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Restructuring of branch operating process, and cooperation operating processing with the self-service dealings terminal and the teller terminal,ACM by the customer

IP.com Disclosure Number: IPCOM000012902D
Original Publication Date: 2003-Jun-09
Included in the Prior Art Database: 2003-Jun-09
Document File: 4 page(s) / 64K

Publishing Venue

IBM

Abstract

A series of processing process can be divided into a last process and a back process by improving the processing process of individual business in a bank. Among these, time shortening of a last process can be aimed at by making the customer itself operate a last process using a touch-panel-type input terminal (for it to consider as an electronic book-keeping machine below). This enables it to aim at processing time shortening of bank operating store office work. Since it is enabled to fully automate a pretreatment by dividing a process into a pretreatment and post-processing, it also becomes possible to succeed the initial registration data inputted from the direct channel, and to succeed in a window, ACM*, etc. Moreover, it is enabled to aim at functional curtailment of a operating store terminal, and number mitigation as a secondary effect. By improving an operating processing process, the completion conditions of dealings and dealings continuation conditions by the operating channel clarify. Moreover, the processing handling media (for example, cash, a passbook, an application form, a money card, he check data etc.) is collected to the terminal equipment of exclusive use, and enables reconstruction of the old channel for customers by carrying out the design and development of the data by the customer itself on condition of a direct input. *ACM : Automated Contract/Consulting Machine

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  Restructuring of branch operating process, and cooperation operating processing with the self-service dealings terminal and the teller terminal,ACM by the customer

Problem solved by invention :

The operating processing process in a general bank operating store is as follows.

1. A customer fills in an application form.
2. A customer pulls a numbered ticket at EQ terminal.
3. A customer waits in a lobby.
4. A customer submits the application form which finished entry, cash, and seal to a bank window, and requests procedure.
5. A teller checks the contents of an application form, checks a defect, and registers data via a teller terminal.
6. The machine print of the computer processing result is carried out from a teller terminal, and complete procedure.

The Figure1. shows simplified image.

                     Banking business processing step A BCD E F GH I J K L MNOPQR S T U ・・・・・・

For example

A Open a bank accout. Waiting time. B Seal loss report. Real processing time. C Housing loan new application.

D Remittance-abroad processing.

  A customer waits to pull a receipt number card and for its turn to come. A customer writes down a required matter in an application form, while waiting. A customer stands by until its turn comes. Called by the teller, an application form is passed and procedure is requested.

         A customer stands by until a teller's procedure finishes. A teller requests correction of an entry mistake of a customer of an application form. A customer stands by until a teller's procedure finishes.

Procedure is completed.

The shaded area in Fig. 1 indicate waiting time, and the doted area indicate system processing time.

The merit obtained by changing a last process (1-3) into the self-service input by the customer among the above-mentioned processing processes is as follows.


1. A customer's waiting time can be shortened.
2. The data input mistake by the teller can be prevented.
3. The whole processing time can be shortened.

The feature of an electronic book-keeping machine is as follows.

1. Customer Data Input Interface (Example, Keyboard, Mouse, Software Emulation Keyboard, Voice Input Function, IC/Magnetic Card)
2. Customer Data Display Interface (Example, Screen)
3. Customer Data Output Interface (Example, Printer, IC/Magnetic Card)
4. Receipt Number Card Printing Function
5. Queuing Display Function (Displaying Operating Store and ACM Contact Center Confusion State)

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Time series

Process

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How the invention solves these problems. :

Heretofore, data input has been done by a teller using on a handwritten check. But direct input to electronic book-keeping machine using keyboard and touchpanel prevents error in posting and omitting the OCR processing of the check image. The items such as name, address, phone number, a notification matter to a bank, and an addition information required for an application of a financial product can be directly inputted an el...