KR20130084645A - Teller supporting counter reception system and counter processing method - Google Patents
Teller supporting counter reception system and counter processing method Download PDFInfo
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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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Abstract
Description
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,
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,
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
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
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
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
The
The
The
The
The customer terminals 212 (A, B) of the
In order to realize the above functions of the
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
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
In addition, in the case of this example, since the
In the
Further, in the present invention, the scanning is performed by an automatic return from the terminal 212 to the
The
For each payment notice determined to be supported by a bank clerk, the agenda
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
In addition, the
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
In the following, an example in which the
The
When the
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
In addition, on the screen of the
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
These series of operations are repeated until input is completed (S439).
When the input is completed, the "person identification data" is returned to the
On the other hand, in the
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
In the meantime, the display of the
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
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-
[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
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
[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
[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
[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
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
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)
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.
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 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 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.
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 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.
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 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.
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.
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.
The front desk terminal, the bank clerk support type window reception system characterized by displaying the balance of the transaction amount of the customer.
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 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.
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.
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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| JPJP-P-2012-007414 | 2012-01-17 | ||
| JP2012007414A JP5953048B2 (en) | 2012-01-17 | 2012-01-17 | Clerk support type window reception system and window processing method |
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| KR1020150131912A Division KR20150112914A (en) | 2012-01-17 | 2015-09-17 | Teller supporting counter reception system and counter processing method |
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| KR101787145B1 KR101787145B1 (en) | 2017-10-18 |
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| JP6072736B2 (en) * | 2014-07-18 | 2017-02-01 | 高知信用金庫 | Personal authentication system and transaction method in window transaction of financial institution |
| JP6540369B2 (en) * | 2015-08-24 | 2019-07-10 | 沖電気工業株式会社 | Information processing apparatus and program |
| JP2019023780A (en) * | 2017-07-23 | 2019-02-14 | 株式会社ＳｍａｒｔＨＲ | Year-end adjustment auxiliary system |
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| CN114724308A (en) * | 2022-04-14 | 2022-07-08 | 中国工商银行股份有限公司 | Self-service bank article getting method, server, client and system |
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| JP2008234310A (en) * | 2007-03-20 | 2008-10-02 | Oki Electric Ind Co Ltd | Automatic transaction system, automatic transaction device, progress circumstance management device, automatic transaction method, and progress circumstance management method |
| JP5104167B2 (en) * | 2007-09-27 | 2012-12-19 | 沖電気工業株式会社 | Window business processing system |
| JP5250396B2 (en) * | 2008-11-19 | 2013-07-31 | 株式会社日立製作所 | Automated trading system |
| JP2010250454A (en) * | 2009-04-14 | 2010-11-04 | Hitachi Ltd | Terminal operation support method in operation branch system |
| CN101650854A (en) * | 2009-07-09 | 2010-02-17 | 广州广电运通金融电子股份有限公司 | Remote interactive self-service bank system |
| JP5830227B2 (en) * | 2010-05-24 | 2015-12-09 | エヌ・シー・アール・コーポレイションＮｃｒ Ｃｏｒｐｏｒａｔｉｏｎ | Proxy storage system and proxy storage method |
-
2012
- 2012-01-17 JP JP2012007414A patent/JP5953048B2/en active Active
-
2013
- 2013-01-17 CN CN201310018007.1A patent/CN103208155B/en not_active Expired - Fee Related
- 2013-01-17 KR KR1020130005592A patent/KR101787145B1/en active IP Right Grant
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2015
- 2015-09-17 KR KR1020150131912A patent/KR20150112914A/en not_active Application Discontinuation
Also Published As
| Publication number | Publication date |
|---|---|
| JP5953048B2 (en) | 2016-07-13 |
| KR20150112914A (en) | 2015-10-07 |
| JP2013148978A (en) | 2013-08-01 |
| KR101787145B1 (en) | 2017-10-18 |
| CN103208155B (en) | 2016-04-06 |
| CN103208155A (en) | 2013-07-17 |
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