Financial transaction system, money processor, and method for financial transaction

Abstract

To provide a financial transaction system by which a client can smoothly operate a money processor on the basis of contents determined through dialogues between the client and a remote consultant.SOLUTION: The present invention includes: a money processor operated by a client; a remote dialogue system which allows a remote dialogue between the client and a consultant; an output unit of the remote dialogue system for outputting transaction information showing the content of a currency transaction determined by the remote dialogue; an acquisition unit of the currency processor for acquiring transaction information; and a transaction processing unit of the currency processor for executing transaction processing on the basis of the transaction information.SELECTED DRAWING: Figure 3

Description

Technical Field

[0001] The present disclosure relates to a financial transaction system, a currency processing device, and a financial transaction method.

Background Art

[0002] Conventionally, in stores of financial institutions such as banks, a currency processing device as shown in Patent Document 1 is used to manage currency and the like within the store. Generally, the currency processing device is operated by a teller or the like in the store.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In recent years, in banks, due to factors such as labor shortages, work style reforms, and low-profit structures, the labor-saving of stores has been progressing. Also, in the situation where the competition for talent among companies (banks) is intensifying, it has become difficult to secure counselors with high financial literacy. For this reason, such counselors are arranged at desired bases, and the efficiency of operations is progressing, such as the customer who visits the terminal store having a remote dialogue with the counselor. Also, conventionally, a teller or the like in the store operated the currency processing device, but the number of store staff has decreased, and efforts have been started for customers to directly operate the currency processing device.

[0005] A customer and a remote counselor may conduct a remote consultation regarding, for example, financial investment, inheritance, financing, loans, etc., and based on the content determined in the remote consultation, it is conceivable that the customer operates a currency processing device. However, it is also conceivable that the customer is not accustomed to operating the currency processing device. In such a case, a store employee such as a teller is called, and the employee is forced to deal with a customer who has stumbled in operating the currency processing device. At this time, if the consultation content between the customer and the remote counselor is complex, the store employee has to take measures such as making a phone call to confirm with the remote counselor, which may deteriorate the work efficiency of the employee and the counselor, or induce work mistakes by the employee and the counselor.

[0006] An object of the present disclosure is to provide a means for enabling a customer to smoothly proceed with a transaction using a currency processing device based on the content determined in the dialogue between the customer and a remote counselor.

Means for Solving the Problem

[0007] As a means for solving the above problems, a financial transaction system according to a first aspect of the present disclosure includes a currency processing device operated by a customer, a remote dialogue system capable of remote dialogue between the customer, and a counselor who responds to the customer, an output unit provided in the remote dialogue system and outputting transaction information indicating the content of a currency transaction determined in the remote dialogue, an acquisition unit provided in the currency processing device and acquiring the transaction information, and a transaction processing unit provided in the currency processing device and executing a transaction process based on the transaction information.

[0008] In the financial transaction system according to the first aspect, it is preferable that the output unit outputs a graphic indicating the content of the currency transaction as the transaction information, and the acquisition unit is configured to acquire the transaction information by reading the graphic.

[0009] In the financial transaction system according to the first aspect, it is preferable that the output unit is configured to transmit the transaction information to a mobile terminal carried by the customer, and the acquisition unit is configured to acquire the transaction information from the mobile terminal.

[0010] In the financial transaction system according to the first aspect, it is preferable that the remote dialogue system is provided with a customer-side terminal that can communicate with the currency processing device and through which the customer has a remote dialogue with the counselor, and the acquisition unit is configured to acquire the transaction information output by the output unit from the customer-side terminal.

[0011] In the financial transaction system according to the first aspect, it is preferable that the remote dialogue system is provided with a counselor-side terminal through which the counselor has a remote dialogue with the customer, and the output unit is provided in at least one of the customer-side terminal and the counselor-side terminal.

[0012] In the financial transaction system according to the first aspect, it is preferable that the remote dialogue system is provided with a remote operation unit that can communicate with the currency processing device and through which the counselor remotely operates the currency processing device.

[0013] In the financial transaction system according to the first aspect, the output unit is configured to output first customer information for identifying the customer who has had the remote dialogue together with the transaction information, and includes a person identification unit that acquires second customer information for identifying the person operating the currency processing device, and a collation unit that collates the first customer information and the second customer information. The transaction processing unit is configured to execute the transaction processing when the collation unit determines that the first customer information and the second customer information match, and not to execute the transaction processing when the collation unit determines that the first customer information and the second customer information do not match.

[0014] As a means for solving the above problems, a currency processing apparatus according to a second aspect of the present disclosure is a currency processing apparatus operated by a customer, and includes an acquisition unit that acquires transaction information indicating the content of a currency transaction determined in the remote conversation from a remote conversation system that enables remote conversation between the customer and a counselor who responds to the customer, and a transaction processing unit that executes a transaction process based on the transaction information.

[0015] As a means for solving the above problems, a financial transaction method according to a third aspect of the present disclosure is a financial transaction method performed by a currency processing apparatus operated by a customer and a remote conversation system, and includes a remote conversation step in which the customer and a counselor who responds to the customer have a remote conversation in the remote conversation system, an output step in which the remote conversation system outputs transaction information indicating the content of a currency transaction determined in the remote conversation, an acquisition step in which the currency processing apparatus acquires the transaction information, and a transaction processing step in which the currency processing apparatus executes a transaction process based on the transaction information.

[0016] According to the present disclosure, based on the content determined in the conversation between the customer and the remote counselor, the customer can smoothly proceed with the transaction using the currency processing apparatus.

Brief Description of Drawings

[0017]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Figure 6

Figure 7

Figure 8

Embodiments for Carrying Out the Invention

[0018] Hereinafter, the financial transaction system according to the present disclosure will be described with reference to the drawings. It should be noted that the present disclosure is not limited to the following embodiments, and various modifications can be made without departing from the gist thereof.

[0019] 〔Outline of Financial Store〕 The financial transaction system in the present disclosure will be described. FIG. 1 shows an example of a financial store such as a bank branch or a branch office. In the bank illustrated in FIG. 1, a window A for dealing with customers, an automatic transaction booth B, a consultation booth C, and a self-deposit / withdrawal booth D are provided.

[0020] A teller (clerk) in charge of ledger-based transaction processing is permanently stationed at window A. A ledger-based window terminal 3 is arranged at window A.

[0021] The ledger-based window terminal 3 is a terminal that is operated by the teller and manages the customer's account. The ledger-based window terminal 3 is connected to a ledger-based server (not shown) via an in-house network such as a WAN (Wide Area Network) so as to enable data communication. The ledger-based server is arranged, for example, at a head office or a data center in a remote location, and collectively manages information related to ledger processing.

[0022] A plurality of automated teller machines 2 (ATMs) are arranged at the automatic transaction booth B. The automated teller machine 2 is used when an individual customer deposits or withdraws cash from / to a deposit account. The automated teller machine 2 is connected to the ledger-based server via an in-house network so as to enable data communication. When cash deposit / withdrawal is performed at the automated teller machine 2, ledger update processing is also automatically performed. In addition to the automated teller machine 2, a currency exchange machine or an automatic tax and public fund collection machine may be installed.

[0023] The consultation booth C is a space for conducting consultations on, for example, customers' financial investments, inheritance, financing, loans, etc. In the consultation booth C, a customer-side consultation terminal 11 of the remote dialogue system 10 and a printing device 14 (printer) of the remote dialogue system 10 are arranged. The printing device 14 is arranged next to the customer-side consultation terminal 11. The customer-side consultation terminal 11 is an example of the 'customer-side terminal'.

[0024] A currency processing device 1 is arranged in the self-service deposit and withdrawal booth D. In addition to transactions that can be processed by the automated teller machine 2 (ATM), the currency processing device 1 can also perform, for example, large-amount cash transactions (deposit, withdrawal, currency exchange, etc.) that cannot be processed by the automated teller machine 2 (ATM).

[0025] The currency processing device 1 identifies and counts banknotes and coins, classifies them by type, and stores them internally. In addition, the currency processing device 1 stores banded banknotes in a predetermined number per type of banknote (for example, every 100 pieces) internally, and stores packaged coins in a predetermined number per type of coin (for example, every 50 pieces) internally. Packaged coins are those in which the same type of coin is wound around a packaging medium such as paper or film, and are what is called a so-called coin roll. For this reason, the currency processing device 1 can perform deposit and withdrawal processing and currency exchange processing of a large amount of banknotes and a large amount of coins.

[0026] 〔Configuration of the financial transaction system, the first example〕 The first example of the configuration of the financial transaction system will be described based on FIGS. 1 to 4. As shown in FIG. 2, the remote dialogue system 10 of the first example is provided with a customer-side consultation terminal 11, a counselor-side terminal 12, a transaction information server 13, and a printing device 14. The customer-side consultation terminal 11 and the printing device 14 are arranged in the consultation booth C. The counselor-side terminal 12 is arranged, for example, at the head office of a bank, a regional core base, a consultation center, etc. The transaction information server 13 is arranged, for example, at the head office of a bank, a data center, etc. Each of the customer-side consultation terminal 11, the counselor-side terminal 12, the transaction information server 13, and the printing device 14 is connected so as to enable data communication, for example, via an in-house network.

[0027] Note that, as shown in FIG. 1, the remote conversation system 10 is provided with a plurality of customer consultation terminals 11 and a plurality of printing devices 14. Therefore, the remote conversation system 10 of the present disclosure may be configured to include a plurality of counselor terminals 12. Further, as a backup for the transaction information server 13, a configuration in which a plurality of servers are provided may be adopted.

[0028] The customer consultation terminal 11 has a camera, a monitor (including a monitor with a touch panel function), a microphone, a speaker, etc. A remote counselor is displayed on the monitor of the customer consultation terminal 11. The customer consultation terminal 11 is for a customer to have a remote conversation with a counselor.

[0029] The counselor terminal 12 has a camera, a monitor (including a monitor with a touch panel function), a microphone, a speaker, a keyboard, etc. A customer in the store is displayed on the monitor of the counselor terminal 12. The counselor terminal 12 is for a counselor to have a remote conversation with a customer.

[0030] By using the remote conversation system 10, a customer and a counselor at the head office can have a conversation regarding highly sophisticated consultation content such as financial investment, inheritance, financing, loans, etc., and can also perform mutual display of documents and screens. Therefore, a bank or the like only needs to arrange counselors with a high level of financial literacy at desired bases. This reduces the burden of securing personnel at the terminal stores and makes it difficult for the customer service quality to vary among the stores.

[0031] Note that each of the customer consultation terminal 11 and the counselor terminal 12 may be a stationary terminal or a tablet terminal. Further, the customer consultation terminal 11 may be provided with a plurality of monitors including a monitor for displaying the counselor and a monitor for displaying materials on the screen. In addition, a configuration may be adopted in which the counselor terminal 12 can remotely operate the customer consultation terminal 11.

[0032] Records of conversations between customers and counselors, and information indicating the content determined based on such conversations are stored in the transaction information server 13. The transaction information server 13 is provided with a storage unit 13A and a collation unit 13B (described later). The counselor-side terminal 12 is provided with an output unit 12A.

[0033] The storage unit 13A is a storage medium including at least one of a volatile memory, a non-volatile memory, a hard disk drive, etc. The output unit 12A is at least one of an input interface (including a keyboard and touch panel buttons) for an operation screen on the counselor-side terminal 12, a communication module, etc. When a counselor inputs and saves counseling content on the counselor-side terminal 12, transaction information indicating the counseling content is transferred from the output unit 12A to the storage unit 13A and stored as a database in the storage unit 13A.

[0034] The printing device 14 is, for example, an inkjet printer or a laser printer, and prints counseling content, etc. on paper. The printing device 14 is arranged in the counseling booth C. Therefore, the customer can receive a confirmation document of counseling content, etc. printed by the printing device 14.

[0035] In a conventional store, the currency processing device 1 was arranged in a backyard or the like where customers could not enter and was operated by staff such as tellers. However, in recent years, due to factors such as labor shortages, work style reforms, and low-profit structures in banks, the labor-saving of stores has been progressing. For this reason, efforts have been made to install the currency processing device 1 in an area where customers can enter and have customers directly operate the currency processing device 1 themselves. Note that the currency processing device 1 may also be operated by staff.

[0036] When a customer has a conversation with a remote counselor in the counseling booth C and currency processing (deposit, withdrawal, exchange, account transfer, etc.) is required based on the content determined based on the conversation, it is conceivable that the customer operates the currency processing device 1 to conduct a currency transaction. At this time, if the customer is not used to operating the currency processing device 1, it is conceivable that the store staff rushes to the customer and assists the user with the operation of the currency processing device 1, etc.

[0037] However, due to the recent decline in the working-age population and the impact of work-style reforms, etc., store clerks and the like are often required to handle a wide variety of tasks with limited staff and within limited working hours, and are often constantly busy. In such a situation, if a store clerk assists a customer, it is conceivable that the store clerk will need to perform extra tasks such as contacting the counselor by phone to confirm the details of the consultation, which will increase the workload of the store clerk and may lead to business mistakes. Therefore, in the present disclosure, a configuration for preventing a customer who has consulted with a remote counselor at the consultation booth C from stumbling in the operation of the currency processing device 1 will be described based on the drawings of FIGS. 2 to 4.

[0038] As shown in FIG. 2, the currency processing device 1 is provided with an acquisition unit 1A, an identification unit 1B, a communication unit 1C, and a transaction processing unit 1D. The acquisition unit 1A is, for example, a barcode reader or a two-dimensional code reader. The identification unit 1B is at least one of, for example, a biometric authentication sensor such as a face authentication or fingerprint authentication, a reading device for possession authentication using a bankbook, a cash card, a public identity card (for example, a driver's license or a passport), etc., and an input device for knowledge authentication using a password, a phone number, etc. The identification unit 1B acquires second customer information for identifying a person operating the currency processing device 1. The identification unit 1B corresponds to the 'person identification unit'.

[0039] Note that the acquisition unit 1A and the identification unit 1B may be configured to be retrofittable to an existing currency processing device 1. In this case, the firmware and software of the existing currency processing device 1 are updated to support the functions of the acquisition unit 1A and the identification unit 1B. Thereby, banks and the like do not need to replace the currency processing device 1.

[0040] Although details will be described later, when the currency processing device 1 acquires second customer information by the identification unit 1B, it makes an inquiry communication for identity verification from the communication unit 1C to the verification unit 13B of the transaction information server 13. Then, the verification unit 13B verifies the customer information (first customer information) associated with the transaction information and the person (second customer information) operating the currency processing device 1.

[0041] The transaction processing unit 1D executes currency transaction processing (deposit, withdrawal, exchange, account transfer, etc.) based on transaction information.

[0042] Figure 3 shows the actions of the customer and the remote counselor, the automatic processing by the remote dialogue system 10, and the automatic processing by the currency processing device 1 in chronological order. Also, Figure 4 shows, in a flowchart, the processing when the operation of the currency processing device 1 becomes necessary based on the dialogue between the customer and the remote counselor.

[0043] As shown in "Action #01" in Figure 3, the customer first applies for consultation to a staff member or the like at window A. Then, the customer is guided by a staff member or the like in the store to consultation booth C and has a remote consultation with the remote counselor (Action #02 in Figure 3). At this time, the customer and the counselor who responds to the customer have a remote dialogue (remote consultation) through the remote dialogue system 10. When the transaction details are determined based on the remote dialogue, the counselor registers the transaction information together with the customer information (primary customer information) in the database (Action #03 in Figure 3). The customer information includes the name, account information, etc. Note that this consultation application may be received by an automatic reception device instead of a manned window and guided to the consultation booth.

[0044] With the execution of "Action #03", "Automatic Processing #01" in Figure 3 is started. "Action #03" and "Automatic Processing #01" will be explained by applying them to the flowchart in Figure 4. When the transaction details are determined between the customer and the counselor (Step #01 in Figure 4), the counselor registers the transaction information (transaction information corresponding to the determined transaction details) together with the customer information (primary customer information) in the database (Step #02 in Figure 4). Specifically, when the counselor inputs and saves the transaction information on the counselor-side terminal 12, as shown in "Automatic Processing #01" in Figure 3, the output unit 12A outputs the transaction information indicating the content of the currency transaction determined based on the remote dialogue to the transaction information server 13. The transaction information output to the transaction information server 13 is stored as a database in the storage unit 13A.

[0045] Simultaneously with the processing of "Step #02" or when the registration of transaction information based on "Step #02" is completed, as shown in "Automatic Processing #01" of FIG. 3, the output unit 12A outputs a graphic indicating the content of the currency transaction as transaction information to the printing device 14 (Step #03 in FIG. 4). Then, the printing device 14 prints a transaction slip with the graphic described thereon according to the output from the output unit 12A. The customer receives the transaction slip printed by the printing device 14 (Action #04 in FIG. 3).

[0046] The graphic described on the transaction slip is, for example, a two-dimensional code such as a QR code (registered trademark) or a data matrix, a barcode, or a color code. The transaction information recorded in the graphic includes the transaction type (deposit, withdrawal, currency exchange, account transfer, etc.), the transaction amount, the transfer destination information, etc. In addition, on the transaction slip, a part of the transaction information and handling precautions (for example, "Please let the currency processing device read the following code.") are printed in characters so that the customer can visually confirm them.

[0047] When the customer receives the transaction slip, the customer moves to the self-deposit / withdrawal booth D and has the currency processing device 1 read the graphic on the transaction slip (Action #05 in FIG. 3). When the currency processing device 1 reads the graphic, "Automatic Processing #02" in FIG. 3 is started.

[0048] "Automatic Processing #02" in FIG. 3 will be described based on "Step #04" to "Step #10" in FIG. 4. The currency processing device 1 acquires the graphic information by the acquisition unit 1A. That is, the acquisition unit 1A shown in the first example is configured to acquire transaction information by reading the graphic.

[0049] When the acquisition unit 1A acquires the information of the graphic indicating the content of the currency transaction (Step #04 in FIG. 4), the control device of the currency processing device 1 determines whether the specifying unit 1B has acquired the second customer information for specifying the person operating the currency processing device 1 (Step #05 in FIG. 4). If the second customer information is not acquired by the specifying unit 1B (Step #05 in FIG. 4: No), the determination in "Step #05" is repeated until the second customer information is acquired by the specifying unit 1B.

[0050] When the acquisition of the second customer information by the specific unit 1B is completed (step #05: Yes in FIG. 4), the control device of the currency processing apparatus 1 transmits the second customer information and the transaction information acquired from the figure to the transaction information server 13 via the communication unit 1C (see FIG. 2). At this time, the control device of the currency processing apparatus 1 makes a request to the transaction information server 13 to transmit a collation request between the customer information (first customer information) associated with the transaction information and the person (second customer information) operating the currency processing apparatus 1 (step #06 in FIG. 4).

[0051] The transaction information server 13 is provided with a collation unit 13B shown in FIG. 2. In the collation unit 13B, the process of "step #07" in FIG. 4 is executed. To elaborate on the process of "step #07", the collation unit 13B searches for unprocessed transaction information in the database, for example, and collates whether it hits the data of the same transaction information as the transaction information received from the currency processing apparatus 1. When data of the same transaction information as the transaction information received from the currency processing apparatus 1 is found in the database, the collation unit 13B collates whether the first customer information associated with the transaction information in the database matches the second customer information received from the currency processing apparatus 1. If the first customer information and the second customer information match in "step #07", the collation unit 13B transmits a response of "match" collation information to the currency processing apparatus 1. If the same transaction information as the transaction information received from the currency processing apparatus 1 is not found in the database, or if the first customer information and the second customer information do not match even when the same transaction information is found in the database, the collation unit 13B transmits a response of "mismatch" collation information to the currency processing apparatus 1.

[0052] After the currency processing device 1 sends a request for verification in the process of "Step #06", the currency processing device 1 determines whether the communication unit 1C has received verification information from the transaction information server 13 (Step #08 in FIG. 4). Note that in "Step #08", it is also determined whether the verification information is "matched" or "not matched". If the verification information has not been received, the determination in "Step #08" is repeated within a preset response waiting time (Step #08 in FIG. 4: waiting for response). At this time, the currency processing device 1 is in a state of waiting for a response from the transaction information server 13.

[0053] When it is determined that the communication unit 1C has received "matched" verification information from the transaction information server 13 (Step #08 in FIG. 4: matched), the transaction processing unit 1D of the currency processing device 1 executes transaction processing (deposit processing, withdrawal processing, exchange processing, account transfer processing, etc.) based on the transaction information (Step #09 in FIG. 4). At this time, as shown in "Action #06" in FIG. 3, the customer, if necessary, inserts currency for deposit or exchange into the currency processing device 1, receives withdrawn or exchanged currency from the currency processing device 1, or performs a final approval operation for account transfer.

[0054] On the other hand, when the communication unit 1C receives "not matched" verification information from the transaction information server 13 or the response waiting from the transaction information server 13 times out (Step #08 in FIG. 4: not matched, timeout), the withdrawal processing of the currency processing device 1 is not performed. At this time, a message indicating transaction failure or a message prompting to start the operation from the beginning is displayed on the display device (not shown) of the currency processing device 1. Also, a process of notifying the staff from the currency processing device 1 may be performed.

[0055] That is, the transaction processing unit 1D is configured to execute transaction processing when the collation unit 13B determines that the first customer information and the second customer information match, and not to execute transaction processing when the collation unit 13B determines that the first customer information and the second customer information do not match.

[0056] When the transaction process is completed, the communication unit 1C transmits completion information indicating that the transaction process has been completed to the transaction information server 13 (step #10 in FIG. 4). Then, the transaction information server 13 overwrites the processed information on the transaction information corresponding to the completion information among the transaction information on the database. Based on this processed information, for example, a counselor, a terrorist, etc. can execute the account processing of the customer's account. For example, when "Action #06" in FIG. 3 is completed, a counselor, a terrorist, etc. may perform the debit processing.

[0057] 〔Configuration of Financial Transaction System, Second Example〕 A second example of the configuration of the financial transaction system will be described with reference to FIGS. 5 to 8. FIG. 5 shows, as in FIG. 1, an example of a financial store such as a bank branch or a satellite office. In the example shown in FIG. 5, the counseling booth C is not provided with a printing device 14. Instead, an adjacent dialogue terminal 15 of the remote dialogue system 10 is arranged in the self-service deposit / withdrawal booth D. The adjacent dialogue terminal 15 is an example of the 'customer-side terminal'.

[0058] As shown in FIG. 6, the remote dialogue system 10 of the second example includes a customer-side counseling terminal 11, a counselor-side terminal 12, an adjacent dialogue terminal 15, and a storage unit 16. Similar to the above-described first example, the customer-side counseling terminal 11 is arranged in the counseling booth C, and the counselor-side terminal 12 is arranged in the head office, the regional core base, the counseling center, etc. The adjacent dialogue terminal 15 is arranged next to the currency processing device 1. The storage unit 16 is arranged, for example, in the head office of the bank, the data center, etc., and stores account information, customer information (primary customer information), etc. in the database. The storage unit 16 may be a storage medium including at least one of a volatile memory, a non-volatile memory, a hard disk drive, etc., or may be a server having the storage medium. The storage unit 16 may be provided in the customer-side counseling terminal 11, the counselor-side terminal 12, or the adjacent dialogue terminal 15.

[0059] Each of the customer-side counseling terminal 11, the counselor-side terminal 12, the adjacent dialogue terminal 15, and the storage unit 16 is connected so as to enable data communication via, for example, an in-house network. Separately from the in-house network, the currency processing device 1 and the adjacent dialogue terminal 15 are connected so as to enable data communication with each other.

[0060] Note that, similar to the first example, the remote dialogue system 10 in the second example may be configured to include a plurality of counselor-side terminals 12. Also, for backup of the storage unit 16, a configuration including a plurality of servers may be adopted.

[0061] Similar to the first example, a customer and a counselor at the head office communicate with each other using the customer consultation terminal 11 and the counselor-side terminal 12. Note that the counselor-side terminal 12 in the second example is provided with a remote operation unit 12B, which will be described later.

[0062] The adjacent dialogue terminal 15 has a camera, a monitor, a microphone, a speaker, etc. The counselor is displayed on the monitor of the adjacent dialogue terminal 15. Therefore, the customer can operate the currency processing device 1 while communicating with the counselor via the adjacent dialogue terminal 15 in the self-service deposit and withdrawal booth D. That is, the adjacent dialogue terminal 15 is capable of communicating with the currency processing device 1 and enables the customer to have a remote dialogue with the counselor.

[0063] The adjacent dialogue terminal 15 has a function of receiving transaction information from the counselor-side terminal 12 and transferring the transaction information to the currency processing device 1. The currency processing device 1 in the second example is provided with an acquisition unit 1A, but the acquisition unit 1A in the second example is configured to acquire transaction information through data communication with the adjacent dialogue terminal 15 and does not have a scanning function such as a barcode reader, for example. In other words, the acquisition unit 1A in the second example also serves as a 'communication unit'. The acquisition unit 1A is configured to acquire the transaction information output by the output unit 12A of the counselor-side terminal 12 from the adjacent dialogue terminal 15.

[0064] Then, the transaction processing unit 1D executes currency transaction processing (deposit, withdrawal, exchange, account transfer, etc.) based on the transaction information acquired by the acquisition unit 1A.

[0065] In addition, when the control device of the existing currency processing apparatus 1 does not support communication with the adjacent dialogue terminal 15, the firmware and software of the existing currency processing apparatus 1 are updated to support communication with the adjacent dialogue terminal 15. As a result, a configuration in which a bank or the like can cause the currency processing apparatus 1 to acquire transaction processing from the adjacent dialogue terminal 15 without replacing the currency processing apparatus 1 becomes possible.

[0066] The adjacent dialogue terminal 15 is provided with a specifying unit 15A, a collating unit 15B, and a remote operation unit 15C (to be described later). The specifying unit 15A is, for example, a sensor for biometric authentication such as face authentication or fingerprint authentication. The specifying unit 15A acquires second customer information for specifying a person who operates the currency processing apparatus 1. The specifying unit 15A corresponds to the 'person specifying unit'.

[0067] The collating unit 15B reads out customer information (first customer information) corresponding to the transaction information from the storage unit 16, and collates the first customer information with the second customer information acquired by the specifying unit 15A. The collation result of the collating unit 15B is displayed on the monitor of the counselor-side terminal 12.

[0068] FIG. 7 shows, in chronological order, the respective actions of the customer and the remote counselor, the automatic processing by the remote dialogue system 10, and the automatic processing by the currency processing apparatus 1. FIG. 8 shows, in a flowchart, the processing when an operation of the currency processing apparatus 1 becomes necessary based on the dialogue between the customer and the remote counselor.

[0069] As shown in 'Action #11' in FIG. 7, the customer first makes a consultation application to a clerk or the like at window A. Then, the customer is guided to consultation booth C by a clerk or the like in the store and has a remote consultation (remote counseling) with the remote counselor (Action #12 in FIG. 7). At this time, the customer and the counselor who responds to the customer have a remote dialogue through the remote dialogue system 10. When the transaction details are determined based on the remote consultation, the counselor registers the transaction information together with the customer information (first customer information) in the database (Action #13 in FIG. 7). Incidentally, this consultation application may be received by an automatic reception device instead of a manned window and guided to the consultation booth.

[0070] When "Action #13" is performed, "Automatic Process #11" in FIG. 7 is started. "Action #13" and "Automatic Process #11" will be described by applying them to the flowchart in FIG. 8. When the transaction details are determined between the customer and the counselor (Step #21 in FIG. 8), the counselor registers the transaction information (transaction information corresponding to the determined transaction details) in the database together with the customer information (primary customer information) (Step #22 in FIG. 8). When the counselor inputs and saves the transaction information on the counselor-side terminal 12, as shown in "Automatic Process #11" in FIG. 7, the output unit 12A outputs the transaction information indicating the content of the currency transaction determined based on the remote conversation to the currency processing device 1 (Step #23 in FIG. 8), and transmits the primary customer information identifying the customer who had the remote conversation to the adjacent conversation terminal 15 (Step #24 in FIG. 8).

[0071] Here, the currency processing device 1 is not directly connected to the in-house network but is connected to the adjacent conversation terminal 15. Therefore, in "Step #23", the output unit 12A transmits the transaction information to the adjacent conversation terminal 15. Then, the adjacent conversation terminal 15 transfers the transaction information received from the output unit 12A to the currency processing device 1. From this, the output unit 12A outputs the transaction information and the primary customer information to the adjacent conversation terminal 15.

[0072] The transaction information includes the transaction type (deposit, withdrawal, exchange, account transfer, etc.), the transaction amount, the transfer destination information, etc. The primary customer information is stored in the storage unit 16. The primary customer information includes the name, account information, etc. The output unit 12A reads the primary customer information from the storage unit 16 and outputs it to the adjacent conversation terminal 15 together with the transaction information.

[0073] When the customer receives the transaction slip, the customer moves to the self-deposit / withdrawal booth D (Action #14 in FIG. 7). Then, when the customer moves in front of the adjacent conversation terminal 15, the customer is imaged by the camera of the adjacent conversation terminal 15, and the image of the imaged customer is displayed on the monitor of the counselor-side terminal 12. At this time, the image of the counselor is displayed on the monitor of the adjacent conversation terminal 15, enabling the customer and the counselor to have a conversation. At this time, "Automatic Process #12" in FIG. 7 is started.

[0074] "Automatic Process #12" in Fig. 7 mainly involves the processing of the currency processing device 1 and the adjacent interactive terminal 15. When the currency processing device 1 receives transaction information from the output unit 12A via the adjacent interactive terminal 15 (step #41 in Fig. 8), the control device of the currency processing device 1 determines whether the identity verification process by the adjacent interactive terminal 15 has been completed and the transaction process is permitted (step #42 in Fig. 8). If the identity verification process by the adjacent interactive terminal 15 is not completed, the determination in "step #42" in Fig. 8 is No, and the determination process of "step #42" is repeated.

[0075] When the adjacent interactive terminal 15 receives the first customer information from the output unit 12A (step #31 in Fig. 8), the control device of the adjacent interactive terminal 15 determines whether the identification unit 15A has obtained the second customer information for identifying the person standing in front of the currency processing device 1 (the person operating the currency processing device 1) (step #32 in Fig. 8). If the second customer information has not been obtained by the identification unit 15A (step #32 in Fig. 8: No), the process of "step #32" is repeated until the second customer information is obtained by the identification unit 15A.

[0076] When the acquisition of the second customer information by the identification unit 15A is completed (step #32 in Fig. 8: Yes), the verification unit 15B verifies the first customer information and the second customer information (step #33 in Fig. 8). Since the camera of the adjacent interactive terminal 15 is capturing the customer, the customer's video is displayed on the monitor of the counselor-side terminal 12. From this, the counselor can verify the identity of the customer in real time on the monitor of the counselor-side terminal 12, and further, the identity can be verified by the verification by the verification unit 15B. That is, in the configuration of the second example, double-check of identity verification is possible by the verification by the verification unit 15B and the face-to-face confirmation between the counselor and the customer via the adjacent interactive terminal 15.

[0077] In "Step #34" of FIG. 8, it is determined whether the collation information output from the collation unit 15B, that is, whether the first customer information and the second customer information match. This determination may be made automatically. Alternatively, a counselor may check the collation information and perform a final check through face-to-face confirmation using the adjacent dialogue terminal 15, and make a Yes or No determination on the operation screen of the counselor-side terminal 12.

[0078] When the determination in "Step #34" is No, the transaction process is not executed in the currency processing device 1. When the determination in "Step #34" is Yes, the control device of the adjacent dialogue terminal 15 transmits a permission signal for permitting the transaction process to the currency processing device 1 (Step #35 in FIG. 8). That is, if the identity verification process is completed, the determination in "Step #34" becomes Yes, and the transaction process of the currency processing device 1 is permitted.

[0079] Therefore, the transaction processing unit 1D is configured to execute the transaction process when the collation unit 13B determines that the first customer information and the second customer information match, and not to execute the transaction process when the collation unit 13B determines that the first customer information and the second customer information do not match.

[0080] When the transaction process of the currency processing device 1 is permitted in "Step #35" of FIG. 8, the determination in "Step #42" of FIG. 8 becomes Yes. Then, the customer performs operations such as final confirmation while operating the currency processing device 1 (Action #14 in FIG. 7). At this time, the control device of the currency processing device 1 determines whether the operations such as the customer's final confirmation are completed (Step #43 in FIG. 8). At this time, the counselor supports the customer's operation of the currency processing device 1 while communicating with the customer via the counselor-side terminal 12 and the adjacent dialogue terminal 15 (Action #15 in FIG. 7).

[0081] At this time, the control device of the currency processing device 1 communicates with the remote operation unit 15C of the adjacent dialogue terminal 15. The control device of the currency processing device 1 can transmit information regarding the operation screen of the currency processing device 1 to the remote operation unit 15C in response to a request from the remote operation unit 15C. When the remote operation unit 15C of the adjacent dialogue terminal 15 receives information regarding the operation screen of the currency processing device 1 from the acquisition unit 1A (communication unit), it transmits the information regarding the operation screen of the currency processing device 1 to the remote operation unit 12B of the counselor-side terminal 12. Therefore, when a customer stumbles in operating the currency processing device 1, the counselor can remotely operate the currency processing device 1 using the remote operation unit 12B. That is, the remote dialogue system 10 is provided with a remote operation unit 15C that can communicate with the currency processing device 1 and that enables the counselor to remotely operate the currency processing device 1.

[0082] If an operation such as the customer's final confirmation has not been completed (step #43 in FIG. 8: No), the control device of the currency processing device 1 repeats the determination in step #43 and accepts a remote operation as necessary (step #44 in FIG. 8). As a result, in "Action #15" in FIG. 7, when the counselor is unable to fully support the customer's operation of the currency processing device 1, the counselor remotely operates the currency processing device 1 as necessary.

[0083] When it is determined that an operation such as the customer's final confirmation has been completed (step #43 in FIG. 8: Yes), the transaction processing unit 1D of the currency processing device 1 executes transaction processing (deposit processing, withdrawal processing, exchange processing, account transfer processing, etc.) based on the transaction information (step #45 in FIG. 8). At this time, as shown in "Action #16" in FIG. 7, the customer deposits currency for deposit or exchange into the currency processing device 1 or receives withdrawn or exchanged currency from the currency processing device 1 as necessary.

[0084] When the transaction process is completed, the acquisition unit 1A (communication unit) transmits completion information indicating that the transaction process has been completed to the adjacent dialogue terminal 15 (step #46 in FIG. 8). Then, the adjacent dialogue terminal 15 transmits the completion information to the counselor-side terminal 12 and the storage unit 16. Based on the information of this completion information, for example, a counselor or a terrorist can execute the account processing of the customer's account. For example, when "Action #16" in FIG. 3 is completed, a counselor or a terrorist may perform the accounting process for withdrawal.

[0085] 〔Operational effects of the embodiment〕 In the financial transaction system according to the first aspect of the present disclosure, a currency processing device 1 operated by a customer and a remote dialogue system 10 capable of remote dialogue between the customer and a counselor who responds to the customer are provided. Further, the remote dialogue system 10 is provided with an output unit 12A that outputs transaction information indicating the content of the currency transaction determined in the remote dialogue. And the currency processing device 1 is provided with an acquisition unit 1A that acquires the transaction information and a transaction processing unit 1D that executes a transaction process based on the transaction information.

[0086] With the above configuration, when the customer and the counselor have a remote dialogue in the remote dialogue system 10 and a currency transaction is determined in the remote dialogue, the currency processing device 1 can acquire transaction information indicating the content of the currency transaction. And by the currency processing device 1 executing a transaction process based on the transaction information, even when the customer is not accustomed to operating the currency processing device 1, a configuration can be achieved that limits the operation of the currency processing device 1 by the customer to a minimum of simple operations. Thereby, based on the content determined in the dialogue between the customer and the remote counselor, the customer can smoothly proceed with the transaction using the currency processing device 1.

[0087] In the financial transaction system according to the first aspect of the present disclosure, the output unit 12A is configured to output a graphic indicating the content of the currency transaction as transaction information, and the acquisition unit 1A is configured to acquire the transaction information by reading the graphic.

[0088] With the above configuration, the transaction details are shown in a graphic. Therefore, for example, a customer can cause the acquisition unit 1A to acquire the said graphic, and the transaction process by the currency processing device 1 is executed. As a result, the customer can proceed with transactions more smoothly using the currency processing device 1.

[0089] In the financial transaction system according to the first aspect of the present disclosure, the remote dialogue system 10 is provided with an adjacent dialogue terminal 15 (customer-side terminal) that can communicate with the currency processing device 1 and through which a customer has a remote dialogue with a counselor. The acquisition unit 1A is configured to acquire the transaction information output by the output unit 12A from the adjacent dialogue terminal 15 (customer-side terminal).

[0090] With the above configuration, the transaction information is output to the acquisition unit 1A via the adjacent dialogue terminal 15 (customer-side terminal). Therefore, it is possible to configure the operation of the currency processing device 1 by the customer to be a minimal and simple operation. The customer can proceed with transactions more smoothly using the currency processing device 1.

[0091] In the financial transaction system according to the first aspect of the present disclosure, the remote dialogue system 10 is provided with a remote operation unit 12C that can communicate with the currency processing device 1 and through which a counselor remotely operates the currency processing device 1.

[0092] With the above configuration, the counselor can remotely operate the currency processing device 1. Therefore, the customer can have the transaction process by the currency processing device 1 executed without particularly operating the currency processing device 1. As a result, the risk that the customer stumbles and gets stuck in operating the currency processing device 1 is avoided.

[0093] In the financial transaction system according to the first aspect of the present disclosure, the output unit 12A is configured to output first customer information identifying a customer who has had a remote conversation, together with transaction information. Further, there are provided a specifying unit 1B, 15A (person specifying unit) that acquires second customer information identifying a person who operates the currency processing device 1, and a collating unit 13B, 15B that collates the first customer information and the second customer information. Then, the transaction processing unit 1D is configured to execute transaction processing when the collating unit 13B, 15B determines that the first customer information and the second customer information match, and not to execute transaction processing when the collating unit 13B, 15B determines that the first customer information and the second customer information do not match.

[0094] With the above configuration, transaction processing is executed only when the first customer information and the second customer information match. For this reason, unexpected transaction processing due to a customer's operation error can be avoided. In addition, the deterrent force against unauthorized use of the currency processing device 1 is further enhanced.

[0095] The currency processing device 1 according to the second aspect of the present disclosure includes an acquisition unit 1A that acquires transaction information indicating the content of a currency transaction determined in a remote conversation from a remote conversation system 10 that enables a remote conversation between a customer and a counselor who responds to the customer, and a transaction processing unit 1D that executes transaction processing based on the transaction information.

[0096] With the above configuration, when the customer and the counselor have a remote conversation on the remote conversation system 10 and a currency transaction is determined in the remote conversation, the currency processing device 1 can acquire transaction information indicating the content of the currency transaction. Then, by the currency processing device 1 executing transaction processing based on the transaction information, even when the customer is not used to operating the currency processing device 1, it is possible to configure the operation of the currency processing device 1 by the customer to be limited to a minimum of simple operations. As a result, based on the content determined in the conversation between the customer and the remote counselor, the customer can smoothly proceed with the transaction using the currency processing device 1.

[0097] [Other Embodiments] The present disclosure is not limited to the configurations illustrated in the above first and second examples. Hereinafter, representative alternative embodiments of the present disclosure will be illustrated.

[0098] (1) It is not limited to the above-described embodiments. For example, a dedicated application may be installed on a customer's mobile terminal (e.g., a smartphone or a tablet terminal), and the output unit 12A may be configured to transmit transaction information to the mobile terminal carried by the customer. In this case, the acquisition unit 1A may be configured to acquire transaction information from the mobile terminal. As a method for the acquisition unit 1A to acquire transaction information from the mobile terminal, for example, it may be configured to scan a graphic (two-dimensional code, bar code, color code, etc.) displayed on the monitor screen of the mobile terminal, or the currency processing device 1 and the customer's mobile terminal may be configured to perform wireless communication (e.g., short-range wireless communication of 2.4 GHz or 5 GHz). The mobile terminal carried by the customer is an example of the 'customer-side terminal'.

[0099] (2) In the financial transaction system of the present disclosure, the remote dialogue system 10 is provided with a counselor-side terminal 12 for a counselor to have a remote dialogue with a customer, and the output unit 12A is provided on the counselor-side terminal 12. It is not limited to this embodiment, and a configuration in which an output unit is also provided on the customer-side counseling terminal 11 may be adopted. That is, the output unit may be configured to be provided on at least one of the customer-side counseling terminal 11 and the counselor-side terminal 12. The output unit may be provided on the adjacent dialogue terminal 15. In short, the output unit may be configured to output transaction information that can be acquired by the acquisition unit 1A of the currency processing device 1.

[0100] (3) In the above financial transaction system, a financial transaction method performed by the currency processing device 1 and the remote interaction system 10 operated by the customer is used. The step of the customer and the counselor who responds to the customer having a remote interaction through the remote interaction system 10, as shown in "Action #02" in FIG. 3 and "Action #12" in FIG. 7, corresponds to the "Remote Interaction Step" in the financial transaction method according to the third aspect of the present disclosure. The step of the output unit 12A that outputs transaction information indicating the content of the currency transaction determined in the remote interaction, as shown in "Step #03" in FIG. 4 and "Step #23" in FIG. 8, corresponds to the "Output Step" in the financial transaction method according to the third aspect of the present disclosure. The step of the acquisition unit 1A of the currency processing device 1 acquiring the transaction information, as shown in "Step #04" in FIG. 4 and "Step #41" in FIG. 8, corresponds to the "Acquisition Step" in the financial transaction method according to the third aspect of the present disclosure. The step of the transaction processing unit 1D that executes transaction processing based on the transaction information, as shown in "Step #09" in FIG. 4 and "Step #45" in FIG. 8, corresponds to the "Transaction Processing Step" in the financial transaction method according to the third aspect of the present disclosure.

[0101] (4) The currency processing device 1 may be equipped with an automatic accounting processing function.

[0102] (5) The customer consultation terminal 11 may be a tablet terminal that the customer can carry in the store. In this case, the customer consultation terminal 11 may also have the function of the adjacent interaction terminal 15. With this configuration, it is not necessary to arrange the printing device 14 in the consultation booth C, nor is it necessary to arrange the adjacent interaction terminal 15 in the self-service deposit and withdrawal booth D.

[0103] (6) In the above first example, a configuration in which the transaction information server 13 is not provided is also possible. In that case, the storage unit 13A may be provided in the customer consultation terminal 11 or the counselor terminal 12. The verification unit 13B may be provided in the customer consultation terminal 11, the counselor terminal 12, or the currency processing device 1.

[0104] (7) In the above first example, the currency processing device 1 acquires the graphic information of the transaction ticket printed by the printing device 14 by the acquisition unit 1A. In the first example, the adjacent dialogue terminal 15 is not provided adjacent to the self-service deposit and withdrawal booth D, but in the first example, the configuration may be such that the adjacent dialogue terminal 15 is provided adjacent to the self-service deposit and withdrawal booth D. With this configuration, when a customer is confused about the operation of the currency processing device 1, a counselor can assist the customer operating the currency processing device 1 through the adjacent dialogue terminal 15. Also, in the first example as well, similar to the second example, the configuration may be such that a counselor can remotely operate the currency processing device 1 with the remote operation unit 12B.

[0105] Note that the configurations disclosed in the above embodiments (including alternative embodiments, the same applies hereinafter) can be applied in combination with the configurations disclosed in other embodiments as long as no contradiction occurs. Also, the embodiments disclosed in this specification are examples, and the embodiments of the present disclosure are not limited thereto, and can be appropriately modified within the scope not departing from the object of the present disclosure.

Industrial Applicability

[0106] The present disclosure can be applied to a financial transaction system, a currency processing device, and a financial transaction method.

Explanation of Signs

[0107] 1: Currency processing device 1A: Acquisition unit 1B: Identification unit (person identification unit) 1D: Transaction processing unit 10: Remote dialogue system 11: Customer consultation terminal (customer terminal) 12: Counselor terminal 12A: Output unit 12B: Remote operation unit 12C: Remote operation unit 13B: Verification unit 15: Adjacent dialogue terminal (customer terminal) 15A: Identification unit (person identification unit) 15B: Verification unit 15C: Remote operation unit

Claims

1. A currency processing device operated by a customer, A remote conversation system capable of remote conversation between the customer and a counselor who responds to the customer, An output unit provided in the remote conversation system and configured to output transaction information indicating the content of a currency transaction determined in the remote conversation, An acquisition unit provided in the currency processing device and configured to acquire the transaction information, A financial transaction system provided in the currency processing device and including a transaction processing unit configured to execute a transaction process based on the transaction information.

2. The output unit outputs a graphic indicating the content of the currency transaction as the transaction information, The financial transaction system according to claim 1, wherein the acquisition unit is configured to acquire the transaction information by reading the graphic.

3. The output unit is configured to transmit the transaction information to a mobile terminal carried by the customer, The financial transaction system according to claim 1, wherein the acquisition unit is configured to acquire the transaction information from the mobile terminal.

4. The remote conversation system is provided with a customer-side terminal that can communicate with the currency processing device and through which the customer has a remote conversation with the counselor, The financial transaction system according to claim 1, wherein the acquisition unit is configured to acquire the transaction information output by the output unit from the customer-side terminal.

5. The remote conversation system is provided with a counselor-side terminal through which the counselor has a remote conversation with the customer, The financial transaction system according to claim 4, wherein the output unit is provided in at least one of the customer-side terminal and the counselor-side terminal.

6. The financial transaction system according to claim 1, wherein the remote conversation system is capable of communicating with the currency processing device and is provided with a remote operation unit for the counselor to remotely operate the currency processing device.

7. The output unit is configured to output first customer information for identifying the customer who had the remote conversation, together with the transaction information, a person identification unit that acquires second customer information for identifying the person operating the currency processing device, and a verification unit that verifies the first customer information and the second customer information, The transaction processing unit is configured to execute the transaction processing when the verification unit determines that the first customer information and the second customer information match, and not to execute the transaction processing when the verification unit determines that the first customer information and the second customer information do not match. The financial transaction system according to any one of claims 1 to 6.

8. A currency processing device operated by a customer, an acquisition unit that acquires transaction information indicating the content of a currency transaction determined in the remote conversation from a remote conversation system that allows a remote conversation between the customer and a counselor who responds to the customer, and a transaction processing unit that executes a transaction process based on the transaction information. A currency processing device.

9. A financial transaction method performed by a currency processing device operated by a customer and a remote conversation system, a remote conversation step in which the customer and a counselor who responds to the customer have a remote conversation in the remote conversation system, an output step in which the remote conversation system outputs transaction information indicating the content of a currency transaction determined in the remote conversation, an acquisition step in which the currency processing device acquires the transaction information, and a transaction processing step in which the currency processing device executes a transaction process based on the transaction information. A financial transaction method comprising:

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