TW579486B - Automatic teller machine of financial corporation like banks - Google Patents

Abstract

An automatic teller machine (ATM) of financial corporations like banks comprises a touch screen module, a teller terminal module and a network communication equipment. The ATM of the invention employs the touch screen module installed in the teller desk of financial corporation like banks as the interface for client to enter data. The customer goes through the magnetic tap reader or card reader of the touch screen module to insert a bank book, bank card or IC card or directly selects any business transaction function to process input of all information for business. Momentarily, the teller can provide all business inquiry services at the right time to assist client in completion of data input, thereby achieving an interactive performance between financial corporation teller and client, bringing relationship between financial corporation and client closer and raising quality and image of bank services.

Description

579486 V. Description of the invention (1) [Technical field to which the invention belongs] The present invention relates to a case where a customer goes to a counter window of a financial institution such as a bank to conduct various transaction businesses such as deposits, withdrawals, remittances, or other financial products related to customer accounts. Bank counter service personnel can interact with customers through the system of the present invention, closer the relationship with customers and improve the quality and image of banking services. [Previous technology]

Traditionally, when a customer goes to the counter window of a financial institution to conduct various businesses, the customer will manually fill in the transaction voucher of the transaction to be handled and then hand it over to the counter service staff. However, customers often have to fill in the transaction voucher slip manually or fill in the information incorrectly, so they have to re-fill the transaction voucher slip, which causes paper waste and delays the customer's various business hours. The counter service staff must also wait until the customer comes to the counter, ask the customer for the transaction or the voucher document delivered by the customer, determine the transaction that the customer wants to perform, and then execute the relevant computer connection transaction program to complete the customer's transaction. Business project. [Summary of the Invention]

The present invention is to change the way that counter service personnel of financial institutions, such as banks, passively serve customers to actively and actively serve customers, and provide an interactive counter service system. The system includes a touch screen module, a counter terminal module, and a network communication device. It is operated by the customer with the touch screen module, and receives the account information of the customer's passbook, financial card, and personal identification IC smart card, and provides various transaction business functions, and the customer clicks on the required business functions. Project; while the customer operates the touch screen module, the screen of the counter terminal module can simultaneously display the customer's

Page 579486 Five invention descriptions (2) After the business requirements of the business items to be handled and managed, the customer does not need to hand the contents of the customer's transaction voucher whether the content is correctly connected to the transaction program, and passively write the transaction voucher for the active and active according to the present invention. [Embodiment] to improve service quality and get closer to customers [Embodiment] Referring to Figure 1 below, this embodiment is provided with a touch screen terminal module connected to the touch screen and infrared terminal operated by the customer according to an embodiment. The sensor is formed, and the touch type is described by the counter terminal equipment preparation system '/ mouse 2 3, the content of the print head; fill in the data printed at the customer and invite the customer to the customer system, serve the customer, and create the image; distance. After completing the transaction, the counter will sign the bank account, and the paper will explain in more detail the invention bank and other components. The touch screen module is connected and connected to the financial screen module. 1. The speaker screen contains a module. Group 2: In order to include a meter machine 2, the service staff of each desk will form a voucher for each transaction, and the customer will confirm the business needs of the counter service. The customers of the special financial institution will not waste it; Real financial institutions think and map each other. In the figure, only the group 1, the cabinet and the network communication host host 1 include: magnetic device 1 3, touch the LCD display from the current golden brain host 2 1 magnetic stripe machine / item, you can know that the business item is recognized by the counter service transaction Clerks must make mistakes in counter service and must wait for financial personnel to process the customer's cloud data round; clerks will be able to use the bills and documents to execute computer personnel, and they will need to re-fill the rules as fast as the organization can implement. The present invention of the mobile counter is a 3 terminal communication device. Drawer / read-controlled glory screen and touch-type financial system, glory screen 2 card machine 2 5 service system, the system includes module 2 and the cabinet card panel 1 1 1 4 structure. The last connection is set to 2, the keyboard. The above

Page 6 579486 V. Description of the invention (3) Network communication equipment 3: Provides local area network and Internet functions, and connects with financial institution transaction host in real time. In the above embodiment, the touch screen module 1 can also use a single computer (including screen, host, keyboard, mouse, and other basic equipment), and use the network function to connect and transmit with the counter terminal module. data. The above-mentioned touch screen module 1 can be set at each counter window for customers to use, or it can be set separately at the service desks and VIP rooms in the business halls of financial institutions. Service staff provide customers with one-to-one high-quality service quality. The touch screen module 1 can be set upright on the countertop, or submerged flat on the countertop, or can be placed on the countertop at an angle, or can be backed against the counter wall, or can be rotated It is erected on the left and right walls of the counter for customers' use. The display of the touch screen module uses a flat liquid crystal screen and a tempered glass touch panel to protect the liquid crystal screen. In addition, the above-mentioned liquid crystal display of the touch screen module 1 displays various business items such as deposits, withdrawals, remittances, receipts of bills, receipt of bills, payment of utility fees on behalf of others, loss of passbook printing report, password change, Fund introduction trading, safe deposit box business, insurance business agency, trust business, foreign currency trading, financial planning services, opening an account, opening a deposit certificate, correction of basic customer information changes, and inquiry of personal account information, etc., for customers to borrow The touch screen can be used to click on the desired transaction business items by finger, and has a voice prompt function to assist customers in completing various transaction requirements. The infrared sensor 1 2 of the touch screen module 1 described above is responsible for sensing whether a customer is operating the touch screen 1 4. When there is no customer use, the liquid crystal display will automatically play business information and profit from financial institutions such as banks.

579486 V. Description of the invention (4) Rates, operating regulations, announcements, government decrees, etc. The magnetic stripe machine / card reader 1 1 of the touch screen module 1 described above is for customers to swipe passbook magnetic stripe, financial card or personal ID card smart card to read personal account information. The speakers 13 of the touch screen module 1 mentioned above can inform customers of the operation items by voice.

When the customer clicks on various transaction business items on the touch screen 14, the screen of the counter terminal module 2 can synchronously display the operation process of the customer, and the counter terminal module can also operate other services at the same time. That is, the data input by the customer on the touch screen 14 can be received and processed by the counter terminal module 2 synchronously, and the counter service staff does not have to re-enter the customer data. After the counter terminal module receives customer information, the counter service personnel prints the relevant documents, documents, and vouchers from the printer, and then signs and seals the customer to confirm that the information is correct and completes the counter transaction. Please refer to Figure 2 below to describe the interactive counter service system of this embodiment. In the embodiment of the customer and counter service personnel interacting to complete the transaction business process embodiment, it is explained that the customer selects a transaction business item, the counter service personnel provides business consultation and performs computer connection. Online transactions to fulfill the business needs of customers.

First set up this system at the counter window in the business hall of each financial institution. The customer will enter the passbook, debit card or IC smart card (step 100) using the magnetic stripe machine / card reader (step 110) of the touch screen module, or enter the account information directly on the touch screen (step 1 2 0) Click on the business item and enter the information, at this time the counter terminal module display (step 2 1 0)

Page 8 579486 V. Description of the invention (5) Simultaneous display of customer operation process, processing customer input data (step 2 2 0), the counter service staff will transmit the customer input data to the printer (step 2 3 0), which will be printed by the printer. The printer prints the transaction voucher document (step 240), and then asks the customer to confirm whether the data content of the transaction voucher document is correct (step 250). After the customer signs and seals, the counter service staff then completes the computer connection transaction. In summary, the present invention is to provide an interactive counter service system for financial institutions such as banks. The service system is highly creative using the technical ideas of natural laws, has industrial use value, and has novel creativeness and progressive practicality. Please grant protection for invention patents.

Page 9 579486 Brief Description of Drawings Figure 1 is an embodiment of the present invention, and is a block diagram showing the configuration of the interactive counter service system of a financial institution such as a bank of the present invention. Fig. 2 is an embodiment of the system shown in Fig. 1, which shows an interactive counter service system of a financial institution such as a bank of the present invention, and shows a flowchart of operations performed by customers and counter service personnel to complete business requirements. In the picture, 1. Touch screen module 1 1. Magnetic stripe reader / card reader 1 2. Infrared sensor 13. Speaker

1 4 .Touch screen 2.Counter terminal module 2 1 .Computer host 22.Screen 2 3 .Keyboard / Mouse 2 4.Printer 2 5 .Magnetic stripe reader / Card reader 3.Network communication device

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Claims (1)

579486 6. Scope of patent application. 1. An interactive counter service system for financial institutions such as banks, including: Touch screen module, including touch screen, infrared sensor, magnetic stripe / card reader, speaker; The touch screen includes a liquid crystal display and a touch panel; a counter terminal module with a host, a screen, a keyboard, a mouse, a printer, and a network function, running a window operating system; and a network communication device, With LAN and Internet connection function, connect with host of financial institutions; The interactive counter service system of financial institutions such as the bank uses the touch screen as an interface for customers to interact with counter service personnel. Customers use their fingers to click and use various business functions provided by the touch screen module, and the counter The screen of the terminal module can simultaneously display the customer's operation process; and the counter personnel provide business consulting services in a timely manner. 2. The interactive counter service system for banks and other financial institutions as described in item 1 of the scope of the patent application, wherein the display of the touch screen module is a flat LCD screen and a tempered glass touch panel to protect the LCD screen. 3 · The interactive counter service system for banks and other financial institutions as described in item 1 of the scope of patent applications, where the touch-screen LCD module displays various business items such as deposits, withdrawals, remittances, and collections Bills, receipt of bills, payment of common utility fees, loss of passbook and seal, loss of passwords, fund introduction and purchase, safe deposit box business, insurance business agency, trust business, foreign currency trading, financial planning services, opening accounts, opening deposit certificates, Customers' basic data changes, corrections, and personal account information query, etc., for customers to use their touch screens to click on their own transaction business items with their fingers Page 11 579486 6. Scope of patent application _ and voice prompt function to assist customers to complete various transaction requirements. 4. The interactive counter service system for financial institutions such as banks as described in item 1 of the scope of patent application, wherein the infrared sensor of the touch screen module is responsible for sensing whether a customer is operating the touch screen and is used by no customers. At this time, the LCD will automatically broadcast business information, interest rates, operating regulations, announcements, and government laws and regulations of financial institutions such as banks. 5. The interactive counter service system for banks and other financial institutions as described in item 1 of the scope of patent application, wherein the magnetic stripe machine / card reader is an IC for customers to swipe passbook magnetic stripe, financial card or personal identity certificate. Smart card for reading personal account information. 6. The interactive counter service system for banks and other financial institutions as described in item 1 of the scope of patent application, wherein the touch screen module can be set upright on the counter desktop, or submerged flat on the desktop, or It can be placed on the countertop at an oblique angle, or can be backed against the counter wall, or can be erected on the left and right wall of the counter in a rotating manner for customer use. 7. An interactive counter service system for a financial institution such as a bank as described in item 1 of the scope of the patent application, wherein the touch screen module can use a computer (including screen, host, keyboard, mouse, and other basic equipment) ) Replace and use the network function to connect with the counter terminal module. 8. The interactive counter service system for banks and other financial institutions as described in item 1 of the scope of the patent application, wherein the touch screen module can be set at each counter window for customers to use, or it can be set up separately at the financial institution for business The service desk and VIP room in the hall provide customers with one-to-one high-quality service quality by service staff. Page 12 579486 VI. Scope of patent application 9. The interactive counter service system of banks and other financial institutions as described in item 1 of the scope of patent application, where when the customer clicks on various transaction business items on the touch screen, the The screen of the counter terminal module can simultaneously display the customer's operation process, and the counter terminal module can also operate other services at the same time. 10. The interactive counter service system of banks and other financial institutions as described in item 9 of the scope of patent application, wherein the information entered by customers on the touch screen can be received and processed by the counter terminal module synchronously, and counter service personnel No need to re-enter customer information. 11. The interactive counter service system of a financial institution such as a bank as described in Item 10 of the scope of the patent application, wherein after the counter terminal module receives customer data, the counter service personnel transfers relevant documents, documents, and vouchers to the printer After printing it out, it will be signed and sealed by the customer to confirm that the information is correct, and the counter transaction will be completed. Page 13