KR101787145B1 - Teller supporting counter reception system and counter processing method - Google Patents

Abstract

Provide a support system for bank teller support that can efficiently support customers and reduce the burden on financial institutions on payment of taxes, utility bills, and other various fees.
The sales store system includes a front desk terminal for a banker connected to a store server and a counter reception terminal having a customer terminal, and a reader of a cash payment medium and a self scanner are installed between the front terminal and the customer terminal And displays the office procedure support screen on the front terminal for the banker and generates agenda processing data by adding information on the office procedure including the information of the transaction related documents read out from the reader and the scanner and the fee, A function of displaying the agendum processing data on the screen, a function of accepting revision of the agendous processing data displayed on the front terminal, a process of transmitting the aging process data to a higher-level information processing device, And a transmission function for executing processing of FIG.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a banking support system,

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a bank-office-support-type window accepting system and a window-processing method, and more particularly, The present invention relates to a processing method of a bank note support system for bank note support, which is supported by a banker.

In the case of payment of taxes, utility bills, or other charges, the financial institution may make a transfer using the transfer request form specified by the recipient, and the transfer receipt of the financial institution may be stamped on the transfer request form as a payment document . In addition, with regard to the deposit, payment, and transfer request documents, the procedures without the slip have been spread by the Internet banking and the spread of the ATM. In particular, the corporate customers tend to keep the slip as evidence documents of the procedure, There is a lot of work to carry out a transaction by taking the slip to the counter.

However, when the financial institution is crowded, the customer who has been requested by the banker may wait for a long time at the window. In addition, in financial institutions, it is impossible for each banker to be familiar with the transfer work related to various fields such as taxes and various charges, and automation and rationalization of these tasks are necessary.

From this background, treatment method which improves window service has been developed about payment of tax and utility charges and payment of various rates.

For example, Japanese Patent Application Laid-Open No. H09-226858 discloses a system that includes a request sheet accepting means for accepting a request for a transfer request made by a customer, an execution permission determining means for automatically determining permission / prohibition of transfer execution in accordance with the transfer request sheet, Discloses a transfer request processing apparatus using an image ATM, which is provided with transfer execution instruction means for outputting an instruction to execute transfer processing to the remittee account. In the execution allowance judgment, the transfer request sheet is judged to be valid when both data are matched by the matching process of the image data of the transfer request sheet read out by the image reading unit and the requestor definition data stored in the request sheet directory in advance.

Also, Patent Document 2 discloses an automatic transaction support system in which an advice on a customer who uses an automatic transaction apparatus can be provided while monitoring the operation status of the automated transaction apparatus to which the bank is assigned, from the terminal. In this automatic transaction support system, a banker can input a proxy transaction of an automated transaction device used by a customer through a terminal.

Patent Document 3 discloses an agent storage system using a pay-easy system in which a scanner unit is installed in an ATM housing, a barcode printed on a transfer table taken by a customer is read, An example of relieving the noise is disclosed.

Japanese Patent Application Laid-Open No. 2003-132398 Japanese Patent Application Laid-Open No. 2010-122844 Japanese Patent Application Laid-Open No. 2011-248417

In this way, in recent financial institution, window service is automated about payment of taxes, public bills and other various charges, and reduction of burden on window operator of the branch of the operation or reduction of customer is planned.

However, in the conventional technology, it can not be said that both customers and financial institutions are still sufficient. For example, in the invention of Patent Document 1, in order to judge whether the inputted transfer information is valid, the image data of the transfer request document read out by the image reading section and the requestor definition data of the database are collated in order, Is performed automatically. However, there is a limitation in recognition accuracy of the image data in the image reading section, errors that are likely to occur due to misrecognition are likely to occur, and there is a problem that the support to the customer is hindered.

In addition, in the invention of Patent Document 2, the banker performs the support of the automated transaction device used by the customer himself, and the input work of the banker of the financial institution branch office is still required, so that the burden on the financial institution as a whole is not sufficient .

In addition, in the invention of Patent Document 3, since the customer operates the ATM alone to use the page system or the like, it becomes a burden to the customer who is not used to the operation. In addition, it is preferable that all the handing-over items not only the page but also all the handing-over items such as the prize transfer request book, etc., are dealt with at the financial institution window.

The present invention solves the above-mentioned problems of the prior art and is applicable not only to the payment of taxes, utility bills, and other various fees (hereinafter referred to as " bills ") but also to the business of depositing, withdrawing, The present invention aims to provide a bank-office support type window reception system and window handling method capable of efficiently supporting customers and reducing the burden on financial institutions.

An example of representative examples of the present invention is as follows. A banknote support type window accepting system of the present invention is a window accepting system for performing various kinds of processing through an automatic transaction device, wherein a sales store system having a plurality of the automatic transaction devices and a store server is connected to a fee system server And the sales shop system is provided with a shop server and at least one teller reception terminal connected to the store server, and the teller reception terminal is connected to at least one of deposit, withdrawal, A front terminal for a banker and a customer terminal connected to each other, and the front terminal and the customer terminal are connected to each other by a reader of a cash payment medium, And a self-scanner, wherein the self-scanner is a self-scanner, Wherein the front terminal receives an input from the customer terminal, creates an office procedure support screen, and displays the office procedure support screen on the front terminal Information on the office procedure including information on the transaction related document and the money payment medium read by the reader of the money payment medium and the self scanner, and information on the commission on the office procedure support screen A function of generating agenda processing data and displaying the agenda processing data; a function of accepting modification by the verification tool of the agenda processing data displayed on the front terminal; and a function of registering the agenda processing data in the database Function and the registered item process data to the upper information processing device And characterized in that it comprises a transmission function that performs a process of calculation based.

According to the present invention, it is possible to reduce the burden on the customers and reduce the office work burden on the bank side by efficiently providing support to the customers at the bank high counter window office.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram of a bank-office-support-type window accepting system according to Embodiment 1 of the present invention. FIG.
2 is a diagram showing an example of arrangement of a terminal or the like in a building of a business office of a financial institution, which is suitable for applying the bank-note-support-type window-receiving system of the present invention.
FIG. 3A is a flow chart showing the operation of the banknote support type window accepting system of the first embodiment.
FIG. 3B is a flowchart of the operation of the bank-note-support-type window accepting system according to the first embodiment.
4 is a diagram showing an example of a display panel standby screen of the customer terminal in the first embodiment.
5 is a diagram showing an example of a display panel waiting screen of the bank-office terminal in the first embodiment.
6A is a diagram showing an example of a " payment source selection " screen displayed on a customer terminal for entry of a transaction content.
6B is a diagram showing an example of a screen in a state in which an entry of a transaction content is made.
7A is a diagram showing an example of a " cash card " set on the customer terminal screen.
7B is a diagram showing an example of a "payment slip" set on the customer terminal screen.
8 is a diagram showing an example of presentation of " identity verification data "
9 is a diagram showing an example of a display of a corresponding procedure on the banker terminal screen.
10 is a diagram showing an example of a display of a commission or the like on the banker terminal screen.
11 is a diagram showing an example of a display for accepting correction such as " contact "
12 is a diagram showing an example of the input result displayed on the customer terminal screen.
13 is a diagram showing an example of an alerts display of " receipt of payment slip, receipt " on the screen of the bank-office terminal.
Fig. 14 is a configuration diagram of a bank-note-support-type window accepting system according to the second embodiment of the present invention.
15A is an operational flow diagram of a bank-office-support-type window accepting system in the "payment of pecuniary gold" according to the second embodiment.
Fig. 15B is an operational flow chart of the bankbook support type window accepting system in the " payment of pawnbroker "
16A is a diagram showing an example of the display of the "passbook" set on the customer terminal screen in the second embodiment.
16B is a diagram showing an example of the display of the "document" set on the customer terminal screen in the second embodiment.
17A is an operation flow diagram of a bank-note-support type window accepting system in "transaction by check processing" in the second embodiment.
17B is an operation flow chart of a bank-note-support type window accepting system in "transaction by check processing" in the second embodiment.

Hereinafter, with reference to the drawings, a bank note support type window accepting system according to the present invention will be described in detail. In addition, there are "payment slip", "slip", etc. that are subject to payment, and in the present invention, these are collectively referred to as "transaction related documents".

(Example 1)

A first embodiment of a bankbook support type window accepting system according to the present invention will be described with reference to FIG. 1 and FIG. In this embodiment, an example in which an individual customer makes a payment of money from an account of a financial institution will be described. In addition, the medium used is a cash card, a gold-plated bill, and identification data. Needless to say, the individual customer can use cash, a bankbook, a bank account, etc. instead of a cash card as a cash payment medium. Here, an office procedure by a cash card will be described as an example. In addition, concerning the documents related to the payment related to the transaction, documents shall cover all the goldsmiths' items, such as barcode marks, and also the goldsmiths other than goldsmiths. In other words, all forms accepted at the counter of the bank, such as prize invitation letters, shall be covered.

First, with reference to FIG. 1 and FIG. 2, an outline of a bankbook support type window accepting system according to the present embodiment will be described. 1 is a configuration diagram of an automated transaction system including a bankbook support type window accepting system of the present embodiment. This bank support system is a part of the automated transaction system of financial institutions. The automatic transaction system is a system in which a central system that manages all the automatic transactions of financial institutions and a business store system that includes a plurality of automated transaction devices are connected via a network and execute various automatic transactions through individual automated transaction devices . The automated transaction system is a system in which a server 201 of a plurality of business shops 200 (200A to 200N) is connected to a host system 100 (center system) A sales store system equipped with an automatic transaction device is established and various financial services can be provided to a customer using the financial institution.

The host system 100 is connected to the shop server 201 of each business shop 200 through the HUB server and manages all the information in the financial institution in an integrated manner. The host system 100 includes a server such as an automatic transaction management server 111, a shop management server 112, a customer management server 120, a fee system server 130 and a calculation system host 140, A customer management database 150 for collectively managing customer information, a fee database 160, and the like.

The store server 201 is connected to an information processing device such as a server in each store to constitute a sales store system. The store server 201 includes an in-store terminal management function 2011 for managing each device, a store communication control system 2012, A customer management database 2013, and the like. At the shop server 201, a counter rear trading terminal 203, a high counter 204, an ATM corner 209, and at least one counter reception terminal (interactive counter terminal) 210 as a counter transaction terminal are connected have. The counter transaction (high counter) terminal 204 includes an item data processing / registration function 2041, an authentication data processing function 2042, an automatic fee calculation function 2043, a communication function 2044, an item management database 2045, And the like. The arrangement and configuration of each server are not limited to this example.

The counter reception terminal 210 is an interactive terminal for supporting the processing of the bank high counter window related to the transaction and includes a bank terminal (front terminal) 211 connected to each other and a plurality of customer terminals 212A and 212B And a single bank-office terminal 211 is configured to be able to correspond to a plurality of customer terminals. Therefore, the banker in charge of the front terminal 211 monitors the operation status of each terminal for the customer assigned to the front terminal on the display panel, and provides the appropriate service to the customer using the bank-office-support-type window reception system .

The front terminal 211 of the window reception terminal 210 includes a touch panel type display panel 2111 having a GUI function and serving as an input and output means, a user authentication scanner 2112, a control unit 2113, and the like . The control unit 2113 includes an agenda data processing function 2114, a user cooperation processing function 2115, a communication function 2116, and the like. The front terminal 211 or another terminal in the shop also has a database (not shown) for providing information that the banker wants to refer to regarding the payment of the bills.

The customer terminals 212 (A and B) of the window reception terminal 210 each have a touch panel type display panel 2121 (A and B) having a GUI function and functioning as input / output means and a control unit . A card reader 2122 and a self scanner 2123 are provided between the front terminal 211 and each terminal 212 for the customer. The card reader 2122 can provide various kinds of information through an ID card (personal authentication card) provided by a financial institution to a customer. This ID card stores various pieces of information such as a customer's personal information (password (identification number), biometric information (finger vein information), financial institution code, customer's account number, name, etc.) in the IC chip as electric signals The automatic transaction device such as the card reader 2122 or the cash dispenser (ATM) 209 which performs the withdrawal or the entry of the cash is executed by the automatic transaction management server 111 of the host system 100, The transaction screen displayed on the display panel 2121 of the customer terminal 212 is generated by the automatic transaction management server 111 and is inputted from the transaction screen to input various operations of the customer .

Various programs and image data are transmitted to the window reception terminal 210 in order to realize the above functions of the front terminal 211 and the customer terminals 212 (A, B) of the window reception terminal 210, (Not shown).

Fig. 2 shows a layout in a building of a business office 200 of a financial institution suitable for applying the present invention, and an arrangement example of each terminal and the like. The terminal devices of the respective business shops include a store server 201, a hatch back transaction terminal 203, a high counter 204, at least one counter reception terminal 210, and the like. There is an ATM corner 209 in the building 230 of the business store 200 and in front of the entrance 231. On the right side of the inside of the entrance, there are a store server 201 for managing various information in the store, a counter rear transaction terminal 203 for performing a counter transaction, and a counter transaction (high counter) A terminal 204, a consultation table terminal 205 for responding to various kinds of consultations of customers, a consultation table terminal 205 for a banker to invite a customer to consult, and an information table terminal 206 for providing various kinds of information to a customer. Inside the interior of the room, there is a consulting booth 207 that responds to various customer consultations. On the inner left side of the entrance, there are a reception terminal 208 and a window reception terminal 210 for managing entrance and exit of a customer's store.

In the following description, only the portion directly related to the bank-office-support-type window accepting system, which is a feature of the present invention, among the automated transaction systems of financial institutions will be described, and the other portions of the automated transaction system will be described in Patent Document 2 And the detailed description thereof will be omitted.

The window accepting terminal 210, which is the center of the bank accepting window accepting system, is a terminal for supporting the processing of the bank high counter window regarding deposit, withdrawal, deposit, and transfer. In this embodiment, in the handling of the bank high counter window, the automated transaction business relating to the payment of taxes, utility bills, and other various fees (artifacts) is taken as an example. . However, the above example is inconvenient when the visiting customer for the purpose of paying the pecuniary credit, for example, carries out transactions such as private deposit / withdrawal, payment, etc., in a different terminal. Therefore, the window reception terminal 210 of the present embodiment can deal with tasks other than the payment service for these pockets. In other words, even if the customer who has come to the store because of the payment of the goldsmith money does not move to another terminal, the transaction work required for the customer can be substantially processed.

In the case of this embodiment, since the window accepting terminal 210 is specialized in the automatic transaction work concerning the payment of the gold, the banker responsible for the front terminal is preferably a person who is familiar with the payment of the gold.

In the customer terminal 212, the card reader 2122 is a reader of a payment medium having a function of reading and conveying a payment medium. The reader of the payment medium has a function of acquiring and returning the inserted cash card and an information reading function of reading the customer information such as the financial institution code, the account number of the customer, and the name stored in the cash card. In other words, the customer information is supplied to the shop server 201 through the item data processing function 2114 by making the transaction by the cash card via the card reader 2122. In addition, authentication by the customer's password is performed, and the seal check work by the banker is cut.

In the present invention, scanning is performed by automatic return of the payment slip from the terminal 212 of the payment slip to the front terminal 211 on the premise that the transaction related document to the self scanner 2123 by the guest himself / herself, And returns it to the banker. In the front terminal 211, the bank employee receives the payment slip. In the meantime, electronic data such as a character code string is automatically generated from the image of the payment book together with the form of the character by recognizing characters, numbers, symbols, marks, etc. by an optical character reader (OCR) 2111. That is, the self scanner 2123 has a carrying function for acquiring and sending the inserted payment slip, a barcode reader for reading the barcode printed on the payment slip, an OCR function for recognizing the tabular format of the letter or payment slip, (Printing) function. In addition, the self scanner 2123 has a database that has a function of determining which office procedure is appropriate according to the result of the reading and information about the office procedure necessary for performing the determination. The barcode reader, the OCR, and the like acquire various information including the issuer information of the payment slip, the payment amount information, the payment time limit, and the like. In other words, the recognition processing such as OCR on the image data extracts and generates only the items necessary for the processing of the payment work of the pore money and only the value thereof, holds these data in the storage means such as the buffer, And supplies the data to the agenda data processing function 2114 of the front terminal 211.

The window reception terminal 210 is provided with a database that has a function of determining the type of a payment slip, which is a transaction related document, and determining whether or not it is necessary to support the banking service provider and information necessary for performing the determination. For example, a payment book with a pay-easy mark often recognizes these codes and marks so that payment and payment based on these data can be automatically performed. With respect to the payment slip of such a case, the banker's support of the front terminal 211 is unnecessary.

The data processing function 2114 processes these data obtained through the card reader 2122 and the self scanner 2123 for each payment slip determined as a support object of the banker so that the touch panel type display panel 2121 (Here, a payment book input screen). The agenda data processing function 2114 combines image data and electronic data of a transaction related document read by the self scanner 2123 and automatically generates electronic data such as a document together with the format thereof, . That is, the form of the payment slip, the character information and the code information therein are displayed on the input screen together with the information selected / inputted by the customer.

For each transaction related document (payment slip) determined to be a support target, the bank banker verifies the information of the OCR recognized character code string read from the self scanner with the in-kind of the automatic payment slip. In addition, when there is little information for fixing the amount of money, for example, a barcode-free document, the amount of money is confirmed by carrying out a validation by the banker. In this way, the data generated in the payment slip input screen is also displayed on the customer's screen, and if there is a correction, it is accepted. With respect to the payment slip, an interactive input process including a VeriPattagan in contrast to such a spot is carried out to suppress the occurrence of "error" thereafter. When the customer's confirmation is obtained, "agenda processing data" is registered in the storage means such as the agenda management database 2045 of the high counter 204, and this "agenda processing data" And the processing procedure of the payment slip is executed based thereon.

The front terminal 211 reads the bar code of the payment slip from the bar code reader and generates the "transaction processing data". Then, based on the "transaction processing data", the front terminal 211 acquires the payment amount from the customer 1, And has a function of issuing records to the customer 1 and generating storage completion information. The report is sent to the customer 1 via the self scanner 2123.

The information processing device such as a terminal or server in the upper part acquires and stores the storage completion information and performs settlement processing corresponding to "agenda processing data" at the settlement date determined for each delivery table issuer.

Hereinafter, with reference to FIG. 3 (FIG. 3A and FIG. 3B) to FIG. 14, the banknote support type window accepting system of the first embodiment will be described in more detail. 3 is a flowchart showing the operation of the bank-stock support type window accepting system according to the first embodiment.

First, the idle screen is displayed on the customer terminals 212A and 212B (S401 and S421), respectively. Fig. 4 shows an example of an idle screen of the touch panel type display panel 2121 of the terminals 212A and 212B. From this screen, the customer 1 selects the type of transaction displayed on the idle screen (S402).

In the following, an example in which the customer 1 performs the "tax / various fee payment" using the banker's support window accepting system will be described in the terminal 212A (S403). On the other hand, on the touch panel type display panel 2111 of the bank-office terminal 211, the states of the customers 1 and 2 are displayed on the idle screen as shown in FIG. 5 (S431 and S432). That is, the terminal 212 and the front terminal 211 are processed in cooperation with the user cooperation processing function 2115, and necessary displays are made on each display screen.

The customer 1 makes an entry of transaction contents (S404). 6A to 6B show an example of a screen of " payment source selection " of the terminal 212 for entry of transaction contents. Here, first, a cash (cash card) is selected from the screen of Fig. 6A, and the payment amount and the account number of the payment source are inputted from the following screen (not shown) An entry of a transaction content such as a bar is made. In this example, as transaction contents, it is made from one account of A bank to perform one transfer, cash payment, and cash withdrawal, respectively. The customer (1) need not fill in the delivery slip for the entry.

When the bank-office terminal 211 receives an entry of the transaction details of the customer 1 (YES in S433), the bank-note terminal transits to the payment slip input screen, displays the screen of the customer 1 on the entire screen, The screen is displayed behind (S434). In this payment instruction input screen, the input state of the customer 1 is displayed. Next, the display of the " cash card " set shown in Fig. 7A is displayed on the screen of the terminal 212A (S405). The information of the cash card is read out from the card reader and sent to the bank-office terminal 211, and the cash card itself is also returned to the bank-office terminal 211. 7B is displayed on the screen 2111 of the terminal 212A (S406). The balance of the amount of transaction is also displayed on the screen 2111 of the terminal 212A (S407). When the customer 1 sets the payment slip at a predetermined position, the information of the payment slip is read out from the self-scanner and sent to the bank-office terminal 211, and the payment slip itself is also returned to the bank-office terminal 211.

8 is displayed on the screen of the customer 1 (S408). On the screen of the bank-office terminal 211, a message " Receipt of data " is displayed (S435). The banker who has directly received the "identity verification data" from the customer 1 reads the "identity verification data" from the scanner (S436) and automatically creates the "identity verification record" (S437). At this time, on the screen of the bank-office terminal 211, the corresponding procedure of the bank employee as shown in Fig. 9 is displayed. Also, an alight is displayed so as to perform a verify input. According to this procedure, the bank cardholder receives the license or resident card directly from the customer, and images the information with the scanner 2112 for authenticating the user of the front terminal 211. The electronic data of the identity verification record is automatically created by the electronic data processing function 2114. In other words, it is possible to realize automatic registration of the identification card with the driver's license or resident's card, so that it is possible to reduce the office work burden on the bank. In addition, the commission can be made by electronic voting.

In addition, on the screen of the bankhouse terminal 211, an alight is displayed so as to perform a verify input as shown in Fig. Therefore, the banker verifies the error or the unrecognizable item with respect to the information obtained by digitizing the character, number, etc. in the OCR read from the scanner (S438). The banker performs input operations such as correction, verification, and the like on the document data on the display panel 2111, bar codes, page marks, and the like. In other words, the banker shall correct these items with correct data, based on the description of the item in the payment slip, if there is any amount, time limit, or transfer destination / place of payment that could not be accurately recognized in the OCR.

In many cases, a payment book with a bar code or a Pay-easy mark can automatically make payment or payment based on these data by recognizing these codes or marks. The banker terminal 211 indicates such an item as to an item that enables the banker to automate the process without being involved in the processing of the bills or other operations. Accordingly, the banker does not substantially engage in such an agenda and alleviates the burden on the banker.

These series of operations are repeated until input is completed (S439).

When input is completed, we return "person identification document" directly to customer (1).

On the other hand, in the bank-office terminal 211, the fee is automatically calculated based on the input and corrected data (S440). As shown in Fig. 10, on the screen 2111 of the bank-office terminal 211, the balance of the transaction amount is displayed in addition to the commission, the due date, etc. Therefore, the banker judges from the items displayed on the screen, (1), it may be possible to confirm the items directly, if necessary. In the meantime, on the screen of the customer 1, a " standby screen at the time of processing " is displayed indicating that the process is being performed (S412). As an example of the " idle screen at the time of processing ", it is also possible to display a screen for accepting correction such as " contact "

With respect to the payment slip, by performing the interactive input processing including such a verify target, the number of processes that may become " error " thereafter can be greatly reduced.

12 is displayed on the screen of the customer 1 (S441), and the customer 1 is requested to confirm the contents of the transaction (S410). When the customer 1 presses the confirmation button (YES in S411), the "transaction processing data" is determined and registered in the database, and the transaction based on the transaction processing data is executed. In other words, when the customer 1 confirms the transaction content indicated as "transaction processing data", it becomes possible to confirm the storage institution, the due date, the amount, and the like, and to fix the fee / late payment fee of the payment slip. This "agenda processing data" is registered in the agenda management database 2045, and this "agenda processing data" is transmitted to an information processing apparatus such as an upper server and the processing of the calculation system is executed (S442). That is, items corrected and confirmed in the payment slip such as the amount, the due date, or the transfer destination / payment place are sent to the store server 201 via the communication function 2116, and in cooperation with the host system 100, Predetermined processing is performed in each of the information processing apparatuses that are higher in the point or related.

In the meantime, the screen of the customer 1 is displayed as "during the procedure" (S412). When the processing of the calculation system is completed (YES in S443), the banknote terminal 211 alerts the user to "return payment receipt / return receipt" (S444). On the screen of the customer 1, Quot; receipt of receipts, " from the banker (S413). Upon receipt of this, the bank employee stamps the receipt on the payment slip and returns the receipt to the customer directly (S445). In addition, the " receipt of a cash card " is alight displayed on the screen of the customer 1 (S414), and the bank cardholder returns the cash card via the card reader (S446). As a result, the registered transaction is terminated, so that " transaction completed " is displayed on the screen of the customer 1 (S415), and transition is made to the idle screen (S416). Meanwhile, the bank-office terminal 211 also transitions to the idle screen and displays the status of the customer during the transaction (S447).

According to this embodiment, regarding the bank high counter window office work, efficient support is provided to the customer, thereby reducing the burden on the customer and reducing the office work burden on the bank side.

In other words, the individual customer does not need to fill out the delivery slip, but simply performs the simple procedure and operation according to the instruction of the terminal screen. Even if the customer does not have knowledge for payment of the punch money, Can be performed. On the other hand, since the individual customer performs the cash card reading, the reading of the payment slip, the confirmation of contents, and the execution of the procedure, the office workload of the bank clerks is reduced. In addition, based on the OCR recognition result of each payment office, it is possible to reduce the office work burden and the administrative burden by automatically calculating the late payment fee and the handling fee. In particular, with respect to the OCR recognition result, by performing interactive input processing including a verify key, the number of processes that may become " errors " in subsequent steps can be greatly reduced.

Further, according to the present embodiment, OCR recognition and system management are performed in each front desk terminal for each pawn shop, so that it is possible to automatically create a pawn shop front table necessary in the rear (upper) terminal of the front terminal, Reduction of burden can be planned. In addition, individual customers can realize that they do not fill out the slip of the "tax / utility bill payment request form" by utilizing the OCR recognition result of each payment book.

Further, by determining whether or not it is necessary to support the banker for each payment slip, the entire slip can be handled irrespective of the presence or absence of the page. Accordingly, it is systematically possible to notify the banker of the intervention to the banker that the banker has to intervene. Therefore, on the customer side, since it is the page, it is not necessary to judge whether or not to perform the processing by the ATM which can handle the page. Especially in the window, there are many cases in which the page is brought together with the other items, so that it is possible to carry out such a judgment that the system can perform the judgment and notify the banker that the system can not be processed. In this regard, the burden on the customer can be reduced, and the office workload of the bank can be reduced.

(Example 2)

Next, with reference to Figs. 14 to 17B, a second embodiment of the bankbook support type window accepting system according to the present invention will be described. In this embodiment, an example in which a corporation customer pays the punch money from an account will be described. In addition, the media to be used shall be a bankbook, a tax and utility bill payment request form, a refund request form, and a construction tax payment form. In addition, although the bank-office terminal 211 and the customer terminal 212 have a one-to-one relationship, it is needless to say that the bank-office terminal 211 and the customer terminal 212 may have a one-to-one relationship.

14 is a configuration diagram of a bank-office-support-type window accepting system according to the second embodiment. Fig. 15 (Figs. 15A and 15B) is a flowchart of the operation of the bankbook support type window accepting system according to the second embodiment. In the second embodiment, instead of the card reader of the first embodiment, a self-pass holder 2124 having a passbook reading, an automatic conveyance, and a printing function is employed. In addition, the bank-office terminal 211 has a seal check function 2117. As a matter of course, it is a matter of course that the card reader shown in the embodiment 1 is also provided as a money payment medium, and a corporate customer can use a cash card in payment of money. Of course, here, Explain. A description of the same parts as those of the first embodiment with respect to the configuration of the automated teller machine including the bankbook support type window accepting system of this embodiment is omitted.

[Payment of the goldsmith gold]

The corporate customer for the purpose of payment of the pecuniary gold assumes to bring passbook / slip. The display of the "passbook" set as shown in FIG. 16A is displayed on the screen of the terminal 212 (S1405). The information of the passbook is read out to the bankbook terminal 211 and the bankbook is also transferred to the bankbook terminal 211. [ 16B is displayed on the screen 2111 of the terminal 212A (S1406). When the corporate customer sets the slip at a predetermined position, the information of the slip is read out from the self-scanner and sent to the bank-office terminal 211, and the slip itself is also returned to the bank-office terminal 211. The documents with the bar code / page mark can recognize the codes and marks, and can automate the payment based on these data. The window reception terminal 210 has a function of determining the type of the payment slip and determining whether or not it is necessary to support the bank transfer agent.

Next, on the screen of the customer, an indication is made to request the banker to present the " personal identification document, seal " (S1408) to the banker terminal 211 The alerts of " receipt of identity verification data " are displayed (S1435). The banker who has directly received the " identity verification document & seal " from the customer reads the " identity confirmation " from the scanner (S436) and automatically creates the " identity verification record " (S437). At the terminal 211, the bank employee calculates the validity of the OCR-recognized document (S438) and the fee (S440). Fees may be made by electronic signatures. Further, a seal verification is performed (S1440). This seal verification and signature verification are automatically promoted to the bank-office terminal 211 side in cooperation with the host system 100 via the store server 201. [ When the customer 1 presses the confirmation button (YES in S411), the "transaction processing data" is determined and registered in the database, and the transaction based on the transaction processing data is executed. Registers the " agenda processing data " in the database and transmits the agenda processing data to an information processing apparatus such as an upper server and executes processing of the calculation system (S442). When the processing of the calculation system is completed (YES in S443), the banknote terminal 211 alerts the user to "return passbook / receipt" (S1444), and displays a "receipt of receipt" (S1413). Upon receipt of this, the bank employee stamps the receiver on the payment slip and directly returns the slip to the customer (S1445). In addition, the " receipt of passbook " is alight displayed on the customer's screen (S1414), and the passbook is returned via the self bankbook (S446). Quot; transaction completed " on the customer's screen (S415), and transits to the idle screen (S416). On the other hand, the bank-office terminal 211 also transitions to the idle screen and displays the status of the customer during the transaction (S447).

[Processing for withdrawal from an account]

In the above, the processing relating to the pouring of pore gold has been described, but the drawing processing from the account will be described below as another example of the transaction. Here, although an example is shown in which processing is performed using a passbook or a refund bill, it goes without saying that the procedure can be performed by the cash card. It is assumed that the above description is omitted and only the uppermost point is indicated by using the flow and reference numerals shown in Figs. 15A and 15B.

The customer for the purpose of withdrawal of cash assumes to bring passbook / refund claim (slip). In this case as well, the procedure proceeds similarly to the flow shown in Figs. 15A and 15B, but the difference from the pecuniary cash payment is that the " slip " is read by the self scanner, and in the procedure corresponding to S434, Quot ;, and the input state of the customer 1 is displayed. When inputting is completed in the procedure corresponding to S443, "return passbook" is alerted in the procedure corresponding to S1444, and "passbook" is returned in the procedure corresponding to S1446. Here, instead of the above-mentioned " receipt " being passed, the " receipt " is output from the self scanner, and the receipt of the receipt is displayed on the screen of the customer 1 in the order corresponding to S1413 .

[Transfer from account]

Next, a transfer process from an account as another transaction example will be described below. Here, an example is shown in which processing is performed using a passbook, a refund request, and a request for payment, but it goes without saying that the procedure can be performed by the cash card. It is assumed that the above description is omitted and only the uppermost point is indicated by using the flow and reference numerals shown in Figs. 15A and 15B.

The customer who intends to transfer from the account assumes to bring a passbook / refund claim and transfer request document (slip). In this case as well, the procedure progresses similarly to the flow shown in Figs. 15A and 15B, but the difference from the case of the punched gold payment is that the " slip " is read by the self scanner, and in the procedure corresponding to S434, Quot; request screen input screen "), and displays the input state of the customer (1). When the input is completed in the procedure corresponding to S443, the " return passbook & payment receipt form " is alerted displayed in the procedure corresponding to S1444, the passbook is returned, and the payment receipt is received from the bank employee (S1445 and S1446 . At this time, on the screen of the customer 1, the " receipt of the installment receipt receipt " is alight-displayed in the procedure equivalent to S1413.

[Transaction processing by check]

As another example of transaction, check processing will be described below. The description of the above-described contents will be omitted, and only the differences will be described using the flow and reference numerals shown in Figs. 15A and 15B. 17A and 17B are operation flow diagrams of a bank-office-support-type window accepting system in "transaction by check processing".

It is premised that a corporate customer for the purpose of trading by a check brings a check (and a bill).

When the corporate customer sets a check with an entry of a check item at a predetermined position (S1704, S1705), the information of the check is read from the self scanner and sent to the bank-office terminal 211. [ At this time, information on the check (financial institution number, branch number, account number of the issuer, clearing house code, etc.) is displayed on the screen of the bank office terminal 211 (S1734).

Next, on the screen of the customer, an indication is displayed requesting the banker to present the "check, personal identification document, seal" (S1708), and the screen of the banker terminal 211 displays " Quot; is displayed (S1735). The banker who has directly received the check, the identity verification data, and the seal from the customer reads the "identity verification data" from the scanner (S436) and automatically creates the "identity verification record" (S437). At the terminal 211, the bank employee calculates the validity of the OCR-recognized document (S438) and the fee (S440). Fees may be made by electronic signatures. Further, a signature verification and a signature verification are performed (S1740). This seal verification and signature verification are automatically promoted to the bank-office terminal 211 side in cooperation with the host system 100 via the store server 201. [ When the customer 1 presses the confirmation button (YES in S411), the "transaction processing data" is determined and registered in the database, and the transaction based on the transaction processing data is executed. This "agenda processing data" is registered in the database, and this "agenda processing data" is transmitted to an information processing apparatus such as an upper server and processing of the calculation system is executed (S442). Thereafter, on the customer screen, the alerts are displayed on receipt of cash and receipt of the passages (S1713 and S1714), and when the customer receives them, the transaction is completed.

According to this embodiment, regarding the transaction processing including at least one of the deposit, the withdrawal, the deposit, the transfer, etc., by efficiently supporting the customer, it is possible to reduce the burden on the customer, . That is, the corporate customer merely performs a simple procedure according to the instruction of the terminal screen, and can perform the procedure without waiting for a long time without knowledge of various transactions. On the other hand, the customer can reduce the office workload of the banker by reading the passbook, reading the document, confirming the contents, and performing the procedure execution as a self-operation. In addition, based on the OCR recognition result of reading various slips, automatic calculation of delinquent commission and handling fee can be achieved, resulting in robustness of bank clerical work and reduction of office work burden. In addition, since OCR recognition is performed for each pawn shop and system management is performed, it is possible to automatically create a pawn-and-send schedule table at the rear (upper) terminal than the terminal for the banker, thereby reducing office work burden.

In particular, with respect to the OCR recognition result, by performing the interactive input processing including the verify key, the number of processes that may become " error " thereafter can be greatly reduced.

In addition, the barcode / page payment slip can be confirmed by automation, and it is possible to correct and verify the input of the slip by the bari pie tag, and to determine the storage institution, the due date, and the amount of money. You can make an accurate decision.

Further, by automatically reading the image of the identity verification document, it is possible to realize the automatic creation of the identity verification card (electronic data).

In addition, in the seal verification / signature verification, automation of the seal verification and the signature verification can be promoted, thereby reducing the administrative burden on the banker.

Further, by determining whether or not it is necessary to support the banker for each payment slip, it is possible to reduce the burden on the customer and reduce the office work burden on the bank side.

100: Host system
200 (200A ~ 200N): Sales store
201: store server
203: Hatchback transaction terminal
204: Window counter (high counter) terminal
230: Building
231: Entrance
208: Reception terminal
209: ATM corner
210: window reception terminal
211: Terminal for banker (front terminal)
212 (A, B): Customer terminal
2122: Card reader
2123: Self-scanner
300: Network

Claims (15)

1. A window accepting system for providing various financial services through an automatic transaction device for providing financial services, comprising: a sales shop system having a plurality of the automatic transaction devices and a store server, Wherein the sales point system comprises a store server and at least one counter reception terminal connected to the store server,
The window accepting terminal is a terminal for supporting the bank high counter window office processing related to a transaction including at least one of deposit, withdrawal, deposit, and transfer, and has a front terminal for a banker and a customer terminal connected to each other , A reader of a payment medium and a self scanner are installed between the front terminal and the customer terminal,
The self-
A function of reading out a transaction related document set by a customer, a function of carrying out, and a function of determining which office procedure is performed in accordance with the read out result,
The front terminal comprises:
Receives an input from the customer terminal and a result read by the self scanner, determines whether there is a need to support the banker, and generates an office procedure support screen when it is determined that the banker's support is needed, A function of displaying on the front terminal,
Information on the office procedure including information on the transaction related document and the money payment medium read out from the reader of the money payment medium and the self scanner, and information on the fee are added to the office procedure support screen, A function of generating data and displaying the process data,
A function of accepting modification by a verify key for the agenda processing data displayed on the front terminal,
A function of registering the agenda processing data in a database,
And a transmission function for sending the registered item process data to a higher-level information processing apparatus and executing processing of the calculation system. The method according to claim 1,
When the transaction related document is set in the customer terminal, the self scanner extracts and generates items necessary for processing of the office procedure and its value data by recognition processing on the image data, In a storage means such as a buffer, and returns the transaction related document to the front terminal. 3. The method of claim 2,
Wherein the window accepting terminal has a function of displaying on the front terminal a result of the determination as to whether or not it is necessary to support the bank teller. The method of claim 3,
Wherein the front terminal performs an indication for confirming the contents of the agenda processing data on the customer terminal and receives confirmation input from the customer terminal and executes the procedure of the agenda processing data in the upper information processing device A banker support type window receiving system. The method of claim 3,
Wherein the front terminal automatically calculates an overdue fee and a handling fee based on the information of the character code string obtained from the OCR recognition result of the transaction related document. The method of claim 3,
Wherein the front terminal performs a system check for the information of the character code string of the document recognized as OCR for each transaction related document and manages the system. The method according to claim 1,
Wherein the front terminal comprises a personal authentication scanner for reading personal identification information about the customer and automatically generating a personal identification record. The method according to claim 1,
Wherein the money payment medium is a passbook, the reader of the money payment medium is a passbook reader,
If the transaction document is a slip,
When the passbook is set in the customer terminal, the passbook reader automatically reads the passbook,
And when said slip is set in said customer terminal, said self scanner automatically reads said slip. 9. The method of claim 8,
Wherein the front terminal automatically calculates an overdue commission and a handling fee based on the information of the character code string obtained from the OCR recognition result of the slip. 9. The method of claim 8,
The front terminal performs a seal verification of the character code string of the slip recognized as OCR for each slip,
And the system management is performed for each of the slips. 9. The method of claim 8,
Wherein the front terminal displays the balance of the transaction amount of the customer at the front terminal. A bank-office-supported window processing method for providing various financial services through an automated transaction device for providing financial services of a business store,
A sales point system having a plurality of the automatic transaction devices and a store server is connected to a fee system server and a calculation system host via a network,
The sales point system includes a store server and at least one counter reception terminal connected to the store server,
The counter acceptance terminal is a terminal for supporting the bank high counter window office related to a transaction including at least one of deposit, withdrawal, deposit, and transfer, and includes a front terminal for a banker and a customer terminal connected to each other,
A reader of a cash payment medium and a self scanner are installed between the front terminal and the customer terminal,
The self scanner has a function of reading out a transaction related document set by a customer and determining which office procedure is in accordance with the read result,
Inputting transaction details of a customer at the customer terminal and receiving a result read by the self scanner, and determining whether there is a need to support the banker;
Transiting the front terminal for the bankhouse to an office procedure support screen when it is determined that the support of the banker is necessary in accordance with the determining step and displaying the input state of the customer on the office procedure support screen,
Information on the office procedure including information on the transaction related document and the money payment medium read out from the reader of the money payment medium and the self scanner, and information on the fee, to generate agenda processing data, Displaying the processing data on the office procedure support screen,
A step of accepting correction by a verify key for the agenda processing data displayed on the front terminal,
Registering the agenda processing data in a database, and
Sending the registered item process data to the higher-level information processing device, and executing the process of the calculation system
The method comprising the steps of: 13. The method of claim 12,
Wherein the processing procedure of the banker relating to the transaction related document is displayed on the office procedure support screen of the front terminal for the banker. 13. The method of claim 12,
The self-scanner automatically reads the transaction related document and returns the transaction related document to the front terminal when the transaction related document is set in the customer terminal. Method of processing. 15. The method of claim 14,
And displays the result of the determination as to whether or not there is a need to support the banker on the front terminal.

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