WO2012084020A1 - Système bancaire distant et procédé associé - Google Patents

Système bancaire distant et procédé associé Download PDF

Info

Publication number
WO2012084020A1
WO2012084020A1 PCT/EP2010/070400 EP2010070400W WO2012084020A1 WO 2012084020 A1 WO2012084020 A1 WO 2012084020A1 EP 2010070400 W EP2010070400 W EP 2010070400W WO 2012084020 A1 WO2012084020 A1 WO 2012084020A1
Authority
WO
WIPO (PCT)
Prior art keywords
remote
terminal
banking system
remote terminal
personnel
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/EP2010/070400
Other languages
English (en)
Inventor
Hakan Aran
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
TURKIYE IS BANKASI AS
Original Assignee
TURKIYE IS BANKASI AS
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by TURKIYE IS BANKASI AS filed Critical TURKIYE IS BANKASI AS
Priority to PCT/EP2010/070400 priority Critical patent/WO2012084020A1/fr
Publication of WO2012084020A1 publication Critical patent/WO2012084020A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/42—Systems providing special services or facilities to subscribers
    • H04M3/50—Centralised arrangements for answering calls; Centralised arrangements for recording messages for absent or busy subscribers ; Centralised arrangements for recording messages
    • H04M3/51—Centralised call answering arrangements requiring operator intervention, e.g. call or contact centers for telemarketing
    • H04M3/5125—Centralised call answering arrangements requiring operator intervention, e.g. call or contact centers for telemarketing with remote located operators
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/42—Systems providing special services or facilities to subscribers
    • H04M3/50—Centralised arrangements for answering calls; Centralised arrangements for recording messages for absent or busy subscribers ; Centralised arrangements for recording messages
    • H04M3/51—Centralised call answering arrangements requiring operator intervention, e.g. call or contact centers for telemarketing
    • H04M3/523—Centralised call answering arrangements requiring operator intervention, e.g. call or contact centers for telemarketing with call distribution or queueing

Definitions

  • Present invention is related to a remote banking system and method in which the system comprises a remote banking terminal.
  • remote bank terminal which enables remote service of a bank employee to a customer, which is residing at a far away location from the bank employee, using audio/visual communication.
  • the remote bank terminals are almost capable of all transaction, those used to be performed by bank cashiers using usual safes and computers. This enables to use remote terminals as "emergency bank cashiers", wherein a customer may be served remotely in case.
  • the system of present invention comprises a central means which identifies workload of bank branches and idle personnel and establishes connections between the remote terminals and personnel terminals of idle personnel. In this manner, central means optimizes the utilization of labour and workload of branches and minimizes the serving time of branches.
  • the method of present invention defines the optimization of the workload within the system of present invention.
  • a remote banking system which comprises at least one remote terminal (4) that is capable of performing bank transactions and a personnel terminal (1 ) which is located in at least a bank branch and is used to connect to a remote terminal (4) to perform transactions remotely, characterized in that it further comprises a central means (2) which identifies work load and customer rate of bank branch, identifies an idle employee by getting information from the bank branch and establishes a remote connection between a personnel terminal (1 ) and a remote terminal (4)" and "a remote banking method for a remote banking system comprising at least a personnel terminal (1 ) and at least a remote terminal (4), characterized in that it comprises the steps of; identification of an overloaded bank branch (5); identification of an employee in an another bank branch and is not busy (6); establishing a connection between a personnel terminal (1 ) of the identified employee and a remote terminal (4) in the overloaded bank branch (7); calling for a customer to perform a transaction using the remote terminal (8) and performing
  • the object of the present invention is to develop a remote banking system and method.
  • Another object of the present invention is to develop a remote banking system and method, which enables management of connection of units comprised by the system.
  • Another object of the present invention is to develop a remote banking system and method, which determines workload of bank branches and bank employees.
  • Another object of the present invention is to develop a remote banking system and method, which optimizes the workload of bank branches and bank employees. Another object of the present invention is to develop a remote banking system and method, which maximizes the efficiency of a labor of a bank.
  • Another object of the present invention is to develop a remote banking system and method, which minimizes the serving time of a bank to a customer.
  • Figure 1 shows an embodiment of the remote banking system.
  • Figure 2 shows a flow diagram of a remote banking system operation.
  • Figure 3 shows a block diagram of a personnel terminal
  • Figure 4 shows a front view of a remote terminal
  • the banking system comprises at least a personnel terminal (1 ) which is used to make bank transactions and at least a remote terminal (4) which is used to perform a transaction by a remotely connection between a personnel terminal (1 ).
  • the personnel terminal (1 ) is a terminal that is connected to a banking system and is capable of performing bank transactions and connecting a remote terminal (4) to perform banking transactions remotely via said remote terminal (4).
  • the remote terminal (4) is a device that is used to handle transactions and serve a customer by the control of an employee that is connected to remote terminal (4) via a personnel terminal (1 ).
  • the system may comprise at least a central means (3) which is connected to personnel terminals (1 ) and remote terminals (4) of all bank branches.
  • Central means (3) identifies work load and customer rate of bank branches, identifies idle employee by getting information and establishes a remote connection between a personnel terminal (1 ) located in a bank branch and a remote terminal (4) located in any bank branch.
  • Managing said connection by central means (3) enable extra labor in an under-loaded bank branch to be employed to handle transactions that is to be performed via a remote terminal (4) in an overloaded bank branch, wherein local employee is not adequate to serve customers in time.
  • the system may further comprise at least a queuing device (2) that is connected to central means (3).
  • the queuing devices (2) in the prior art are employed to direct customers to bank personnel in order to manage the queue in accordance with their priority and type of transaction.
  • the system in the present invention utilizes queuing devices (2) to identify the workload of a bank branch. In this manner, central means (3) is able to obtain workload of several bank offices and optimizes utilization of personnel to appropriate remote terminals (4).
  • the personnel terminal (1 ) is preferably a computer or a thin client that can be both used for local transactions and is capable of remotely connecting a remote terminal (4).
  • An exemplary diagram of a personnel terminal (1 ) is given in figure 3.
  • the personnel terminal (1 ) may comprise at least a camera (19), at least a microphone (17) and an audio output device (18) (i.e. speaker, headphone or earphone).
  • the personnel terminal (1 ) may comprise a videophone (not shown on figures) in order to handle audio/visual communication.
  • the terminal may also comprise input devices such as a keyboard (16) and a pointing device (15) (i.e. mouse).
  • the terminal (1 ) may also comprise a monitor (13) as an output device. All components of the terminal (1 ) are connected to a control unit (14) (i.e. main hardware of a computer in comprising a CPU, RAM, ROM, Hard-drive etc.), wherein the control unit (14) is connected to a communication network to connect to banking systems.
  • a control unit (14) i.e. main hardware of a computer in comprising a CPU, RAM, ROM, Hard-drive etc.
  • the remote terminal (4) is a device, capable of receiving a remote connection and performing bank transactions.
  • An exemplary front view of a remote terminal (4) is given in figure 4.
  • remote terminal (4) comprises at least one cash slot (27) that is capable of ejecting and/or receiving cash.
  • the cash slot (27) may be capable of working with either paper money or coin.
  • the remote terminal (4) preferably comprises at least a cash identification unit (not shown in figures) and/or at least a cash safe (not shown in figures).
  • the remote terminal (4) may comprise at least a screen (26), a camera (26), a microphone (not shown on figure) and/or an audio output device (i.e. a speaker, a headphone, a earphone) (not shown in figures).
  • the remote terminal (4) may comprise at least a videophone (not shown on figures), which comprises a screen (26), a camera (26), a microphone and an audio output device.
  • the remote terminal (4) comprises at least a printer (28) and/or a scanner (24) so that it is possible to print out a document such as a bank receipt and/or acquire a digital copy of a printed document.
  • a document such as a bank receipt and/or acquire a digital copy of a printed document.
  • an identity card of a customer can be scanned and recognized by the remote terminal (4) using the scanner (24) and the digital copy determined by scanner (24) can be used by the bank.
  • the remote terminal (4) may comprise a graphic input device (23) such as a "smart-pen", which can be used to digitize a handwriting. Using a "smart-pen", sign of a customer can be determined while using a remote terminal (4).
  • a graphic input device (23) such as a "smart-pen”
  • sign of a customer can be determined while using a remote terminal (4).
  • the remote terminal (4) may comprise several input and security interfaces known from Automatic Teller Machines (ATMs) such as smart card reader (20), a credit card reader (21 ) and/or a keypad (22).
  • ATMs Automatic Teller Machines
  • the interfaces can be used for transactions done by the remote terminal (4).
  • the present invention further comprises a remote banking method of which a flow chart is given in figure 2.
  • a remote banking method of which a flow chart is given in figure 2.
  • an overloaded bank branch which cannot serve customers in time due to lack of labor is identified (5).
  • an employee that is not busy serving a customer in any branch is identified (6) and personnel terminal (1 ) present in the branch of the employee.
  • a connection is established (7) between the personnel terminal (1 ) of the identified employee and a remote terminal (4) in the overloaded bank branch.
  • a customer (8) is preferably called for to perform the transaction using the remote terminal (4).
  • the transaction is performed (9) by the employee that is connected to remote terminal (4) by communicating the customer in another bank branch using audio and/or visual devices on personnel terminal (1 ) and remote terminal (4).
  • the workload of the branch which comprises the remote terminal (4) is preferably checked (10). If the overload is eliminated, the personnel terminal (1 ) is disconnected (12) from the remote terminal (4). If the overload is not eliminated, remote terminal (4) continues to operate. However, the employee that is employed to operate remote terminal (4) may need to perform transactions in the branch the employee is located. For this reason, it is preferably checked whether the employee is still idle (1 1 ) and can handle a further transaction remotely. If the employee is still idle so that he/she can perform another transaction via remote terminal (4), another customer is called for (8) to the remote terminal (4) to perform a transaction.
  • the employee that is directed to use a remote terminal (4) can be any employee that has a personnel terminal (1 ). In this way, not only bank cashiers but, other employees such as bank center employees and call center personnel may also be employed to use a remote terminal (4) to perform a transaction. Furthermore, a remote terminal (4) and a personnel terminal (1 ) may be located in the same bank branch. In this manner, the utilization of remote terminal (4) can be extended in order for instance to perform transactions of disabled people without any location constraint or secure personnel by determining a separation between a personnel office and pay-desks.
  • the bank branch “A” has 10 employees, all serving as bank cashiers, and 10 remote terminals (4).
  • the bank branch “B” has 40 employees and 2 remote terminals (4).
  • the bank branch “C” has 20 employees and 15 remote terminals (4).
  • branch “B” has 75% extra labor that is idle.
  • branch “B” is under-loaded for the time being.
  • 10 employees of branch “B” are connected to remote terminals (4) of branch “A”.
  • the workload of branch “A” is decreased to 125%.
  • the workload of branch "C” is decreased to approximately 125%.
  • branch "B” has 8 employees serving locally. The workload of branch “B” is increased to 125% and in the end, the serving efficiency maximized and workload is equally distributed between bank branches.
  • management of remote terminals (4) is determined ensuring the optimization of usage of labor of bank branch. This optimization minimizes the serving time of a bank and distributes the workload of bank independent of time and place.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Finance (AREA)
  • Accounting & Taxation (AREA)
  • Human Resources & Organizations (AREA)
  • Signal Processing (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Educational Administration (AREA)
  • Game Theory and Decision Science (AREA)
  • Technology Law (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un système bancaire distant et un procédé concernant des systèmes bancaires distants, qui optimisent l'utilisation de terminaux distants (4) et de terminaux de personnel (1) en utilisant les informations de charge de travail et/ou de taux de clientèle des succursales bancaires dans lesquelles des terminaux distants (4) et des terminaux de personnel (1) sont situés. À cet effet, le système de la présente invention comprend un moyen central (3) qui rassemble les informations de charge de travail des succursales bancaires; identifie le personnel inactif dans les succursales bancaires et établit des connexions entre les terminaux de personnel (1) du personnel inactif et les terminaux distants (4) afin d'optimiser et de répartir de manière égale la charge de travail dans les succursales. De cette manière, le temps de service des succursales bancaires est minimisé et une utilisation efficace du personnel est déterminée.
PCT/EP2010/070400 2010-12-21 2010-12-21 Système bancaire distant et procédé associé Ceased WO2012084020A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/EP2010/070400 WO2012084020A1 (fr) 2010-12-21 2010-12-21 Système bancaire distant et procédé associé

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/EP2010/070400 WO2012084020A1 (fr) 2010-12-21 2010-12-21 Système bancaire distant et procédé associé

Publications (1)

Publication Number Publication Date
WO2012084020A1 true WO2012084020A1 (fr) 2012-06-28

Family

ID=44276051

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/EP2010/070400 Ceased WO2012084020A1 (fr) 2010-12-21 2010-12-21 Système bancaire distant et procédé associé

Country Status (1)

Country Link
WO (1) WO2012084020A1 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2014092664A1 (fr) * 2012-12-13 2014-06-19 Kuveyt Türk Katilim Bankasi Anoni̇m Şi̇rketi̇ Centre d'opérations d'un guichet bancaire pour l'accès à distance, et système d'opérations
US9846906B1 (en) 2013-02-28 2017-12-19 Jpmorgan Chase Bank, N.A. Digital bank branch

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5774663A (en) * 1995-09-05 1998-06-30 Huntington Bancshares, Inc. Personal banker customer management system providing interactive video communication in real time concerning banking information
WO1998044714A1 (fr) * 1997-04-01 1998-10-08 Cosmocom, Inc. Systeme distributeur automatique d'appels pour telecommunications multimedia
WO2010056215A1 (fr) 2008-11-12 2010-05-20 Fintek Finansal Teknoloji Hizmetleri Anonim Sirketi Appareil réalisant des transactions bancaires par conférence vidéo et son procédé

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5774663A (en) * 1995-09-05 1998-06-30 Huntington Bancshares, Inc. Personal banker customer management system providing interactive video communication in real time concerning banking information
WO1998044714A1 (fr) * 1997-04-01 1998-10-08 Cosmocom, Inc. Systeme distributeur automatique d'appels pour telecommunications multimedia
WO2010056215A1 (fr) 2008-11-12 2010-05-20 Fintek Finansal Teknoloji Hizmetleri Anonim Sirketi Appareil réalisant des transactions bancaires par conférence vidéo et son procédé

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2014092664A1 (fr) * 2012-12-13 2014-06-19 Kuveyt Türk Katilim Bankasi Anoni̇m Şi̇rketi̇ Centre d'opérations d'un guichet bancaire pour l'accès à distance, et système d'opérations
US9846906B1 (en) 2013-02-28 2017-12-19 Jpmorgan Chase Bank, N.A. Digital bank branch
US10657589B2 (en) 2013-02-28 2020-05-19 Jpmorgan Chase Bank, N.A. Digital bank branch

Similar Documents

Publication Publication Date Title
US5774663A (en) Personal banker customer management system providing interactive video communication in real time concerning banking information
US20050171907A1 (en) Interconnected remote banking facilities and method
EP3118804B1 (fr) Procédé d'urgence pour service de terminal en libre service et serveur de site
CN111343185A (zh) 一种柜员机交互方法及交互系统
EP1102222A2 (fr) Méthode, système et appareil pour fournir des services interactifs sécurisés à l'aide d'un kiosque modulaire sans supervision
CN101246578A (zh) 三方存管处理系统和方法
CN101452586A (zh) 银行用自动按服务种类分配柜台的智能排队机系统和方法
CN105247584A (zh) 现金和/或财务单据处理系统
CN101201956A (zh) 自动圈存pos和实现电子钱包ic卡自动圈存的系统及方法
WO2012084020A1 (fr) Système bancaire distant et procédé associé
EP2856434B1 (fr) Billetterie vidéo
CN108961606A (zh) 一种自助式金融服务设备及系统
US20070244813A1 (en) System That Realizes Fund Transfer by Mobile Telephone Short Message Confirming Mode and Method Thereof
WO2001084507A1 (fr) Systeme de reconnaissance d'utilisateur pour la commande automatique d'acces, appareils et equipement similaire
CN205608775U (zh) 一种基于厅堂服务的多功能管理系统
JP2013206203A (ja) 障害対応システム、障害対応方法、プログラムおよび自動取引装置
US20230126855A1 (en) Omnichannel system and a method for providing financial and bank services
CN101452616A (zh) 一种自助取款的方法及系统
CN208766784U (zh) 一种无高柜银行营业网点运营系统
KR20130142529A (ko) 유인/무인 겸용 금융자동화기기를 구비한 은행 지점 운영 시스템 및 이를 이용한 금융 서비스 제공 방법
KR101734156B1 (ko) 이동 통신 단말을 이용한 전자 문서 시스템 및 그 처리 방법
EP4567709A1 (fr) Système de transaction financière, appareil de gestion d'argent et procédé de transaction financière
CN101393669A (zh) 银行存款防盗领方法及系统
CN108615313A (zh) 一种atm或crs用外置智能盒
KR20100108859A (ko) 얼굴 이미지를 이용한 순번 대기번호 출력 방법

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 10798322

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 10798322

Country of ref document: EP

Kind code of ref document: A1