KR20130084645A - Teller supporting counter reception system and counter processing method - Google Patents

Teller supporting counter reception system and counter processing method Download PDF

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KR20130084645A
KR20130084645A KR20130005592A KR20130005592A KR20130084645A KR 20130084645 A KR20130084645 A KR 20130084645A KR 20130005592 A KR20130005592 A KR 20130005592A KR 20130005592 A KR20130005592 A KR 20130005592A KR 20130084645 A KR20130084645 A KR 20130084645A
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terminal
customer
transaction
processing
bank clerk
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KR20130005592A
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KR101787145B1 (en
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쇼헤이 야마가따
즈구미찌 오와끼
리끼야 다지리
다께시 시라이
다이스께 하야시
도시유끼 즈쯔이
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가부시키가이샤 히타치세이사쿠쇼
가부시키가이샤 히타치 솔루션즈
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Abstract

PURPOSE: A counter reception system and a counter processing method are provided to reduce the burden of a client and the clerical burden of a bank. CONSTITUTION: A sales store system (200A) is equipped with a counter reception terminal (210) connected to a store server (201) and having a teller front terminal (211) and a client terminal (212) connected to each other. A payment medium reader (2122) and a self-scanner (2123) are installed between the front terminal and the client terminal. A clerical procedure support screen is displayed on the teller front terminal. Issue-processing data is generated by adding clerical procedure information, containing information about transaction-related documents read from the reader and scanner, and fee information. [Reference numerals] (100) Host system; (111) Automatic transaction management server; (112) Store management server; (120) Client management server; (130) Charge system; (140) Tally clerk host; (150) Client management DB; (160) Charge DB; (201) Store server; (2011) Terminal management function in a store; (2012) Store communication management system; (2013) Client management DB; (203) Store rear transaction terminal; (204) Store high counter; (2041) Agenda data processing and registering function; (2042) Authentication data processing function; (2043) Automatic charge calculation function; (2044) Communication function; (2045) Agenda management DB; (211) Front terminal; (2111,2121) Display unit (touch panel); (2112) Scanner for user authentication record; (2113) Control unit; (2114) Agenda data processing function; (2115) User alliance processing function; (2116) Communication function; (2122) Card reader; (2123) Self-scanner; (212A) Client terminal A; (212B) Client terminal B

Description

Bank clerk support type counter reception system and handling method {TELLER SUPPORTING COUNTER RECEPTION SYSTEM AND COUNTER PROCESSING METHOD}

TECHNICAL FIELD The present invention relates to a bank clerk support type window reception system and a window processing method, and in particular, the reception of a deposit, a withdrawal, a pore payment, a payment request, etc. in a store of a financial institution is carried out by a customer main body. It relates to the processing method of the bank clerk support type window reception system supported by a bank clerk.

In payment of taxes, utilities, and other charges, payment may be made at a financial institution using a payment request form specified by the addressee, and the payment of the recipient of the financial institution may be used as proof of payment. . In addition, although deposits, payments, and payment requests have been disseminated without slips through internet banking or ATMs, in particular, corporate customers tend to process these slips and store them as evidence of the procedure. Many people take slips at the counters and conduct transactions.

However, in the case of congestion of financial institutions, the customer who requested a bank clerk may wait for a long time at the window. In addition, in financial institutions, it is not necessary for each bank employee to be familiar with payment tasks related to various fields such as taxes and various charges, and automation and rationalization of these tasks is necessary.

From this background, the processing method which improved the window service about payment of tax, utility bill, and payment of various charges is also developed.

For example, Patent Literature 1 includes a request form accepting means for accepting a request for payment requested by a customer, execution enablement determining means for automatically determining whether to permit or prohibit payment execution according to the request for payment, and a permission decision when the request is made. In the following, there is disclosed a payment request processing apparatus using an image ATM including a payment execution instruction means for outputting an execution instruction for payment processing to a recipient account. In the execution decision, when the data is matched by matching processing between the image data of the payment request book read out by the image reading unit and the request definition data stored in the request directory, it is determined that this payment request is valid.

In addition, Patent Document 2 discloses an automatic transaction support system that allows a bank employee to provide advice appropriate to a customer using an automatic transaction apparatus while monitoring the operation status of an assigned automatic transaction apparatus on a terminal. In this automatic transaction support system, a bank clerk can perform proxy input of the automatic transaction apparatus used by a customer via a terminal.

In addition, Patent Document 3 discloses a scanner unit in an ATM housing in a proxy storage system using a pay-easy system to read a bar code printed on a payment statement taken by a customer, thereby reducing the burden on the customer. An example of alleviation is disclosed.

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

Thus, in recent financial institutions, the window service is automated also regarding payment of taxes, utilities, and other various charges, thereby reducing the operation of the customer or the burden of the person in charge of the branch.

However, in the related art, it cannot be said that it is still sufficient for both the customer and the financial institution. For example, in the invention of Patent Literature 1, in order to determine whether the inputted payment information is valid, the image data of the payment request document read out by the image reading unit and the request definition data of the database are sequentially compared, and the execution decision is made. The automatic judgment of is performed. However, there is a problem in that the accuracy of recognition of image data in the image reading unit is limited, and errors associated with misrecognition are likely to occur, which impedes support for customers.

Moreover, in the invention of patent document 2, a bank clerk supports the automatic transaction apparatus used by a customer himself, and the input office work of the bank clerk of a financial institution branch is still necessary, and the burden of burden is not enough for the whole financial institution. .

Further, in the invention of Patent Document 3, since the customer operates the ATM alone and uses a page system or the like, it is a burden on the customer who is not familiar with the operation. In addition, it is preferable that not only the page but also all the pore forms are covered by the form handled at the window of a financial institution, and it is preferable that the forms other than the pore can be handled.

The present invention solves the problems of the prior art, and is not limited to the payment of taxes, utilities, and other various charges (hereinafter, “pore money”), but also for tasks such as depositing, withdrawing, and making payments at bank high counters. In this regard, it is an object of the present invention to provide a bank clerk support type window reception system and a window processing method that can efficiently support customers and reduce the burden on financial institutions.

An example of the typical thing of this invention is as follows. The bank clerk support type window reception system of the present invention is a window reception system that performs various processes via an automatic transaction device, wherein a business store system having a plurality of the automatic transaction devices and a store server intervenes a fee system server and a calculation via a network. The business store system includes a store server and at least one window reception terminal connected to the store server, and the window reception terminal includes at least one of a deposit, withdrawal, a deposit, and a payment. A terminal for supporting a bank high counter window office processing relating to a transaction comprising a front terminal and a customer terminal for bank clerks connected to each other, and between the front terminal and the customer terminal, a reader of a payment medium, And a self-scanner, wherein the self-scanner is a The front terminal receives the input from the customer terminal, generates an office procedure support screen, and displays the same on the front terminal. On the function and the office procedure support screen, information about the office procedure including information on the transaction-related document and the money payment medium read by the reader and self-scanner of the money payment medium, and information about the fee In addition, a function for generating agenda processing data, displaying the agenda processing data, accepting modifications by VeriFi for the agenda processing data displayed on the front terminal, and registering the agenda processing data in a database. Send the function and the registered agenda processing data to the higher level information processing equipment. And characterized in that it comprises a transmission function that performs a process of calculation based.

According to the present invention, the bank high counter window office work can be efficiently carried out to the customer, thereby reducing the burden on the customer and reducing the office burden on the bank side.

1 is a configuration diagram of a bank clerk support type window reception system according to Embodiment 1 of the present invention.
It is a figure which shows the example of arrangement | positioning of the terminal etc. in the building of the business store of a financial institution suitable for applying the bank clerk support type window reception system of this invention.
3A is an operation flowchart of the bank clerk support type window reception system according to the first embodiment.
3B is an operation flowchart of the bank clerk support type window reception system according to the first embodiment.
FIG. 4 is a diagram showing an example of a display panel standby screen of the customer terminal according to the first embodiment.
FIG. 5 is a diagram showing an example of a display panel standby screen of the terminal for bank clerks in the first embodiment.
It is a figure which shows an example of the "selection of a payment source" screen displayed on a customer terminal for entry of transaction details.
6B is a diagram illustrating an example of a screen in which an entry of transaction details is made.
Fig. 7A is a diagram showing an example of a "cache card" set of a customer terminal screen.
Fig. 7B is a diagram showing an example of a "payment book" set of a customer terminal screen.
8 is a diagram showing an example of the presentation of "person identification data" on a customer terminal screen.
9 is a diagram illustrating an example of display of a corresponding procedure on the terminal screen for a banker.
10 is a diagram showing an example of display of fees and the like on the terminal screen for a banker.
FIG. 11 is a diagram illustrating an example of a display that accepts a correction such as a "contact" on a customer terminal screen.
12 is a diagram illustrating an example of an input result displayed on a customer terminal screen.
It is a figure which shows the example of the allot display of "receipt of payment book stub and receipt" of the terminal screen for a bank clerk.
14 is a configuration diagram of a bank clerk support type window reception system according to a second embodiment of the present invention.
FIG. 15A is a flowchart of an operation of a bank clerk support type window reception system in "payment of a small amount of money" according to the second embodiment. FIG.
FIG. 15B is an operation flowchart of the bank clerk support type window reception system in "payment of a small amount of money" of Example 2. FIG.
It is a figure which shows the example of the display of the "bankbook" set of the customer terminal screen in Example 2. FIG.
It is a figure which shows the example of the display of the "slip" set of the customer terminal screen in Example 2. FIG.
17A is an operation flowchart of a banker support type window reception system in the "transaction by check processing" of the second embodiment.
17B is an operation flowchart of the bank clerk support type window reception system in the "transaction by check processing" of Example 2. FIG.

Hereinafter, with reference to the drawings, a bank clerk support type window reception system according to the present invention will be described in detail. In addition, the object of payment includes a "payment notice", a "slip", and in the present invention, these are collectively defined as a "transaction related document".

(Example 1)

A first embodiment of a bank clerk support type window reception system according to the present invention will be described with reference to Figs. In this embodiment, an example is described in which an individual customer pays a fine money from an account of a financial institution. In addition, a use medium is called a cash card, a pore payment book, and a personal identification document. Of course, individual customers may use cash, bank accounts, bank accounts and the like instead of cash cards as a payment medium. Here, office work procedure by the cash card is demonstrated as an example. In addition, regarding payment documents which are transaction-related documents, all the bills such as bar code bills are targeted, and also the bills other than the bills are dealt with. In other words, it applies to all forms received at the bank's counter, such as a priest's payment request form.

First, with reference to FIG. 1, FIG. 2, the outline | summary of the bank clerk support type window acceptance system which concerns on a present Example is demonstrated. 1 is a configuration diagram of an automatic transaction system including a bank clerk support type window reception system according to the present embodiment. This bank clerk support type window reception system forms a part of the automatic trading system of a financial institution. The automatic trading system is a center system that manages the entire automatic trading of financial institutions, and a sales store system having a plurality of automatic trading devices is connected via a network, and various automatic trading is performed through individual automatic trading devices. It is configured to carry out. In the automatic transaction system, the server system 201 of the plurality of business stores 200 (200A to 200N) is connected to the host system 100 (center system) in each business store via a network 300. A sales store system equipped with an automatic trading device is constructed, and various financial services can be provided to a customer who uses this financial institution.

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

The store server 201 is connected to an information processing device such as each server in the store and constitutes a business store system. An in-store terminal management function (2011), a store communication control system (2012), for managing each device, A customer management database 2013 is provided. The store server 201 is connected to a window back trading terminal 203, a high counter 204, an ATM corner 209, and at least one window receiving terminal (interactive window terminal) 210, which are window trading terminals. have. The window transaction (high counter) terminal 204 includes the item data processing / registration function 2041, the authentication data processing function 2042, the fee automatic calculation function 2043, the communication function 2044, and the item management database 2045. Etc. are provided. In addition, arrangement | positioning and a structure of each server are not limited to this example.

The window receiving terminal 210 is an interactive terminal for supporting bank high counter window office work related to a transaction, and is connected to a bank clerk terminal (front terminal) 211 and a plurality of customer terminals 212A and 212B. ), One bank clerk terminal 211 is configured to cope with a plurality of customer terminals. Therefore, the bank clerk in charge of the front terminal 211 can provide an appropriate service to the customer using the bank clerk support type window reception system while monitoring the operation state of each terminal for the customer assigned to the front terminal on the display panel. Can be.

The front terminal 211 of the window reception terminal 210 is provided with the touch panel type display panel 2111 which has a GUI function, and functions as an input / output means, the scanner 2112 for identity verification, the control part 2113, etc. . The control unit 2113 includes an item 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 store also includes a database (not shown) for providing information that the bank clerk wants to refer to regarding the payment of the fine metal.

The customer terminals 212 (A, B) of the window reception terminal 210 each have a GUI function and each have a touch panel display panel 2121 (A, B) and a control unit (not shown) that function as input / output means. ). A card reader 2122 and a self scanner 2123 are provided between the front terminal 211 and each terminal 212 for customers. The card reader 2122 can provide various types of information via an ID card (personal authentication card) provided to the customer by a financial institution. In the IC chip, various information such as personal information (password (identification number), biometric information (finger vein information, etc.), financial institution code, customer account number, name, etc.) of the customer is stored as an electric signal in the IC chip. An automatic transaction apparatus such as a card reader 2122 or a cash advance payment machine (ATM) 209 that withdraws or deposits cash is processed in the automatic transaction management server 111 of the host system 100. For example, the transaction screen displayed on the display panel 2121 of the customer terminal 212 is generated by the automatic transaction management server 111 and inputs various operations of the customer from this transaction screen. Accept.

In order to realize the above functions of the front terminal 211 and the customer terminal 212 (A, B) of the window reception terminal 210 by using a computer, various programs, image data, and the like are the window reception terminal 210. Is stored in a memory device (not shown).

Fig. 2 shows an example of layout and layout of each terminal in a building of a business store 200 of a financial institution suitable for applying the present invention. As terminal equipment of each business store, there is a store server 201, a window back transaction terminal 203, a high counter 204, at least one window reception terminal 210, and the like. Within the building 230 of the business store 200 and in front of the entrance 231 is an ATM corner 209. On the right side inside the entrance, a store server 201 that manages various information in the store, a counter-backward trading terminal 203 for window trading, and a window transaction where a bank clerk performs various services related to a transaction (high counter) There is a terminal 204, a consultation table terminal 205 for responding to various kinds of consultations of a customer, or a bank clerk recommending a consultation to a customer, and an information table terminal 206 for providing various kinds of information to the customer. Moreover, inside the room, there is a consulting booth 207 corresponding to various consultations of a customer. On the inner left side of the entrance, there is a reception terminal 208 or a window reception terminal 210 that manages the store entrance and exit of the customer.

In addition, in the following description, only the part which is directly related to the bank clerk support type window reception system which is the characteristic of this invention among the automatic transaction systems of financial institutions is described, About the structure of the other part of an automatic transaction system, patent document 2 The description regarding the automatic transaction support system of the above is used, and detailed description is omitted.

The window reception terminal 210 which forms the center of the bank clerk support type window reception system is a terminal for supporting the bank high counter window office processing regarding deposit, withdrawal, pore, and payment. In this embodiment, among the bank high counter counter office processing, an automatic transaction business relating to the payment of taxes, utilities, and other various charges (tax payments) is used as an example. An example will be described. However, although the above example is explained, it is inconvenient for a customer who visits for the purpose of paying a pore to make a transaction such as private withdrawal or payment, for example, from another terminal. Therefore, the window reception terminal 210 of this embodiment is able to cope also with tasks other than the payment service of these fines. In other words, even if the customer who came to the store due to the payment of the fine money does not move to another terminal, the transaction business necessary for the customer is substantially processed.

In addition, in the case of this example, since the window reception terminal 210 specializes in the automatic transaction business regarding payment of a small amount of money, it is preferable that the bank clerk in charge of this front terminal is acquainted with the payment of a small amount of money.

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

Further, in the present invention, the scanning is performed by an automatic return from the terminal 212 to the front terminal 211 of the payment slip, assuming a set of transaction related documents to the self-scanner 2123 by the customer himself, in this case, the payment slip. Together with the bank clerk. In the front terminal 211, a bank clerk receives this payment slip. In the meantime, by recognizing letters, numbers, symbols, marks, etc. by an OCR (Optical Character Reader), a camera, etc., electronic data such as a character code string is automatically generated from the image of the payment slip together with its form. 2111). That is, the self-scanner 2123 acquires and returns the inserted payment slip, a barcode reader for reading the barcode printed on the payment slip, an OCR function for recognizing a table form of a letter or payment slip, and printing to the payment slip. (印字) features. In addition, the self-scanner 2123 has a function of determining which office procedure is in accordance with the read result, and a database having information on the office procedure required to perform this determination. The bar code reader, the OCR, and the like acquire various kinds of information including the issuer information of the payment slip, the payment amount information, the payment deadline, and the like. In other words, by processing such as OCR on image data, items necessary for the processing of the fine metal billing operation and data of only those values are extracted and generated, and these data are kept in a storage means such as a buffer, The data is supplied to the item data processing function 2114 of the front terminal 211.

The window reception terminal 210 is provided with a function of determining the type of payment statement that is a transaction related document, determining whether or not it is necessary to support a bank clerk, and a database having information necessary for performing this determination. For example, payment notices with a pay-easy mark can often make payment and payment based on these data automatically by recognizing these codes and marks. For the payment notice of such a case, support of the bank clerk of the front terminal 211 is unnecessary.

For each payment notice determined to be supported by a bank clerk, the agenda data processing function 2114 processes these data obtained via the card reader 2122 or the self-scanner 2123 to display the touch panel display panel 2121. We display as office work procedure support screen (payment note input screen in this case). The agenda data processing function 2114 combines the image data and electronic data of the transaction-related documents read by the self-scanner 2123 and automatically generates electronic data such as a document together with its format, for example, a journal form, and outputs them. Has the function to That is, the form of the payment slip, the character information, the code information, and the like in the form are displayed on the input screen together with the information selected and entered by the customer.

For each transaction-related document (payment book) determined to be a support object, the banker checks the information of the OCR-recognized character code string read by the self-scanner and verifies it with the spot of the payment book that has been automatically returned. In addition, for example, when there is little information for determining the amount of money, such as a book without a bar code, the amount of money is determined by performing a Veri Fi key by a banker. In this way, the data generated on the payment slip input screen is also displayed on the customer's screen and, if corrected, is accepted. Regarding the payment notice, an interactive input process including a VeriFi key in comparison with such a spot is performed to suppress the occurrence of subsequent "errors". When the customer's confirmation is obtained, the data is registered in the storage device such as the item processing data and the item management database 2045 of the high counter 204, and the item processing data is an information processing device such as a higher terminal or a server. Is sent to, and a payment processing procedure is executed based on this.

In addition, the front terminal 211 reads the barcode of the payment notice with a barcode reader, generates "agenda processing data", and acquires a payment amount from the customer 1 based on this "agenda processing data", A seat is issued to the customer 1 and has a function of generating storage completion information. The seat is sent to the customer 1 via the self scanner 2123.

An information processing device such as a higher terminal or a server acquires and stores the received completion information and performs a settlement process corresponding to the "incident processing data" on the settlement date determined for each payment table issuing company.

Hereinafter, with reference to FIG. 3 (FIG. 3A, FIG. 3B) and FIG. 14, the bank clerk support type window acceptance system of Example 1 is demonstrated in more detail. 3 is an operation flowchart of the bank clerk support type window reception system according to the first embodiment.

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

In the following, an example in which the customer 1 executes "tax and various bill payment" in the terminal 212A using the bank clerk support type window reception system is described (S403). On the other hand, on the touch panel display panel 2111 of the bank clerk terminal 211, the statuses of the customers 1 and 2 are displayed on the standby screen as shown in Fig. 5 (S431, S432). That is, the terminal 212 and the front terminal 211 perform processing in cooperation with the user cooperation processing function 2115, and display necessary for each display screen is performed.

The customer 1 enters the transaction contents (S404). 6A to 6B show an example of a screen of "selection of a payment source" of the terminal 212 for entry of transaction contents. Here, first, cash (cash card) is selected from the screen of FIG. 6A, and a payment amount, an account number, etc. of the payment source is input on the screen (not shown) that follows, and the screen shown in FIG. 6B is shown. It is assumed that entry of the transaction contents as described above is made. In this example, as the transaction contents, it is the content of making one payment, a deposit, and a cash withdrawal from one account of A bank. The customer 1 does not have to fill in the payment slip for the entry.

When the bank clerk terminal 211 receives an entry of the transaction contents of the customer 1 (YES in S433), the screen changes to the payment notice input screen, and displays the screen of the customer 1 on all screens, The screen is displayed at the rear (S434). In this payment notice input screen, the input state of the customer 1 is displayed. Next, the display of the "cache card" set shown in FIG. 7A is displayed on the screen of the terminal 212A (S405). The information of the cache card is read by the card reader and sent to the bank clerk terminal 211, and the cache card itself is also returned to the bank clerk terminal 211. The screen 2111 of the terminal 212A is displayed with a set of "payment book" as shown in Fig. 7B (S406). The balance of the transaction amount 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 on the payment slip is read by the self-scanner and sent to the bank clerk terminal 211, and the payment slip itself is also returned to the bank clerk terminal 211.

Next, a display for requesting to present the "person identification data" as shown in FIG. 8 to the bank clerk is displayed on the screen of the customer 1 (S408), and the screen of the terminal for bank clerk 211 is "person identification". The allot of "receipt of data" is displayed (S435). The bank clerk who directly receives the "person identification data" from the customer 1 reads the "person identification data" with a scanner (S436), and the automatic generation of "identity verification record" is performed (S437). At this time, the corresponding procedure of the bank clerk as shown in FIG. 9 is displayed on the screen of the bank clerk terminal 211. In addition, the alert is also displayed to perform verifiy input. According to this procedure, the bank clerk receives a license or a resident card directly from a customer, and reads this information by the scanner 2112 for identity authentication of the front terminal 211. Then, the item data processing function 2114 automatically creates electronic data of the identity verification record. In other words, automatic creation of identity verification record list can be realized with license and resident card, and we can plan reduction of bank clerk office work burden. The fee can also be an electronic ticket.

In addition, on the screen of the bank clerk terminal 211, an allot is displayed so as to perform a verifi input as shown in FIG. Therefore, the bank clerk executes a VeriFi key on an error or unrecognizable matter with respect to the information that is data, such as letters and numbers, in the OCR read by the scanner (S438). The bank clerk performs an input operation such as correction and verification on the document data on the display panel 2111, a barcode, a page mark, and the like. In other words, when there is an amount of money, a deadline, or a payment / payment destination, etc., which the banker could not correctly recognize, OCR corrects these matters with the correct data based on the description of the item in the payment notice.

In addition, payment notices with barcodes or pay-easy marks are often able to automatically make payments and payments based on these data by recognizing these codes and marks. Regarding an item in which a bank employee can automate the process without being involved in VeriFi operation or other processing, the bank employee terminal 211 indicates that the item is such an item. This prevents the banker from actually engaging in such a matter and reduces the burden on the banker.

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

When the input is completed, the "person identification data" is returned to the customer 1 directly.

On the other hand, in the bank clerk terminal 211, the fee is automatically calculated based on the input and corrected data (S440). As shown in Fig. 10, the screen 2111 of the bank clerk terminal 211 also displays a balance of the transaction amount as well as fees and deadlines, so the bank clerk judges from the matter displayed on the screen and clearly thinks that the customer is coming. In the case where there is a matter to be made, the customer 1 can also be directly checked as necessary, and the items described can be corrected. In the meantime, the screen of the customer 1 displays the "processing standby screen" which shows that it is processing (S412). As an example of the "processing standby screen", a screen that accepts a correction such as "contact" as shown in FIG. 11 may be displayed, and if there is a response, the screen may be corrected from time to time.

With respect to the payment notice, by performing an interactive input process including such a VeriFi key, the number of processes that may become an "error" thereafter can be greatly reduced.

The input result as shown in FIG. 12, for example, is displayed on the screen of the customer 1 (S441), and the customer 1 is requested to confirm the transaction contents (S410). When the customer 1 presses the confirmation button (YES in S411), the "event processing data" is confirmed and registered in the database, and the transaction based on the item processing data is executed. In other words, when the transaction content indicated by the "incident processing data" is confirmed by the customer 1, it becomes possible to determine the storage institution, the deadline, the amount of money, etc., and to determine the fee / due 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 information processing apparatuses, such as a higher server, and a process of a calculation system is performed (S442). That is, the matters described in the payment documents, such as the amount of money, the deadline, or the payment destination / payment destination, which are corrected and confirmed, are sent to the store server 201 via the communication function 2116, and cooperate with the host system 100. Predetermined processing is performed in each information processing device that is higher or related to the point.

In the meantime, the display of the procedure 1 is displayed on the screen of the customer 1 (S412). When the processing of the checkout system is completed (YES in S443), the bank teller terminal 211 displays all payment notices and receipts (S444) on the screen of the customer 1 as shown in FIG. And allot the "receipt of payment stub and receipt" from the bank clerk (S413). Upon receiving this, the bank clerk stamps the recipient in the payment slip and returns the stub and receipt directly to the customer (S445). In addition, alloting "receipt of the cash card" is displayed on the screen of the customer 1 (S414), and the bank clerk returns the cash card via the card reader (S446). As a result, since the entered transaction ends, the transaction 1 is displayed on the screen of the customer 1 (S415), and the process transitions to the standby screen (S416). On the other hand, the bank clerk terminal 211 also changes to the standby screen and displays a list of the customers in the transaction (S447).

According to the present embodiment, it is possible to reduce the burden on the customer and reduce the office burden on the bank side by providing efficient support to the customer with respect to bank high counter window office work.

That is, the individual customer does not need to fill in the payment slip, but simply performs the procedure and operation according to the instructions on the terminal screen, and does not wait for a long time without the knowledge for the payment of the metalwork. Can be done. On the other hand, since an individual customer performs a cash card reading, payment statement reading, contents confirmation, and procedure execution by himself, the office worker's burden on these is reduced. In addition, based on the OCR recognition result of each payment slip, the delinquency fee and handling fee can be automatically calculated, thereby reducing the bank accountability and reducing the office burden. In particular, by performing the interactive input process including the VeriFi key with respect to the OCR recognition result, the number of processes that may become an "error" in a subsequent step can be greatly reduced.

Further, according to this embodiment, since the OCR recognition and system management are performed for each pore payment notice in the front terminal, it is possible to automatically create a necessary pore sending list for the terminal at the rear of the front terminal (or higher). We can reduce burden. In addition, the individual customer can realize that he / she does not fill in the slip of the "tax and public bill payment request form" by utilizing the OCR recognition result of each payment notice.

In addition, by determining whether or not it is necessary to support a bank clerk for each payment slip, the entire journal can be handled with or without a page. As a result, the bank employee must intervene to systematically realize that the bank employee is notified of the intervention. Therefore, on the customer side, since this is a page, it is not necessary to judge whether or not to process with an ATM that can handle the page. In particular, there are many cases in which a page and other forms are mixed and brought to the window, so that the judgment can be carried out by the system and the bank can be notified that the system cannot handle it alone. In this regard, the burden on the customer can be reduced, and the office burden on the bank side can be reduced.

(Example 2)

Next, referring to Figs. 14 to 17B, a second embodiment of the bank clerk support type window reception system according to the present invention will be described. In the present embodiment, an example in which a corporate customer pays a pore from an account will be described. In addition, a use medium shall be an account book, a tax and utility bill payment request form, a refund request book, and a fine bill payment book. In addition, although the bank clerk terminal 211 and the customer terminal 212 have a one-to-one relationship, of course, you may have a one-to-plural relationship.

14 is a configuration diagram of a bank clerk support type window reception system according to the second embodiment. 15 (FIG. 15A, 15B) is an operation flowchart of the bank clerk support type window acceptance system of Example 2. FIG. In the second embodiment, instead of the card reader of the first embodiment, a self-bookbook 2124 equipped with a bankbook reading, automatic conveyance, and printing function is employed. The bank clerk terminal 211 is provided with a seal matching function 2117. Of course, as a payment medium, the card reader shown in Example 1 may also be provided, and the corporate customer may also use the cash card for the payment of money. Explain. As to the configuration of the automatic transaction system including the bank clerk support type window reception system according to the present embodiment, the description of the same parts as in the first embodiment will be omitted.

[Payment of taxes]

Corporate customer for the purpose of payment of handicrafts assumes bringing bankbook / slip. On the screen of the terminal 212, a display of the "bankbook" set as shown in Fig. 16A is made (S1405). The bankbook information is read by the self bankbook and sent to the bank clerk terminal 211, and the bankbook is also returned to the bank clerk terminal 211. The screen 2111 of the terminal 212A is displayed with a set of "slips" as shown in FIG. 16B (S1406). When the corporate customer sets the slip at a predetermined position, the information of the slip is read by the self-scanner and sent to the bank clerk terminal 211, and the slip itself is also returned to the bank clerk terminal 211. The voucher with a barcode / page mark can automate payment based on these data by recognizing these codes and marks. The window accepting terminal 210 has a function of determining the type of the payment notice and determining whether or not the bank clerk needs to support it.

Next, on the screen of the customer, a display for requesting to present the "identity verification document / seal" to the bank clerk regarding the case which needs to be supported by the bank clerk is made (S1408), and the screen of the terminal for bank clerk 211 is displayed. The aller of "receipt of identity verification data" is displayed (S1435). The bank clerk who directly receives the "identity verification data and seal" from the customer reads the "identity verification data" with a scanner (S436), and the automatic generation of "identity verification record" is performed (S437). The bank clerk calculates, at the terminal 211, the Veri Fi Tag (S438) and the fee of the slip recognized by the OCR (S440). Fee can be made electronically. In addition, seal matching is performed (S1440). This seal collation and signature collation are automatically promoted to the bank clerk terminal 211 while cooperating with the host system 100 via the store server 201. When the customer 1 presses the confirmation button (YES in S411), the "event processing data" is confirmed and registered in the database, and the transaction based on the item processing data is executed. This "agenda processing data" is registered in the database, and the "agenda processing data" is transmitted to an information processing device such as a higher server, and the processing of the calculation system is executed (S442). When the processing of the checkout system is completed (YES in S443), the bank teller terminal 211 is displayed in an allergy manner on the bank account terminal 211 (S1444). (S1413). Upon receiving this, the banker stamps the recipient in the payment slip and returns the counterfeit directly to the customer (S1445). In addition, alloting " receipt of bank account " "Complete transaction" is displayed on the screen of the customer (S415), and the display transitions to the standby screen (S416). On the other hand, the bank clerk terminal 211 also transitions to the standby screen, and displays a list of the status of customers in the transaction (S447).

[Withdrawal Processing from Account]

In the above, although the process regarding payment of a pore has been demonstrated, the withdrawal process from an account is demonstrated as another transaction example below. Here, an example of processing using an account book and a refund invoice is shown, but needless to say, the procedure can be performed by a cash card. The description above has been omitted, and only the differences will be shown using the flows and symbols described in FIGS. 15A and 15B.

Customer for the purpose of withdrawal of cash assumes bringing bankbook / refund bill (slip). Also in this case, the procedure proceeds in the same manner as the flows shown in Figs. 15A and 15B. However, the procedure differs from that of the payment of the pore. And the input state of the customer 1 is displayed. When the input is completed in the procedure equivalent to S443, all the "book returns" are displayed in the procedure equivalent to S1444, and "passbook" is returned in the procedure corresponding to S1446. Here, instead of the above-mentioned "receipt", the "receipt" is output from the self-scanner, and "receipt of the receipt" is displayed on the screen of the customer 1 in a procedure equivalent to S1413. .

[Payment processing from account]

Next, payment processing from an account will be described below as another transaction example. Here, an example of processing by using a bankbook, a refund invoice, and a payment request is shown, but needless to say, the procedure can be performed by a cash card. The description above has been omitted, and only the differences will be shown using the flows and symbols described in FIGS. 15A and 15B.

Customer for the purpose of payment from account assumes bringing bankbook / refund bill and payment request book (slip). Also in this case, the procedure proceeds in the same manner as the flows shown in Figs. 15A and 15B. However, the procedure differs from the time of the payment of the pore. It is a point which transitions to the request form screen and displays the input state of the customer 1. If the entry is completed in the procedure equivalent to S443, the all-in-one is displayed in the procedure equivalent to S1444, the bankbook is returned, and the bank statement is returned from the bank clerk (equivalent to S1445 and S1446). Procedure). At this time, on the screen of the customer 1, "receipt of the payment receipt" is allotted in the procedure equivalent to S1413.

[Transaction by Check]

In addition, check processing is demonstrated below as another transaction example. The description above will be omitted, and only the differences will be described using the flow and reference signs in the description of FIGS. 15A and 15B. 17A and 17B are operation flow diagrams of the bank clerk support type window reception system in "transaction by check processing".

It is assumed that corporation customer for the purpose of transaction by check brings check (and bill).

When the corporate customer sets the check at a predetermined position together with the entry for the check item (S1704 and S1705), the check information is read by the self-scanner and sent to the bank clerk terminal 211. At this time, information about the check (financial institution number, branch number, issuer's account number, exchange code, clearing number, etc.) is displayed on the screen of the bank clerk terminal 211 (S1734).

Next, a display for requesting to present a "check, identity verification data, seal" to the bank clerk is made on the screen of the customer (S1708), and the "receipt of personal identification data and check" is displayed on the screen of the terminal 211 for the bank clerk. Is displayed (S1735). The bank clerk who directly receives the "check, identity verification data, seal" from the customer reads "person verification data" with a scanner (S436), and the automatic generation of "identity verification record" is performed (S437). The bank clerk calculates, at the terminal 211, the Veri Fi Tag (S438) and the fee of the slip recognized by the OCR (S440). Fee can be made electronically. In addition, seal matching and signature verification are performed (S1740). This seal check and signature check are automatically promoted to the bank clerk terminal 211 while cooperating with the host system 100 via the store server 201. When the customer 1 presses the confirmation button (YES in S411), the "event processing data" is confirmed and registered in the database, and the transaction based on the item processing data is executed. This "agenda item processing data" is registered in a database, and this "agenda item processing data" is transmitted to information processing apparatuses, such as a higher server, and a process of a calculation system is performed (S442). After that, on the customer screen, an alert is displayed regarding receipt of cash and receipt of a cash register (S1713, S1714). When the customer receives them, the transaction is completed.

According to the present embodiment, in the case of transaction processing including at least one of deposit, withdrawal, porosity, and payment, the customer's burden is reduced by providing efficient support to the customer, and the reduction of office burden on the bank side. We can plan. In other words, the corporate customer can simply perform the procedure according to the instructions on the terminal screen, and can reliably complete the procedure without waiting for a long time even without knowledge of various transactions. On the other hand, the customer can reduce the office work burden of a bank clerk by performing bankbook reading, slip reading, contents confirmation, and procedure by self operation. Moreover, the automatic calculation of the delinquency fee and handling fee can be made on the basis of OCR recognition results of various document readings, and the bank clerk's office can be secured and the office burden can be reduced. In addition, OCR recognition is performed for each pore payment notice to manage the system, thereby enabling the automatic creation of a pore sending slip required at a terminal rearward (above) of the terminal for bank clerks, thereby reducing the burden on office work.

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

In addition, the barcode / page payment notice can be determined by automation, and the verification and verification of the entry of the documents by VeriFi key can be performed, and the storage institution, the deadline, and the amount of money can be determined. You can decide exactly.

In addition, by automatically reading the image of the identity verification document, automatic creation of the identity verification record table (electronic data) can be realized.

Also, in seal matching / signature matching, it is possible to promote the automation of seal matching and signature matching to reduce the burden on office workers.

In addition, by determining whether or not it is necessary to support a bank clerk for each payment slip, it is possible to reduce the burden on the customer and to reduce the office burden on the bank side.

100: Host system
200 (200A to 200N): business store
201: store server
203: counter rear trading terminal
204: counter transaction (high counter) terminal
230: building
231: entrance
208: reception terminal
209: ATM corner
210: window reception terminal
211: bank terminal (front terminal)
212 (A, B): customer terminal
2122: card reader
2123: Self Scanner
300: Network

Claims (15)

A window reception system for performing various processes via an automatic transaction apparatus, wherein a sales store system having a plurality of the automatic transaction apparatuses and a store server is connected to a fee system server and a checkout host through a network, and the sales store system Has a store server and at least one window reception terminal connected to the store server,
The window reception terminal is a terminal for supporting a bank high counter window office processing relating to a transaction including at least one of a deposit, withdrawal, a deposit, and a payment, and has a front terminal for a bank clerk and a customer terminal connected to each other. And a reader of a payment medium and a self scanner are provided between the front terminal and the customer terminal, and the self scanner is capable of performing any office procedure in accordance with a function of reading a customer's transaction-related documents, a return function, and a read result. Has the function to determine the authorization,
The front terminal,
A function of receiving an input from the customer terminal, generating an office procedure support screen, and displaying the same on the front terminal;
The affairs processing is added to the office procedure support screen by adding the information related to the office procedure including information of the transaction related document read from the reader and self-scanner of the money payment medium and the money payment medium, and information about the fee. Generate data and display the agenda processing data;
A function of accepting a modification by VeriFi key on the agenda processing data displayed on the front terminal;
Registering the agenda processing data in a database;
And a sending function for sending the registered item processing data to a higher-level information processing device and executing a processing of a calculation system.
The method of claim 1,
When the transaction-related document is set in the customer terminal, the self-scanner extracts and generates data of items and values necessary for the processing of the office procedure by recognition processing for image data, and these data The bank clerk support type window reception system characterized by the above-mentioned.
The method of claim 2,
The said window reception terminal is equipped with the function of discriminating | determining the type of the said office procedure, making a determination whether it is necessary to support a bank clerk, and displaying the result of the determination on the said front terminal. Counter Reception System.
The method of claim 3,
The front terminal performs display for confirming the contents of the item processing data to the customer terminal, receives an input of confirmation from the customer terminal, and executes the processing of the item processing data in the higher level information processing device. Bank clerk support type window reception system characterized by the above-mentioned.
The method of claim 3,
And 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,
The front desk terminal, the bank clerk support type window reception system characterized in that for performing the VeriFi tagging and system management for the information of the character code string of the OCR recognized document for each transaction-related documents.
The method of claim 1,
And the front terminal includes a scanner for identity verification that reads the identity verification data relating to the customer and automatically generates an identity verification record.
The method of claim 1,
The monetary medium is a bankbook, the leader of the monetary medium is a bankbook leader,
The transaction-related document is a slip,
When the bankbook is set in the customer terminal, the bankbook reader reads the bankbook automatically,
And the self-scanner automatically reads the slips when the slips are set in the customer terminal.
9. The method of claim 8,
And 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 slip.
9. The method of claim 8,
In the front terminal, a seal check is performed on the character code string of the slip recognized by the OCR for each slip;
The bank clerk support type window reception system characterized by the system management for each said slip.
9. The method of claim 8,
The front desk terminal, the bank clerk support type window reception system characterized by displaying the balance of the transaction amount of the customer.
As a bank clerk support type window processing method which performs various processes through the automatic transaction apparatus of a business store,
A sales store system having a plurality of said automated trading devices and a store server is connected to a fee system server and a checkout host via a network;
The business store system includes a store server and at least one window reception terminal connected to the store server,
The window reception terminal is a terminal for supporting a bank high counter window office related to a transaction including at least one of deposit, withdrawal, porosity, and payment, and includes a front terminal for a bank clerk and a customer terminal connected to each other.
Between the front terminal and the customer terminal, a reader of a payment medium and a self scanner are provided.
The self-scanner has a function of reading a transaction relationship document of a customer and determining which office procedure according to the read result,
The customer terminal receives the entry of the transaction details of the customer,
Upon receipt of the entry, the front terminal for the bank clerk is shifted to the office procedure support screen, and the input state of the customer is displayed on the office procedure support screen,
The agenda processing data is generated by adding the information about the office procedure including the transaction related document read by the reader of the payment medium and the self-scanner and the information on the payment medium, and the fee information, and the item We display processing data on the office work procedure support screen mentioned above,
Accept the modification by the VeriFi key on the agenda processing data displayed on the front terminal,
Register the agenda processing data in the database,
A bank clerk support type window processing method, wherein the registered item processing data is sent to a higher-level information processing device, and the processing of the calculation system is executed.
The method of claim 12,
The bank clerk support type window processing method characterized by displaying the processing procedure of the said bank clerk regarding the said transaction related document on the said office work procedure support screen of the said front desk terminal for said bank clerk.
The method of claim 12,
When the transaction-related documents are set in the customer terminal, the self-scanner automatically reads the transaction-related documents and returns the transaction-related documents to the front terminal. Mold teller disposal method.
15. The method of claim 14,
A bank clerk support type window processing method characterized by determining the type of the transaction related document, determining whether or not there is a need for support by a bank clerk, and displaying the result of the determination on the front terminal.
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