TW201939410A - Financial service method for collecting bills at e-writing desk capable of simplifying a customer bill collection process to shorten form filling and waiting time of a customer - Google Patents

Abstract

A financial service method for collecting bills at an e-writing desk includes a step of selecting a transaction, a step of recognizing an deposit account, a step of inputting transaction data, a step of transaction storage and printing a serial number, a step of verifying correctness of the number and amount of bills, a step of reading an image of a physical bill, and a step of collecting and recording the bill. Thereby, an electronic form can be established to simplify a customer bill collection process to shorten form filling and waiting time of a customer. In addition, through a bill image recognition and magnetic word reading module, a bill collection image and bill details are automatically generated or a bill collection media is provided, such that the purposes of providing a customer an original image of a bill, inventory tracking, bill recording, automatic reconciliation operation, and fund procurement are achieved.

Description

e Desk financial services for bill collection

The present invention relates to a method for handling financial services of bill collection on an e-desk, and in particular relates to a bill collection service using the e-desk, and particularly refers to a method for simplifying a customer's bill collection operation process by using electronic forms.

When the customer goes to the counter to handle the bill collection business, he needs to manually fill in the relevant bill information one by one in the bill collection sheet, as shown in Figure 5, and then the customer goes to the number picking system to extract the number plate and wait for the teller to call the order in sequence. , And then go to the counter to handle the bill collection business, in addition to taking a long time to fill out the bill collection slip and the waiting time after the number is taken, when filling the content of the summary slip, the customer may also write the wrong bill information due to human negligence, resulting in The difficulty of subsequent reconciliation and retention of payment vouchers, and the inability to accurately grasp the available operating cash flow caused a funding gap. Therefore, ordinary users cannot meet the needs of users in actual use.

The main purpose of the present invention is to overcome the above-mentioned problems encountered in conventional techniques and provide an electronic form that simplifies the customer's bill collection operation process, shortens the customer's order filling and waiting time, and recognizes the bill image and magnetic characters. Module, automatically generate bill collection images and bill details or provide bill collection media, provide customers with original bill images of bill retention, inventory tracking, bill entry, automatic write-off operations and fund dispatch. method. In order to achieve the above purpose, the present invention is a method for e-desk to handle bill collection financial services. The e-desk, which is a semi-self-service service in a financial institution such as a bank, is connected to a bank institution to automatically process the receipt of bills. It includes the following steps: Selecting a business type step: The customer chooses to handle the bill collection service at the e desk; the deposit account identification step: the e desk receives the customer's input of the bank deposit account; the transaction data entry step: the e desk receives the The customer enters the data of the total number of notes and the total face value, and generates transaction data related to the bill collection business; transaction storage and serial number printing steps: The e-writing desk sends a number request corresponding to the transaction information To a smart calling server, the smart calling server generates a number reply including an e desk service number through internal calculations, and temporarily stores the serial number data corresponding to the e desk service number, and responds to the The number request is sent and the number reply is sent to the e-desk for reception processing. The e-desk receives The processing generates transaction service data corresponding to the bill collection business and contains the transaction data and the e-desk service serial number, and transmits the transaction service data to a pre-processing server for storage, and prints out an indication that the e-desk is available The number plate of the service serial number, which is held by the customer and is used as a priority basis in the service order; the correctness of calculating the number of bills and the amount of money steps: the service terminal provided by several bank tellers is installed with a readable The bill collection system for sorting information. When the calling result of the current service serial number of one of the available servers matches the service serial number of the e desk in the smart calling server, it calls the e desk The customer of the serial number of the service serial number handles the related business, and the teller then according to the number of the e-desk service serial number and the physical bill delivered by the customer, reads the serial number of the e-desk service and is automatically imported by the pre-processing server to the customer. The bill collection information entered by the e-writing desk is used by the teller to manually identify the relevant statutory bills manually Whether the items are correct, and the total number of physical bills and total face value of the actual delivery are calculated manually with the total number of bills and total face value of the bill entered by the customer at the e desk; The bill collection system includes a bill image recognition and magnetic word reading module. The teller places the collected physical bills in the receipt box of the bill image recognition and magnetic word reading module. The bill image recognition and magnetic word reading. The module scans the front and back images of the bill and reads the magnetic characters of the bill to generate a bill collection slip containing the bill image, and then according to the customer's instructions, sends the bill collection slip to a receiving address to complete the generation. Bill collection operation. In the above embodiment of the present invention, the e writing desk further includes an interface module, a connection module, a magnetic stripe / chip reader module, a printing module, and a processor. The processor is electrically connected to the processor. The interface module, the connection module, the magnetic stripe / chip card reader module, and the printing module, and control the operation of the printing module. In the above embodiment of the present invention, the interface module of the e-writing desk provides a display touch surface, and the display touch surface is planned to have several touch selection areas corresponding to several different transaction options, and one corresponding to different transaction options. Barcode image area and a touch keyboard area. In the above-mentioned embodiment of the present invention, the processor of the e-desk receives the bank account number entered by the customer. Through the interface module or the magnetic stripe / chip reader module, the customer can manually input the deposit account number, deposit passbook magnetic stripe, and chip. Enter the bank deposit account number in the above-mentioned ways, such as a magnetic card magnetic stripe or a QR code on a mobile device. In the above-mentioned embodiment of the present invention, in the transaction data inputting step, the customer may also input bill collection data on a case-by-case basis. In the above embodiment of the present invention, the transaction information includes or indicates the total number of bills, the total face value, and the bank deposit account number. In the above embodiment of the present invention, the pre-processing server further includes a database. In the above embodiment of the present invention, the bill collection system further includes a counter call number reading module. In the above embodiment of the present invention, the bill image recognition and magnetic word reading module in the physical bill image reading step uses a bill image recognition unit to identify the invoice date and the face value. In the above embodiment of the present invention, the bill image recognition and magnetic character reading module in the physical bill image reading step reads the bill ticket number, payment bank exchange area code, payment bank code, Bill type and invoicer account number. In the above embodiment of the present invention, the recipient address includes at least one email account. In the above embodiment of the present invention, the receiving address includes a printing program, which is used to print the paper collection slip containing the bill image into a paper and send it to the customer. In the above-mentioned embodiment of the present invention, the method further includes a step of collecting bills for one generation of bills, which is to receive a billing notification from the back-end server of the banking institution to perform the write-off. To send a charge-off media data to the customer.

Please refer to "Figures 1 to 4", which are a schematic flow chart of the present invention, a specific architecture diagram of the present invention, a schematic diagram of a financial service procedure of the e-desk for collecting bills in a preferred embodiment of the present invention, and Schematic image of bill collection and bill details of the present invention. As shown in the figure, the present invention is a method for e-desk to handle bill collection financial services, which is an automatic operation of the e-desk using a semi-self-service service in a financial institution such as a bank to connect with a bank institution to process the receipt of bills. Selective business step 11 、 Deposit account identification step 12 、 Transaction data input step 13 、 Transaction storage and serial number printing step 14 、 Calculation of the correctness of the number and amount of bills Step 15 、 Image reading of physical bills 16 、 And step 17 of bill collection operation, and further includes an e-writing table 2 which is a semi-self-service service device located in a banking institution, and includes an interface module 21 and a connection module 22 for connecting a device configured in the The bank's smart calling server 3, a magnetic stripe / chip reader module 23, a printing module 24, and a processor 25 are electrically connected to the interface module 21, the connection module 22, the magnetic Strip / chip reader module 23 and the printing module 24, and control the operation of the printing module 24; a pre-processing server Device 4, which is connected to the connection module 22 of the e-writing table 2 and the smart calling server 3, and is equipped with a database 41; and several server 5 arranged in the banking institution, each of which is connected to the smart calling server The server 3 is connected to the pre-processing server 4 and is installed with a generation bill collection system 51. The bill collection system 51 includes a counter call reading module 511 and a bill image recognition and magnetic word reading module 512. The present invention provides a method for customers to use the e-desk 2 to handle the bill collection business, and the execution instructions of each step with the above components are as follows: Select business type step 11: The customer chooses to handle the bill-collection business at the e-desk 2, of which The e-writing table 2 interface module 21 (for example, a touch interface, but not limited to this) provides a display touch surface (not shown), and the display touch surface is planned to have, for example, several Touch selection area for different transaction options (such as withdrawal, deposit, remittance, transfer, exchange, exchange application, check application, bill collection and other transaction options), a barcode image area corresponding to different transaction options, and a touch keyboard Area. Deposit account identification step 12: The e-desk 2 processor 25 receives the customer's input of the bank deposit account. Through the interface module 21 or the magnetic stripe / chip reader module 23, the customer can manually enter the deposit account and deposit. Passbook magnetic stripe, chip financial card magnetic stripe, or mobile device QRcode to enter bank account number. Step 13 of inputting transaction data: The processor 25 of the e-desk 2 receives the total number of notes and total face value entered by the customer or enters bill collection information on a case-by-case basis, and generates the bill collection business related to the bill collection business accordingly. Transaction information (contains or indicates information on the total number of notes, the total face value and bank account number). Transaction storage and serial number printing step 14: After the input is completed, the processor 25 of the e-writing table 2 sends a number request corresponding to the transaction data to the smart call server 3 via the connection module 22, the smart The calling server 3 generates a number retrieval response including an e desk service serial number through internal calculations, and temporarily stores the serial number data corresponding to the e desk service serial number, and responds to the number retrieval request to respond to the number retrieval Transmitted to the connection module 22 of the e-desk 2 and received and processed by the processor 25, the processor 25 generates transaction service data corresponding to the bill collection service and including the transaction data and the e-desk service serial number, and The transaction service data is transmitted to the preprocessing server 4 through the connection module 22 and stored in the database 41, and at the same time, the processor 25 controls the printing module 24 (for example, a laser printer, inkjet (Printer or dot matrix printer, but not limited to this)) print out a number plate indicating the e-desk service serial number, the number plate The customer holds as a priority basis and in the service order. The correctness of calculating the number and amount of bills Step 15: The service terminals 5 (such as computer terminals, but not limited) provided for use by several bank tellers are read by the counter number of the bill collection system 51 Module 511 reads the sorting information from the smart calling server 3. When the calling result of the current service serial number of one of these servers 5 is consistent with the e-desk service stored by the smart calling server 3. At the time of serial number, it refers to the customer who holds the number plate of the e-desk service serial number to handle related business. The teller then reads the number plate and physical bill delivered by the customer with the e-desk service serial number to read the module 511 at the counter. After reading the e-desk service serial number, the pre-processing server 4 automatically imports the bill collection information entered by the customer in the e-desk 2 for the teller to manually identify whether the relevant legal items of the bill are correct (such as: horizontal Online bills, bills payable, endorsement transfers, etc.), and manually calculate the total number of physical bills and the total face value of the physical bills delivered. The households in the Notes e desk 2 Enter the total number of sheets and the total par value match. Step 16 of reading the physical image of the bill: The teller places the physical receipt collected on the receipt in the receipt box of the image recognition and magnetic reading module 512. The image recognition and magnetic reading module 512 will scan the front and back of the bill Image and read the magnetic characters of the bill, through the receipt image recognition unit 5121 to identify the invoice date and the face value, and a bill magnetic character recognition unit 5122 to read the bill ticket number, payment bank exchange area code, payment bank code, bill type , And the invoicer account number and other information, a bill collection note summary sheet containing the bill image (as shown in Figure 4) is generated, and then according to the customer's instructions, the bill collection note collection sheet is transmitted to a receiving address, Complete bill collection operations. The recipient address may include at least one or more email accounts, and the summary receipt form (PDF type) containing the receipt image is sent to a mail server 6 by email. The mail server 6 is transmitted through the Internet. It is sent to the customer's pre-set (designated) e-mail account on the Internet. The recipient address can also be a printing process, which can be performed by a printing device (such as a laser printer, inkjet printer, or dot matrix). Printing devices such as printers, but not limited to this) Print the bill collection slip containing bill images into a paper and send it to the customer to complete the bill collection business. Receipt of bill collection operation Step 17: Receive a billing notification from the bank server's back-end server to write off the account. After the back-end server performs check-in and write-off, it sends a write-off media data to the mail server. The server 6 or a file server 8 sends to the client via the Internet 7 a notification that the account has been credited, and completes the automatic billing operation. If so, the method disclosed above constitutes a new e-desk for collecting bills financial services. The invention is a set of touch-type electronic writing desk system combined with a bank bill collection system (that is, domestic remittance and bill centralized operation). When in use, it can enable customers to come to the counter to handle bill collection business. The touch screen display of the e-writing desk of the service can help customers to do semi-automatic transaction operations. You only need to enter the total number of bills and the total amount of the bills, instead of manually summing the summons by hand; bank tellers can use the bill collection system. After reading the relevant bill collection information entered by the customer at the e-writing desk, preliminary identification of the statutory items of the bill and calculation of the total number of sheets and total face value entered by the customer are consistent with the actual physical bill delivered, through the bill image recognition and magnetic word reading mode After reading the bill image and the magnetic characters of the bill, the system will automatically choose whether to print the bill collection slip (including the bill image) for the customer to keep for the record, and also send it to the customer's preset (designated by email) at the same time. ) Mailbox to complete bill collection business, so that the present invention can achieve paperless operations and cooperate with international trends. Promote financial electronic file operations, so that customers can directly receiving in the company, do not retain printed on paper. In addition, the present invention further integrates the function of providing service priority with the smart calling system. In addition to simplifying the customer to fill in the relevant information of the complex bills one by one, and providing the customer with the original images of the bills for account management, it can also encourage customers to Use of bank semi-self-service equipment to reduce business unit labor expenses and log-in errors. From the above description, we can understand the specific system architecture of the present invention to complete the bill collection operation through the e-desk and the e-desk to provide bill collection and financial services. These technologies have at least the following features and advantages: 1. For SME customers or For customers based on bills, we provide simplified operations for filling in a large amount of bill-related important information one by one. 2. Provide a digital financial service experience, simplify the procedures for customers to fill in bills, provide bill collection details and automatic operation of the cancellation process, and increase banking transactions. 3. Provide the original image (paper / email) of the customer's retained bills to facilitate customer account management. 4. Provide customers with the function of automatic account write-off, which can deepen the customer's dependence on this service and the satisfaction of bank customer services. In summary, the present invention is a method for e-desk to handle bill collection financial services, which can effectively improve various shortcomings in use, and proposes to use electronic forms to simplify the process of bill collection for customers, and to shorten customer filling and waiting time. And through the bill image identification and magnetic word reading module, it automatically generates bill collection images and bill details or provides bill collection media, providing customers with original bill retention images, inventory tracking, bill entry, automatic write-off operations and fund scheduling. The purpose is to make the production of the present invention more advanced, more practical, and more in line with the needs of users. It has indeed met the requirements of the invention patent application, and filed a patent application according to law. However, the above are only the preferred embodiments of the present invention, and the scope of implementation of the present invention cannot be limited by this; therefore, any simple equivalent changes and modifications made in accordance with the scope of the patent application and the contents of the invention specification of the present invention , All should still fall within the scope of the invention patent.

11‧‧‧Select business steps

12‧‧‧Deposit account identification steps

13‧‧‧Transaction data entry steps

14‧‧‧Transaction storage and serial number printing steps

15‧‧‧ Correct steps for calculating the number and amount of notes

16‧‧‧Reading Procedure

17‧‧‧ Collection Procedures

2‧‧‧e writing desk

21‧‧‧ Interface Module

22‧‧‧Connected Module

23‧‧‧ Magnetic stripe / chip reader module

24‧‧‧Printing Module

25‧‧‧ processor

‧‧‧Smart call server

4‧‧‧ pre-processing server

41‧‧‧Database

5‧‧‧ server

51 · ‧‧ Receipt Collection System

511‧‧‧Counter call module

512‧‧‧Ticket image recognition and magnetic reading module

5112‧‧‧ Ticket image recognition unit

5122‧‧‧ magnetic identification unit for bills

6‧‧‧ mail server

7‧‧‧ internet

8‧‧‧ File Server

Fig. 1 is a schematic flow chart of the present invention. Figure 2 is a schematic diagram of a specific architecture of the present invention. FIG. 3 is a schematic diagram of a financial service procedure of the e-desk for collecting bills in a preferred embodiment of the present invention. Figure 4 is a schematic diagram of the bill collection image and bill detail of the present invention. Figure 5 shows the intention of the bill collection slip used to manually fill in the relevant bill information one by one.

Claims (13)

A method for e-desk to handle bill collection and financial service method is to use an e-desk that is a semi-self-service service in a financial institution such as a bank to connect with a banking institution to automatically process bill collection. It includes at least the following steps: Steps for selecting business types: The customer chooses to handle the bill collection business at the e desk; the identification step of the deposit account: the e desk receives the customer's input of the bank deposit account; the transaction data entry step: the e desk receives the total number of bills and face value of the customer's input. The amount of data and the transaction data related to the bill collection business are generated based on this. Transaction storage and serial number printing steps: The e-writing desk sends a number request corresponding to the transaction data to a smart calling server. The smart numbering server generates a number retrieval response including an e-desk service serial number through internal calculations, and temporarily stores serial number data corresponding to the e-desk service serial number, and responds to the number retrieval request to respond to the number retrieval Send to the e-desk receiving process, the e-desk receiving process generates a response corresponding to the generation The bill business includes the transaction service data and the transaction service data of the e-desk service serial number, and transmits the transaction service data to a pre-processing server for storage, and prints out a number plate indicating the e-desk service serial number. The number plate is held by the customer and is used as a priority basis in the service order; the correctness of calculating the number of bills and the amount of money: the service provided by several bank tellers is a collection of bills that can read and sort information The system, when the calling result of the current service serial number of one of the available servers matches the e-desk service serial number stored by the smart calling server, it calls the customer holding the number plate of the e-desk service serial number To deal with related business, the teller then according to the number plate and physical bill delivered by the customer with the e-desk service serial number, reads the e-desk service serial number and is automatically imported by the pre-processing server into the customer's input at the e-desk collection service. Bill information, for the teller to manually identify whether the relevant statutory items of the bill are correct manually, and Method to calculate whether the total number of physical bills and the total face value of the actual delivery are consistent with the total number of bills and the total face value entered by the customer at the e desk; and the image reading steps of the physical bill: the bill collection system includes a bill Image recognition and magnetic character reading module. The teller will place the physical receipts collected in the receipt box of the ticket image recognition and magnetic character reading module. The ticket image recognition and magnetic character reading module will scan the front and back of the ticket. The image and the magnetic word of the bill are read to generate a bill collection bill containing bill images, and according to the customer's instructions, the bill collection bill is sent to a receiving address to complete bill collection. The method for handling bill collection financial services according to the e-desk described in item 1 of the scope of the patent application, wherein the e-desk further includes an interface module, a connection module, a magnetic stripe / chip reader module, and a row A printing module and a processor, the processor is electrically connected to the interface module, the connection module, the magnetic stripe / chip reader module and the printing module, and controls the operation of the printing module. The method for handling bill collection financial services according to the e-desk described in item 2 of the scope of patent application, wherein the interface module of the e-desk provides a display touch surface, and the display touch surface is planned to have a number corresponding to the number A touch selection area for different transaction options, a barcode image area corresponding to different transaction options, and a touch keyboard area. The method for handling financial services of bill collection according to the e-desk described in item 2 of the scope of the patent application, wherein the processor of the e-desk receives the bank deposit account entered by the customer, and through the interface module or the magnetic stripe / chip reader module Group, the customer can manually enter the deposit account number, deposit passbook magnetic stripe, chip financial card magnetic stripe, or mobile device QRcode, etc. to enter the bank deposit account number. The method for handling bill collection financial services according to the e-desk described in item 1 of the scope of patent application, wherein in the transaction information input step, the customer can also enter bill collection information on a case-by-case basis. The method for handling bill collection financial services according to the e-desk described in item 1 of the scope of patent application, wherein the transaction information contains or indicates the total number of bills, the total face value and bank deposit account information. The method for handling bill collection financial services according to the e-desk described in item 1 of the scope of patent application, wherein the pre-processing server further includes a database. The method for handling financial services for bill collection in accordance with the e-desk described in item 1 of the scope of patent application, wherein the bill collection system further includes a counter call number reading module. The method for handling bill collection financial services according to the e-desk described in item 1 of the scope of patent application, wherein the bill image recognition and magnetic character reading module in the step of reading the physical bill image recognizes the invoice with a bill image recognition unit Date and face value. The method for handling bill collection financial services according to the e-desk described in item 1 of the scope of patent application, wherein in the step of reading the bill image of the entity, the bill image recognition and magnetic character reading module reads by a bill magnetic character recognition unit. Take the bill ticket number, payment bank exchange area code, payment bank code, bill type, and invoicer account number. The method for handling financial services for bill collection according to the e-desk described in item 1 of the scope of patent application, wherein the recipient address contains at least one email account. The method for handling bill collection financial services according to the e-desk described in item 1 of the scope of the patent application, wherein the recipient address includes a printing program for listing the bill collection bill with a bill image Print it out and send it to the customer. The method for handling bill collection financial services in accordance with the e-desk described in Item 1 of the scope of patent application, which further includes the bill collection operation for bill generation, which is to receive a billing notice from the back-end server of the banking institution for cancellation. , The background server sends a write-off media data to the customer after performing check-in and write-off.