office, and the sales office staff member makes an inquiry. After seeing the message, the image of the relevant transfer request form is read again and transmitted to the centralized center. This eliminates the need for the operator of the centralized center to make a phone call or go to get a fax, and also allows the staff at the sales office to use free time to view messages and to transfer the transfer request form. Since reading can be performed, processing efficiency can be improved.

According to another aspect of the present invention, there is provided an office having a reading means for reading an image of a transfer request form and a transmitting / receiving means for transmitting the image to a centralized center. In the center, a center side transmitting / receiving means for receiving the image, a display means for displaying the image on a screen, an input means for inputting exchange data while checking the image displayed on the screen, and verifying the exchange data In a centralized exchange processing system having a verification means for performing a transfer request for a transfer request for which it is not possible to check the exchange data because the image displayed on the screen is unclear, Message transmitting means for transmitting the message to the sales office via the transmitting / receiving means on the center side. Then, the message is received via the branch office transmitting / receiving unit, the image of the transfer request form is read again by the reading unit, and the image is transmitted to the centralized center via the branch office transmitting / receiving unit. Provide a unique exchange centralized processing system.

In the above-described centralized exchange processing system, the above-described centralized exchange processing method can be suitably implemented. This eliminates the need for the operator of the centralized center to make a phone call or go to get a fax, and also allows the staff at the sales office to use free time to view messages and to transfer the transfer request form. Since reading can be performed, processing efficiency can be improved. Further, since it is not necessary to use a telephone or a facsimile to check data at a blurred portion in the image of the transfer request form, the telephone or the facsimile can be used for another job.

[0014]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in more detail with reference to the embodiments shown in the drawings. Note that the present invention is not limited by this. FIG. 1 is a configuration diagram of the centralized exchange processing system of the present invention. In the exchange centralized processing system 100, 10 is a sales office, 20 is a communication line, 30 is a centralized center, and 40 is a host computer as a host device.

The sales office 10 reads the image of the transfer request form F and sends it to the centralized center 3 via the communication line 20.
A reading device 12 for sending to the 0 side and an operation terminal 11 for controlling the operation of the reading device 12 are provided. The reading device 12 is, for example, an image scanner or an optical character recognition device. The operation terminal 11 is, for example,
Has the functions of a normal personal computer.

The communication line 20 is, for example, an ISDN line. The centralized center 30 includes a file server 32
, The entry client 33 and the verification client 3
4 and a communication gateway 35 connected by a LAN 31. The file server 32 is located at the branch 1
The image of the transfer request form F sent from the reader 12 is stored in the database 32a.

The entry client 33 and the verification client 34 are provided with, for example, a keyboard for inputting characters, numerals and commands, and a display device for displaying an image of the transfer request form F as an image. The host computer 40 performs a transaction such as transfer based on the exchange data sent from the centralized center 30.

The staff of a financial institution such as a bank receives
Receive a transfer request form F in which necessary information such as the name of the bank to which the transfer is made, the account number, the payee, the transfer amount, and the client are entered in advance. Then, necessary information as a bank is entered in the transfer request form F and installed in the reading device 12 of the business office 10. It should be noted that the transfer request form F to be handled is in the case of a specific format paper or created by an end user such as a company, and may be of various types such as color, shape, size, and character quality.

FIG. 2 shows the centralized exchange processing system 100 described above.
6 is a flowchart of the operation of FIG. In step S1, the reading device 12 reads the image of the transfer request form F. When the image of the transfer request form F is read, data such as automatically numbered data is added to the image. In step S2, the reading device 12 transmits the image of the transfer request form F and data added to the image (hereinafter, simply referred to as an image of the transfer request form) to the centralized center 3 via the communication line 20.
Send to 0.

In step S3, the file server 32 of the centralized center 30 receives the image of the transfer request form F transmitted from the reader 12 of the sales office 10, and stores it in the database 32a. In step S4, the file server 32 distributes the image of the transfer request form F to the entry client 33 and displays the image. Note that, as described above, since transfer request forms are various, an unclear portion may occur in an image depending on the density set at the time of reading by the reading device. In many cases, a bundle of transfer request documents is installed in a reading device, and in some cases, one or two of them are erroneously turned over.

In step S5, the operator requests the transfer request form F displayed on the entry client 33 as an image.
It is determined whether or not there is any unclear portion in the image.
If there is an unclear portion in the image of the transfer request form, the process proceeds to step S6. If there is no unclear portion in the image of the transfer request form, the process proceeds to step S8. If the operator cannot read the data entered by the customer or staff in the transfer request form, or if the operator mistakenly reads the back of the transfer request form at the sales office, the operator will It is judged that there is an unclear part in.

In step S6, the operator of the entry client 33 uses the keyboard to create a message requesting re-reading and re-transmission of the image in response to the transfer request form having an unclear portion in the image. The data is returned to the operation terminal 11 of the business office 10 via the communication line 20. For example, if there is a blurred part in the image of the transfer request form with numbering 0001,
Create and return a message such as "The transfer request form with numbering 0001 is unclear. Please re-read." In addition, for example, when the back side of the transfer request form of numbering 0036 is read, a message such as "The transfer request form of numbering 0036 is read on the back side. Please re-read on the front side." To send. Further, the operator points out the density at the time of re-reading, for example, as “light”, “slightly light”, “normal”, “slightly dark”, or “dark”. For example, when the initial density is “normal” and the image displayed on the entry client 33 is too faint and unclear, the density at the time of re-reading is set to “slightly dark” or “dark”.

These messages are displayed in the center message area W provided on the display device of the operation terminal 11, as shown in FIG. This message remains unless the transfer request image is re-read. During operation, the center message area W may be hidden. Step S7
Then, the clerk of the sales office 10 checks the message displayed in the center message area W of the operation terminal 11 during the vacant time, displays the re-read screen, reads the transfer request form, and proceeds to step S2. Step S5 is repeated.

When re-reading the transfer request form, the reading density of the reading device 12 is set to the density indicated by the operator of the entry client 33. Also, when re-reading the transfer request form, the new numbering is not performed. FIG.
As shown in (2), the old numbering of the transfer request form for re-reading is automatically entered in the designated reading number area B. Also, if "*" or the like is added to the numbering of the transfer request book to be re-read, the re-read transfer request book can be easily distinguished.

In step S8, the user manually inputs exchange data while checking the image of the transfer request form F displayed on the entry client 33. At this time, for the transfer request form F in which there is an unclear portion in the image, if the reread image is received, the image is confirmed. In step S9, the image of the transfer request form and the input exchange data are returned to the verification client, and the exchange data is verified.

In step S10, the exchange data is transmitted to a host computer, which is a host device, via a communication gateway. In the centralized exchange processing system 100, when the operator of the entry client 33 of the centralized center 30 has an unclear place in the image of the transfer request form, the operator of the sales office 10 sends a message requesting the rereading of the transfer request form. Send to the operation terminal 11 and branch 1
Since the transfer request form is re-read during the time when the clerk 0 is vacant, there is no need to call the business office 10 from the centralized center 30 or fax the centralized center 30 from the business office 10, so the processing efficiency is reduced. Is improved. Further, since it is not necessary to use a telephone or a facsimile to check data at a blurred portion in the image of the transfer request form, the telephone or the facsimile can be used for another job.

In the above description, the initial density of the reading device 12 has been described as “normal”. However, when reading the image of the transfer request form that clearly requires density adjustment, as shown in FIG. The initial density of the device 12 may be selected from, for example, “light”, “slightly light”, “normal”, “slightly dark”, and “dark”. In this case, when transmitting the image of the transfer request form to the centralized center 30,
The density information is also transmitted, and the operator of the entry client 33 of the centralized center 30 points out the density of the re-read based on the density information. Thereby, useless exchanges between the sales office 10 and the centralized center 30 can be avoided, and the processing efficiency is improved.

[0028]

As described above, according to the present invention, when there is an unclear portion in the image of the transfer request form, a message requesting re-reading of the transfer request form is returned to the business office, and the transfer request form is returned to the business office. Then, the transfer request form with the message is read again. This eliminates the need to call the branch office from the centralized center or fax the centralized center from the branch office, and re-reads the transfer request form when the branch office staff member is vacant. improves.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of a centralized exchange processing system of the present invention.

FIG. 2 is a flowchart of an operation of the exchange centralized processing system of FIG. 1;

FIG. 3 is an explanatory diagram of a display of a message on an operation terminal.

FIG. 4 is an explanatory diagram of setting of an initial density.

FIG. 5 is a flowchart of a conventional exchange concentration process.

[Explanation of symbols]

 REFERENCE SIGNS LIST 100 Foreign exchange central processing system 10 Sales office 11 Operation terminal 12 Reader 30 Centralized center 33 Entry client 40 Host computer

Claims (4)

[Claims] 1. An image of a transfer request form is read at a branch office, the image is transmitted to a centralized center, the image is displayed on a screen at the centralized center, and currency exchange data is input while checking the image displayed on the screen. In the centralized exchange processing method that verifies the exchange data and transmits it to the host device, the exchange data is processed in a concentrated exchange processing method. Sending a message requesting re-reading of the transfer request form to the sales office, and re-reading the image of the transfer request form receiving the message and transmitting the image to the centralized center. Processing method. 2. The method according to claim 1, wherein when transmitting the image of the transfer request form from the business office to the centralized center, the initial density at the time of reading the image of the transfer request form is transmitted at the same time. When a message requesting reading is sent from the centralized center to the sales office, the density when re-reading the image of the transfer request form is pointed out based on the initial density. A method for centralized exchange processing, wherein an image is read again and transmitted to a centralized center. 3. The exchange concentration processing method according to claim 2, wherein the density when reading the image of the transfer request form is adjusted based on the density of the transfer request form. 4. An office has a reading means for reading an image of a transfer request form, and an office transmitting / receiving means for transmitting the image to a centralized center, and the centralized transmitting / receiving means for receiving the image at the centralized center. Means, display means for displaying the image on a screen, input means for inputting exchange data while confirming the image displayed on the screen, and verification means for verifying the exchange data. The system comprises a message creating means for creating a message requesting a rereading of the transfer request form for a transfer request form in which exchange data cannot be confirmed because the image displayed on the screen is unclear. Is transmitted to the sales office via the center-side transmission / reception means. Wherein the image of the transfer request form is read again by the reading means, and the image is transmitted to the centralized center via the business office side transmitting / receiving means.