JP2014032482A - Transaction processing device for customer service - Google Patents

Abstract

The present invention provides a customer-facing transaction processing apparatus capable of contributing to at least one of improvement in secrecy when processing a customer-desired transaction and improvement in response efficiency of a staff member.
A deposit / withdrawal transaction processing apparatus 100 includes a plurality of customer terminal device units 200 having a customer operation unit 210 for a customer to perform a customer operation necessary for performing a money transaction, and a staff operation necessary for performing a money transaction. And a staff member terminal unit 300 having a staff member operating unit 310 that is operated by a staff member in response to customer operations. In this case, the customer operation unit 210 and the clerk operation unit 310 are each configured to perform display necessary for the execution of the money transaction, and the clerk terminal device unit 300 does not have the display screen of the clerk operation unit 310 within the customer's field of view. Thus, it faces a plurality of customer terminal equipment units 200.
[Selection] Figure 2

Description

  The present invention relates to a customer-facing transaction processing apparatus.

  This type of customer-facing transaction processing apparatus executes various processes related to transactions between an operation terminal on the customer side and an operation terminal on the clerk side in order to process a transaction desired by the customer while corresponding to the customer. For example, Japanese Patent Application Laid-Open No. 2010-244269 discloses an automatic ticket issuing apparatus that performs processing related to issuance of a ticket or commuter pass according to a customer's request (Patent Document 1).

  In this publication, among the processes relating to the issuance of boarding tickets and commuter passes, the processes in which the attendant must be involved are executed at the operation terminal on the attendant side. Further, other processes such as the issuance process of the ticket itself and the cash deposit / withdrawal process are performed at the customer-side operation terminal, thereby reducing the waiting time of the customer.

JP 2010-244269 A

  In the technology of the above-mentioned patent document, there is little need to conceal the contents of the clerk operation and information to be handled from the customer corresponding to the clerk because the purpose of the transaction processing is to issue a ticket or commuter pass. . However, for example, in banking operations such as cash remittance and transfer of public utility charges, customers who are in charge of dealing with customer information such as the sender / recipient confirmation / verification, the amount, past transaction status, etc. are facing each other. From the beginning, high confidentiality of customer information to other customers who are waiting for a transaction is required. In addition, there is a demand for increasing the response efficiency of staff members when dealing with customer-desired transactions facing the customer.

  Therefore, the present invention provides a customer-facing transaction processing apparatus that can contribute to at least one of improvement in secrecy when processing a customer-desired transaction and improvement in response efficiency of a staff member.

  In order to solve the above-described problems, the present invention is a customer-facing transaction processing apparatus that executes a customer-desired monetary transaction through a customer operation and a clerk operation corresponding to the operation, and performs the monetary transaction. A customer terminal device unit having an operation unit for a customer to perform a customer-side operation at the time of transaction, which is a necessary customer operation, and a display unit for performing display necessary for the execution of the money transaction, and the necessary for the execution of the money transaction A clerk terminal device unit having an operation unit performed by a clerk in response to the customer side operation at the time of transaction by a customer and a display unit for performing display necessary for the execution of the money transaction. A processing execution unit that receives the operation on the customer side at the time of transaction and the operation on the side of the clerk at the time of transaction, and executes a process necessary for performing the money transaction; The customer terminal device unit is prepared for each of a plurality of customers, and the display screen of the display unit in the clerk terminal device unit performs the customer operation on the prepared customer terminal device units. The clerk terminal device unit and the prepared plurality of customer terminal device units are arranged so as not to enter the field of view of each customer, and the processing execution unit is configured to provide the plurality of prepared customer terminal device units. Every time, the customer side operation performed by the customer at the customer terminal device unit and the clerk side operation performed by the clerk at the clerk terminal device unit in response to the operation, Execute the process.

  ADVANTAGE OF THE INVENTION According to this invention, the customer correspondence transaction processing apparatus which can achieve at least one of the improvement of the secrecy at the time of processing a customer desired money transaction and the improvement of the response | compatibility efficiency of an attendant can be provided.

It is explanatory drawing which shows schematic structure by planarly viewing the deposit / withdrawal transaction processing apparatus 100 of the bank window as a customer corresponding transaction processing apparatus of Example 1. FIG. It is explanatory drawing which shows schematic structure by seeing the deposit / withdrawal transaction processing apparatus 100 from the side. It is explanatory drawing which shows the whole structure of the deposit / withdrawal transaction processing apparatus 100 with the function structure for every customer terminal device unit 200 and clerk terminal device unit 300. FIG. 5 is an explanatory diagram illustrating a schematic configuration of a form reading unit 240. FIG. It is explanatory drawing which shows the function structure of the cash process part. It is explanatory drawing explaining the mode of execution in the initial condition of the transaction processing based on customer operation in the customer terminal equipment unit 200 corresponding to the staff operation in the staff terminal equipment unit 300. It is explanatory drawing explaining the mode of execution in the 2nd step of the transaction processing based on customer operation corresponding to the clerk operation in the clerk terminal device unit 300. It is explanatory drawing explaining the mode of execution in the final situation of the transaction processing based on customer operation corresponding to the clerk operation in the clerk terminal device unit 300. It is explanatory drawing which shows the mode of the initial guidance display to the customer displayed on the customer operation part 210. FIG. It is explanatory drawing which shows the mode of the form insertion guidance display to the customer displayed on the customer operation part 210. FIG. It is explanatory drawing which shows the mode of the form confirmation display to the customer displayed on the customer operation part 210. FIG. It is explanatory drawing which shows the mode of the transaction content display to the attendant displayed on the attendant operation part 310. FIG. It is explanatory drawing which shows the mode of the correction item display to the customer displayed on the customer operation part 210 at the time of the standby of the correction by a customer. It is explanatory drawing which shows the mode of the correction stand-by display displayed on the customer operation part 210. FIG. It is explanatory drawing which shows the mode of the personal confirmation instruction | indication display displayed on the staff operation part 310. FIG. It is explanatory drawing which shows the mode of the presentation of the payment method to the customer displayed on the customer operation part 210. FIG. It is explanatory drawing which shows the mode of the display for the payment confirmation displayed on the staff operation part 310. FIG.

  Embodiments of a customer-facing transaction processing apparatus according to the present invention will be described below with reference to the drawings.

[Example 1]
FIG. 1 is an explanatory diagram showing a schematic configuration of a deposit / withdrawal transaction processing apparatus 100 at a bank window as a customer-facing transaction processing apparatus according to the first embodiment, and FIG. 2 is a schematic view of the deposit / withdrawal transaction processing apparatus 100 in a side view. It is explanatory drawing which shows a structure. The deposit / withdrawal transaction processing apparatus 100 shown in the figure is configured on the assumption that it will be installed at a bank window and used for deposit / withdrawal, transfer, tax payment, utility bill payment, etc. It is executed through the corresponding operation. In order to execute such transaction processing, the deposit / withdrawal transaction processing apparatus 100 includes two customer terminal device units 200 for accepting customer operations and a staff member as shown in FIGS. And a staff terminal device unit 300 that accepts the operation. The two customer terminal device units 200 have the same device configuration and are lined up side by side in FIG. Further, the two customer terminal device units 200 face the staff terminal device unit 300 with the counter 110 of the bank window interposed therebetween. The two customer terminal device units 200 and the clerk terminal device unit 300 each include a customer operation unit 210 and a clerk operation unit 310 on the counter table 112 with the counter 110 interposed therebetween. Therefore, the customer and the clerk face each other across the counter 110, and various operations associated with the deposit / withdrawal transaction are performed by the customer operation unit 210 and the clerk operation unit 310, respectively in a standing posture. Hereinafter, the configurations of the customer terminal device unit 200 and the clerk terminal device unit 300 will be described including their functional configurations.

  FIG. 3 is an explanatory diagram showing the overall configuration of the deposit / withdrawal transaction processing apparatus 100 together with the functional configurations of the customer terminal device unit 200 and the clerk terminal device unit 300. As shown in FIGS. 3 and 1, the customer terminal device unit 200 includes a customer operation unit 210, a banknote deposit / withdrawal port 202, a coin deposit / withdrawal port 204, a biometric authentication unit 220, and a card reader. 230, a form reading unit 240, a passbook printer 250, a slip printer 260, a control unit 270, and a cash processing unit 280. The above-mentioned units including the customer operation unit 210 are connected to the control unit 270 so as to be able to transmit and receive data. Under the control of the control unit 270, deposit and withdrawal of cash, transfer, tax payment, payment of utility charges, etc. Involved in customer operations and various processes for executing gold transactions as described later.

  The banknote deposit / withdrawal port 202 receives a deposit banknote from a customer or pays out a withdrawal banknote to a customer. The coin deposit / withdrawal port 204 receives and pays out coins. Both of these deposit / withdrawal ports are installed closer to the counter 110 than the customer operation unit 210, and open / close a door (not shown) under the control of the control unit 270 and the cash processing unit 280, and are involved in deposit / withdrawal of bills or coins. .

  The customer operation unit 210 has a touch panel capable of displaying an image, is installed in the counter table 112 so that the panel surface faces the upper surface of the counter table 112, and is operated in a standing posture by the customer as described above. . By installing the customer operation unit 210 in this way, it is possible to conceal the operation of the customer operation unit 210 of the adjacent customer from customers who make various transactions with the adjacent customer terminal device unit 200. Then, under the control of the control unit 270, the customer operation unit 210 displays necessary operation content on the touch panel to guide the customer operation, and outputs the panel operation status by the customer to the control unit 270. The display contents and customer operations of the customer operation unit 210 will be described later.

  The biometric authentication unit 220 is installed on the counter table 112 so as to be located on the side of the customer operation unit 210. The biometric authentication unit 220 reads a customer's fingerprint, vein pattern, etc. in order to identify the individual customer, and sends the read result to the control unit 270. Send. The card reader 230 is provided together with the biometric authentication unit 220, reads the stored contents of the cash card inserted by the customer, and outputs the read result to the control unit 270. The passbook printer 250 and the slip printer 260 are embedded in the counter 110 with the entrance / exit of the slip / slip facing the customer side, respectively, and print the result of the deposit / withdrawal transaction on the book or slip under the control of the control unit 270. , Deliver to customers.

  The form reading unit 240 is a deposit / withdrawal transaction using the form Ch entered by the customer among the above-mentioned various deposit / withdrawal transactions, for example, a transfer form that is always provided at a bank window, a utility bill, a tax transfer, etc. Used for deposit / withdrawal processing using forms. In this case, a transfer amount, transfer destination information, and the like are entered in these forms Ch by the customer, and the completed form Ch is handled by the form reading unit 240. As shown in FIG. 1, the form reading unit 240 is arranged on the right end or the left end side of each customer terminal device unit 200 arranged with the partition 120 interposed therebetween, and the customer operation unit 210, the biometric authentication unit 220, etc. Are installed in the counter table 112 and the counter 110 in the same order in each of the customer terminal device units 200. In this way, a cash processing unit 280, which will be described later, is installed between two customer terminal device units 200 arranged with the partition 120 in between, and the banknote deposit / withdrawal port 202 and the coin deposit / withdrawal port of each terminal device unit are installed. 204 can be placed in close proximity. In addition, when the cash processing unit 280 is shared by the two customer terminal device units 200, it is possible to collect the transport routes of banknotes and coins.

  FIG. 4 is an explanatory diagram showing a schematic configuration of the form reading unit 240. As shown in the figure, the form reading unit 240 is installed on the counter table 112 so as to adopt the above-described arrangement, and the form insertion port 241 into which the form Ch is inserted is positioned on the table. The form reading unit 240 includes an upper stack tray 242u, a lower stack tray 242d, a form transport path 243, a form scanner 244, a printing unit 245, an operation state display lamp 246, and a cancel button 247, in addition to the form insertion port 241. And a form status lamp 248.

  The form transport path 243 transports the form Ch inserted into the form insertion slot 241 along the form transport path 243 to the upper stack tray 242u and the lower stack tray 242d. The form scanner 244 scans the form Ch conveyed through the form conveyance path 243 and transmits the scanned image to the control unit 270. The printing unit 245 prints on the form Ch scanned by the form scanner 244 to the effect that it has been scanned under the control of the control unit 270. The operation state display lamp 246 displays a state in which the form Ch can be inserted and a state of waiting for insertion under the control of the control unit 270. For example, before the insertion of the form Ch into the form reading unit 240, the operation state display lamp 246 is controlled to be lit in blue indicating that the form can be inserted, and the form Ch has already been inserted and is being read or printed. If processing is in progress, lighting control is performed in red indicating that the form cannot be inserted. The cancel button 247 is operated by the customer when the customer desires to cancel the transaction regarding the inserted form Ch, and transmits a transaction cancel signal to the control unit 270. Upon receiving this transaction cancel signal, the control unit 270 cancels scanning by the form scanner 244 and printing by the printing unit 245, and does not perform any processing on the form Ch to the upper stack tray 242u or the lower stack tray 242d. Transport. The form status lamp 248 is controlled to be turned on by the control unit 270 in accordance with the operation of the cancel button 247 and notifies the staff of the cancellation of the transaction. The form Ch is transported to the upper stack tray 242u or the lower stack tray 242d and taken out to a staff member regardless of whether the transaction is executed or canceled. The form Ch is used by a staff member for a terminal operation in a staff terminal device unit 300, which will be described later, when the transaction is executed, and is returned from the staff member to the customer in the case of canceling the transaction.

  The control unit 270 has a CPU and a memory for storing programs, data, and the like so as to control various controls of the customer terminal device unit 200. The control unit 270 controls the display of the customer operation unit 210 and forms using the form reading unit 240. In addition to scan control and print control at the time of transaction, processing such as money transfer management processing using a cash processing unit 280 described later is performed. As shown in FIG. 3, the control unit 270 of each adjacent customer terminal device unit 200 is connected to the control unit 350 and server 150 of the clerk terminal device unit 300, which will be described later, via the data communication line DL1, and is controlled. Data is transmitted to and received from the unit 350 and the server 150. Moreover, each control part 270 of the customer terminal apparatus unit 200 adjacent is connected with the cash process part 280 demonstrated below by the data communication line DL2, and transmits / receives data mutually with the cash process part 280, and a banknote and / or Alternatively, coin deposit / withdrawal processing is executed in cooperation with the cash processing unit 280. The data communication line DL1 and the data communication line DL2 can be dedicated lines, and the server 150 can be connected to a public communication line capable of data communication under security management, for example, the Internet.

  As shown in FIG. 1, the cash processing unit 280 is installed between two customer terminal device units 200 that are arranged across the partition 120, and as shown in FIG. 3, each of the adjacent customer terminal device units 200. Control unit 270 and data communication line DL2 are connected. FIG. 5 is an explanatory diagram showing a functional configuration of the cash processing unit 280. As shown in the figure, the cash processing unit 280 includes a transport control unit 282, a bill stacker 284b, a coin stacker 284c, a reserve coin stacker 284Cc, a transport path unit 286, and a storage status lamp 287. The conveyance control unit 282 has a CPU and a memory for storing programs, data, and the like, and executes deposit and withdrawal processing of banknotes and / or coins under the control of the control unit 270 of each adjacent customer terminal device unit 200. To do. The banknote stacker 284b and the coin stacker 284c are prepared for each adjacent customer terminal device unit 200, and are provided with a large number of stackers for each denomination, so that banknotes or coins can be stored and dispensed. Has been. The spare coin stacker 284Cc is shared by each adjacent customer terminal device unit 200, and deposits and stores coins deposited in large quantities from each unit. The conveyance path unit 286 includes, in addition to the banknote deposit / withdrawal path from each banknote deposit / withdrawal port 202 of the adjacent customer terminal device unit 200 to the banknote stacker 284b and vice versa, each coin deposit / withdrawal port. A coin depositing path from 204 to the coin stacker 284c, a reverse coin dispensing path, and a mass coin depositing path from each coin stacker 284c to the reserve coin stacker 284Cc are formed, and each path is passed. An identification device (not shown) for discriminating the denomination of bills and coins is provided.

  The conveyance control unit 282 of the cash processing unit 280 described above is a banknote or a coin (hereinafter referred to as money) deposited from the banknote deposit / withdrawal port 202 or the coin deposit / withdrawal port 204 in a normal transaction (cash transaction such as exchange or transfer). Are transferred for each denomination to the banknote stacker 284b and the coin stacker 284c using the transport path section 286 under the control of the control section 270. In the withdrawal, the transport control unit 282 delivers and dispenses a predetermined number or a predetermined number of coins of each denomination from the banknote stacker 284b and the coin stacker 284c until the amount necessary for the withdrawal is reached under the control of the control unit 270. Then, the dispensed money is withdrawn and conveyed to the banknote deposit / withdrawal port 202 and the coin deposit / withdrawal port 204 via the conveyance path unit 286. On the other hand, for example, when the customer desires to exchange a large amount of coins into banknotes, the conveyance control unit 282 transfers the large amount of deposited coins to the coin stacker 284c under the control of the control unit 270. In consideration of the coin storage status of the coin stacker 284c, the received coins are temporarily stored in the coin stacker 284c or directly transferred to the reserve coin stacker 284Cc. In this way, it is possible to prevent the coin stacker 284c from becoming full when a large amount of coins are brought in, and by controlling the lighting of the storage status lamp 287, the storage status of a large amount of coins is notified to the staff. The user can be prompted to take it out. In this case, the reserve coin stacker 284Cc does not require a dispensing mechanism for paying out coins from the stacker, so that the structure can be simplified and the cost can be reduced. The spare coin stacker 284Cc is configured to have a coin payout / withdrawal mechanism, and after the coins stored in the reserve coin stacker 284Cc are paid out, they are stored in the coin stacker 284c in each customer terminal device unit 200. It can also be conveyed. If it carries out like this, it will become possible to aim at the suppression of the coin shortage in the coin stacker 284c in the adjacent customer terminal device unit 200, and the opportunity reduction of coin replenishment.

  Of the transaction processing performed by the customer terminal device unit 200 described above, the control of the control unit 270 is used for transactions completed on the customer terminal device unit 200 side, such as money exchange transactions and deposits / withdrawals to the customer's own account. Below, the customer operation of the customer operation unit 210 in each of the customer terminal device units 200 and the control of the cash processing unit 280 and the like are completed. However, a customer-facing transaction through a customer operation at the customer terminal device unit 200 and a clerk operation at the clerk terminal device unit 300 (to be described later) corresponding to the customer operation, such as a remittance transfer, a transfer of public charges, taxes, etc. The form transaction is executed in cooperation with the clerk terminal device unit 300 as will be described later.

  Next, the staff terminal device unit 300 will be described. As shown in FIGS. 1 and 2, the clerk terminal device unit 300 includes a clerk operation unit 310 and a document camera 340 as its external configuration, and these are arranged on the counter table 112. The clerk operation unit 310 has a touch panel that can display an image, and the touch panel stands up on its base, and the back side of the panel display unit faces the customer over the counter 110, and the panel display unit displays an image. It is installed in the counter table 112 so that the surface faces the clerk, and is operated in a standing posture by the clerk as described above. By placing the clerk operation unit 310 upright as described above, the operation of the clerk operation unit 310 of the clerk can be concealed from customers facing the clerk across the counter 110. In this case, if the operation from the customer facing the clerk across the counter 110 can be concealed, for example, by setting the counter 110 as a high counter, the clerk operation unit 310 is arranged so that the panel surface faces upward. It can be embedded in the counter table 112.

  As shown in FIG. 3, the clerk terminal device unit 300 includes a control unit 350 that controls the clerk operation unit 310 and the document camera 340, as shown in FIG. 3, and the control unit 350 has data as described above. Each control unit 270 of the customer terminal equipment unit 200 and the server 150 are connected via the communication line DL1. The control unit 350 includes a CPU and a memory for storing programs, data, and the like so as to control various controls of the clerk terminal device unit 300. The control unit 350 controls the display of the clerk operation unit 310 and forms transactions using the document camera 340. In this case, the image reading control of the form is performed. In the clerk operation unit 310 in the clerk terminal device unit 300 and the customer operation unit 210 in the customer terminal device unit 200, operation devices such as a keyboard and a mouse are used instead of or in addition to the touch panel type configuration. It can also comprise.

  Next, the state of execution of transaction processing in the deposit / withdrawal transaction processing apparatus 100 will be described step by step along the customer operation at the customer terminal device unit 200. FIG. 6 is an explanatory diagram for explaining the state of execution of transaction processing based on the customer operation in the customer terminal device unit 200 in the initial state in correspondence with the clerk operation in the clerk terminal device unit 300, and FIG. 7 is based on the customer operation. FIG. 8 is an explanatory diagram for explaining the state of execution in the second stage of transaction processing in correspondence with the clerk operation at the clerk terminal device unit 300, and FIG. 8 shows the state of execution in the final state of the transaction process based on the customer operation. FIG. 6 is an explanatory diagram for explaining in correspondence with a staff operation in the device unit 300; The processing of each step shown in the figure is executed in response to a customer operation and an attendant operation by the respective control units 270 of the adjacent customer terminal device units 200 and the control unit 350 of the attendant terminal device unit 300.

  As shown in FIG. 6, the control unit 270 of the customer terminal device unit 200 first displays an initial screen on the customer operation unit 210 (step S100), and waits for the customer to operate the customer operation unit 210 (customer operation). (Step S110). FIG. 9 is an explanatory diagram showing a state of initial guidance display to the customer displayed on the customer operation unit 210. As shown in FIG. 9, the control unit 270 includes an initial display including display of various transaction buttons such as deposit, withdrawal, transfer, tax payment, utility bill payment, and currency exchange, and a display prompting the customer to operate the transaction button. The guidance display is displayed on the customer operation unit 210, and the customer operation of these transaction buttons is waited for after the initial guidance display. On the other hand, the control unit 350 of the clerk terminal device unit 300 waits for an operation of the clerk operation unit 310 by the clerk (clerk operation) and a response from the control unit 270 of the customer terminal device unit 200 (step S300). In the initial state of the transaction process shown in FIG. 6, the processing content is executed on the control unit 270 side of the customer terminal device unit 200, and the attendant terminal device unit 300 is not involved. Therefore, the clerk terminal device unit 300 may execute processing other than the customer-facing transaction processing in the bank window service during the standby in step S300.

  When any one of the transaction buttons shown in FIG. 9 is operated by the customer, a button operation signal corresponding to the operated transaction button operation is output from the customer operation unit 210 to the control unit 270. Then, the control unit 270 solves the standby operation through the input of the button operation signal, and determines whether the transaction is a form transaction according to the type of the transaction button of the customer operation (step S120). Of the transaction buttons shown in FIG. 9, deposit, withdrawal, and exchange are processes that can be executed by the customer terminal device unit 200, specifically the control unit 270, without using a form. For transfer, tax payment, and utility bill payment, , It becomes a transaction using a form. Therefore, when the control unit 270 makes a negative determination in step S120 that the transaction is not a form transaction, the transaction process corresponding to the button operation by the customer, that is, any one of deposit, withdrawal, and exchange processing is performed. The cash processing unit 280 and the like are controlled and executed (step S130), the present routine is terminated, and the above-described initial screen is displayed on the customer operation unit 210 in preparation for transaction processing with the next customer. In addition, about the transaction processing of deposit, withdrawal, and exchange, since the clerk terminal device unit 300 is not involved in the processing execution, description of details of each processing is omitted. The same applies to the deliveries shown in FIG. 9 and others.

  On the other hand, when the control unit 270 determines in step S120 that the transaction is a form transaction, the control unit 270 waits for the customer to insert a form (step S140). In the form insertion standby, the control unit 270 controls the customer operation unit 210 and the operation state display lamp 246 as follows in order to prompt the customer to insert a form. FIG. 10 is an explanatory diagram showing a form insertion guidance display to the customer displayed on the customer operation unit 210. As shown in FIG. 10, the control unit 270 includes a form including a display for prompting the customer to insert the form Ch into the form insertion slot 241 and a button display of an end button and a cancel button as shown in FIG. 4. Displays an insertion guidance display. The operation state display lamp 246 is controlled to be lit in blue indicating that the form can be inserted to notify the customer that the form Ch can be inserted. The control unit 270 waits for the insertion of the form Ch after performing the form insertion guidance. In this case, the end button is operated by the customer after inserting the last form Ch when the customer desires a transaction using a plurality of forms Ch. The cancel button is operated when the customer desires to cancel the transaction. The operation signals corresponding to these button operations are output from the customer operation unit 210 to the control unit 270, and the control unit 270 determines that all forms have been inserted based on the end button operation signal. The control unit 270 determines that the transaction is stopped by the operation signal of the cancel button, returns the display of the customer operation unit 210 to the initial guidance display of FIG. 9 (step S100), and prepares for the start of another transaction by the customer.

  As shown in FIG. 4, when the form Ch is inserted into the form slot 241 by the customer, the control unit 270 transports the inserted form Ch through the form transport path 243, and reads the form Ch by the form scanner 244. And the reading result (read image data) is stored (step S150). At this time, the control unit 270 controls to turn on or turn off the operation state display lamp 246 in red indicating that insertion is impossible. Note that, in the reading of the form in step S150, for example, if there is an omission in necessary information such as a transfer amount, the control unit 270 controls the form conveyance path 243 to be reversely fed so that the form Ch is sent from the form input port 241 to the customer. The customer operation unit 210 can also display that there is an omission in the entry. The control unit 270 further continues the conveyance of the form Ch read in step S150, and then proceeds to step S160 in FIG. 7, and prints that the reading is completed on the form Ch in the printing unit 245 (see FIG. 4). I do. At this time, the control unit 270 controls the lighting of the operation state display lamp 246 so that the operation state display lamp 246 can be inserted, and prompts the customer to insert the next form Ch into the form insertion slot 241. Even if the next form Ch is inserted, the subsequent reading / printing is performed after the processing of the form Ch currently being processed is completed.

  Following the printing in step S160, the control unit 270 further continues the conveyance of the form Ch (step S170), and conveys the read / printed form Ch to the upper stack tray 242u or the lower stack tray 242d. In this case, the proper use of the upper stack tray 242u and the lower stack tray 242d is determined by which of the left and right customer terminal equipment units 200 in FIG. The form Ch transported to the upper stack tray 242u or the lower stack tray 242d is taken out by an attendant and used for transaction verification by the attendant.

  The control unit 270 displays the form reading result on the customer operation unit 210 based on the read image data of the form Ch read in step S160 (step S180). This result display can be performed in parallel with step S170. At the time of displaying the result in step S180, the control unit 270 processes the read image data of the read form Ch for image analysis processing, and is a part indispensable for transaction processing using the form Ch, specifically, the transfer amount and transfer Recognize the characters of the first, transfer requester (customer), etc. FIG. 11 is an explanatory diagram showing a form confirmation display to the customer displayed on the customer operation unit 210. As shown in FIG. 11, the control unit 270 presents the image display obtained by reading the form Ch and the character recognition result included in the image display to the customer at the customer operation unit 210 and prompts the customer to confirm the transaction content. And a button for a correction button and a confirmation completion button are displayed. Further, the control unit 270 sends the image display image of the form Ch and the character recognition result shown in FIG. 11 to the control unit 350 of the clerk terminal device unit 300 for transaction verification by the clerk and correction of transaction contents by the clerk described later. Send. In FIG. 11, the form number, the transfer amount, the transfer destination, the transfer principal, and the like are displayed as the character recognition result. However, only the transfer amount that is often corrected can be displayed as the character recognition result.

  The control unit 350 receives data transmitted from the control unit 270 according to the insertion operation (customer operation) of the form Ch by the customer, receives the transaction content desired by the customer (step S320), and receives the image of the form Ch. The display image and the character recognition result are displayed on the clerk operation unit 310 (step S330). FIG. 12 is an explanatory view showing the state of transaction details displayed to the clerk displayed on the clerk operation unit 310. As shown in FIG. 12, the control unit 350 presents an image display obtained by reading the form Ch and a character recognition result included in the image display to the clerk at the clerk operation unit 310, and also relates to transaction content correction by the clerk described later. A correction button or the like is displayed, and a confirmation button is displayed when processing associated with the customer identity confirmation is started. As shown in FIG. 12, the clerk operation unit 310 is controlled by the control unit 350 so that the display screens for each of the two customer terminal device units 200 can be switched and displayed. Following this display, control unit 350 waits for an operation by an attendant (step S340). The clerk operation in this case is a correction operation for correcting the transaction content in response to a customer request. Note that the data transmission to the control unit 350 is not limited to the display timing in step S180, but may be performed at an appropriate timing. Further, data transmission from the control unit 270 to the control unit 350 and vice versa can be performed via the server 150.

  Following the display of the reading result in step S180, the control unit 270 determines whether or not the transaction content needs to be corrected by a button operation by the customer of the correction button or the confirmation completion button shown in FIG. 11 (step S190). Here, if the confirmation completion button is operated by the customer, the control unit 270 receives the button operation by the customer, and confirms the content of the transaction processing accompanying the insertion of the current form Ch (step S200), and the transaction After storing the processing contents, the process proceeds to the processing described later. When the confirmation completion button is operated by the customer, it is unnecessary to modify the transaction content by the clerk operation in the clerk operation unit 310, so steps S340 to 360 shown in FIG. .

  When the correction button shown in FIG. 11 is operated by the customer, the control unit 270 determines in step S190 that the customer himself corrects the transaction content by operating the customer operation unit 210, and waits for correction by the customer ( Step S210). FIG. 13 is an explanatory diagram showing how correction items are displayed to the customer displayed on the customer operation unit 210 when waiting for correction by the customer. As shown in FIG. 13, the control unit 270 presents the image display obtained by reading the form Ch and the character recognition result included in the image display to the customer at the customer operation unit 210, and the correction target for each character recognition result. Are displayed, a correction request button for requesting a staff member to correct transaction contents, and a correction completion button and a cancel button are displayed. When the customer operates the correction selection code for each displayed character recognition result, the operated character recognition result is set as a correction item, and the control unit 270 displays the character recognition result of the correction item in the input field for correction content. indicate. FIG. 13 shows an example in which the transfer amount is set as a correction item, and the customer appropriately corrects the numerical value surrounded by □ in the figure. Specifically, when the transfer amount is set as a correction item by the customer operation of the correction selection code, the control unit 270 displays a numeric key and a cursor key at the display position of the image display and the character recognition result. By the operation, correction of the displayed transfer amount is received from the customer. If it is correction of a transfer destination etc., the control part 270 will display a character input key in said display location, and will receive correction by a customer. Then, the control unit 270 receives the operation of the completion button of the customer, proceeds to step S200, and confirms the transaction content to the content including the corrected correction item. As shown in Fig. 1 and Fig. 2, the clerk is waiting at the counter and facing the customer, so the customer can easily revise with the advice of the clerk. You can do the operation. At this time, the control unit 350 displays the same screen as the customer operation unit 210 on the clerk operation unit 310 on the clerk side. Even when the transaction details are modified by the customer in this way, the modification of the transaction details by the clerk operation in the clerk operation unit 310 is unnecessary, so steps S340 to 360 shown in FIG. Is done.

  On the other hand, following the customer operation of the correction button shown in FIG. 11, when the correction request button shown in FIG. 13 is operated by the customer, the control unit 270 causes the clerk to operate the clerk operation unit 310 in step S190. It is determined to be used and corrected, and the transaction content is corrected by an attendant (step S220). FIG. 14 is an explanatory diagram showing the state of the correction standby display displayed on the customer operation unit 210. As shown in FIG. 14, the control unit 270 prompts the customer to wait until a transaction content correction described below by the attendant is completed. In addition, the control unit 270 transmits a control signal to the control unit 350 in response to the customer operation of the correction request button in FIG. Upon receiving this control signal, the control unit 350 solves the clerk operation standby in step S340 of FIG. 7, and instructs the clerk to correct the transaction content (step S350). For example, the control unit 350 controls blinking of the correction button of FIG. 12 displayed on the clerk operation unit 310 in step S330 when waiting for the clerk operation, and prompts the clerk to correct the transaction content. Upon receiving this instruction, the clerk takes out the form Ch that is currently subject to transaction processing from the upper stack tray 242u or the lower stack tray 242d of the form reading unit 240 (see FIG. 4), and the contents of the form and the clerk operation. The display transaction content (FIG. 12) of the part 310 is collated. Then, if correction is necessary, the clerk operates the correction button in FIG. 12 or the front / rear selection button of the form data below it to correct the transaction content. When the transaction details are corrected by the clerk, the control unit 350 can perform selection code display and correction content display of the correction target item on the clerk operation unit 310 as in the case of the customer operation unit 210 as shown in FIG. In addition, transaction details can be corrected by a staff member using a mouse or a keyboard. When the completion of the transaction content correction by the clerk is detected by the re-operation of the correction button in FIG. 12, the control unit 350 transmits the transaction content corrected by the clerk to the control unit 270 (step S360). Upon receiving this data transmission, the control unit 270 solves the transaction content correction wait by the staff in step S220, moves to step S200, and confirms the transaction content to the contents including the correction items corrected by the staff in the staff operation unit 310. To do. As described above, the transaction content determination in step S220 is performed when the transaction content is not modified, when the transaction content is modified by a customer operation, and when the transaction content is modified by an clerk operation, and then control is performed. The unit 270 returns the display of the customer operation unit 210 to the display of FIG. 10, and then proceeds to step S230 of FIG.

  In step S230 in FIG. 8, the control unit 270 determines whether or not the form Ch to be read remains based on whether or not the end button in FIG. 10 displayed on the customer operation unit 210 is operated by the customer. Here, if there is no customer operation of the end button, the control unit 270 proceeds to step S140 in FIG. 6, waits for the customer to insert the form, performs the lighting control of the operation state display lamp 246 described above, and the customer Encourage the insertion of forms. If the customer wants to transfer money to two locations using two forms Ch, the two forms Ch are one by one through the customer operations described above and the corresponding staff operations. Then, it will be processed sequentially. Then, when the customer inserts the last one form Ch into the form insertion slot 241, the customer operates the end button in FIG.

  In response to the customer operation of the end button in FIG. 10, the control unit 270 waits for identity verification by an attendant (step S240). On the other hand, following the correction content transmission in step S360 of FIG. 7, the control unit 350 instructs the staff member to confirm the identity using the staff member operation unit 310 (step S370), and then waits for the staff member to complete the person confirmation operation. (Step S380). For example, the control unit 350 controls blinking of the identity confirmation button of FIG. 12 displayed on the clerk operation unit 310 in step S330 when waiting for the clerk operation, and prompts the clerk to confirm the identity of the customer. The staff member who has received this instruction executes various operations for identity verification. For example, if the customer provides the authentication data of the customer himself / herself to the control unit 270 using the biometric authentication unit 220 (see FIG. 2), the attendant receives the authentication data from the control unit 270. An operation for collating with the customer authentication confirmation data stored in the server 150 is performed by the clerk operation unit 310 to perform identity verification. Alternatively, the display shown in FIG. 12 in which the identity confirmation button is controlled to blink as described above can be changed to an identity confirmation display through the following staff operation. First, the clerk receives an identification document (for example, a driver's license) from the customer, and performs a reading operation of reading the confirmation document with the document camera 340. Then, the control unit 350 displays the image read by the document camera 340 at the transaction content display location in the staff operation unit 310 of FIG. In addition, the reading image of the document camera 340 can be displayed on the clerk operation unit 310 as a mode suitable for the personal identification instruction. FIG. 15 is an explanatory view showing the state of the identity confirmation instruction display displayed on the clerk operation unit 310. In FIG. 15, the control unit 350 displays an image prompting the staff to confirm the identity, and displays an image of the document for identifying the identity read by the document camera 340 below the display. To do. The clerk compares the customer facing the clerk operation unit 310 and the counter 110 with the display image, and performs identity verification. In this case, the document camera 340 is installed on the side of the clerk terminal device unit 300 over the counter with respect to the customer, but the imaging area of the document camera 340 is included in the field of view of the customer. Therefore, since the customer can visually check the reading operation and the reading operation of the confirmation document performed by the clerk, it is possible to prevent the customer from inadvertently distrusting the identity confirmation operation by the clerk. Further, since the display screen of the clerk operation unit 310 is concealed from the customer by the clerk operation unit 310, the operation status and operation of the personal identification by the clerk can be concealed from the customer. It should be noted that the identity confirmation instruction to the staff in step S370 by the control unit 350 can be started upon receiving the customer operation of the end button of FIG. 10 displayed on the customer operation unit 210 from the control unit 270.

  When the clerk finishes the above identity verification, the clerk operates the confirmation completion button in FIG. 12 or 15 in the clerk operation unit 310. In response to the operation of the confirmation completion button by the staff, the control unit 350 releases the standby in step S380, transmits an identification confirmation completion signal to the control unit 270 (step S390), and the customer makes payment at the customer terminal device unit 200. (Step S400). On the other hand, the control unit 270 receives the identity confirmation completion signal from the control unit 350, solves the standby in step S240, presents the payment method to the customer, and waits for the customer's payment (step S250). . FIG. 16 is an explanatory diagram showing a manner of presenting a payment method to a customer displayed on the customer operation unit 210. As shown in FIG. 16, the control unit 270 displays a message that prompts the customer to select a payment method, displays the payment amount that has been confirmed in step S220, and displays operation buttons for each payment method. . In the present embodiment, when performing transaction processing using a plurality of forms Ch, the above-described steps S140 to S220 are repeated for each form Ch. Therefore, the payment amount in FIG. It becomes the total transfer amount of the used multiple transaction processing and transfer processing. This total transfer amount can be totaled by the customer terminal device unit 200 that is actually operated by the customer, that is, the control unit 270, and the control unit 350 of the clerk terminal device unit 300 also receives the transaction details in step S320. Can be aggregated.

  When the customer operates the operation button for each payment method shown in FIG. 16, the control unit 270 receives the customer operation and executes a deposit process (step S260). For example, when the customer operates the cash button in FIG. 16, the control unit 270 receives the customer operation, and controls the deposit / withdrawal of the banknote deposit / withdrawal port 202, the coin deposit / withdrawal port 204 and the cash processing unit 280, specifically, The shutter opening control of the deposit / withdrawal port, the conveyance control of the deposited banknotes and deposited coins to the cash processing unit 280 (specifically, the banknote stacker 284b and the coin stacker 284c), etc. are executed to accept the deposit from the customer. The deposit amount from the customer is counted while banknotes and coins are transported by the transport path unit 286 of the cash processing unit 280, and the control unit 270 transmits the count amount (payment amount) to the control unit 350. Upon receiving the transmission of the amount data, the control unit 350 releases the standby in step S400, displays a payment confirmation display on the clerk operation unit 310, and transmits the confirmation result (step S410). FIG. 17 is an explanatory diagram showing a display for confirmation of payment displayed on the clerk operation unit 310. As shown in FIG. 17, the control unit 350 gives a check button to the clerk operation unit 310 in addition to the deposit amount from the customer, the total transfer amount in all the current transaction processes, and the change amount to the customer. indicate. The clerk operates the confirmation button after confirming the payment in the display of FIG. In response to the confirmation button operation, the control unit 350 transmits a signal indicating payment confirmation to the control unit 270 (step S410), and exits this routine. Upon receipt of this payment confirmation signal, the control unit 270 returns the change to the customer through the control of the transport path unit 286, etc., performs slip printing on the slip printer 260, discharges it, etc., and deposits in step S260. Ends processing and exits this routine. For the customer, the transaction processing is completed when the slip is received.

  When the customer operates the account transfer (cash card) button shown in FIG. 16, the control unit 270 receives the customer operation and executes a deposit process including acceptance of a card by the card reader 230, reading of card information, and the like. (Step S260). The card information and the like are also transmitted from the control unit 270 to the control unit 350, and the control unit 350 displays the total transfer amount, the account balance, etc. on the clerk operation unit 310, and requests clerk confirmation. In the case of account transfer (seal), confirmation of the clerk is requested, including the reading of the stamp imprinted on the form Ch and its verification.

  The transaction processing described above is for one customer terminal device unit 200 and a clerk terminal device unit 300. However, the clerk terminal device unit 300 also performs a series of steps S320 to 410 for other customer terminal device units 200. Transaction processing in parallel. That is, the two customer terminal device units 200 adjacent to each other include a code that can identify the device unit when data is transmitted from the control unit 270 that the customer terminal device unit 200 has to the control unit 350 of the clerk operation unit 310. Therefore, the control unit 350 that receives data transmission corresponding to the customer operation from the control unit 270 of each customer terminal device unit 200 is applicable after identifying which customer terminal device unit 200 is the data transmission. Signals and data associated with the clerk operation during the series of transaction processing in steps S320 to 410 can be transmitted individually or concurrently to the control unit 270 of the customer terminal device unit 200.

  As described above, the deposit / withdrawal transaction processing apparatus 100 according to the present embodiment, as shown in FIGS. 1 to 2, executes a customer desired monetary transaction through a customer operation and a staff operation corresponding to the customer operation. In addition, two customer terminal equipment units 200 and a staff terminal equipment unit 300 are used. Each customer terminal device unit 200 is provided with a customer operation unit 210 for a customer to perform a customer operation necessary for performing a money transaction such as a transfer or payment of a utility bill, and the customer operation unit 210 performs a money transaction. It was configured as a touch panel that performs the necessary display. The clerk terminal device unit 300 includes a clerk operation unit 310 that performs a clerk operation necessary for performing a money transaction in response to a customer operation in the customer operation unit 210. Is configured as a touch panel that performs display necessary for performing money transactions. And the control part 270 which each customer terminal device unit 200 has cooperates with the control part 350 which clerk terminal device unit 300 has, customer operation and clerk operation part which the customer performed in each customer operation part 210 In response to the clerk operation performed by the clerk at 310 (FIGS. 6 to 8: steps S140 to 260 / steps S320 to 410), processing necessary for the execution of the money transaction is executed. In addition, the deposit / withdrawal transaction processing apparatus 100 according to the present embodiment includes two customer terminal device units 200 facing the staff terminal device unit 300 with the counter 110 interposed therebetween, thereby providing a customer and a staff member. The counters 110 are faced to face each other, and various operations associated with deposit / withdrawal transactions are performed by the customer operation unit 210 or the staff operation unit 310 in a standing posture. Moreover, in the deposit / withdrawal transaction processing apparatus 100 according to the present embodiment, the display screen in the clerk operation unit 310 is a customer operation performed by the customer operation unit 210 of the two customer terminal device units 200 with the counter 110 in between. The clerk operation unit 310 is arranged so as not to enter the field of view. Thereby, according to the deposit / withdrawal transaction processing apparatus 100 of a present Example, the confidentiality at the time of processing a customer desired money transaction can be improved. In addition, since the clerk terminal device unit 300 is arranged with the two customer terminal device units 200 and the counter 110 interposed therebetween, the counter 110 can further enhance the confidentiality. In addition, since one customer who operates the customer operation unit 310 can deal with two customers who operate the customer operation units 210 of each of the two customer terminal device units 200, The clerk response efficiency to customers can also be improved.

  Further, as shown in FIG. 2, the deposit / withdrawal transaction processing apparatus 100 according to the present embodiment is provided with the clerk operation unit 310 standing so that the display screen of the clerk operation unit 310 faces the clerk. Can be further enhanced. In the customer terminal equipment unit 200 adjacent to each other, each customer operation unit 210 operated by the customer in a standing posture is installed and installed in the counter table 112 so that the panel surface faces the upper surface of the counter table 112. Therefore, it is possible to conceal operations between customers who make various transactions with the adjacent customer terminal device units 200. The confidentiality between customers is further enhanced by the partition 120 provided between the adjacent customer terminal device units 200.

  Moreover, the deposit / withdrawal transaction processing apparatus 100 of a present Example makes the cash processing part 280 in the meantime by making the arrangement position of the form reading part 240 into the unit right end or left end in two adjacent customer terminal device units 200. It arrange | positions (FIG. 1), this cash processing part 280 is controlled by the control part 270 of each customer terminal device unit 200, and is used for the customer's cash transaction in each customer terminal device unit 200. In addition, the reserve coin stacker 284Cc of the cash processing unit 280 is shared by the adjacent customer terminal device units 200 and used for coin storage. For this reason, even when a large amount of coins are brought in by each customer terminal device unit 200 or one customer terminal device unit 200, the coin stacker 284c corresponding to each unit can be prevented from becoming full. . In this case, the sharing of the cash processing unit 280 between the two adjacent customer terminal device units 200, specifically the shared storage of the coins of the reserve coin stacker 284Cc, is a customer desired cash transaction, for example, It is also useful when depositing or changing coins to banknotes. That is, the cash processing unit 280 can be applied to an apparatus in which a plurality of customer terminal apparatus units 200 are installed without the attendant terminal apparatus unit 300, for example, an automatic transaction processing apparatus (ATM) or a currency exchange apparatus outside a bank store.

  In addition, the deposit / withdrawal transaction processing apparatus 100 according to the present embodiment performs the customer-desired money transaction through the customer operation and the staff operation corresponding to the customer operation, and the biometric authentication unit 220 on the customer terminal device unit 200 side. Or the document camera 340 on the clerk terminal device unit 300 side is used to perform a clerk operation for customer identification. Therefore, after confirming the identity of the person in charge, the certainty of the transaction can be ensured in the same manner as the existing procedure.

  In addition, the deposit / withdrawal transaction processing apparatus 100 according to the present embodiment performs the form scanner 244 (in the form Ch of the form Ch when executing the customer desired monetary transaction using the form Ch through the customer operation and the clerk operation corresponding to the customer operation. The customer operation unit 210 performs reading by FIG. 4), display of the read image (image image), and display of the recognized character, and the entry items of the form Ch can be corrected through the operation of the customer operation unit 210 by the customer. I did it. Therefore, it is possible to reduce the clerk correction work, one clerk can handle a plurality of customers, the number of customers per clerk increases, and the work efficiency of the bank counter improves. Moreover, in the deposit / withdrawal transaction processing apparatus 100 according to the present embodiment, the display of the read image (image image) of the form Ch and the display of the recognized character are also performed on the clerk operation unit 310. While looking at the display of the customer operation unit 210, the entry items of the form Ch can be easily corrected, and the usage efficiency of the customer terminal device unit 200 is increased accordingly.

  As mentioned above, this invention is not limited to an above-described Example, Various modifications are included. For example, in the above embodiment, the cash processing unit 280 is shared by two adjacent customer terminal device units 200, but the cash processing unit 280 may be installed for each device unit. In this case, the form reading units 240 of the two adjacent customer terminal device units 200 can be arranged adjacent to each other so that the clerk receives the form Ch from each form reading unit 240. It becomes easy to take out. In addition, the biometric authentication unit 220 and the card reader 230 may be integrated. In addition, the number of customer terminal device units 200 may be three or more, and a plurality of customer terminal device units 200 may be arranged in a fan shape with the clerk terminal device unit 300 as the center.

  In addition, although the customer operation unit 210 and the clerk operation unit 310 are configured as touch panels capable of displaying a screen, both operation units can be configured to be separated into an operation device and a display device.

Further, the above-described embodiment has been described in detail with respect to the configuration and the like in order to explain the present invention in an easy-to-understand manner, and is not necessarily limited to the one having all the configurations described in the embodiment. Further, a part of the configuration of a certain embodiment can be replaced with the configuration of another embodiment, and the configuration of another embodiment can be added to the configuration of a certain embodiment. Moreover, it is also possible to add, delete, and replace other configurations for a part of the configuration of each embodiment.
Furthermore, each of the above-described configurations, functions, processing units, processing means, and the like may be realized by hardware by designing a part or all of them with, for example, an integrated circuit. Each of the above-described configurations, functions, and the like may be realized by software by interpreting and executing a program that realizes each function by the processor. Information such as programs, tapes, and files for realizing each function can be stored in a recording device such as a memory, a hard disk, or an SSD (Solid State Drive), or a recording medium such as an IC card, an SD card, or a DVD.
In addition, the control lines and information lines indicate what is considered necessary for the explanation, and not all control lines and information lines are necessarily shown on the product. In practice, it can be considered that almost all the components are connected to each other.

DESCRIPTION OF SYMBOLS 100 ... Deposit / withdrawal transaction processing apparatus 110 ... Counter 112 ... Counter table 120 ... Partition 150 ... Server 200 ... Customer terminal device unit 202 ... Banknote deposit / withdrawal port 204 ... Coin deposit / withdrawal port 210 ... Customer operation part 220 ... Biometric authentication part 230 ... Card reader 240 ... form reading unit 241 ... form input slot 242d ... lower stack tray 242u ... upper stack tray 243 ... form transport path 244 ... form scanner 245 ... printing section 246 ... operation status display lamp 247 ... cancel button 248 ... form status lamp 250 ... Passbook printer 260 ... Voucher printer 270 ... Control unit 280 ... Cash processing unit 282 ... Conveyance control unit 284b ... Bill stacker 284c ... Coin stacker 284Cc ... Preliminary coin stacker 286 ... Conveyance path unit 287 ... Storage Status lamp 300 ... clerk terminal equipment units 310 ... staff operating unit 340 ... document camera 350 ... controller Ch ... form DL1 ... communication line DL2 ... communication line

Claims (5)

A customer-facing transaction processing apparatus that executes a customer desired monetary transaction through a customer operation and a clerk operation corresponding to the operation,
A customer terminal device unit having an operation unit for a customer to perform a customer-side operation at the time of transaction, which is the customer operation necessary for the execution of the money transaction, and a display unit for performing a display necessary for the execution of the money transaction;
An operation unit performed by a clerk in response to the customer side operation at the time of transaction by a customer in response to the customer side operation at the time of transaction by the customer and a display unit for performing display necessary for the execution of the money transaction A clerk terminal device unit comprising:
In response to the customer operation on the transaction side and the clerk operation on the transaction side, a processing execution unit that executes processing necessary for the execution of the money transaction,
The customer terminal device unit is prepared for each of a plurality of customers, and the display screen of the display unit in the clerk terminal device unit performs the customer operation on the prepared customer terminal device units. The clerk terminal device unit and the prepared plurality of customer terminal device units are arranged so as not to enter the customer's field of view,
For each of the plurality of prepared customer terminal device units, the processing execution unit is configured so that a clerk terminal device corresponds to the customer side operation at the time of transaction performed by the customer at the customer terminal device unit and the operation. A customer-facing transaction processing apparatus that executes the processing in response to the transaction-side clerk side operation performed by a unit.   The plurality of prepared customer terminal device units and the clerk terminal device unit are such that a customer and a clerk face each other, and the customer operation at the customer terminal device unit and the clerk operation at the clerk terminal device unit, respectively. The customer-facing transaction processing device according to claim 1, which is arranged to perform   The clerk terminal device unit is arranged on one side of a counter installed between each customer who performs the customer operation at the customer terminal device unit and a clerk who performs the clerk operation at the clerk terminal device unit. 3. The customer-facing transaction processing apparatus according to claim 1, wherein each of the plurality of prepared customer terminal equipment units is partitioned and arranged side by side on the other side of the counter. The customer-facing transaction processing apparatus according to any one of claims 1 to 3,
The customer terminal device unit and the clerk terminal device unit are configured such that the customer operation and the clerk operation are performed by a customer and a clerk as the money transaction in a bank transaction.
A coin processing unit that performs the deposit and withdrawal of coins accompanying the deposit and withdrawal transaction in the prepared plurality of customer terminal device units under the control of the processing execution unit, and the deposit and withdrawal transaction A banknote processing unit that performs the deposit conveyance and withdrawal conveyance of the accompanying banknotes under the control of the processing execution unit,
Adjacent customer terminal equipment units share a part of the coin stacker in which the curing processing unit stores coins of each denomination, and the curing processing unit performs storage and transport of coins to the shared coin stacker. Customer-facing transaction processing device.   The clerk terminal device unit includes a confirmation device for confirming the identity of a customer who desires the deposit / withdrawal transaction through the customer operation at the customer terminal device unit, and for the identity confirmation by the confirmation device. The customer-facing transaction processing apparatus according to claim 4, wherein an clerk operation is performed as the clerk operation.

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