KR20060123981A - Receiving / Supporting Business System and Method of Financial Institution - Google Patents

Abstract

The present invention collects the physical documents received at the sales office and sends them to the back center through logistics, and through the recognition process through the electronic form of the image in the back center to automate the collection of customer information, and review and approve while querying the relevant images online. The present invention relates to a receiving / supporting business system and a method of a financial institution to be made, and the present invention transmits documents to be processed for reception and support to a receiving / supporting back center by attaching an aggregation table for each teller's sales office, and scans them. A sales office system for transmitting the completed document to the document management center; A document management center for assigning and registering barcodes on the transmitted real documents; A computer center for storing and managing image and index information of the reception / support document and distributing the work according to a predetermined business process and transmitting the work to the reception / support back center; Receiving / Supporting Services When real documents are scanned and inputted, after undergoing a recognition process, the image data is sent to the computer center, and the registered image data related to the relevant business is inquired or the customer's information stored in the existing system is inquired. Receiving / supporting back center to determine the processing result accordingly.

Description

BUSINESS SYSTEM FOR RECEPTION AND SUPPORTING OF BANKING ORGAN AND METHOD THEREOF}

1 is a block diagram showing the configuration of a receiving / supporting work system of a financial institution according to the present invention,

2 is a flowchart illustrating an example of a reception service in a reception / support backline center according to the present invention;

3 is an exemplary view of the person in charge screen in the reception / support back center in the present invention,

Figure 4 is an exemplary view of the exchange payment and the exchange history confirmation screen in the reception / support backline center in the present invention.

<Explanation of symbols for the main parts of the drawings>

200 ..... branch office system

300 ..... Document Management Center

400 ..... Computer Center

410 ..... image system

420 ..... Workflow System

430 ..... Existing system

500 ..... Receive / Support Back Center

The present invention relates to a receiving / support system of a financial institution, and in particular, collects physical documents received at a branch and sends them to a back center through logistics to collect customer information through an electronic document in the form of an image at the back center. It relates to a financial institution's reception / support system and its method of automating and distributing tasks to staff in each stage of the center, and reviewing and approving them while viewing relevant images online.

In general, major banks can be classified into receiving / sales support, property management, foreign exchange management, household / corporate credit, and logistics support. Receiving and managing tasks, settlement of checking accounts, issuance of check notes, after-sales management tasks, deposit and withdrawal of deposits, seizure of deposits in accordance with the seizure order received from the court, and the collection and return management or collection of received notes It can be regarded as a task encompassing management of bills or providing financial transaction information when certain requirements are met according to the law. It begins with the reception.

The branch of the bank actually contacts the customer and sells the banking products, processing activities such as marketing activities that are the basis of sales activities, and processing tasks such as loan date management / credit processing, which occur on a regular or recurring basis. It is engaged in various business activities, including back office work such as management and auditing.

As a result of analyzing various business activities of the branch, marketing and sales are about 30%, and processing and back office work are 70% relative to the share of the work, and the processing weight is excessive. As can be seen from the results, there is a problem that it is difficult to efficiently perform the work of the sales office because the indirect activity is larger than the direct activities.

In addition, by processing and managing deposit documents, seizure orders, bills of trust, financial transaction information requests, and checks and bills, etc., by the store, a lot of space is required because of the storage place of the documents. It takes a lot of manpower and time to retrieve the stored documents, and can not know in real time the progress of the processing of the received documents in real time may delay the processing of the settlement / execution or accidents due to the missing payment of the responsible person There is a big problem that probability.

Accordingly, the present invention has been proposed to solve all the problems caused when processing the received document in the conventional financial institution as described above,

The object of the present invention is to collect the physical documents received at the branch and send them to the back center through logistics to automate the collection of customer information through the recognition process through the electronic document in the form of back image from the back center, It is to provide a receiving / supporting business system of financial institutions that are distributed and reviewed and approved while inquiring relevant images online.

Another object of the present invention is to collect the physical documents received at the branch and send them to the back center through logistics through the recognition process through the electronic form of the image in the back center to automate the collection of customer information and work to the person in charge of each step of the center Is to provide a method of receiving / supporting a financial institution that allows screening and approval while searching related images online.

"Receiving / supporting business system of a financial institution" according to the present invention for achieving the above object,

The documents to be processed for reception and support are attached to the reception / support back-end center, which will be described later by attaching an aggregate table for each teller's branch office, and the scanned data for specific work-related documents will be sent to the reception / support back-end center and the computer center. A branch office system for transmitting the real document, which has been scanned, to a document management center to be described later, and performing an inquiry of an image document in association with the computer center;

A document management center for assigning and registering bar codes to real documents transmitted from the branch office system;

Store and manage images and index information of the reception / support documents transmitted from the branch office system and the reception / support back center, and distribute the work according to a predetermined business process to transmit the data to the reception / support back center or to perform automatic examination. The computer center which executes the automatic audit process in the case of the automatic check;

After receiving and receiving the actual document received from the branch office system, the scanned document is inputted. After the recognition process, the image data is transmitted to the computer center. Inquiry of the stored customer information to determine the processing result in accordance with the conditions, if the task to be performed to the customer is characterized in that it comprises a reception / support backline center to execute directly to the customer.

The branch office system is characterized in that additionally processing the task of outputting the documents required for the task generated or received the corresponding documents from the customer who has completed the consultation.

The computing center includes an image system for storing and managing images and index information data of a document related to a reception / support task transmitted from the branch office system;

Work in accordance with the business process in conjunction with the branch office system, and distributes the work to the system of the person in charge of the reception / support backline center, and if the automatic audit by executing the built-in automatic audit process to perform the audit automatically A workflow system for inquiring, examining and processing documents stored in an image system;

In conjunction with the branch office system and the reception / support backline center, the control system to enable the inquiry of the necessary information in the account and information system, characterized in that consisting of an existing system that provides the necessary information.

The receiving / supporting back center may perform a function of distributing and transmitting a corresponding task to a task manager system of a next step determined in the business process flow according to the information provided from the workflow system of the computing center.

"Receiving / supporting business method of the financial institution" according to the present invention for achieving the other object as described above,

In the method of processing the reception / support work using a reception / support work system composed of a branch office system, a document management center, a computer center and a reception / support back center,

The sales office system sends the documents to be processed for the reception and support to the reception / support backline center, which will be described later by attaching an aggregate table for each teller branch, and transmits the scanned data for specific work-related documents to the reception / support backbone center and Transmitting to a computer center, the real document of which the scanning operation is completed, to a document management center to be described later, and performing an inquiry of an image document in association with the computer center;

Registering and assigning a barcode to a real document transmitted from the branch office system in the document management center;

The computer center stores and manages image and index information of the reception / support document transmitted from the branch office system and the reception / support back center, and distributes the work according to a predetermined business process to the reception / support back center. Performing the audit automatically by executing an automatic audit process in case of transmission or automatic audit;

The reception / support backline center receives the reception / support service physical document transmitted from the sales office system, scans and inputs the received document, passes the recognition process, and transmits the image data to the computer center, and the image registered in relation to the business. Inquiry data or customer information stored in the existing system to determine the processing result in accordance with the conditions, if the task to be performed to the customer, including the step of executing to the customer directly.

Hereinafter, a preferred embodiment of the present invention according to the technical spirit as described above will be described in detail with reference to the accompanying drawings.

1 is a block diagram showing the configuration of a "receipt / support system of financial institutions" according to the present invention.

Here, the reference numeral 200 transmits the documents to be processed for reception and support at the request of the customer 100 to the reception / support backline center 500 to be described later by attaching an aggregate table for each teller's sales office, and for specific work-related documents. The scanned data is transmitted to the reception / support back center 500 and the computer center 400, and the real document in which the scan operation is completed is transmitted to the document management center 300 to be described later, and the computer center 400 Represents a branch office system that performs an inquiry of an image document in association.

In addition, reference numeral 300 denotes a document management center that registers a bar code to a real document transmitted from the branch office system 200.

In addition, reference numeral 400 stores and manages the image and index information of the reception / support-related documents transmitted from the branch office system 200 and the reception / support back-line center 500, and distributes the work according to a predetermined business process By the transmission / support back center 500, or in the case of an automatic audit indicates the computerized center that performs the automatic screening process by performing an automatic screening.

In addition, the reference numeral 500 is received after the reception / support service physical document transmitted from the branch system 200 is received after scanning and input the image data to the computer center 400 after undergoing a recognition process, and It shows the reception / support back center that searches the registered image data related to it or checks the customer's information stored in the existing system to determine the processing result according to the condition, and executes it directly to the customer when it is to be executed to the customer.

The computer center 400 includes an image system 410 for storing and managing images and index information data of a document related to a reception / support task transmitted from the branch office system 200; Work in conjunction with the sales office system 200 according to the work process, and distributes the work to the system of the person in charge of the reception / support backline center 500, in the case of automatic audit by executing the built-in automatic audit process A workflow system 420 which performs a screening process and inquires and examines and processes documents stored in the image system 410; In conjunction with the branch office system 200 and the receiving / supporting backline center 500, the control system enables the inquiry of necessary information in the account system and the information system, and consists of the existing system 430 which provides the necessary contents.

The operation of the reception / support system of the financial institution according to the present invention configured as described above will be described in detail with reference to FIGS. 1 to 4.

First, the reception / support business system according to the present invention collects the physical documents received at the sales office and sends the logistic to the reception / support back-end center 500 through the distribution / electronic back-end center 500 in the form of an image. Through documenting process, the information collection process is automated and the work is distributed to the staff in each stage of the center. The relevant image documents are searched and reviewed and approved online.

To this end, the branch office system 200 outputs the documents required for the job according to the request of the customer 100 or generates documents or receives the documents from the customer 100 who has completed the consultation. Next, the documents to be processed will be attached to the tally table by the teller and the branch. Since the physical document attached to the aggregate table is sent to the reception / support backline center 500 through the logistics. In addition, the branch office system 200 scans only documents related to a specific task (foreclosure and collection all orders, real estate / real estate management tasks, etc.) and receives and supports image and index information when data is input. 400, the real document of which the scan operation is completed is transmitted to the document management center 300 through the logistics. Here, the person in charge of the branch office processes the work by inquiring the image document stored in the computer center 400 from the corresponding terminal to the corresponding terminal.

Next, in the document management center 300, when a physical document is received at the sales office or the reception / support back center 500 through logistics, a barcode is assigned to the corresponding physical document and registered, and the computer registration of the physical document is performed. After that, keep it in the library and manage it. If necessary, the person in charge of the document management center 300 finds the location of the document by using the barcode, and in the case of exporting or discarding the stored document, finds the document in the archived library and performs the computer registration and then exports or discards it. do.

Next, the computer center 400 receives the image and the index data from which the real document is scanned in the sales office system 200 and the reception / support back center 500, and the received document related to the reception / support work The index and the image of the image system 410 stores and manages. In addition, the workflow system 420 progresses the work according to the work process and distributes the work to the person in charge of the reception / support backline center 500. In addition, if it corresponds to the automatic audit process is automatically processed by executing an automatic audit process, the reception / support back center 500 and the branch office system 200 is stored in the image system 410 when necessary for work Inquiry, review and processing of existing documents. The sales person in charge or the person in charge of the receiving / supporting backline 500 will process the necessary information by inquiring or inputting necessary information from the existing system 430 (account system, information system).

Next, the receiving / supporting back center 500 receives the actual documents for receiving / supporting work, such as slips and slips, which are collected and sent from the branch system 200, and distributed to several persons in charge according to the amount of documents to be scanned and recognized. It is handled through the process. Representatives in charge of scanning and recognition is to complete the image processing for the real document to be transmitted to the computer center (400). 3 is an exemplary view of the person in charge of the screen, the physical document (paper, check) received the exchange request through the branch is counted and sent to the person in charge of scanning / recognition processing. The person in charge scans the real document sent from the sales office on the screen as shown in FIG. 3 and classifies the document. The image of the scanned real document can be confirmed by a viewer, and the image document which has undergone the recognition process is transmitted to the image system 410 of the computer center 400. After recognizing the serial number through the MICR, you can check the account information and customer information registered with the check in the existing system 430, and if necessary, the person in charge can directly examine the counterfeit through the seal ambassador system. Can be.

On the other hand, each person in charge of the business to look up the image data registered in relation to the corresponding work or the customer information stored in the existing system 430 to determine the processing result in accordance with the conditions. 4 is an exemplary diagram of the exchange payment and the exchange history confirmation screen, the judging station of the reception / support backline center (500) inquires and confirms the image document sent to the computer center 400 to determine whether the default check / bill or not If there is no direct payment processing in the reception / support backline center (500). The person in charge of the payment of the exchange payment can be approved and the check / image of the check / bill made with the payment can be checked and the transaction details on the confirmation screen.

In addition, the results audited or approved by the personnel at each stage of the task are stored in the workflow server and delivered to the staff at the next stage according to the business process flow. In the event that the task is ultimately executed by the customer, the execution person directly executes it to the customer.

2 is a flowchart illustrating an example of a reception service in a reception / support backline center according to the present invention. Where S stands for Step.

This is an example of how to establish a reception / support service, which is a flow chart of the "check deposit payment service" in the reception service part.

Upon receipt of the actual item from the draft exchange panel, the real image is processed in step S101, exchange check / bill data confirmation (confirmation of purchases and amounts), seal and name plate (signature) confirmation, and the presence or absence of an accident report and confirmation of tampering. Will be After that, in step S102, the state of abnormality is checked, and if normal, the flow goes to step S103 to check the state of funds. If there is enough funds to pay as a result of this confirmation, payment execution execution registration (S104).

In addition, if there is an abnormality in the received note as a result of checking in step S102, go to step S105 to check whether there is an accident report mortgage, and if there is no collateral, the request for deposit of the accident report mortgage is made in step S106. On the other hand, if there is an accident report collateral, go to step S107 to notify the presenting bank. In addition, even if there is not enough money to pay in step S103, go to step S108 and notify the extension of the presenting bank, check in step S109 whether the payment is possible, if the payment is possible, go to step S104, if payment is impossible, the step S107 Go to the bank to notify the presenting bank. In case of notifying the presenting bank, the bankruptcy bill / confirmation is prepared, faxed to the presenting bank, and the bankruptcy report is registered on the computer. After step S110 checks whether the process is justified, and after the check is made (S111), the process moves to step S112 to perform a receipt exchange processing. Next, in step S113 to check whether or not to create a whistleblowing in the case of making a whistleblowing to go to step S114 to create a whistleblowing, if the payment is made in step S115 to go to step S116 to send the whistleblowing mail.

According to the present invention described above, there is an advantage that can be effectively stored and inquired by the imaging of the report / declaration.

In addition, it is easy to process the user's work by centralizing the work to be processed on a single initial screen, and when changing the organization or role, it is possible to reflect it simply by changing the definition of the person in charge. There is an advantage to simplify.

In addition, effective customer information DB construction and management and business integration management are possible through recognition, and it has the advantage of unifying management of slips, bills, and slips that were managed in individual branches.

In addition, it is possible to reduce the work of the branch office by switching from the manual work method of the branch to the centralized method, and it is also effective to improve the work processing accuracy by improving the work process and applying the centralized work processing method.

In addition, there is an advantage that can reduce the work error due to inexperienced staff work, maximize the work stability through the backup of the image, provide a familiar user environment with the GUI, and can be applied to the system design considering the user's work type.

Claims (7)

In the reception / support system of a financial institution, The documents to be processed for the reception and support are attached to the reception / support back-end center, which will be described later by attaching an aggregate table for each teller's branch office, and the scanned data for specific work-related documents will be sent to the reception / support back-end center and the computer center. A branch office system for transmitting the real document, which has been scanned, to a document management center to be described later and performing an inquiry of an image document in association with the computer center; A document management center for assigning and registering bar codes to real documents transmitted from the branch office system; Store and manage images and index information of the reception / support documents transmitted from the branch office system and the reception / support back center, and distribute the work according to a predetermined business process to transmit the data to the reception / support back center or to perform automatic examination. The computer center which executes the automatic audit process in the case of the automatic check; After receiving and receiving the actual document received from the branch office system, the scanned document is inputted. After the recognition process, the image data is transmitted to the computer center. Receiving / supporting services of financial institutions, including receiving / supporting backline centers that directly execute to customers in case of business to be executed by customers by checking the stored customer information and determining the processing result according to conditions system. The reception / support service of a financial institution according to claim 1, wherein the branch office system additionally processes a task of outputting and generating documents required for a task or receiving and registering the documents from a customer who has completed consultation. system. The method of claim 1, wherein the computer center, An image system for storing and managing an image and index information data of a document related to a reception / support task transmitted from the branch office system; Work in accordance with the business process in conjunction with the branch office system, and distributes the work to the system of the person in charge of the reception / support backline center, and if the automatic audit by executing the built-in automatic audit process to perform the audit automatically A workflow system for inquiring, examining and processing documents stored in an image system; Receiving / supporting business system of a financial institution, comprising an existing system for controlling the inquiry of necessary information in the accounting and information systems by interworking with the branch office system and the receiving / supporting back center, and providing the necessary contents. . The method of claim 1, wherein the receiving / supporting back center is: A receiving / supporting business system of a financial institution, characterized in that to perform a function of distributing and transmitting the corresponding work to the next working person system determined in the work process flow according to the information provided from the workflow system of the computer center. In the method of processing the reception / support work using a reception / support work system composed of a branch office system, a document management center, a computer center and a reception / support back center, The sales office system sends the documents to be processed for the reception and support to the reception / support backline center, which will be described later by attaching an aggregate table for each teller branch, and transmits the scanned data for specific work-related documents to the reception / support backbone center and Transmitting to a computer center, the real document of which the scanning operation is completed, to a document management center to be described later, and performing an inquiry of an image document in association with the computer center; Registering and assigning a barcode to a real document transmitted from the branch office system in the document management center; The computer center stores and manages image and index information of the reception / support document transmitted from the branch office system and the reception / support back center, and distributes the work according to a predetermined business process to the reception / support back center. Performing automatic auditing by performing an automatic auditing process in case of transmission or automatic auditing; The reception / support backline center receives the reception / support service physical document transmitted from the sales office system, scans and inputs the received document, passes the recognition process, and transmits the image data to the computer center, and the image registered in relation to the business. Inquiry data or customer information stored in the existing system to determine the processing result in accordance with the conditions, if the task to be executed to the customer by executing the steps to run directly to the customer characterized in that the processing of the reception / support Receiving / supporting work methods of financial institutions. The reception / support service of a financial institution according to claim 5, wherein the branch office system additionally processes a task of outputting and generating documents required for a task or receiving and registering the documents from a customer who has completed consultation. Way. The method of claim 5, wherein the receiving / supporting back center is: A method for receiving / supporting a financial institution, characterized in that the step of distributing and transmitting the corresponding work to the next working person system determined in the work process flow according to the information provided from the workflow system of the computer center.

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