TW463114B - Video banking service system - Google Patents
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- TW463114B TW463114B TW89110083A TW89110083A TW463114B TW 463114 B TW463114 B TW 463114B TW 89110083 A TW89110083 A TW 89110083A TW 89110083 A TW89110083 A TW 89110083A TW 463114 B TW463114 B TW 463114B
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：r 4631 1 4 五、發明說明（1) ~— t明領域 本發明有關於一種視訊銀行服務系統，尤其是指具 雙螢幕之視訊銀行服務系統。 9 " 發明背景 目前金融機構之自動化服務區或無人銀行，均無法 供開戶申請或簡易貸款等需要專員協助辦理之相關務。 一般民眾在進入自動化服務區或無人銀行時，面對冰♦陌 生的機器’在沒有專人引導之下，即使是簡單的存款 款業務’也難免心生畏怯與疑惑β而且目前金融機構之自 動化服務區或無人銀行所提供的視訊會議系統僅在螢幕的 一角開一個影像視窗，以顯示對方的面部影像，但此種方 式所顯示的影像較小，顧客沒有臨場的真實感 發明目的 , 因此本發明之目的在提供一種具有雙螢幕之視訊銀行 服務系統’使顧客經由特製的多媒體視訊會議系統與銀行 專員犯如面對面的溝通’不但使顧客感受到即時而親切的 服務’而且較為複雜的業務也可以辦理i。只要在都市相關 地點廣泛放置此種系統之顧客終端機供顧客在住家附近就 便使用’顧客不必上銀行就可申辦各項業務。在雙方的骛 幕上均完全顯示對方的影像，使顧客產生臨場的真實感。: R 4631 1 4 V. Description of the invention (1) ~ t Field of the invention The present invention relates to a video banking service system, especially a video banking service system with dual screens. 9 " Background of the Invention At present, neither the automated service areas of financial institutions nor unmanned banks can provide related services such as account opening applications or simple loans that require the assistance of a commissioner. When the general public enters the automated service area or unmanned bank, they face ice. Unfamiliar machines 'without special guidance, even for simple deposits' business, will inevitably be timid and confused. Β, and the current automated services of financial institutions The video conference system provided by the district or unmanned bank only opens an image window at one corner of the screen to display the face image of the other party, but the image displayed in this way is small, and the customer has no real sense of presence. Therefore, the present invention The purpose is to provide a dual-screen video banking service system that enables customers to communicate face-to-face with bank commissioners via a specially-designed multimedia video conference system. "Not only does the customer feel immediate and friendly service", but more complex businesses can also Go through i. As long as the customer terminals of this system are widely placed in urban-related locations for customers to use near their homes, customers can apply for various services without going to the bank. On both sides of the curtain, the other party's image is completely displayed, so that the customer has a real sense of presence.
五、發明說明（2) 第一圖為本發明視訊銀行服務系統之顧客終端機架構 圖。 第二圖為本發明視訊銀行服務系統之服務中心終端機 架構圖。 第三圖為本發明視訊銀行服務系統之開戶申請流程 圖。 第四圖為本發明視訊銀行服務系統之簡易貸款流程 圖。 第五圖為本發明梘訊銀行服務系統之***申請流程 圖。 第六圖為本發明視訊銀行服務系統之基金申購流程 圖。 第七圖為本發明視訊銀行服務系統之銀行其他各項申 請業務流程圖。· ' 第八圖為本發明視訊銀行服務系統之業務諮詢流程 圖。 發明詳述 A.系統架構V. Description of the invention (2) The first figure is a diagram of the client terminal architecture of the video banking service system of the present invention. The second figure is a service center terminal architecture diagram of the video banking service system of the present invention. The third figure is a flowchart of an account opening application process of the video banking service system of the present invention. The fourth figure is a simple loan flow chart of the video banking service system of the present invention. The fifth diagram is a credit card application flow chart of the Xunxun banking service system of the present invention. The sixth diagram is the fund purchase process flow chart of the video banking service system of the present invention. The seventh figure is a flowchart of other application services of the bank of the video banking service system of the present invention. · 'The eighth figure is a business consultation flow chart of the video banking service system of the present invention. Detailed description of the invention A. System architecture
4 63 1 14 五、發明說明（3) 1.顧客終端機1包含金融服務機11與網路通訊設備12: 1)金融服務機11由下述設備組成： 電腦主機111 :負責各相關週邊設備之控管、服務 中心作業之連繫與顧客操作之處 理。 視訊會議設備112 :包含視訊攝影機1121、電視螢 幕1122與壓縮卡1123，主要功能為 與服務中心終端機2的客服工作站2 1 建立視訊連線，顧客可與客服工作 站21的銀行專員連繫以完成所需的 金融申請作業，顧客還可將必要的 申請文件透過視訊連線傳送至銀行 專員處理。 紫光驗證設備113 :協助銀行專員辨識顧客所提身 分証件上的暗記以確認証件的真 偽。 觸控螢幕114 :協助顧客選擇作業項目與輪入申請 資料。 讀卡/發卡機115 :負責讀取顧客***的金融卡以辨 識其身分，並可對申請開戶作業的 顧客發放金融卡、***等。 文件印表機116 :列印各項業務申辦作業時所需之4 63 1 14 V. Description of the invention (3) 1. The customer terminal 1 includes a financial server 11 and a network communication device 12: 1) The financial server 11 is composed of the following equipment: Computer host 111: responsible for various related peripheral equipment Control, service center operations and customer operations. Video conference equipment 112: Contains video camera 1121, TV screen 1122 and compression card 1123. The main function is to establish a video connection with the customer service workstation 21 of the service center terminal 2. The customer can contact the bank specialist at customer service workstation 21 to complete For the required financial application, the customer can also send the necessary application documents to the bank specialist for processing through the video connection. Ziguang verification equipment 113: assist the bank commissioner to identify the imprint on the identity document presented by the customer to confirm the authenticity of the document. Touch screen 114: assist customers in selecting work items and rotating application data. Card reader / issuer 115: Responsible for reading the financial card inserted by the customer to identify its identity, and can issue financial cards, credit cards, etc. to customers who apply for account opening operations. Document printer 116: Print all the necessary documents for business applications
4 63 1 五、發明說明（4) 申請表單。 收據印表機117 :列印各項帳務處理業務申辦完成 之收據。 文件吸入設備118 :協助顧客將填好的申請表單回 收至金融服務機11内，驗明申請表 單是否為金融服務機11所列印，且 可複製填好的申請表單。 麥克風119 :顧客向銀行專員發話之用。 揚聲器1 2 0 :顧客聽取銀行專員指示之用。 燈光設備1 21 :照明之用，由銀行專員利用服務中 心終.端機2的客服工作站21中燈光控 制設備2 1 7控制，比方說當用紫光驗 證設備11 3照射證件時，將燈光熄 滅。 2 ) 網路通_訊設備1 2 :為金融服務機11與服務中心終端 機2間視訊連線之用，可配合金融服 務機11所使用的寬頻網路種類而選 擇不同的網路通訊設備。本系統之 規劃可支援數據專線，ISDN網路， XDSL網路與CATV網路。 2.服務中心終端機2包含客服工作站21、系統伺服器22與 網路通訊設備23:4 63 1 V. Description of the invention (4) Application form. Receipt printer 117: Prints receipts for the completion of various accounting processing business applications. Document inhalation device 118: assist the customer to return the completed application form to the financial service machine 11, verify whether the application form is printed on the financial service machine 11, and copy the completed application form. Microphone 119: The customer speaks to the banker. Speaker 1 2 0: The customer listens to the instructions of the bank commissioner. Lighting equipment 1 21: For lighting purposes, the bank commissioner will use the service center to terminate the lighting control equipment 2 1 7 in the customer service workstation 21 of the terminal 2. For example, when the certificate is illuminated with the purple light verification equipment 11 3, the light will be turned off. 2) Netcom_Communication Device 1 2: For the video connection between financial server 11 and service center terminal 2, different network communication devices can be selected according to the type of broadband network used by financial server 11 . The planning of this system can support data leased line, ISDN network, XDSL network and CATV network. 2.Service center terminal 2 includes customer service workstation 21, system server 22 and network communication equipment 23:
4 631 1 4 五、發明說明（5) 1 ) 客服工作站2 1由下述設備組成： 電腦主機211 :負責各週邊設備之控管、銀行專員 操作之處理以及金融服務機11作業 之連繫。 視訊會議設備21 2 :視訊會議設備包含攝影機 2121、電視螢幕2122與視訊壓縮卡 2123 *主要功能為與金、融服務機11 建立視訊連線，銀行專員可與金融 服務機11前之顧客連繫以完成顧客 的申請作業，銀行專員還可透過視 訊連線檢視顧客所提示的各項證明. 文件以確認顧客的身分。 觸控螢幕2 1 3 :同步顯示顧客選擇作業項目，與所輸 入的申請資料》 文件印表機2 1 4 :供客服工作站21列印各項證明文 件與申請表單。 麥克風215 :銀行專員向顧客發話之用。 揚聲器216:銀行專員聽取顧客指示之用。 燈光控制設備217 :由銀行專員用以控制金融服務 機11的燈光設備121，比方說當用紫 光驗證設備1 1 3照射證件時，將燈 光媳滅。4 631 1 4 V. Description of the invention (5) 1) The customer service workstation 2 1 is composed of the following equipment: Computer host 211: Responsible for the control of peripheral equipment, the handling of bank specialist operations, and the connection of the financial service machine 11 operation. Video conference equipment 21 2: Video conference equipment includes camera 2121, TV screen 2122 and video compression card 2123 * The main function is to establish a video connection with the financial and financial services machine 11, and the bank commissioner can connect with customers in front of the financial service machine 11 In order to complete the customer's application, the bank commissioner can also view the various certificates and documents presented by the customer through the video connection to confirm the identity of the customer. Touch screen 2 1 3: Simultaneously display the customer's selection of work items and the input application information. ”Document printer 2 1 4: For customer service workstation 21 to print various certification documents and application forms. Microphone 215: The banker is speaking to customers. Speaker 216: The bank commissioner listens to customer instructions. Light control device 217: Used by the bank commissioner to control the light device 121 of the financial server 11, for example, when the document is illuminated with a purple light verification device 1 1 3, the light is extinguished.
第8頁 163114 五、發明說明（6) 2) 系統伺服器22由下述設備組成： 電腦主機221 :負責服務中心的各項作業管理。例 如金融服務機11與客服工作站21之 間操作介面網頁分配管理、金融服 務機11與客服工作站21間視訊連線 分配作業、金融服務業務交易管理 與帳務主機連線處理等β 文件印表機222 :供銀行專員查詢資料以及業務管 理報表之列印。 3) 網路通訊設備23由下述設備組成： 金融服務機連線設備2 31 :服務中心與金融服務機 11間視訊連線所使用的網路連線設 備，可配合金融服務機11所使用的 寬頻網路種類，選擇不同的網路設 備。系統規劃可支援數據專線， ISDN網路，XDSL網路與CATV網路。 服務中心聯外網路設備2 3 2 :服務中心内客服工作 站名1、系統伺服器22與外部網路連 接所使用的網路設備。 帳務主機連線設備233 :服務中心與銀行本身原有Page 8 163114 V. Description of the invention (6) 2) The system server 22 is composed of the following equipment: Computer host 221: Responsible for various operations management of the service center. For example, the webpage distribution management of the operation interface between the financial service machine 11 and the customer service workstation 21, the video connection allocation operation between the financial service machine 11 and the customer service workstation 21, the financial service business transaction management, and the account host connection processing, etc. 222: For the bank commissioner to query information and print business management reports. 3) The network communication device 23 is composed of the following devices: Financial server connection device 2 31: The network connection device used for the video connection between the service center and the financial server 11 can be used with the financial server 11 Broadband network type, choose different network equipment. The system plan can support data line, ISDN network, XDSL network and CATV network. Service center external network device 2 3 2: Customer service work in the service center Station name 1. The network device used by the system server 22 to connect to the external network. Account host connection equipment 233: Service center and bank itself
4^31i4五、發明說明（7) 的帳務主機連線的設備， 使用數據專線。 系統規劃 力能 本發明視訊銀行服務系統之特點如下： 1.雙螢幕視訊系統：在顧客與銀行專員雙方的整個電視榮 幕上均能完全顯示對方的影像，使顧客產生臨場 的真實感。雙方並各具一觸控螢幕，可以同步顯 示各種申請表單，供顧客以手指觸摸螢幕而輸入 資料。銀行專員這邊的觸控螢幕可以省略，客服 工作站中視訊會議設備的電視螢幕可以同步顯示 顧客所選的各種申請表單以及顧客的影像。達成 雙f幕（即一電視螢幕與一觸控螢幕）視訊功能主 要是靠視訊壓縮卡1123、2123，通常用Zadacr0n 公司的Z360產品或VCON公司的Cruiser系列。 2·多媒體視訊會議系統服務與銀行業務結合：透過多媒體 視訊會5義系統的協助’將電腦主機、視訊攝影 機、各項周邊設備與網路整合在一起，使顧客經 由特製的電腦多媒體視訊會議系統與銀行專員宛 如面對面的溝通，不但使顧客感受到即時而親切 的服務’而且較為複雜的業務也可以辦理。只要4 ^ 31i4 V. Description of the Invention (7) The equipment connected to the account host uses a dedicated data line. System planning capabilities The features of the video banking service system of the present invention are as follows: 1. Dual-screen video system: the entire television screen of both the customer and the bank commissioner can fully display the image of the other party, so that the customer has a real sense of presence. Both parties have touch screens, which can simultaneously display various application forms for customers to input data by touching the screen with their fingers. The touch screen on the banker's side can be omitted, and the TV screen of the video conferencing equipment in the customer service workstation can simultaneously display various application forms selected by the customer and the customer's image. Achieving dual f-screens (ie, a TV screen and a touch screen) video functions mainly rely on video compression cards 1123, 2123, usually using Z360 products from Zadacr0n company or Cruiser series from VCON company. 2 · Combining multimedia video conference system services with banking business: through the assistance of the multimedia video conference system, the computer host, video camera, various peripheral devices and the network are integrated to enable customers to use a special computer multimedia video conference system It is like face-to-face communication with the bank commissioner, which not only makes customers feel immediate and friendly service, but also more complex business can be handled. as long as
第10頁 五、發明說明（8) 在都市相關地點廣泛放置此種系統之顧客終端機 供顧客在住家附近就便使用，顧客不必上銀行就 可申辦各種業務。可突破時空的限制，延長銀行 服務時間及擴張銀行的服務據點。與客服中心連 線’由銀行專員導引顧客使用，操作簡易而舒 適°並具擴充性，未來可與更多更新的自動化服 務機器連線，擴張'金融處理的機能，發展出更有 效率的作業。 C.服務項目 1.開戶申請： 現行的銀行開戶申請，顧客必須攜帶身分證及***， 親自到銀行櫃檯填寫開戶約定書等表單資料，並將身分證 明文件等相關資料交由櫃檯人員核對，櫃檯人員利用紫光 燈辨識證件真偽並影印留底。之後櫃檯人員將顧客填寫的 資料及傳票輸入電腦，建檔完成後即核發存摺及金融卡給 顧客。 本發明視訊銀行服務系統則以獨特的雙螢幕影像傳 輸’以視訊會議系統之服務方式提供顧客服務，顧客申請 開戶時只要觸摸螢幕上的開戶申請鍵，金融服務機螢幕上 出現服務中心銀行專員的影像’銀行專員所使用的客服工 作站螢幕上也出現顧客的影像，銀行專員指引顧客將身分 證相關文件放在指定位置，藉由攝影機快照及紫光燈辨識Page 10 V. Description of the invention (8) Customer terminals of this system are widely placed in urban related places for customers to use near their homes, and customers can apply for various services without going to the bank. It can break through the limitation of time and space, extend the service time of the bank and expand the service base of the bank. The connection with the customer service center is guided by the bank commissioner, and the operation is simple and comfortable. It is expandable. In the future, it can be connected with more updated automated service machines to expand the function of financial processing and develop more efficient operation. C. Service Items 1. Account Opening Application: For current bank account opening applications, customers must bring their ID cards and seals, personally go to the bank counter to fill in forms such as an account opening agreement, and submit relevant information such as identity certification documents to the counter staff for verification. The personnel used purple lights to identify the authenticity of the document and made a photocopy. After that, the staff at the counter will enter the information and vouchers filled in by the customer into the computer. After the filing is completed, the passbook and financial card will be issued to the customer. The video banking service system of the present invention uses unique dual-screen image transmission to provide customer service in the service mode of the video conference system. When customers apply for an account, they only need to touch the account opening application button on the screen, and the service center bank commissioner appears on the screen of the financial service machine. The image of the customer is also displayed on the screen of the customer service workstation used by the banker. The banker instructs the customer to place the relevant documents of the ID card at the designated location, which is identified by the camera snapshot and purple light.
第11頁 463114Page 11 463114
五'發明說明（9) 真偽，並將快 行顧客資料庫 拒絕開戶申請 若身分證 式詢問顧客資 的資料内容， 幕所顯示之資 認之申請書經 料無誤後需在 請書等相關文 回客服中心， 内。 銀行專員 行本身原有的 專員開戶作業 即透過視訊銀 業，俟金融卡 整個開戶申請 中心的電腦主 否同意開戶核 卡。詳細流程 照影像傳回服務中心 查詢’若身分證在列 〇 不在上述名單之列， 料並登錄，雙方的晝 此時，顧客可同步查 料’經顧客確認後， 由顧客端印表機列印 簽章攔上簽章。其後 件放在指定位置，藉 然後請顧客將申請書 ’此時銀行專員透過本 入控管的名單之内，則 則銀行專員 面會立即同 核並由銀行 銀行專員會 至顧客端， 銀行專I指 由攝影機快 的正本投入 以互動的方 步顯示輸人 專員修正螢 將顧客所確 顧客核對資 引顧客將中 照將影像傳 文件回收筒 確認開戶交易後，將開戶資料轉檔傳送至銀 帳務主機’帳務主機處理完畢後，通知銀行 完成。銀行專員確認帳務主機完成開戶後， 行服務系統引導顧客做金融卡之密瑪變更作 密碼變更完畢後，顧客即可領取金融卡。 作業從受理至登錄完成所有審查，皆由服務 機自動處理，最後決定仍由銀行專員判|是 發金融卡。若核准開戶，則立即發給金融 請閱第三圖。 :.簡易貸款 現行的銀行簡易貸款業務，顧客必須先到銀行櫃檯詢Five 'invention description (9) authenticity, and will reject the fast-moving customer database to open an account application. If the identity card type asks for the customer's information, the application shown on the screen must be in the application and related documents. Back to the customer service center, inside. The bank commissioner's original commissioner's account opening operation was through the video banking industry, and the computer owner of the entire account opening application center agreed to open an account verification card. The detailed process is transmitted back to the service center according to the image. "If the ID card is not listed in the above list, it is expected to be logged in. At this time, the customer can check the data simultaneously." The signature seal is blocked. The subsequent documents are placed in the designated position, and then the customer is requested to send the application form 'At this time, the bank commissioner is included in the list controlled by this entry, then the bank commissioner will immediately check with the bank commissioner and visit the client. Special I means that the original of the camera is used to display the input in an interactive way. The input commissioner revises the screen. The customer verifies the customer. The customer will be referenced. The customer will transfer the image to the document recovery bin to confirm the account opening transaction. Bank account host 'After the account host finishes processing, notify the bank to complete. After the bank commissioner confirms that the account host completes the account opening, the bank service system guides the customer to change the password of the financial card. After the password is changed, the customer can receive the financial card. All reviews of the operation, from acceptance to completion of the registration, are handled automatically by the server. The final decision is still made by the bank commissioner. If the account is approved to be opened, it will be immediately sent to the financial Please see the third picture. : .Simple Loan Current bank simple loan business, customers must first go to the bank counter to inquire
sir: 第12頁 r 4 63.114 五、發明說明（ίο) 問利率、貸款額度及還款方式等叼題，接著再填寫貸款申 請書等資料，並將身分證明文件等相關資料交由櫃檯人員 影印留底。然後再由徵信人員向聯合徵信中心查詢該顧客 的信用資料，若無不良紀錄，則請顧客辦理對保手續，對 保完成後就給予一定之授信 戶頭。 採用本發明的視訊銀行 貸款時，觸摸螢幕上的簡易 示請顧客***金融卡之訊息 後，系統將依金融卡的資料 非準顧客、其他行庫的顧客 顧客及其他行庫的顧客，銀 顧客將身分證明相關文件放 影機快照及紫光燈辨識真偽 心，確認顧客身分無誤，同 式，由服務中心的銀行專員 同時查核並修正螢幕所顯示 後’銀行專員將顧客所確認 務機列印至顧客端，顧客核 章。對於本行的非準顧客或 申請書投入文件回收筒内， 客至分行對保，對保完成即 若為本行的準顧客，除 銀行專員會詢問顧客並登錄 額度’並把款項撥入借款人的 服務系統，顧客若欲申請簡易 貸款鍵，此時金融服務機即顯 ，在通過金融卡PIN Code查核 區分為本行的準顧客、本行的 三種。若顧客屬於本行的非準 行專員須先確認顧客身分，請 在螢幕上的指定位置，藉由攝 ’並將快照影像傳回服務中 時藉由雙螢幕及雙向溝通的方 詢問顧客並登錄資料，顧客可 之資料。資料輸入完畢且確認 之簡易貸款申請書經由金融服 對資料無誤後需在簽章攔上簽 其他行庫的顧客只要將填妥的 待本行f查合格後，即通知顧 立予撥貸。. 依上述方式確認顧客身分外， 簡易貸款申請書及契約書資sir: page 12 r 4 63.114 V. Explanation of the Invention (ίο) Ask questions about interest rate, loan amount, and repayment method, and then fill in the loan application and other information, and submit relevant information such as identity documents to the counter staff to photocopy Save the bottom. Then the credit officer will inquire the credit information of the customer to the joint credit center. If there is no bad record, ask the customer to go through the insurance formalities and give a certain credit account after the insurance is completed. When using the video banking loan of the present invention, after the simple message on the screen asking customers to insert a financial card, the system will use the information of the financial card to identify non-prospective customers, customers in other warehouses, customers in other warehouses, and banking customers. Identify the authenticity of the customer's identity by verifying the identity of the relevant documents, the snapshot of the projector and the purple light, and confirm that the customer's identity is correct. In the same way, the bank specialist at the service center checks and corrects the screen display at the same time. To the customer, the customer checks. For non-prospective customers of the Bank or the application is put into the document recovery cylinder, the customer will go to the branch to secure the insurance. If the insurance is completed, the bank's prospective customer will be asked, and the bank commissioner will ask the customer and register the quota. In the human service system, if a customer wants to apply for a simple loan key, the financial service machine will be displayed at this time, and the bank will be divided into three types of prospective customers and the bank through the check of the PIN code of the financial card. If the customer belongs to the Bank's non-permissions commissioner, he must first confirm the identity of the customer, please take a photo at the designated location on the screen, and return the snapshot image to the service. The customer will be asked to log in and register with the dual screen and two-way communication Information, information available to customers. After the data entry is completed and the confirmed simple loan application is confirmed by the financial service, the signature must be signed on the signature bar after the information is correct. Customers in other banks need to fill in the completed form and wait for the bank to pass the inspection, and then notify Gu Li to approve the loan. In addition to confirming the identity of the customer as described above, the simple loan application and contract materials
在 63 1 1 4 五、發明說明' -- 顧客可同時查核並修正螢幕所顯示之資料。輸入資料 元畢且確認後，銀行專員將顧客所確認之簡易貸款申請書 ，契約書經由金融服務機列印至顧客端，顧客核對資料^ 誤，需在簽章攔上簽章。然後請顧客將契約書放入文件^ 收筒並自行保留一聯契約書。整個簡易貸款從受理至 f錄完成所有審查’皆由服務中心電腦自動處理。最後決 定仍由銀行專員判斷是否貸款。審查合格者，即將款項撥 入顧客存款戶頭内，顧客即可持金融卡至自動櫃員機領 款。詳細流程請閱第四圖。 3 * <5用卡申請 目前銀行申請***業務’顧客必須先到銀行櫃檯或 便利商店等行銷通路索取***申請書，填妥***申請 書並檢附身分證影本及其他財力證明等相關資料後，送到 附近分行或郵寄***中心辦理。本行***中心接獲顧 客申請後，即辦理各項審核作業’如：徵信人員向聯合徵 信t心查詢該顧客的信用資料等’若顧客無不良紀錄且符 合發卡資格後，即可核發卡月予顧客。 採用本發明的視訊銀行服務系統，顧客欲申請*** 時，觸摸螢幕上的***申請鍵，金融服務機顯示請顧客 ***金融卡 < 訊息，在通過金融卡PIN Code查核後，系統 會依金融卡的資料區分為本行的準顧客、本行的非準顧 客、其他行庫的顧客三種。銀行專員指引顧客將身分證等 相關文件放在指定位置，藉由攝影機快照及紫光燈辨識真In 63 1 1 4 V. Description of Invention '-Customers can check and correct the information displayed on the screen at the same time. Enter the information After the yuan is confirmed and confirmed, the bank commissioner will print the simple loan application confirmed by the customer, and the contract will be printed to the customer via the financial service machine. The customer checks the information ^ incorrectly and needs to sign on the signature block. Then ask the customer to put the contract in the document ^ Close and keep a contract. The entire simple loan review from acceptance to f-record completion is automatically processed by the service center computer. The final decision is still to be made by the bank commissioner as to whether to lend. Those who pass the examination will transfer the funds to the customer's deposit account, and the customer can hold the financial card to the ATM to receive the payment. Please refer to the fourth figure for the detailed process. 3 * < 5 Card application for current bank application for credit card business' Customers must first go to the bank counter or convenience store and other marketing channels to obtain a credit card application form, fill out the credit card application form, and check the ID card photo and other financial information , Go to a nearby branch or mail a credit card center for processing. After receiving the customer's application, the credit card center of the Bank will conduct various review operations, such as: the credit reference staff inquires the credit information of the customer, and so on. Card to customers. With the video banking service system of the present invention, when a customer wants to apply for a credit card, he or she touches the credit card application button on the screen, and the financial service machine displays a message asking the customer to insert a financial card < after checking with the financial card PIN code, the system will The data are divided into three types: prospective customers of the Bank, non-prospective customers of the Bank, and customers of other banks. The banker instructs the customer to place relevant documents such as ID cards in the designated location, and uses the camera snapshot and purple light to identify the real
笫14頁 4 631 五、發明說明（12) 偽，並將快照影像傳回客服 銀行專員詢問顧客登錄資料 所顯示之資料。資料輪入完 所確認之***申請書經由 客核對資料無誤後需在簽章 客或其他行庫的顧客只要將 内，待本行審查合格後，# 若為本行的準顧客，顧 件回收筒後，金融服務機立 程請閱第五圖。 中心，確認顧客身分無誤後， ，顧客可同時查核益修正螢幕 畢且確認後，綺專貝將顧客 金融服務機列印至顧客端，顧 欄上簽章。對於本行的非準顧 填妥的申請書投入文件回收筒 會核發卡片予顧客。 客完成簽章並將申請書放入文 刻核發***予顧客。詳細流 申購方 填寫完 人員辦 式繳款 司寄發 訊銀行 金申購 ，在通 專相關 真偽， ’銀行 幕所顯 式，顧客必 基金申購書 理。顧客可 ，繳款完成 的受益憑證 服務系統， 鍵，此時金 過PIN Code 文件放在指 並將快照影 專員詢問顧 示之資料， 4·基金申購 現行銀行之基金 行索取基金申購書， 分證及***交由櫃檯 票、匯票或轉帳的方 後顧客將收到基金公 採用本發明的視 時，觸摸螢幕上的基 客***金融卡之訊息 會指引顧客將身分證 機快照及紫光燈辨識 4認顧客身分無誤後 可同時查核並修正螢 須先到基金代銷銀 等資料後，連同身 以選擇現金、支 即可領取收據，日 或通知書。 顧客若欲申購基金 融服務機顯示請顧 查核後，銀行專員 定位置，.藉由攝影 像傳回服務中心， 客登錄資料，顧客 輸入完畢且確認 第15頁 4 63 1 1 4 五、發明說明（13) 後。銀行專員將顧 列印至顧客端，顧 然後請顧客將填j 行保留一聯申講書 式完成基金扣款勒 贈作業。詳細流複笫 Page 14 4 631 V. Description of the invention (12) is false and returns the snapshot image to customer service. The bank specialist asks the customer login information for the information displayed. After completing the data rotation, the confirmed credit card application is verified by the customer. The customer who needs to be in the signatory or other bank will only need to check in and wait for the bank to pass the inspection. After that, please refer to the fifth picture for the process of financial services. After confirming that the identity of the customer is correct, the customer can check the benefit correction screen at the same time. After confirmation, Qizhubei prints the customer's financial service machine to the customer end and signs it on the column. Cards will be issued to the customer for the Bank's non-permissions. The customer completes the signature and places the application in writing to issue the credit card to the customer. The detailed flow is completed by the purchaser. The personnel-based payment department sends a message to the bank to apply for gold purchases, which are displayed in the official website, ‘the bank ’s account shows that the customer must have fund purchases. Customers can click the button to complete the benefit voucher service system after the payment is completed. At this time, the PIN Code file will be placed and the snapshot specialist will ask Gu Shi for information. 4. Fund purchase from the current bank's fund bank to obtain the fund purchase letter. After the card and seal are handed over to the counter, money order or transfer party, the customer will receive the video of the fund company when the invention is adopted. The message of inserting the financial card by the basic customer on the touch screen will guide the customer to identify the ID card snapshot and purple light. 4After confirming the identity of the customer, you can check and correct the information at the same time. You must go to the fund to sell the silver and other information first, and you can choose the cash and payment to get the receipt, date or notice. If the customer wants to purchase the basic financial service machine, please check it, and the bank commissioner will set the location. By returning the photographic image to the service center, the customer registration information is entered and confirmed by the customer. Page 15 4 63 1 1 4 V. Description of the invention (13) After. The bank commissioner prints Gu to the client, and then asks the client to save a joint application form in line j to complete the fund deduction and grant operation. Detailed reflow
客所確認之基金申購書經由金融服務機 客核對資料無誤後需在簽章攔上簽章。 的基金申購書放入文件回收筒内，並自 。此時金融服務機會以金融卡轉帳的方 作’金融卡扣款成功後，即完成基金申 請閲第六圖。 5 .銀行.其他各項申請業務之服務 紫潞欲向銀行提出其他各項申請時，觸摸螢幕上的 « ^ 此~榮幕會出現業務申請選項’顧客觸摸螢 幕上業務申請項目，然後***金融卡並通訓 示之二‘ '給顧Ϊ登錄申請之資料，同時可修改螢幕所顯 顧玄^ y」入完畢且確認後，金融服務機將結果列印至 申：Ϊ并客核對資料無誤狻需在簽章欄上簽章。然後將 甲睛書技入文件回收筒内。詳細流程請閱第七圖。 銀打其他的各項申請業務如下： 1) 印鐘、存摺掛失 2) 票據領用申請 3) 代繳公共事業費用申請 4) ***費自動轉帳授權 5) 網路銀行服務申請 6) 銀行另外的申請類業務 本發明的視訊銀行服務系統可與銀行的相關網站連結The fund application form confirmed by the customer must be signed by the signature block after the customer has verified that the information is correct. The fund application form is placed in the document collection cylinder and is available from. At this time, the financial service opportunity is made by the transfer of the financial card. After the debit of the financial card is successful, the fund application is completed. Please refer to the sixth chart. 5. Banks. Other services for applying for business. When you want to make other applications to the bank, touch «^ on this screen. ~ The screen will show the business application option 'Customers touch the business application items on the screen, and then insert the financial Cards and training instructions No. 2 '' Gu Gu's registration application information can be modified at the same time, Gu Xuan ^ y displayed on the screen can be modified at the same time. 'After the entry is completed and confirmed, the financial service machine will print the results to the application: Ϊ check the information without errors 狻You need to sign on the signature column. Then put the eye-catcher into the document recycle bin. Please refer to Figure 7 for the detailed process. The other application services of Yinda are as follows: 1) report the loss of clocks and passbooks 2) application for receipt of bills 3) application for payment of utilities 4) authorization for automatic transfer of credit card fees 5) application for online banking services 6) other Application services The video banking service system of the present invention can be linked to the relevant websites of the bank
第16頁 五、發明說明（14) - k供顧客業務諮詢的服務：（詳細流程請閱第八圖） 1) 營業據點査詢 2) 行外ΑΤΓΜ據點查詢 3) 新金融商品介紹 4) 存匯業務介紹 5) 廣告影片播放 7.本發明的視訊舉行服務系統在電子商務上的應用 本發明的視訊銀行服務系統可整合資訊流、金流、商 流及物流’提供了一個全新的電子商務發展趨勢，符合顧 客廣泛的需求，除了銀行業務（代收帳款、買賣基金、購 買保險、即時金融資訊下載、信託業務、消費性金融貸 款…，等）之外，另可與他業結盟提供查詢最新商品、流 行時尚、特惠活動等訊息、刷卡消費購物、藝文活動購 票、預定機票及旅館等服務，使金融服務機的服務更具多 元化。 本發明的範圍僅受限於下述申請專利範圍，不受限於 上述之特例。Page 16 V. Description of the invention (14)-kServices for customer business consultation: (Detailed process please refer to Figure 8) 1) Business base inquiry 2) Out-of-line ΑΓΓΜ base inquiry 3) Introduction of new financial products 4) Deposit of foreign exchange Business introduction 5) Advertising video playback 7. Application of the video holding service system of the present invention to e-commerce The video banking service system of the present invention can integrate information flow, gold flow, business flow and logistics, which provides a new development of e-commerce Trends, in line with the broad needs of customers, in addition to banking services (collecting accounts, buying and selling funds, purchasing insurance, downloading real-time financial information, trust business, consumer financial loans, etc.), we can also form alliances with other industries to provide inquiries. Information on the latest products, fashion, special events, credit card purchases, art and cultural events, ticket reservations, and hotel reservations, making financial services more diversified. The scope of the present invention is limited only by the scope of the following patent applications, and is not limited to the specific examples described above.
Claims (1)
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW89110083A TW463114B (en) | 2000-05-25 | 2000-05-25 | Video banking service system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW89110083A TW463114B (en) | 2000-05-25 | 2000-05-25 | Video banking service system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| TW463114B true TW463114B (en) | 2001-11-11 |
Family
ID=21659846
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| TW89110083A TW463114B (en) | 2000-05-25 | 2000-05-25 | Video banking service system |
Country Status (1)
| Country | Link |
|---|---|
| TW (1) | TW463114B (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI401609B (en) * | 2005-09-16 | 2013-07-11 | Oki Electric Ind Co Ltd | Unmanned contract terminal device and method thereof |
-
2000
- 2000-05-25 TW TW89110083A patent/TW463114B/en not_active IP Right Cessation
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI401609B (en) * | 2005-09-16 | 2013-07-11 | Oki Electric Ind Co Ltd | Unmanned contract terminal device and method thereof |
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