JPS6226578A - Window transaction processing system - Google Patents

Abstract

PURPOSE:To correspond to plural customers by one teller and to execute the efficiency and the energy saving of the window work in the transaction accompanied by the non-routine media by contacting with the customer operating part and the teller operating part with the media conveying means. CONSTITUTION:When a customer executes the transaction selection with an input means 2 for the customer concerning whether the transfer is the transaction of the check or the bill and the media used for the transaction are entered to a media entering/returning means 4 for the customer, the media are conveyed to a media discharging entering means 9 for the teller by a conveying body 10. When by the conveyed media, the teller inputs the transaction contents by an input means for the teller, a central processing unit 17 executes the transaction. In case of the transaction having the media to need to return or issue the customer memo of the request slip, the transaction specification form, etc., to the customer, by the return of the transaction completion from the central processing unit 17, by entering the media to the media discharging entering means 9 for the teller, the media are conveyed to the media entering returning means 4 for the customer and discharged to the customer.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to a counter transaction processing system in a financial institution.

[Conventional technology]

In financial institutions, -1 improvement in the efficiency of counter operations.

In order to save labor, the mechanization of transactions and the transition to automatic transaction devices are rapidly progressing.

However, for transactions involving media in non-standard formats, such as transfer requests and checks, mechanized processing using optical character readers has been proposed, but in the case of handwritten characters, the recognition rate is low. In addition, even when printed characters are misrecognized, there are problems such as the need to correct the read data, and it takes time to decipher media with non-standard formats, so it has not reached a practical level. However, this is an impediment to mechanical processing.

On the other hand, for transfer transactions, automatic transfer devices have been proposed that automatically process transfers based on the customer's own operations, contributing to labor savings for tellers. I haven't gotten to the point where I can move on from business.

For transactions for which it is difficult to fully transfer to automated transaction systems and automated transaction systems, they will need to be handled at the counter as before, so in the conventional counter transaction processing system, a full-time teller will be assigned to each counter. This was a major hindrance to improving the efficiency and saving labor of counter operations.

[Problem that the invention seeks to solve]

In view of the above-mentioned problems, the present invention enables one teller to handle multiple customer counter transactions, does not make the customer aware of being kept waiting, and allows the teller to wait for the customer. Improve the efficiency of counter operations by relieving you of the mental burden of having to wait.

The present invention provides a counter transaction processing system that enables labor saving.

[Means for solving problems]

The present invention provides a customer medium input/return means for accepting and returning non-standard media such as transfer requests, checks, bills, etc., a customer display for displaying a message to the customer in response to a transaction, and a customer display for the customer. A plurality of customer operation units each having a customer input means for inputting a selection result based on a displayed customer message, a teller medium ejection/input means for ejecting and inserting the medium, and a transfer destination according to the transaction. At least from the customer side, there is a teller operation unit that has a teller input means for inputting transaction data such as transaction data, amount, etc., and a teller display that displays various data manually entered by the teller input means and the customer input means. The teller side is arranged in such a way that it cannot be seen visually, and a conveyor is provided which connects the customer medium input/return means and the teller medium discharge/input means.

[Effect]

In the above configuration, when a customer selects a transaction, for example, a transfer or a check or draft transaction, using the customer input means and inserts the medium to be used for the transaction into the customer medium input/return means, the medium is transferred to the teller medium by the carrier. It is conveyed to the discharge/input means. When the teller inputs transaction details using the teller input means using the transported medium, the input data is transmitted to the central processing unit of the center, and the central processing unit executes the transaction. Due to the transaction completion reply from the central processing unit,
In the case of a transaction involving media that needs to be returned or issued to the customer, such as a customer receipt for a request form or a transaction statement, the medium can be inserted into the teller's medium ejecting and returning means. It is transported and released to the customer. During this time, the customer waits for the transaction to be completed in accordance with the instructions displayed on the customer display.

Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 is a plan view showing one embodiment of a customer operation section and a teller operation section according to the present invention, in which a plurality of customer operation sections A,
It has B.

Reference numeral 1 denotes a partition wall installed between the customer operation section 2 and the teller production section, so that the customer and the teller cannot see each other visually. 2 is a customer pin pad where the customer enters the transaction he/she wants to perform, such as selection of transfer, cashing of check or bill, confirmation/cancellation of transaction details, PIN number, etc. 3 is the transaction details that the customer should confirm and 4 is a customer display for displaying messages to customers, and 4 accepts non-standard media such as transfer requests, checks, and bills.

5 is a money depositing and dispensing machine;
6 is a customer card league, and devices from a customer bin pad 2 to a customer card reader 6 are arranged in each customer operation section A and B, respectively.

7 is a teller keyboard for inputting transaction data such as transfer destination and amount according to the transaction; 8 is a teller display; 9
is a teller medium release/input means.

Reference numeral 10 denotes a carrier for conveying the medium used for transactions, and connects the customer medium input/return means 4 and the teller medium discharge/input means 9. These devices from the teller keyboard 7 to the teller medium discharge/input means 9 are arranged in the teller operation section, so that a plurality of customers can respond to one teller.

FIG. 2 is an example of a configuration block diagram according to the present invention, and 1
1 is a counter main control unit, 12 is a communication control device, and 13 is a transmitting/receiving unit, which are located in the branch of each financial institution.

14 is a center that receives information from each financial institution branch;
1, file 18, etc.

Next, the transaction procedure will be explained using a transfer transaction as an example.

■ The customer selects a transfer transaction using Bin Bad 2 for customers.

(2) The counter main control unit 11 displays guidance on the customer display 3 to input the transfer request form into the customer medium input/return means 4 by pressing the transaction selection button.

■ The customer follows the guidance on customer display 3 and enters the name of the financial institution (9), branch, and subject name to which the transfer will be made.

A transfer request form containing the account number 3, account name 2, name, payer's name, telephone number, transfer amount, etc. is inserted into the customer medium input/return means 4.

■ The teller main control unit 11 conveys the transfer request slip to the teller medium discharging/inserting means 9 via the conveyor 10, and at the same time, in the case of cash depositing, sends an instruction to insert the transferred cash into the money depositing/dispensing machine 5. In the case of a withdrawal, the ID card is read by the customer card reader 6, and a message to input a password is displayed on the customer display 3 using the customer bin bud 2.

■ When the customer completes inserting cash or reading the ID card and inputting the password, the counter main control unit 11 displays the guidance "The computer is currently processing. Please wait for a while." on the customer display 3.

■ The teller inputs the above-mentioned request information on the transferred transfer request form using the teller keyboard 7.

The above-mentioned operations by the customer to insert cash, read the ID card 9, and input the password can also be performed after the data input.

■ The counter main control unit 11 checks the transfer amount and the input amount or the balance of the withdrawal account, and if the input amount or the balance of the withdrawal account is equal to or greater than the transfer amount, transfer the transfer transaction data to the center 14. The data is transmitted to the central processing unit 17 of. If the deposited amount or the balance in the debit account is less than the transferred amount, the teller main control section 11 displays this on the customer display 3 and prompts the customer to deposit the insufficient amount in cash.

If the customer presses the cancel button due to lack of cash, etc., or if a timeout occurs while waiting for additional cash to be inserted, the transaction is canceled and the transfer request form and the customer form are returned to the customer medium input and return means 4 by the conveyor 1G. At the same time, the cash inserted into the money depositing and dispensing machine 5 is returned to the customer.

When the password is inputted incorrectly in the transfer by direct debit, this fact is displayed on the customer's display 3 and the customer is prompted to input the password again using the customer's bin bud 2. At this time, the password can be re-entered up to a predetermined number of times, as is generally done in automatic transaction machines, and the ID card can no longer be used after that.

(2) The central processing unit 17 executes a transfer process based on the received transfer transaction data, and returns the result to the counter main control unit 11.

■ If the transfer process is performed normally, the teller affixes his stamp on the customer copy of the transfer request form and inserts it into the teller medium ejection/insertion means 9. At this time, if the transaction to be read is a transfer transaction by direct debit, the direct debit statement is input at the same time and conveyed by the carrier 10 to the customer medium input/return means 4, and if there is change, the money deposit/disburse machine 5, the change is released to the customer and the transfer transaction is completed. In addition, if the transfer process is not performed normally due to the absence of the applicable transfer destination account, etc., a message to that effect will be displayed on the customer display 3.
It is possible to make corrections and execute the transaction again, or it is also possible to cancel the transaction by returning the accepted transfer request form, currency, etc. to the customer.

The above is an example of a transfer transaction, during which the customer
It is waiting in the customer operation section outside of. on the other hand,
Other customers also conduct parallel transactions in other customer operation departments,
Since the teller only has to input the transfer data using the teller keyboard T, the transfer request forms conveyed to the teller medium ejection/input means 10 by the conveyor 10 can be sequentially processed, and each customer's display 3
``The computer is currently processing the transaction. Please wait for a while.'' By displaying this guidance, the customer can wait for the transaction to be completed without being conscious of waiting in line for processing. The above explanation is for the case of bank transfer transactions, but in addition to bank transfer transactions, each customer also has check and draft transactions, and these are all conducted in parallel, so check transactions will be explained below. . The same process applies to bills.

■ The customer selects a check transaction using the customer pin pad 2.

(2) The counter main control unit 11 displays guidance on the customer display 3 to instruct the customer to insert the transaction check into the customer medium input/return means 4 by pressing the transaction selection button.

In addition, in the case of depositing into an account, a guidance display is displayed so that the deposit request form should also be deposited.

■ The customer followed the guidance on the customer display 30 and wrote the check or stamp, account number 1, name, deposit amount, and other information. The deposit request form is inserted into the customer medium input/return means 4.

■ The counter main control unit 11 transports the deposited check and deposit request slip to the teller medium ejection/input means 9 using the carrier 10, and at the same time displays the message "The computer is currently processing. Please wait for a while" on the customer display 3. View guidance.

■ The teller inputs the above-mentioned request information on the delivered check and deposit request form using the teller keyboard T.

■ The counter main control unit 11 transfers check transaction data to the center 14.
The data is transmitted to the central processing unit 1γ. At this time, in the case of depositing money into an account, the amount written on the deposit request form is checked against the face value of the check, and if correct, the amount is sent to the central processing unit 1T of the center 14.

If the amount written on the deposit request form and the face amount of the check are different, this fact is displayed on the customer display 3 and the customer is prompted to make a correction input. It is also possible to insert the deposit request form and the check into the teller medium discharge/input means 9 and return them to the customer medium input/return means 4 by means of the conveyor 10.

(2) The central processing unit 7 executes check processing based on the received check transaction data and returns the result to the counter main control unit 11.

■ If check processing is performed normally, counter main control unit 1
1 releases cash to a customer using a money depositing and dispensing machine 5. At this time, if the transaction is a check transaction by depositing into an account, the statement slip is inserted into the teller medium ejection/input means 9, and the conveyor 1
0 to the customer medium input/return means 4 and released to the customer to complete the check transaction.

In addition, if the check processing is not carried out normally, it is possible to display the fact on the customer display 3 and have the customer make corrections and execute the transaction again, or to check the accepted check.

It is also possible to cancel the transaction by returning the deposit request form to the customer.

It should be noted that although the above explanation has been made for transactions that do not involve a bankbook, it is of course possible to perform transactions that involve a bankbook by carrying out the same transportation process for the bankbook. Of course, this is also possible in transactions involving seals.

〔Effect of the invention〕

As described above in detail, according to the present invention, a plurality of customer operation sections and a teller operation section are arranged in a state where they cannot be visually seen at least from the customer side to the retailer side, and the medium conveying means connects the customer operation section and the teller operation section. By providing
Transfer requests and checks, which have traditionally been difficult to process mechanically, enable a single teller to handle multiple customers.

It is possible to improve the efficiency and save labor of counter operations in transactions involving non-standard media such as bills.

In addition, by displaying the guidance "The computer is currently processing the transaction. Please wait for a while" on the customer display, customers can be made to wait for the transaction to complete without having to worry about waiting in line. It becomes possible to remove the mental burden on the teller from keeping the customer waiting.

[Brief explanation of drawings]

FIG. 1 is a plan view showing an embodiment of a customer operation section and a teller operation section according to the present invention, and FIG. 2 is an example of a configuration block diagram according to the present invention. 1... Partition wall 2... Bin bad for customers 3...
Display for customers 4... Means for inserting and returning media for customers 5... Money deposit/withdrawal machine 6... Reader for customers
7... Keyboard for teller 8... Display for teller 9... Means for discharging medium for telling 10...
・Carrier

Claims (1)

[Scope of Claims] 1. A customer medium input/return means for accepting and returning non-standard media such as a transfer request form, check or bill; and a customer display for displaying a message to the customer in response to a transaction; a plurality of customer operation units having a customer input means for inputting a selection result based on a customer message displayed on the customer display; a teller medium ejection/input means for ejecting and inserting the medium; and a transaction. A teller operation unit having a teller input means for inputting transaction data such as the transfer destination and amount according to the teller input means, and a teller display for displaying various data inputted by the teller input means and the customer input means. is arranged so that the teller side is less visible than the customer side, and the medium input/return means for the customer and the medium discharge/input means for the teller are connected by a carrier to convey the medium, etc. counter transaction processing system.