JPS621065A - Slip image processing system - Google Patents

Abstract

PURPOSE:To decrease the number of writing items of a user as well as the number of operations of a teller and thereon to improve the processing efficiency of a transaction job, by using a business work dictionary storing the processing procedure of each transaction. CONSTITUTION:For the composite terminal of each bank, a slip 1 to which the minimum number of items required for processing such as the date, the account number, the name, the amount and the print of a seal is read by an image reader 2. A composite terminal processor 3 refers to a business work processing program 5, an electronic slip element data file 6 and a business work guidance file 7 to display the teller job processing guidance on a display device 8 based on a business work dictionary 4 utilizing the rule properties of the slip processing. The teller operates a keyboard 9 while looking at a screen to perform the transmission to a center and the slip data processing. A decentralized processor 12 performs the collation of seal impressions. An LAN system 11 is used for transmission and reception carried out via a communication circuit when the reference is given to a customer information file 2, a ledger file 21 and an electronic slip file 20 respectively.

Description

[Detailed Description of the Invention] [Field of Application of the Invention] The present invention relates to a slip image processing system 11, and is particularly directed to saving labor in consideration of the regularity of processing of slips by financial institutions, such as bank tellers. This invention relates to a slip image processing system that can measure

[Background of the invention]

2. Description of the Related Art Conventionally, an automatic transaction system for automating bank counter transactions is known, for example, as described in Japanese Patent Publication No. 59-44223. According to the above system, after the user fills out the form, the teller checks the form and sends the filled data to the center to update the file, and the teller monitors and displays the user's form filling operation. , all you have to do is check the displayed content and press the confirmation button to input the confirmation operation.

However, with the above system, it is unclear which points the teller checks and presses the confirmation key during the transaction process, and whether the type is confirmed by the user specifying the transaction type. However, there is a problem in that the interrelationship between banking transaction processing procedures and systems is not clear.

By the way, processing items for slips used in banks include stamping, spread verification, article fields, back side processing, etc. What is clear here is that even on a six-page slip, the same item is It is three pages long, and only a few items are necessary for the teller to process the business, such as account number and amount, and there are times when it is necessary to verify the seal and times when it is not necessary to process the slip. There must be regularity in the work content.

[Purpose of the invention]

The purpose of the present invention is to improve the conventional problems, to reduce the number of items to be filled out by the user, and to reduce the number of teller operations, thereby saving labor, reducing input errors, and improving the processing efficiency of transaction operations. The object of the present invention is to provide a slip image processing system that can improve the image quality of documents.

[Summary of the invention]

In order to achieve the above object, the slip image processing system of the present invention includes an image reader for reading various slips, a display device for displaying business processing guidance items read by the image reader, and inputting data according to the guidance items. In a teller multi-terminal system equipped with an input device for processing input data and a control device for transmitting and receiving data to and from a center, processing procedures for each business transaction by a teller are stored in the control device. A business dictionary is installed, and the above-mentioned image reader reads the slip in which the minimum necessary items for processing such as date, account number, name, amount, and seal impression are entered, and the above-mentioned business dictionary is read based on the read transaction details. The system is characterized by searching, displaying each processing item of the corresponding transaction on a display device, and, after checking by the teller, processing the slip using the control device.

[Embodiments of the invention]

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

FIG. 1 is a block diagram of a slip image processing system showing an embodiment of the present invention.

In Fig. 1, numeral 1 denotes various types of slips, 2 an image reader unit for reading the processing items of the slips, 3 a microprocessor of a teller multifunction terminal that processes slip data and seal verification processing, and 4 a microprocessor in the processor 3. 5 is a business processing program that executes processing for each transaction content; 6 is an electronic slip data file; 7 is a business guidance file; 8 is a display device; 81 is a Display control device, 9 is a keyboard device, IO is an auxiliary terminal device such as a bookkeeping machine, 11 is L
A N (Local Area NetZwork
) system, 12 is a distributed processor system, 13 is a data processing program file, 14 is a seal file, 15 is a microprocessor of an office terminal, 16 is a display device, 17 is a keyboard device, 18 is a line connection mechanism on the distributed processor side , 18a is a line connection mechanism on the host side, 19 is a host 1-central processing unit, 20 is an electronic slip file, 21 is a ledger file, and 22 is a customer information file.

In FIG. 1, terminals at each branch of a bank are connected by a LAN system, and the processing results of a multi-terminal processor 3 at the branch are transmitted via a LAN distributed processor system 12 to a host 1 to a central processing unit 19 at the center. Then, each file 20, 2I, 22 is updated and sent back to the original composite terminal processor 3. Then, at each bank's multifunction terminal, the user does not fill in all the slip items as in conventional slip processing, but only one basic item such as an account number is filled in, and the multifunction terminal processor 3 After accessing the system and completing the identity verification process, based on the business dictionary 4 that uses the regularity of slip processing,
Teller business processing guidance is automatically presented, and the teller processes transaction data according to the guidance, thereby improving the system processing efficiency of banking transactions. In this way, in the present invention, the business dictionary 4 that utilizes the regularity of slip processing is used to accumulate knowledge in the teller business, and the slip processing items are compressed to allow the image reader section 2 to cut out, etc. The load on terminal processing can be reduced.

In the teller multifunction terminal shown in FIG. 1, first, a slip 1 filled out by the user is read by an image reader section 2, and based on the judgment of the business dictionary 4 according to the contents of the slip processing items, an electronic slip is created and a customer information file is created. 22 reference etc. are instructed.

These processes are carried out by the multifunction terminal processor 3 using the business processing program 5. This is executed while referring to the electronic slip element data file 6 and the business guidance file 7, and the teller operates the keyboard 9 while looking at the screen displayed on the display device 8 to transmit to the center. The multifunction terminal processor 3 processes the slip data, the distributed processor 12 performs seal verification processing, and the LAN system 11 uses the teller multifunction terminal to refer to the customer information file 222, ledger file 21, electronic slip file 20, etc. Used to send and receive over communication lines.

The host system 19 performs daily business processing, and
Performs processing when there is a file access request from the teller compound terminal. Further, the microprocessor 15, display device 16, and keyboard device I7 of the executive terminal are provided for the executive to carry out conversation processing with the teller when a request for check approval is received from the teller composite terminal.

Next, we will explain the slip processing for ordinary deposits and new application forms.

FIG. 2 is a diagram showing an example of a slip format.

When a slip having such a format is read into the image reader unit 2 of the teller multifunction terminal shown in FIG. 1, the number r321J of the slip ID 24 is read. Using the deciphered slip ID 24 “321” as the key,
Search the business dictionary 4 and find r321 of the slip ID24.
” is stored in the business processing table.

FIG. 3 is an explanatory diagram of the contents of the business dictionary shown in FIG. 1.

As shown in FIG. 3, the structure of the business dictionary 30 is as follows.

It consists of a business processing table 31 in which information is stored for each processing segment, such as storage address, slip segment ID, code processing item, and so on. This business processing table 31 is divided by the slip ID 24, and is used to predetermine a processing procedure for each transaction content and control the operation of the information processing system using that procedure.11. trill
The encoded information is stored in the ROM. The meaning of encoding 111'' in terms of the information processing system is to instruct the system to process the item in question, and the meaning of #O'' is to not process the item in question. Note that the horizontal axis of the business dictionary 30 is a business processing table 31, and the business process is divided into, for example, a new application form for a savings account. In addition, the vertical axis is divided into processes such as identity verification, balance verification, and bookkeeping processing.

The extracted corresponding business processing table 31 is as follows.

The processing information in the table is divided into seven primary types of information by the item minute mark and the item end mark.

■In the personal identification information, the item classification mark of the code processing item 35 is divided by "("), and the item end mark is divided by ")". In the case of Figure 3, Ordinary Deposit/New Application Form 23
Since the codes are all II OII, there are no processing items and the 5-identity verification processing screen is not edited.

■Transaction propriety determination information is indicated by “〈” and “〉” respectively.
The pressure is divided.

■Seal verification processing information is indicated by "[" and "]" respectively.
The pressure is divided.

(2) Guidance processing information is divided by "#" and "%", respectively.

■Booking processing information is indicated by "10" and "-" respectively.

The pressure is divided.

(2) The print approval processing information is divided by "?" and "/" respectively.

■The verification stamp processing information is divided by "&" and "@", respectively.

The composite terminal processor 3 searches the business dictionary 4 by interpreting the slip ID 24 and determines the code information LL I II and 110 II of the business processing table 31. At this point, the new application form 23 for ordinary deposit is This means that the following document processing items have been automatically determined.

In the conventional system, the teller looks at the user's completed form, decides what to do, and performs key manual operations such as business transaction type keys and subject keys on the teller terminal.
The system of this embodiment does not require all such manual key operations, and by issuing instructions according to the operation order from the business dictionary 30, the information processing system can be automatically operated and these checks can be performed. . Next, when the image reader section 2 reads the "*" of the transaction end mark 42 indicating the end of one transaction in the business processing table 31, it reads the account number 26 of the slip shown in FIG.

At this time, the identity verification information that has already been distributed is determined by the multifunction terminal processor 3, and the business dictionary 30 performs identity verification and transaction propriety determination for this slip.

It is determined that the seal verification process is unnecessary, and the display device 8 of the teller multifunction terminal displays only the guidance items such as address, postal code, and telephone number of the guidance processing items 38, and the dialogue between the user and the teller Data is created.

Next, the image reader section 2 reads the amount 29, and at the same time, the teller's display device i! The amount read by the image reader unit 2 is displayed on the processing screen 8. Check the amount displayed on the screen, and if it is OK, press the stamp key etc. to confirm the LANII
The contents of the electronic slip for 1 transaction just created are displayed on the display device 16 of the office terminal via .

When approval is obtained from the executive, a message to that effect is displayed on the display device 8 of the teller multifunction terminal via LAN II. The teller stores the electronic slip data for one transaction in the electronic slip raw data file 6 by pressing a completion key or the like.

At this time, when the teller creates the slip data, there is no need to press the enter key one by one for data transmission as in the conventional case, which saves manual key operations. Furthermore, the load on the distributed processor 12 that determines this data transmission is also reduced.

If the electronic slip raw data file 6 is stored in a flexible disk device, etc., it can be transported to the head office in a bank car after the business is completed, and the data stored in the electronic slip raw data file 6 can be stored overnight. An electronic slip can also be created by transferring it to the host computer 19 via the LAN 11.

In this way, the only items that the user, or customer, needs to fill in on the slip are the year, month and day, account number, name (Katakana), amount, and the procedure of affixing a seal, as shown in Figure 2. This eliminates the need to fill in many items on the slip, making it possible to save labor in filling operations. Furthermore, since the teller performs key operations for transaction data according to the processing procedure on the guidance screen, the rate of erroneous inputs is reduced. moreover.

Since the transaction data is entered after the identity verification has been reliably carried out, the teller does not need to perform transaction processing key operations to cancel or modify the transaction, which can save labor. In addition, the conventional system required the following key operations based on the teller's transaction data. That is, (a) initial set at the beginning of a transaction, (b) operation for selecting transaction type and item, (C) operation for requesting guide number transmission,
(d) numerical input operation for screen selection, (e) function key operation for screen switching, etc.

However, in the system of this embodiment, the teller's key operation guidance items for business processing corresponding to the transaction type are consolidated into I transaction units, so the teller can only perform limited operations such as confirmation keys or correction keys. It is possible to save labor.

In addition, in conventional slip processing, the decision to renew, renew, or cancel a contract is made after looking at the slip presented by the customer, but in the system of this embodiment, the prohibited pressure elements are deciphered using an image reader. By doing so, the system automatically edits the processing guidance screen and displays it on the display device, allowing the teller to perform business processing without having to perform various procedures. Furthermore, when creating voucher data, there is no need to issue a transmission request to the distributed processor one by one, and electronic voucher data is created by closing the data on the teller multifunction terminal, improving system processing efficiency and distributing The load on the processor is reduced. Furthermore, in this example,
Since the data is created after confirmation between the customer and the teller, O
Data confirmation work by reading CR etc. is greatly reduced. Also.

Since the slip processing items are compressed, there is no need to perform compression processing such as extraction during data reading by an image reader or the like or data transfer, so the buffer capacity for data processing is significantly reduced.

FIG. 4 is a block diagram of a slip image processing system showing another embodiment of the present invention.

FIG. 4 shows processing inside a terminal at one branch. 51 is various types of slips, 52 is a microprocessor for processing slip data, 53 is an image reader for reading the slip 51, 54 is a business dictionary, 55 is an electronic slip file, 56 is a guidance file, 57 is a display device, and 58 is a A data input device, 59 a slip or passbook recording machine, and 60 a cash processing machine.

First, when various slips 51 are read by the image reader 53 and input into the microprocessor 52, the microprocessor 52 uses the business dictionary 54 which determines the processing procedure for each transaction based on the read contents, and reads them from the guidance file 5G. The guidance items are read out and displayed on the display device 57. An electronic slip is created in the data input device 58 according to the guidance displayed on the screen of the display device 5-7. Further, a slip or passbook recording machine 59 performs slip printing and bookkeeping processing, and a cash processing machine 60 performs payment and receipt of cash. This is a format diagram of a deposit system.

Now, when the ordinary deposit deposit system shown in Figure 5 is input to the image reader 53, the number N25J of the slip IDI 2 is input.
is led. When the contents of the read slip IDI 2 are transferred to the microprocessor 52, the microprocessor 52 searches the business processing table 31 of the business dictionary 54 shown in FIG. 3 based on r123J of ID62. This search eliminates the need to press type keys, item keys, or fund keys, which were necessary in conventional business transactions. After this, the date, account number, name,
The amount is read by the image reader section 53, and business is done! 5
4. Perform the deposit processing according to 4.

FIG. 6 is a comparison diagram of operations using the business dictionary of the present invention and operations using a conventional teller.

In the conventional operation shown in FIG. 6(A), the deposit key is pressed in form 81, and the deposit type selection key (normal) is pressed in item 82.

Enter the 7-digit (1234567) number key for account number 84,
The teller needed to press the enter key 85 to send, and then the completion key to complete 36, for a total of 11 key operations.

On the other hand, in the operation of this embodiment using the business dictionary shown in FIG. 6(B), it is only necessary to press the completion key. Figure 6 (
In B), all operations in the shaded areas are performed automatically. That is, FIG. 6(B)-(a) is
This is a processing part that eliminates the operation of the form, account, and fund keys of the business transaction designation key, and the image reader 53 reads r123J of the slip genuine numerator D62 and reads the business transaction specification key from the business dictionary 54.
By searching the business processing table 31, it is determined that the processing is a regular deposit/deposit processing. As a result, the deposit key of type 81 and the deposit type key of item 82 are unnecessary, and the input operation is labor-saving. FIG. 6(B)-(b) is
This is a processing part for eliminating the input operation of the 7-digit numeric keypad for account number 84 (1234567), and is automatically read by reading the account number with the image reader unit 53. Finally, FIGS. 6(B) to 6(c) show the processing portion for eliminating the need to press the enter key in the transmission 85, which corresponds to ``1'' for one transaction in the business processing table 31 of the business dictionary 54. By reading the last transaction end mark (*) 42 after the code processing of and rr Orr, data for one transaction is temporarily stored in the electronic slip file 55 shown in FIG. This eliminates the need to sequentially send transmission request signals to one distributed processor, etc., as in the prior art.

For the deposits shown in FIG. 5, after the account number 64 is read by the image reader unit 53, the name 65 is read first, and the customer information file (not shown) is already displayed on the processing screen of the display device 57. Verify your identity by comparing the name with the displayed name. The next notification is seal verification process for seal 66.

Do not execute in this case. That is, when referring to the contents of the business dictionary 54 shown in FIG. 3, the codes for the seal stamp verification processing item 37 and the account seal stamp verification are both set to II On.

Next, the image reader unit 53 reads the deposit amount 6 from the deposit slip.
Read 7. The operation of the information processing system is instructed according to the contents of the transaction condition processing item 36 of the business dictionary 54.

In this way, it 1 ut ``0'' of the business processing table 31 corresponding to the slip ID 33 of the business dictionary 54
By determining the code information of code processing item 35
The contents of the customer list, which is the customer inspection at , are displayed on the processing screen of the display device 57, and identity verification processing and the like are executed. In the business table 31, the system operation procedure of the teller multifunction terminal device is instructed by the code information of 1'' and 0'' for the processing procedure according to the business transaction. The screen can be edited according to the processing content.

The determination method is to check the processing content of the code processing item 35 of the business dictionary 54 by checking the item minute mark "(" and the end of one item mark ")".
” are performed using the display device 57 as an identity verification processing screen. In the same way,
Transaction conditions processing item 36, seal verification processing item 37. For guidance processing items 38, etc., each processing screen is edited according to the contents sandwiched between different item minute marks and item end marks.

This eliminates the need for a guide number transmission request operation, a numeric input operation for screen selection, an operation for changing screen pages, etc., which were conventionally performed by the teller's manual key operations. Other bookkeeping processing, certification printing, inspection stamp processing, etc. are similarly decoded by the microprocessor 52 and the processing procedures are automated, thereby greatly reducing the labor required for key human operations in teller business transactions.

〔Effect of the invention〕

As explained above, according to the present invention, a business dictionary that takes advantage of the regularity of slip processing is utilized to consolidate teller tasks into knowledge, compress slip processing items, and use terminals such as image reader cutout. Because it reduces the processing load,
By reducing the number of teller key operations and the number of customer entry items, it is possible to reduce input errors and improve system processing efficiency for banking transactions.

[Brief explanation of the drawing]

Fig. 1 is a block diagram of a slip image processing system showing an embodiment of the present invention, Fig. 2 is an example of a slip format used by the system shown in Fig. 1, and Fig. 3 is a diagram showing a slip format used in the system shown in Fig. 1. 4 is a configuration diagram of a slip image processing system showing another embodiment of the present invention, FIG. 5 is a diagram of a slip format, and FIG. 6 is a diagram explaining the contents of the present invention and conventional key operation or automatic It is a comparison diagram of processing. 1.51: Slip, 2,53: Image reader section, 3.5
2: Microprocessor, 4,54: Business dictionary, 7.5
6: Guidance file, 20,55: l! Child slip file, 6: Data file, 5: Business processing program,
8,1.6.57: Display device, 9,17. ss
: Data input device @ (keyboard), 11 : LAN
, 12: Distributed processor, 59: Slip or passbook recording machine, 60: Cash processing machine, 18, 18a: Line connection device, 1
9: host processor, 21: ledger file, 22: customer information file.

Claims (2)

[Claims] (1) an image reader for reading various slips, a display device for displaying business processing guidance items read by the image reader, an input device for inputting data according to the guidance items, and processing the input data; In a teller complex terminal system equipped with a control device that sends and receives data to and from a center, a business dictionary that stores processing procedures for each business transaction by the teller is installed in the control device, and the minimum required for processing is installed in the control device. date, account number,
A slip with the name, amount, and seal imprint is read by the above-mentioned image reader, the above-mentioned business dictionary is searched based on the read transaction details, and each processing item of the corresponding transaction is displayed on the display device and checked by the teller. After that, the slip image processing system is characterized in that the control device processes the slip. (2) In the above business dictionary, each processing procedure for slip processing (deposit/withdrawal of ordinary deposits, etc.) and processing (identity verification, bookkeeping processing, etc.) is set to "1" or "0" for each transaction content. A patent claim comprising a business processing table stored in an encoded form, in which various information necessary for business processing retrieved by the business table is sorted, and the information is edited and displayed on a display screen. The document image processing system according to scope 1.