JPS6265186A - Bank window transaction system - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

[Detailed description of the invention] [R required] In order to further improve the efficiency of banking transactions, a customer terminal device through which a customer inputs information regarding bank transactions and the customer terminal device mutually transmit information. information storage means for storing transaction information processed by the counter processing vR device; and a back-processing device for displaying transaction information stored in the information storage means and performing inspection operations for transactions corresponding to the transaction information. Based on the input transaction information from the customer terminal device received at the counter processing ¥ All, the counter processing device and the back processing 1! f! Bank transactions can now be processed using the device.

[Industrial Application Field] The present invention relates to a bank counter transaction system for processing transactions at a bank counter based on requests from customers.

[Prior Art] A conventional system for transactions within a bank is as shown in FIG. 2, for example.

In the figure, at counter 1 there is a counter worker (hereinafter referred to as a teller) who interacts with customers, and behind him there is an operator who inputs the information written on the slip into the terminal 228 by key-in, and a teller worker who interacts with customers. The structure is such that an administrator is assigned to check transactions. The terminal device 8 includes a keyboard Hffff81, a display vR182, a printer device 2!83, and a control section 84. In the figure, reference numeral 9 denotes a communication control device 9, and this communication control device 9 is connected to a central I1 machine 5 such as an accounting center via a local line 41, a line connection box 42, and a communication line 43.

The flow of processing in the above system will be explained. First, the customer fills in the prescribed information such as his/her name, address, amount, etc. on a slip corresponding to the request for withdrawal, deposit, transfer, etc., affixes his/her seal, and submits the slip along with the fee etc. to the teller at counter 1. do. In this way, each teller confirms the entries on the slip submitted by each customer, pays and pays fees, etc., and then passes the slip to the operator behind him.

After sorting the slips sent by each teller by type, the operator sequentially inputs the information written on each slip into the terminal device 8 by keying in the keyboard device 81. This input information (hereinafter referred to as slip information) is stored in the control section 84 and displayed on the display device 82. In the process of the input operation by the operator to the terminal device 8, when the input of illumination on one slip is completed, the operator displays the screen! After checking the information displayed on i[82 and the items written on the slip, the sender performs a transmission operation to the central editor [15]. Then, the control section 84
The slip information stored in is transmitted by the communication control device 9 to the central metering machine 5 via the communication line 43.

On the other hand, the central calculation unit 115 analyzes the sent slip information as described above, performs transaction processing based on the slip information, such as processing for taking pictures from the customer's account or processing for transfer, and reports the processing results. A reply is sent to the communication control device 9 via the communication line 43. The terminal device 8 inputs the processing results of the central computer 5 transmitted from the communication control device 9, and
Based on the instructions of ll 1111 section 84, the printer device [8
Print out from step 3. This printout is from the keyboard device 8.
This is a response to the input in step 1, and is treated as a receipt within the bank. The operator operates the printer device 8 as described above.
When the printout from step 3 is completed, the transmission receipt and the corresponding slip are sent to the administrator. The administrator then compares the invoice and the transmission receipt, and if there are discrepancies or unclear points, gives appropriate instructions or arrangements to the operator or the teller in charge, and once the verification is successful, the administrator sends the invoice and transmission receipt to the operator. Return it to. In the meantime, the operator tallies the fees, etc., performs processing such as entry into the ledger, and stores the slips and transmission receipts handed out by the administrator in the storage box 18.

[Problems to be Solved by the Invention] By the way, in the above-mentioned system related to bank transactions, there are restrictions on improving the efficiency of transaction operations.

After the teller at the take-home counter receives the slip filled out by the customer, the slip must be circulated to various locations, and in the process, the information written on the slip must be entered into the terminal device. Because it has to be done.

SUMMARY OF THE INVENTION Therefore, an object of the present invention is to realize a system that does not require the circulation of slips and the associated input operation of slip information.

E Means for Solving Problem 1 The means for solving the above technical problem is to provide a customer terminal device through which the customer inputs information regarding bank transactions, and a window that transmits information between the customer terminal device and the customer terminal device. a processing device;
Information storage means for storing transaction information processed by the wedding day processing device, and a back-processing device for displaying the transaction information stored in the information storage means and performing inspection operations for transactions corresponding to the transaction information, are provided, and the counter processing Bank transactions are processed by a counter processing device and a back processing device based on transaction information from a customer terminal device received by the device.

[Operation] When a customer inputs information regarding bank transactions such as withdrawals, deposits, and deposits into the customer terminal device according to guidance, the input transaction information is transmitted from the customer terminal device to the counter processing device. At the counter processing device, the operator in charge confirms the received transaction information, and the information is input into the counter processing device in order to guide the customer to a designated counter. Then, the guidance information is sent back from the counter processing device to the customer terminal device, and the customer confirms this guidance information and goes to the designated counter. On the other hand, the counter processing device then stores the transaction information in the information storage means, transmits the stored transaction information to the back processing device and related processing devices, and the back processing device inspects the transaction. In addition, bank transactions are processed at related locations based on the transaction information.

[Embodiment 1 of the invention Embodiments of the present invention will be described below based on the drawings.

FIG. 1 is a block diagram showing an example of a bank counter transaction system according to the present invention. In the figure, 10 is a customer terminal device, and this customer terminal device [10 is an input device 11 such as a touch panel or a tablet on which the customer actually performs input operations, and an input device 11 for image information corresponding to various slips.
A display device 12 that displays the amount, name, etc. entered from 1 overlapping the image of the slip, and these inputs f
It has a control device 'e13 that performs overall control of the display device 12 and the display device 12. 20 is a counter processing device installed in the counter 1, which is operated by a teller.

This teller processing device 2o is connected to the customer terminal device 10 via a private line 2, and its configuration includes a control 'vt@21 that performs overall overall control, a keyboard device 22 operated by the teller, and a display. Device 23, printer device! It consists of 24. 25 is a disk device;
This disk device 25 controls transaction information etc. from the customer terminal device 10 inputted by the counter processing device 20.
It is designed to be stored based on the command of No. 21.

The flow of transaction processing in the above system will be explained.

First, the display device 12 of the customer terminal device 10 displays transaction items that can be handled by the system, such as withdrawals, deposits, and photography. Here, when the customer selects, for example, withdrawal by operating the input device 11, the display device V! At 112, image information of the withdrawal slip is displayed. Therefore, the customer
Please enter your name, amount, and amount according to the guidance displayed at the same time.
Account numbers and the like are sequentially input by operating the input device 11. When the customer's input regarding this withdrawal is completed, the control device 13 confirms that the transaction is a withdrawal, uses information such as name, amount, account, etc. as transaction information and further identifies the customer at the counter after assigning a number. It is transmitted to the processing device 20.

When the counter processing device 20 receives transaction information from the customer terminal device 1o via the private line 2, the control DllL4121
Based on the command, first, the transaction information, specifically information regarding withdrawal, is displayed on the display device @23. The teller checks the information displayed on the display device @23, and if there is an error, corrects it by keying in from the keyboard device 22. Then, the transaction information is stored in the disk device 25. Thereafter, the teller key-inputs guidance information to the receptionist to guide the customer identified by the number to the relevant counter. Then, the guidance information is transmitted from the counter processing device 20 to the customer terminal device 10 via the premises circuit ti12, and displayed on the display device 12 of this customer terminal device ff110. The customer waits at a predetermined counter according to the guidance information displayed on the display device 12.

On the other hand, the transaction information stored in the disk device 25 as described above is transmitted to a back processing device, for example, a terminal device installed in a rear executive seat, using command information created by the teller's input operation from the keyboard. Ru. Then, transaction information regarding the withdrawal is displayed on the display device 26, which is a terminal device in the rear office, and the administrator inspects the transaction. At the time of inspection, the officer uses the inspection input means provided in the display device 126 to perform inspection-style input operations if the transaction information qualifies for a certain transaction. After the inspection, the censored information is returned to the counter processing device 20 by the censor input operation. When the administrator finishes inspecting the transaction in this manner, a censored flag is further set to 1 for the transaction information in the disk device 125, for example.

After that, transaction information will be processed at the counter! The transaction information is transmitted from I station 20 to a central computer such as a weighing center via a communication line, and the central computer i performs transaction processing based on this transaction information, that is, withdrawal processing from the customer's account. The processing results are sent back to the counter processing device 20. When the counter processing device 20 confirms the processing results returned from the central computer, the processing results, such as information such as the withdrawal amount and account balance, are printed out from the printer device 124. The output from this printer W114 serves as a copy for use by the customer. Then, the teller hands cash equivalent to the withdrawal amount along with the usage receipt to the customer waiting at the counter. At this point, the transaction processing for the customer is completed.

[Effects of the Invention] As explained above, according to the present invention, since the customer inputs transaction information directly from the terminal,
In the process of processing within the counter, there is no need to pass around slips or input slip information as in the past. Therefore, it becomes possible to improve the efficiency of banking operations at an even higher level.

[Brief explanation of drawings]

FIG. 1 is a block diagram showing an example of a bank counter transaction system according to the present invention, and FIG. 2 is a block diagram showing an example of a conventional system related to transactions within a bank. 1...Counter 2...Internal line 10...Customer terminal device 11...Input device 12...Display device 13...ll111II device 20...Counter processing non-device 21...Control rn device 22...keyboard device 23...display device 24...printer device 25...disk f device

Claims (1)

[Scope of Claims] A customer terminal device through which a customer inputs information regarding bank transactions; a counter processing device that transmits information to and from the customer terminal device; and a counter processing device that stores transaction information processed by the counter processing device. Information storage means, and a back-processing device that displays transaction information stored in the information storage means and performs inspection operations on transactions corresponding to the transaction information, and processes input transactions from customer terminal devices received at the counter processing device. A bank counter transaction system characterized in that bank transactions are processed by a counter processing device and a back processing device based on information.