JPS622356A - Bank window transacting system - Google Patents

Abstract

PURPOSE:To obtain a window transaction system for eliminating the transaction input operation of a user, and also realizing the labor saving of a work of a bank clerk, by providing an optical input device and a display device of a result of input, and reading and recognizing an ID and a transaction data on a transaction slip by the input device. CONSTITUTION:A window transacting device 5 extracts the image data concerned from an image file 4 by an account number in an input transaction data from a slip reader 6. In the file 4, image data such as a seal print which has been registered by a user, a signature of a full name, handwriting, etc. are stored. The extracted image data is displayed in parallel together with the seal pint which has been inputted from the reader 6, a handwritting image data, a transaction data of a transaction amount, etc., on a display device 8. A bank clerk compares and confirms these seal print and full name signature which have been displayed in parallel, and confirms that there is no entry error. When it has been confirmed that the user is legal, and the transaction data is correct, a confirmation key on a keyboard 7 is depressed, and updating of a ledger file 2 is permitted.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Application of the Invention] The present invention relates to a bank counter transaction system suitable for saving labor in counter transactions at financial institutions.

[Background of the invention]

As a method for saving the labor of over-the-counter transactions at financial institutions, such as banks, for example, as shown in Japanese Patent Publication No. 59-41225, the user is asked to enter transaction data using a keyboard, etc. There is a known method that only checks whether the transaction data entered by the user is correct or whether the user is a legitimate user. However, this method requires the user to operate an input device such as a keyboard or input device, leading to a decrease in service due to an increase in the user's input burden, or a reduction in transaction time due to the user's lack of proficiency. This has the drawback of increasing the processing efficiency of the system.

[Purpose of the invention]

The present invention has been made in view of the above-mentioned shortcomings of the prior art, and an object of the present invention is to provide a counter transaction system that eliminates the user's transaction input operation and can save the bank staff's work. do.

[Summary of the invention]

In order to achieve the above object, in the present invention, transaction items are recorded on the transaction slip that the user writes.

An input device that can be optically read and recognized with an ID that identifies the transaction type, and a display device that monitors the input results of this input device are provided, and the input device reads and recognizes the ID and transaction data on the transaction slip. By doing this, we can automate the operation of selecting transaction items, transaction type, and inputting transaction data.
This system is characterized in that the bank employee simply checks what is displayed on the monitor and presses a confirmation key to input a confirmation operation.

[Embodiments of the invention]

An embodiment of the present invention will be described below.

FIG. 1 is a block diagram illustrating an over-the-counter transaction system and its operation according to an embodiment of the present invention. 1 is a transaction processing device (hereinafter abbreviated as center), 2 is a ledger file, which stores transaction balance data,
Stores unrecorded data, address data, name data, etc. 3 is a terminal control device, and 4 is an image file in which seal image data, handwriting image data, and password data registered by the user are stored. Reference numeral 5 denotes a counter transaction device, which includes a slip reading device 6 having a function of optically reading an image of a transaction slip, temporarily storing the image data, and character recognition of the image data; A display device 8 that displays the transaction date, evening, or seal image data transferred from the terminal control device 3, and a confirmation key that is pressed when the transaction data displayed on the display device 8 is confirmed and determined to be correct. It consists of a keyboard 7 equipped with.

Next, the operation shown in FIG. 1 will be explained.

Users who wish to conduct transactions must select the desired transaction account (ordinary deposit, current account, etc.) and transaction type (deposit, etc.).

(refund, etc.). Figure 2 shows an example of an ordinary deposit refund request slip, which is one of the transaction slips.As shown in Figure 2, the transaction slip includes ID9 to identify the transaction item and transaction type. has been done.

The user enters predetermined data necessary for the transaction, such as account number and transaction amount data, in the selected transaction slip. Furthermore, depending on the nature of the transaction, it may be necessary to affix a seal, sign the user's name, or enter a PIN number. Next, the completed transaction slip is handed over to an operator such as a bank employee at the bank counter. The bank employee receives the slip and inputs it into the slip reading device B.

The transaction slip input into the slip reading device 6 is optically read as image data, and the ID for determining the transaction item and transaction type, as well as the transaction data entered by the user, are recognized. Based on the information of the recognition results, the screen is edited according to the transaction item and transaction type, and is displayed on the display device 8. The bank employee checks the transaction data displayed on the display device 8 to see if there are any errors in the user's entry, and if it is determined that the transaction data is correct, presses the confirmation key on the keyboard 7.

By pressing the confirmation key, the transaction data is notified to the terminal control device 3, and the terminal control device 3 transfers this data to the center 1.
At the center 1, the ledger file 2 is accessed based on the account number in the transferred transaction data. As mentioned above (in cases where it is necessary to authenticate the user as a legitimate user depending on the content of the transaction, in a system that authenticates the user using a PIN number, extract the PIN number from ledger file 2 and enter it in the transaction slip as described above) The balance data stored in the ledger file 2 is updated using the corresponding transaction data, for example, transaction amount data. Next, the center 1 notifies the counter transaction device 5 through the terminal control device 3 that the transaction is possible.Next, we will explain the case where the user is authenticated using a seal or a registered name signature. .

The counter transaction device 5 extracts the account number from the transaction data input from the slip reading device 6 and transfers it to the terminal control device 3.
The terminal control device 3 thereby extracts the corresponding image data from the image file 4. Here, the image file 4 stores seal imprint image data or name signature handwriting image data registered by the user as described above. The image data extracted from the image file 4 is transferred to the teller transaction device 5, formatted and edited so as to be displayed in parallel with the seal image data or handwriting image data input from the slip reading device 6, and transaction data such as transaction amount. and K are displayed on the display device 8.

Here, the bank employee compares the seal imprint or name signature displayed side by side on the display device 8 to confirm that the user is a legitimate user, and also confirms that there are no errors in the transaction data entered by the user. If it is confirmed that the user is an authorized user and the transaction data is correct, the user presses the confirmation key on the keyboard 7 and is permitted to update the ledger file 20 described above. Whether authentication is performed using a PIN number, a seal impression, or a name signature, the authentication method is considered as one of the transaction forms, and a transaction slip is provided for each authentication method.In other words, it is determined by ID. Alternatively, it is possible to create entry fields or stamp fields for the three authentication methods mentioned above on the same transaction slip, and to indicate which method the user has selected using a mark or other means. In any of the methods, by recognition by the slip reading device 6, it is possible to automatically determine which method the user desires.

〔Effect of the invention〕

As described above, according to the present invention, the user does not need to operate a machine such as a keyboard, and the bank staff only needs to check the transaction data on the display device, thereby reducing the service provided to the user. (This enables labor savings for bank staff.

[Brief explanation of drawings]

FIG. 1 is a blog diagram explaining a counter transaction system used in an embodiment of the present invention, and FIG. 2 is a diagram showing an example of a transaction slip. 1... Transaction processing device (center), 2... Ledger file, 3... Terminal control device,
4...Image 7 isle, 5...Counter transaction device, 6
-...Slip reading device, 8...Display device, 10.
...more than 0

Claims (1)

[Claims] It has a ledger file in which account data is stored for the user's account, and accesses the ledger file using predetermined transaction data entered by the user on the transaction slip,
In a bank counter transaction system that executes transactions based on account data and transaction data, a first input means has a function of optically reading information on the transaction slip as image data and a function of character recognition of the image data; , comprising a display means for displaying transaction data input from the input means and a second input means for confirming the transaction data displayed by the display means, the transaction being input from the first input means; on the slip by an optically readable method.
A unique ID is provided for each transaction item and transaction type, the ID and transaction data of the transaction slip input from the first input means are recognized, and the transaction data is edited based on the recognition result of this ID and displayed on the display means. Display and display transaction data,
A bank counter transaction system characterized in that a transaction is executed when a confirmation operation is performed by the second input means.