JPH0342771A - Automatic transaction processing system - Google Patents

Abstract

PURPOSE:To realize the remote processing of slip transaction by adding a specified slip reading device to an automatic transaction device for a customer, and reproducing the recorded surface of a slip at a different place through a communication line, and controlling the slip reading by a teller as seeing that reproduced picture. CONSTITUTION:The automatic transaction device 1 and the slip reading device 2 added to the device 1 are connected to a remote processing device 4 through the communication line 3, and the device 2 is provided with slip photographing camera 21 an a speaking device 22, which are controller by a picture voice control part 23. Further, the device 4 is provided with a display 41 and the speaking device 42, which are controlled by the picture voice control part 43, and besides it is provided with a keyboard 44 nd a CRT 45 for operating it, which are controlled by an operation control part 46. Then, the recorded surface of the slip photographed by the camera 21 is reproduced on the display 41, and the teller, as seeing the reproduced surface of the slip, operates the keyboard 44 so as to control the device 2.

Description

[Detailed Description of the Invention] <Industry> 2 Field of Application The present invention is capable of processing transactions such as deposits and withdrawals using automatic transaction devices, as well as transaction processing using slips such as opening new accounts and canceling accounts. The present invention relates to an automatic transaction processing system that can be processed from a location different from the location where the device is installed.

<Conventional Technology> Financial institutions such as banks have installed automatic transaction devices to automate the transaction processing of deposits and withdrawals. However, when opening a new account or canceling a new account, the customer fills in the necessary information on a predetermined slip and hands it to a bank employee, who then looks at the slip and processes it. Therefore, customers have the inconvenience of being unable to open new accounts or cancel accounts using slips outside of the financial institution's business hours. Also, of course, there was no way to open or cancel new accounts at unmanned stores.

Therefore, in order to eliminate the above-mentioned inconveniences, the present invention provides an automatic transaction processing system that allows transaction processing using slips, such as new account opening and cancellation, to be performed from a location different from the location where the automatic transaction device is installed. The purpose is to provide

<Means for Solving the Problems> The automatic transaction processing system of the present invention for achieving the above object is configured as follows.

That is, an automatic transaction device that automatically processes transactions for customers, a document photographing camera attached to the automatic transaction device that photographs the written side of a document inserted by the customer, and means for transmitting the photographed image as an electrical signal. a slip reading device comprising: a means for reproducing an image on a slip writing surface based on an electrical signal transmitted from the slip reading device, the means being connected to the automatic transaction device and the slip reading device through a communication line; and means for controlling the teller and the above-mentioned slip reading device by looking at the image of the written slip entry surface.

<Operation> According to the above configuration, an image of the slip writing surface inserted into a slip reading device by the customer is sent as an electrical signal to a remote processing device installed at another location via a communication line and reproduced. You can view the image of the invoice entry surface reproduced by the teller or its remote processing device, and enter the data necessary for the invoice transaction.
It is possible to conduct transactions using slips.

<Example> Hereinafter, the present invention will be described in detail based on the drawings.

As shown in the block diagram of FIG. 1, the automatic transaction processing system according to the present invention includes an automatic transaction device 1, a slip reading device 2 attached to the automatic transaction device 1, and the automatic transaction device 1 and the slip reading device. 2 and a remote processing device 4 connected through a communication line 3 such as 15DN (Integrated Digital Communication Network).

The automatic transaction device 1 is similar to a conventional transaction device that automatically performs various withdrawal processes for customers. Card reader/writer 13
It includes a two-way bank bookkeeping machine 141, a communication function section 15, and a transaction control section 16 that controls these.

The transaction control unit 16 also includes a host computer (not shown) that controls the entire system via the communication function unit 15.
It is connected to the.

The slip reading device 2 includes a slip photographing camera 21. Telephone 2
2, an image/audio controller 23 for controlling these, and a communication network controller (hereinafter referred to as NCU) 24 for connecting the image/audio controller 23 to the communication line 3.

The image and audio control section 23 is connected to the transaction control section 16 of the automatic transaction device I, and the NCU 24 is also used to connect the transaction control section 16 of the automatic transaction device I and the communication line 3. There is.

2. The remote processing device 4 is controlled from a location away from the slip reading device 2, such as a female branch of the bank where a bank employee is stationed, or the main branch, and includes a display 41, a telephone 42, and an image for controlling these. A key fob 44 which is equipped with a voice control unit 43 and is operated by a teller. CRT 45 that guides the operation, and operation control unit 46 that controls these
It is equipped with This operation control section 46 includes a communication function section 47
is connected to the host computer which controls the whole system. Furthermore, an NCU 4 for connecting this operation control section 46 and the above-mentioned image/audio control section 43 to the communication line 3.
8 are provided.

Further, as shown in the schematic perspective view of FIG. 2, the slip reading device 2 is provided with a slip insertion slot 52 on the front surface of the casing 51, and has a slip stacker 53 and a slip insertion slot 52 inside. A conveyor belt 55 is provided to convey the slips 54 to the slip stacker 53. And” Recorded document photographing camera 2
1, the recording surface of the slip 54 on the conveyor belt 55 can be photographed. This slip photographing camera 21 is equipped with a zoom lens 21a as a photographing lens, and the focus position of the zoom lens 21a is of course aligned with the writing surface of the slip 54.

As shown in the perspective schematic diagram of main parts in FIG.
The vehicle is supported so as to be movable in a direction perpendicular to the direction of travel. For example, two pulleys 56,
A rubber heald 58 passed between the slots 57 and 57 is attached to the slip photographing camera 21, and a motor 59 is connected to one of the pulleys 56. In addition, in order to detect the home position of the document photographing camera 21, that is, the position that coincides with the optical axis of the zoom lens 2]a or the widthwise center of the conveyor belt 55, one of the pulleys 5
A hole 57a is bored in the hole 57a, and a transmission type photosensor 60 is arranged to detect the hole 57a.

On the other hand, a reflective photosensor 61 is arranged above the conveyor belt 55 in order to detect the home position of the document 54, that is, the position where the center of the document 54 in the conveying direction matches the home position of the document photographing camera 21. has been done.

After a certain period of time from the moment when the photosensor 61 detects the passage of the slip 54, the drive mechanism of the transport heald 55 (f
), the slip 54 can be positioned at the home position.

By controlling the motor 59 for moving the camera 21 and the drive mechanism for the conveyance belt 55 by the E image/audio control section 23, the relative position between the document photographing camera 21 and the document 54 on the conveyor heald 55 can be freely adjusted. Alternatively, the optical axis of the zoom lens 21a can be aligned to an arbitrary position on the slip 54 as described later.

Zoom lens 21 attached to the above-mentioned slip photographing camera 21
Regarding the variable focal length range of a, the shortest focal length is the document photographing camera 21. The size of the slip 54, for example, A5 size, is set so that when both the slips 54 are placed at the home position, the size of the slip 54 is exactly within the photographing range. In addition, the longest focal length is set so that the contents of the slip 54 can be zoomed up to the extent that the contents of the slip 54 can be reliably read from the projected image as described later.
For example, the shooting range is set to be a quarter size of the slip 54, that is, A7 size, or a smaller size.

Further, the zooming of the zoom lens 21a is automatically performed by a drive mechanism built into the document photographing camera 21, and the polarity and application time of the voltage applied to the drive mechanism are controlled by the image/audio control unit 23, for example. It is done by controlling. Furthermore, as will be described later, scanning is performed based on a preset program by specifying the size of the desired photographing range. For example, as shown in the characteristic diagram in Figure 4(a), this program applies a voltage of +6V for 6 seconds to reduce the size of the photographing range from A5 size to A7 size. As shown in the characteristic diagram in Figure (b), the size is set to be enlarged from A7 to A5 by applying a voltage of -6V for 6 seconds.

Next, transaction processing by the automatic transaction processing system having the above configuration will be explained using a new savings account transaction as an example.

First, when the customer selects a new savings account transaction using the customer operation section ■1 of the automatic transaction device l, the customer must submit the specified slip (
Fill in the necessary information such as date, address, name, postal code, telephone number, Ia industry, notification stamp, etc. on the new ordinary deposit application form, and insert the slip into the slip insertion slot 52 of the slip reading device 2.

The inserted slip 54 is conveyed by the conveyance heald 55 and stopped at the home position of the slip 54.

Then, the written surface of the stopped slip 54 is photographed by the slip photographing camera 21, which is also held at the home position. The focal length of the zoom lens 21a at this time is set to the shortest focal length, so that the entire writing surface of the slip 54 is photographed.

The photographed image of the writing surface of the slip 54 is compressed by the image/audio control section 23 and sent to the communication line 3 through the NCU 24 as an electrical signal. The electrical signal is then sent to the remote processing device 4, transferred to the image and audio control unit 43 through the NCU 48, decompressed, and displayed on the display 41.
It is reproduced as a still image above.

The teller (operator) looks at the still image of the 0 entry side of the reproduced slip 54, first determines the transaction item, and in this example normally displays a new format screen on the CRT 45 of the remote processing device 4. Next, the teller inputs the customer's address, name, telephone number, etc. from the keyboard 44 based on the format screen while looking at the still image on the display 41, thereby completing the data entry necessary for the transaction. Then, CIF (customer information file) host registration processing is performed.

On the other hand, after inserting the slip 54, the customer inserts cash into the deposit/withdrawal machine 12 in accordance with a guidance screen such as a CRT provided in the customer operation section 11. Cash counting and host processing are then performed. After completing various processes, the details of the transaction are displayed on the customer operation section 11 of the automatic transaction device 1. The customer views the display and performs a confirmation operation. When the transaction with the host computer is completed, the bankbook entry machine 14 of the automatic transaction device 1 prints the customer's name, transaction results, etc. on the new bankbook, and the customer receives the new bankbook, completing the transaction.

During the above process, if the customer or teller has any questions, they can talk using the telephones 22 and 42 of both parties.

By the way, when inputting data by looking at the still image of the written side of the slip 54 reproduced on the teller display 41 as described above, it is difficult to decipher the written contents written in small letters due to the resolution limit of the still image. In some cases, it may not be possible, or it may not be possible to verify the seals reliably. In such a case, the teller can use the zoom function of the slip photographing camera 21 to enlarge a necessary portion of the writing surface of the slip 54 and reproduce it on the display 41. The zoom operation will be explained below with reference to the flowchart of FIG.

Teller first displays the image shown in Fig. 6 on the CRT 45 of the remote processing device 4.
A format screen for zoom instruction as shown in the explanatory diagram of a) is displayed (step 5-1). This instruction screen displays the zoom instruction coordinate C, and in this embodiment, the horizontal axis of the zoom instruction coordinate C is engraved with 13 equal divisions, and the vertical axis is engraved with a scale of 13 equal divisions. ing. Also displayed on this instruction screen are the center coordinates and size of the photographing range currently being photographed by the slip photographing camera 21. Before instructing to zoom,
Since the slip photographing camera 21 and the slip 54 are both set at the home position, a still image of the entire slip writing surface is displayed on the display 41 as shown in the explanatory diagram of FIG. 7(a). Therefore, the center coordinates (
6,4), size is displayed as A5.

Next, the teller looks at the still image on the display 41 and inputs the zoom specification data of the center coordinates and size of the area on the slip entry surface to be enlarged from the keyboard 44 (S-
2). For example, if you want to expand the range of the broken line in Figure 7(a), visually measure the center coordinates (3, 2), the size A7
Enter It is sufficient for this instruction to be enlarged to the extent that the necessary portions can be confirmed, so there is no need to strictly specify numerical values.

The zoom specification data of the center coordinates and size entered above is sent to the operation control unit 4 of the remote processing device 4 as a zoom command.
6 through the communication line 3 to the transaction control unit 16 of the automated transaction device 1 (S-3).

Then, the transaction control unit 16 sends a zoom request including zoom designation data to the image/audio control unit 23 of the slip reading device 2 (S-4).

Upon receiving the zoom request, the image/audio control unit 23 moves the document photographing camera 21 and the document 54 based on a preset block diagram, and changes the optical axis of the zoom lens 2]a to the center coordinates ( 3. Align it to the position corresponding to 2). At the same time, the zoom lens 21a is zoomed to match the size of the 1 meter area to the size A7 of the zoom designation data (S-5). In the block diagram of this embodiment, +6V is applied to the drive mechanism of the zoom lens 21a as described above.
This means that a voltage of 100% is applied for 6 seconds.

Thereafter, the zoomed image taken by the slip photographing camera 21 is sent to the remote processing device 4 as described above and reproduced as a still image on the display 41 (S-6). That is, in this case, as shown in the explanatory diagram of FIG. 7(b),
a) The part of the slip entry surface surrounded by the broken line in the middle is enlarged and displayed on the entire display 41. This makes it possible to clearly read the necessary portions of the slip 54.

In addition, as shown in the explanatory opening of FIG. 6(b), the CRT45 has
The center coordinates (3, 2
) and size A7 are displayed.

If you want to enlarge another range, you can continue to specify the center coordinates and size on the format screen.

<Effects of the Invention> As stated above, according to the automatic transaction processing system of the present invention, transaction processing using slips such as opening a new account or canceling a new account, etc.
This can be done from a location different from the location where the automatic transaction device is installed, making it possible to open or cancel new accounts even after financial institution business hours or at unmanned branches. As a result, it is possible to suppress the deterioration of service to customers.

Furthermore, if a zoom function is added to the document photographing camera of this processing system, it is possible to reliably read the written contents of the document and check the stamps.

[Brief explanation of drawings]

FIG. 1 is a block diagram of an embodiment of the present invention, the second factor is a perspective schematic diagram of a slip reading device, FIG. 3 is a perspective schematic diagram of main parts of a slip reading device, and FIGS. ) is a characteristic diagram of the zooming program, Figure 5 is a flowchart of the zoom operation, and Figure 6 (a
), (b) are explanatory diagrams of an instruction screen during zoom operation, and FIGS. 7(a) and (b) are explanatory diagrams of still images during zoom operation. 1... Automatic transaction device, 2... Slip reading device. 21... Slip photographing camera, 23... Image and audio control unit. 3...Communication line, 4...Remote processing device. 41... Display, 43... Image and audio control unit. 44...keyboard, 45.-CRT. 46...Operation control unit, 54...Slip.

Claims (2)

[Claims] (1) An automatic transaction device that automatically processes transactions for customers, a document camera attached to the automatic transaction device that photographs the written side of the document inserted by the customer, and sends out the photographed image as an electrical signal. means connected to the automatic transaction device and the slip reading device through a communication line and reproducing an image of the slip writing surface based on the electrical signal sent from the slip reading device; an automatic transaction processing system comprising: a remote processing device having means for a teller to control the slip reading device by viewing the reproduced image of the slip entry surface; (2) The above-mentioned slip photographing camera is equipped with a zoom lens that automatically zooms based on a preset program, and the above-mentioned slip reading device is equipped with a zoom lens that automatically zooms in accordance with a preset program. 2. The remote processing device further comprises means for a teller to instruct the zooming of the zoom lens of the document photographing camera and the relative position of the camera and the document. Automated transaction processing system as described.