TWI355618B - Automatic loan-application system and machine ther - Google Patents

Description

25l87pif IX. Invention Description: [Technical field to which the invention pertains] x 疋 About the use of a person's contract machine and its hot contract machine used in the case of Kim Min-soo 2:: account opening or loan application. π used wicked contract system I prior art] π first-hand unmanned contract system, in the financial institution, = operator terminal, and connected to the setting by the operator about the machine, when communicating by using the unmanned contract, etc. Under the unconditional situation, after reading the test, ·,,, -, and Gu contract signed the simplified documents, and will be transferred to the *= person six appointments to make the .C certificate for the usual exercise: The choice of Yang’s terminal is only to use the commonly used certificate such as the Asian-African work permit; the size, when the certificate is confirmed, the type and size of the certificate must be used to communicate with the customer and accept the piano 2 Choose! The size of the confirmation is entered and entered into the operation and the selected ruler; the player terminal self-report _ the contract machine's unmanned contract machine is sent to the unmanned image. The result of the mourning is to take the dry envelope to read the certificate map. The above action d, when the article is repeated for each document _ text (four) 曰 本 专 专 专 ; To open a hundred flats for the paragraph on page 4, the bulletin bulletin (mainly, the above-mentioned former technician. The paragraph of the page _, Figure 4) First, in the balance, when reading multiple documents, no one knows 6 1355618 251S7pif The approximate size of the input machine for the multiple ID operators corresponds to "== category" and receives the image. Therefore, in the case of financial 1 $, each document has the following problem, that is, urir: multiple documents. In order to solve the above problems, the present invention provides an operator operation for the purpose of solving the above problems. , operator terminal and customer Xiang =: 7. The unmanned contract system of the library is characterized in that none of the above; the deed, the force 4 should be promoted. The certificate, the size of the document is stored, the information is stored in the organization; the customer identity is accepted, and the size is stored; Multiple documents, from the wheeled machine = out, the size information of the institution inch Beiquan, e is used to read each document image = the set coordinate area of the mechanism; read according to; ^: seat 2 domain The document image of the plurality of documents is set, the ^^ of the composite certificate is obtained, and the obtained document of the (4) fixed area in the obtained composite document image is sent to the mechanism of the operation terminal, the operator The terminal includes: receiving the information from the top, describing the information; reducing the above-mentioned Wei domain, and dividing the composite document image of the social corruption into the image of each document image; /= 7 1355618 25187pif Do not display the segmentation The body of multiple document images. [Effect of the Invention] Thereby, the present invention can obtain an effect of reducing the number of times of reading of a document image and eliminating the need for communication with an operator terminal for setting a reading area of a common document. , thereby shortening the transaction time of contract processing requiring multiple documents. % I implementation]

Hereinafter, an embodiment of the unmanned contract system of the present invention will be described with reference to the drawings: it 彳ftH

[Embodiment 1] Fig. 1 is a block diagram showing a system configuration of a first embodiment, and Fig. 2 is a perspective view showing an appearance of an unmanned contractor. In Fig. 1 and Fig. 2, 1 is an unmanned contract machine, which is installed in a no-one corner of a financial institution such as a bank or consumer finance, or a shop such as a noun, and is used by a customer to operate with a financial institution. Signing contracts, or post-contract loans and other transactions. • 2 is an operator terminal, which is installed in the center of a financial institution and is used by operators such as the reception person of the financial institution to conduct transactions with customers and conduct calls during transactions. _ The operator terminal 2 is connected to the unmanned fishing machine 1 via a dedicated line, an integrated service digital network (ISDN), a telephone line, or the like, and can communicate with each other. 11 is a control unit of the unmanned contract machine 1 and is connected to the operator terminal 2 via the communication network 3, and controls each part of the unmanned contract machine 1, and performs contract processing between 8 1355618 25] 87 pif and the customer, and also controls Data communication, etc. Reference numeral 12 denotes a memory unit in which a program executed by the control unit 11 and a processing result from the control unit 11 are stored. 13 is an operation display unit, and is composed of a combination of a cathode ray tube (CRT), a liquid crystal display ([Crystal Display, LCD), and the like, and a combination of input mechanisms such as a touch panel, and displays various options. The f-face, the input face, or the face of the customer's operation, etc., on the other hand, accept input from the customer by the wheeling mechanism. Μ is a function of the document reading unit, which has a function of reading a certificate image such as a license card to prove the identity of the customer. Thousands of implementations _ Sweeping 14 towels, which are protected from reading and reading... The cover can be identified by the Si closed cover, and the control unit η recognizes that the document is set. Further, the sweeper _]4 shown in Fig. 2 is a bill reading and printing section, and has the qualifier of H2. The function of the single image, the copy of the printed contract, and the accounting transactions such as the laughter and the book of the book; the book for the ride is the shooting unit, and the camera is provided in the camera of the unattended portrait. It can be used as a customer's call department, consisting of a handset I8b, etc., the above-mentioned speaker crying and calling by a hand-held phone, etc., the above-mentioned hand-held phone 8b and having two microphones and speakers for broadcasting the operator ^ Use 乂 to communicate with the operator 1355618 25187pif d horse operator terminal today contract machine "with no data communication, etc. 7 is also divided into a memory unit, and the control unit 2 stores the processing result of the control unit 21 and the like. The 仃〇猃 type and the 23 23 are display parts, and have the following functions such as or La), that is, the display of the image by the helmet, the second, the 4th screen, and the image of the piece or bill, and the display of "=, The certificate = the input part, the keyboard and the faceted two, the f line selects the necessary input or contract, etc.; the item ^, 25 is the operator's call part, and the f = enters the search. The headset is used to operate the memory of the unmanned contractor 1 by the search for money. The business process program adds the ΐ & & & & ' ' ' ' ' ' ' ' ' ' ' ' 业务 业务 业务 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人The contract machine ^ is subject to the transaction wheel selected by the customer... that is, 'signal, ΐ function, etc., that is, when the upper axis image reading processing program has a document image of μ more than two According to this design, the certificate of the two types of documents:: In addition, in the memory department 12, there is a document certificate in advance. 10 25187pif The name of the ordinary document is four feet: inch, the certificate: the license used by the card type, Two;; work: 乍: piece: inch classification has - as, the size of the piece of this category all And long sides of length), insurance card into the size of the size of the resource when the size of the rectangular short insurance card at the time of folding information according to the size, [mu],; and Kawasaki: protection money to open size dimension information. °There are some agricultural and non-A4 specifications As mentioned above, the basic example of the health, & And the three dimensions of the insurance card are the two sizes ^. ~ #下片尺寸 The above-mentioned operator terminal. 2 愔 ” ” 士 士 士 士 a a 士 士 士 士 士 士 士 士 士 士 士 士 控制 控制 控制 控制 控制 控制 控制 控制 控制 控制 控制 控制 控制 控制 控制 控制 控制 控制 控制 控制 控制 控制 控制= execution of the program structure, the terminal processing execution program 罝 = hard 脰 customer avatar of each function machine, display by no send: Shen; two images, call with the customer: two:, k composite certificate image Each card has a certificate. 4 machine] and 'memory department 22 order pre-stored document size table, the document size 1355618 25187pif table, corresponding to the card size and other document size, recorded and stored in the unmanned contract machine 1 memory In the unmanned contract system of the present embodiment, the control unit 11 of the unmanned contract machine 1 displays the "account open" button and the same size information of the document size information table in the portion 12. The transaction selection such as the transaction selection button such as the "loan application" button is displayed on the display screen 13a of the operation display unit 13 and is placed on standby. After the customer selects the desired transaction from the transaction selection, the transaction selection button is pressed. . In the present embodiment, the customer selects a new account to open, and the contract processing after pressing the "account open" button for signing the contract is explained. When the "Account Creation" button is pressed, the control unit 11 of the unmanned contract machine 1 that accepts the account opening operation by the input means of the operation display unit 13 recognizes the transaction name by pressing the transaction selection button, and transmits the transaction name via the communication network. The road 3 is connected to the operator terminal 2 of the center, transmits the recognized transaction name and the customer image captured by the imaging unit 17, and receives the transaction name and the control unit 21 of the operator terminal 2 of the customer image, so that the transaction name and the transaction name are The customer image is displayed on the screen of the display unit .23, and the contract processing is started. After the start of the contract processing, the control unit 11 of the unmanned contractor 1 displays the personal information for inputting personal information such as the customer's name, date of birth, and gender into the operation display unit 13, and transmits the personal information input by the customer. To the operator terminal. 2. Next, the control unit 11 displays the entry method of the application form and the delivery method of the completed application form on the operation display unit 13, and the customer fills in the necessary items in the application 12 25187pif ^ and puts it on the bill reading and printing. In the unit 15, the control unit 列 and the error are read by the bill reading and printing unit 15 to read the image of the request for the middle of the request, and the control unit 21 of the operator terminal 2 displays the image. At 23, the operator inputs the application writing valley by the input unit 24 and performs a confirmation operation. The control unit 21 that recognizes the confirmation operation, transmits the application confirmation link = as the application confirmation notification to the unmanned contract machine 1, and receives the confirmation request from the unrecognized control unit of the confirmation request: The unclaimed 4;::: image acquisition processing of the present embodiment is started. The shortcut of the shortcut is shown in Fig. 3. The description of the image of the present embodiment is carried out according to the procedure. Now, for the step name, the unmanned contractor 1. The terminal is represented by SA. .I~Om ι The control unit of the unmanned contract machine ι of the document image acquisition processing selects the attached document shown in Fig. 4 to be displayed in the adjacent display surface 13a. . . . private work is not part of the 13 in the document selection screen, according to the Syrian show, Zhao (Fu Temple Power. Above and not ^ domain 3) shows #用卡, salary details and financial cards, or "Payment, registration, etc." And the "confirm" button with the selected certificate 2 is displayed, etc. (4) and used to indicate that 13 25187pif is not selected.

"Yes S = the choice of the two documents to be pressed by press - press the T part 11, the press of the certificate; the control of the selected wheel according to the name of the certificate, the self-examination == touch the name of each certificate, The control unit 11 having the same size information as the health insurance card is read by the root, and the certificate of the certificate of the certificate size of one or more documents is entered in the step S4 / · 4 In the case where it is determined that the size is unknown, the control unit 11 in which all the teeth are in the case of the presence of the unidentified document, and when the other document is selected, the process proceeds to step S5. If the "other" document is not included in the selected twisted member, the process proceeds to step S8. The illusion, the control that identifies the "other" document in the selected document is to obtain the size information of the document, and the size setting request for the document size setting is sent to the operation terminal via the communication network 3. The SA1 waits for the size setting request from the unmanned contractor 2 to enter, and the control unit 21 of the operator terminal 2 in the standby state receives the request for the size sigh and proceeds to step SA2. When the size setting request is not received, the above steps and the standby of step SA3 are continued. The SA control unit 21, which has been connected to the size setting request, displays its contents on the display unit 23. 14 25187pif Right fine clerk cut #曰=_ Operation, dragon use round eight 24 certificate three-sided size, passport === system (four) the card size, face is not visible on the display section 23, and the size of each document The selection button wicked deeds I call the customer to operate the county department 25 with the operator and ί ^ to enable communication. The self-benefit _ 丨 贝 贝 终端 terminal 2 operation of the stomach call section > 5 ears of the spring ..., the six-machine J customer contact department of the headset, only to show the customer using the handset (10) voice and other types of documents and 1 Large (10) each inquiry input is the other document size of the factory. Therefore, the size of the corresponding size, protection, does not correspond, =:: inch insurance card on the three sides according to the size of the wheeled control, the root table, phase two == in the size of the piece 3 will be t sent to the object of transmission The unmanned contract machine enters the second step by the size information of the state of the interesting network machine and enters step two: = the control unit receives the size information and then receives the second = work =: the above standby is continued. He, the control department of Du Fu's second piece of inch, said that the "1 piece size # message is temporarily stored in the memory part 2 = r size of the unknown size = step ί field does not exist in the size of the unknown documents, then for all After the selected inch signal is identified, the process proceeds to step S9. 乂% 'identifies that there is a size of 15 or more than two pieces of document size 13 1355618 25lS7pif = piece of control part n' will be shown in Figure 5 In the display surface 13a of the operation display portion 13. The weight of the ~τ is displayed in the document size selection surface, and the name of the body is displayed (the example is the health insurance card in Fig. 5), and the size is selected. Documents = card size, insurance card three-sided size ', passport ruler' display:: ruler:, inch selection button and correction when the document is selected; (2)

It's used in the 'received' age and has a certificate size (4) and a "confirm" button to end the selection. 1 After pressing the size of the displayed document, the customer presses the button and presses 4a. Hunting by the customer presses the "confirm" button, and accepts the document ruler! t input (four) part 11 'by pressing the size selected by pressing & and identifying Ϊ, 仵 size, and according to this from the memory part 12 In the document size information table, the size information of the given document size is read, and the size information of the certificate selected by the core is recognized, and the process proceeds to step S9.

The control unit U, which identifies the size information of all the selected documents, sets the coordinate area for reading the selected multi-reading surface by the scanner 14. °二亦^卩' control unit 11 compares the size information of the selected .2 documents. When the size is different, a predetermined amount is added around the rectangle consisting of the short side and the long side of the larger size information ( In the present embodiment, it is 5 mm), so that the long side of the moment is along the reading surface 14a of the sweeper 14 and the length direction, and the knife is the square coordinate, and the front right corner of the reading surface of the scanner 14 is soil. Make a corner coordinate that is different here, and use the seat 16 1355618 251S7pif (4) to change the coordinates of the three corners of the seat, and set the coordinates of the coordinate area to the inner right corner of the touch. Set the coordinate area (see Fig. 6 to Fig. 8). Take 3 S10 and control department! ! For the set length of the composite in the coordinate area and the short side length of the reading surface 14a of the scanner 4 = the side name, when the composite length is less than or equal to the short side length, the shape is OK and the step is entered. S13. When the composite length exceeds the short side length, the judgment = the reading is simultaneously performed and the process proceeds to step S1]. j疋 is no sn, and the control unit u^ that determines that the document cannot be read at the same time takes a single reading of each document. Male 'Dingshou: On the first reading, the control department I! will take the i-th certificate (for example, the 3 pick-up and the name of the document are shown in the operation display, and the customer will place the displayed document according to the welding status. 14 The document image of the document is read. On, the control unit n after reading the document image reads the other document image in the step u of the = bean (four). When ^=2 turns, the end is completed. Single reading and entering step S1/

Sl3, the control that determines that the document can be read at the same time takes the simultaneous reading of two documents. 11 仃 simultaneous reading display control unit ^ in the display ❿ ❿ of the operation display unit 13 reads the indication 昼 ' while the disk is not readable while reading the fingerprint device and reading with the readable device 14 Take the face 14a phase. The beak is not heavy. There are three sides of the health insurance card and the coordinates of the _ are displayed in the teacher's L^ and displayed. In the case of the fascinating temple, the customer places the two types of documents in the W domain to read the 1355618 25187pif face 14a of the sweeping, and the control unit 11 simultaneously reads the image of the two types of documents by the scanner 14 to obtain the composite document. image. In this embodiment, the reading surface 14a of the scanner 14 is of the A4 size. Therefore, the combination that can be simultaneously read is the combination of the three-sided size of the insurance card and the card size shown in FIG. 6, and the card size shown in FIG. When combined with each other, as shown in Fig. 8. The combination of the passport size and the card size, simultaneous reading can be performed. Further, a rectangle indicated by a broken line in FIGS. 6 to 8 indicates a scanning range of the scanner 14. S14. After obtaining the composite certificate image or the two ID images, the control unit 11 obtains the document information of each coordinate area in the composite certificate image, and obtains the information respectively. When the document image is created, the document information composed of the image of the two documents is made, and the created document information is sent to the operator terminal via the communication network 3. After the document image acquisition of the unmanned contract machine 1 is ended. Processing, and waiting for the review result from the operator terminal 2 to enter. • SA3, the control unit 21 of the operator terminal 2 that waits for the entry of the document information from the unmanned contractor 1 to wait, receives the certificate information, and proceeds to step SA4. If the document information is not received, the above steps and the standby of step SA1 are continued. In the SA4, the control unit 21 that has received the document information displays the document image in the multi-window format on the screen of the display unit .23 when receiving the document information composed of the two 证 certificate images. When receiving the document ID 18 1355618 25187pif composed of the composite document image and each coordinate area, the control unit 2] displays the composite document image display screen shown in FIG. 9 on the face of the display unit 23, the composite The ID image display screen displays a composite ID image and is used to split and display the documents.

Buttons, etc. .I is to display the detailed image of the document. After the operator presses the "Segment J button", the control unit 21 that has detected the pressing operation divides the composite document image according to the coordinate area of the document information, and displays the image shown in FIG. I cut the ID image display

In the face, the image of the divided document image display screen is displayed on the top surface of FIG. 9 in a multi-window shape. The control unit .21' that completes the display of the two ID images or the document image display screen ends the document image acquisition of the operator terminal 2, and starts the review process with the host (not shown) or the like. ,also

As described above, after the document image acquisition processing of the unmanned contract system of the present embodiment is performed, the control unit 21 of the operator terminal 2 receives the result of the examination from the host or the like, and displays the content on the display unit Μ. Based on this, the member uses the input unit 24 to input the transaction amount and the like, and transmits a transaction permission notice with the transaction amount of the input to the unmanned contract machine. Unmanned contract machine that received the parent's permission notice! The control of the bitterness is displayed in the operation display section]3, and the customer confirms the U money to confirm (4), the control department fills in the old (four) book, and the completed contract is delivered in the scale. The operation display unit, the customer listens to (4) the book towel fills in the name, lives and turns the stamp, and the contract is placed in the reading and purchasing unit 15, and the control unit u reads the contract (4) image by using the bill reading print unit 1.5. The image of the Uiqi Wei is sent to the operator 19 1355618 251S7pif. After the operator terminal 2 receives the confirmation of the contract, the communication between the communication network 3 and the operator terminal 2 is used by the customer. The transaction selection screen is displayed on the display screen 13a of ^^. She, fine, and the way to deal with the contract of this embodiment. As described above, the reading surface I4a + of the present document_document diagram U is dare to shoot when the τ 疋 is %, and the plurality of documents in the target range are equivalent. After obtaining the _ cow image, the image of the operator's terminal is divided into two parts, which can reduce the reading time of the document image = the transaction processing time of the hole certificate, so that the operation efficiency of the first machine can be reduced. . Door...man six

. V Auto 2: Use S to take the T-pass ID as the coordinate area of the reading area, and do not need to communicate with the I: operating the terminal 2 to set the normal document reading area.运作% 1 operating efficiency.仗 进一步 进一步 进一步 进一步 进一步 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人 无人When two pieces of documents selected by the customer are input, the size information of each document is read out, according to the set w, = coordinate area of the image, and the province is displayed. After placing multiple documents in the scanner, the image of each coordinate area attached to the multi-image is read at the same time, and the certificate of the composite document is received from the operator terminal to the operator's terminal. After the information, according to the accompanying &. 20 1J33016 25I87pif two HZ documents, the composite document image segmentation display: piece of image, this can reduce the number of documents without setting the number of Pu'er documents to read, Yahe Person contract*=: The transaction time of the contract processing of the certificate is not explained, but the short side and the long corner coordinate of the rectangle can be used. , ° can also be light into the four types of certificate of the rectangular size of the certificate, like the two types of 2 or more of the two documents can be read simultaneously by reading | f , ^ *, size plus ^ scan The size of the facet is A4 or the size of the face of the handle can be set to the appropriate number and size. That is, the document must be read at the same time. In the above embodiment, the certificate is read. The part of the picking unit is also referred to as a scanner. For this reason, it is enough to take the image of multiple ID images in the same embodiment. In the embodiment, the helmet man robbery is taken as an example. The transaction situation of the account opening situation of _a, ..., person VI and force machine is also the same ^ Others need to obtain the image of the certificate, etc., and then explain the unmanned contract machine, but there is no '··, β and the unmanned contract machine or commodity purchase of the Rongrong organization: the round can be like insurance business, credit business As long as it is an unmanned contract machine that acquires a document image of a 21 1355618 25187 pif certificate, the same effect as the present invention can be obtained regardless of the unmanned contract machine used. BRIEF DESCRIPTION OF THE DRAWINGS Fig. 1. is a block diagram showing the system configuration of the embodiment. Fig. 2 is a perspective view showing the appearance of an unmanned contract machine of the embodiment. Fig. 3 is a flowchart showing the document image acquisition processing of the embodiment. Fig. 4 is a perspective view showing an example of display of a document selection face in the embodiment; Fig. 5 is an explanatory diagram showing a display example of a document size selection screen of the embodiment. Fig. 6 is an explanatory diagram showing an example of display of a simultaneous reading instruction screen in the embodiment. Fig. 7 is an explanatory view showing another display example in which the pointing surface is simultaneously read in the embodiment. Fig. 8 is an explanatory view showing another display example of the simultaneous reading of the indication face in the embodiment. Fig. 9 is an explanatory view showing a display example of a composite document image display surface of the embodiment. Fig. 10 is an explanatory diagram showing an example of display of a divided document image display screen in the embodiment. [Description of main component symbols] 1 : Unmanned contractor 2: Operator terminal 3: Communication network 1355618 25187pif Π : Control unit 12: Memory unit 13: Operation display unit 13a: Display screen 14: Scanner 14b: Reading surface 15 : Bill reading and printing unit 16 : Card issuing unit 17 · Image capturing unit 18 : Customer talking unit 18 a : Speaker 18 b . Holding telephone 21 Control unit 22 Memory unit . 23 Display unit ' 24 Input unit 25 Operator call unit 31 button display area 3.2, 33: display block 34: words buy face 23

Claims (1)

251 S7pif X. Patent application scope: The end corresponds to the operator who operates with SI; ': machine connected with operator operation. The unmanned contract machine includes: organization; the ID size of the document size information store that stores the size information of the whole piece! 'Customer's multiple documents are selected to lose eight chests; institutions\Γ4's multiple documents, from the description of the size of the documents, the price of the gas is acupuncture, § stomach material documents of the 资 资 资 ; institutions; Each size information 'sets the mechanism for reading the coordinate area of each R image; Beck & figure shows the organization of the set money area; phoenix = = ; = multiple documents set in the coordinate area The evidence of the 苯 σ δ 仵 仵 image; and the standard; the image of the above is attached to each of the set operations. The mechanism that operates the terminal; and, the institution that receives the information; receives the above-mentioned documents from the unmanned (four) machine. J is a mechanism for each of the five-section image, and a mechanism for dividing the plurality of document images by the knife. The above-mentioned unmanned contract machine includes, for example, a = person contract system, which causes at least one of the documents to be ~=冓, and the institution accepts the ordinary document having multiple size information in the selected Doma sighing above, 24 25187pif The size of the document is selected for input. 3. The unclaimed contract system of claim 1, wherein the unmanned contract machine comprises: ± at least one of the S documents selected as the upper object is a non-ordinary document t, and the size of the spare parts is required to be resized. a mechanism for transmitting the size information of the non-common document from the upper clerk terminal, and the operator terminal includes: The above-mentioned size setting required mechanism; = the size of the document input according to the size setting requirement, the size of the unnamed ordinary document is sent to the above, including: ..., person six,, spoon father, the unmanned contract The characteristics of the machine correspond to the Huangtong certificate to store the certificate owing storage mechanism; the size of the cattle size of the message size information of the customer identity of the multiple documents selected to lose. According to the selected plurality of W objects, the organization reads each document + times . Since the size of the fast-moving device t-storage, the size of the information is stored in the department; according to the various sighs read out, the mechanism for reading the coordinate area of each document figure 1355618 25187pif image; a mechanism for setting a coordinate area, reading a document image of a plurality of documents set according to the displayed coordinate area, acquiring a composite document image; and attaching the obtained composite document image to the above The set document information of each coordinate area is sent to the mechanism of the above operator terminal. 5. The unmanned contract machine of claim 4, wherein the unmanned contract machine comprises: when at least one of the selected plurality of documents is a common document having a plurality of size information, Accept the size selection input for this document. 6. The unmanned contract machine of claim 4, wherein the unmanned contract machine comprises a mechanism, wherein the at least one of the selected plurality of documents is a #common document, from the operator The terminal obtains the size information of the certificate. 26