JPH0511343B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION (Field of Industrial Application) The present invention relates to an automatic transaction processing system that enables automatic transactions on multiple subjects in financial institutions.

(Conventional Technology) In response to recent changes in the social environment such as financial liberalization, financial institutions are promoting rationalization, labor-saving, and enhancement of customer services in pursuit of higher profits. Each of these issues includes thorough rationalization of counter operations and back-office operations, promotion of automation of operations with low profitability, and improvement of service quality (enhancing consultation operations, enrichment of information provision, etc.), but in particular, rationalization is important. In addition to promoting mechanization, which was seen up to the second online stage, the major challenge is not only the introduction of new systems that include processing formats.

Furthermore, automated equipment is now widespread within the offices of financial institutions, and most simple transactions such as savings deposits are performed using automated equipment. It is expected that transactions processed at counters will shift to transactions using automated equipment in the future, but transactions that require complex preprocessing, such as new transactions and cancellation transactions, will still be processed at counters. The reality is that

Competition among financial institutions is becoming more and more intense, and in order to acquire more customers, a major strategy has become how to efficiently and effectively locate branches, which are the bases for sales activities. . Mechanized stores are attracting particular attention as part of this strategy. Mechanized stores are stores that have the minimum number of employees required (ideally completely unmanned) and use automated equipment to process transactions.They are located in areas such as housing complexes and are said to have extremely high investment efficiency.

(Problems to be solved by the invention) The sales strategy of financial institutions is to expand transactions, and for this purpose, it is necessary to increase the number of new customers and the opening of new transactions. On the other hand, mechanized stores are mainly automated transaction machines (ATMs) that process transactions by the customer's own operations, but conventional automated transaction machines cannot handle complex transactions such as new transactions and cancellation transactions due to the following reasons: It was hot.

For new transactions, it is necessary to create a customer information file (address, name, postal code, telephone number, occupation, etc.), and if you try to automate the creation of this file, it is possible to use handwritten kanji recognition technology. When using this technology, recovery processing for unrecognized characters, missing fields, etc. becomes complicated, and there are various problems such as significantly longer transaction data entry time, and the processing level is far beyond the current processing level of counter operators. do not have.

Registration and verification of seals are required for transactions such as new transactions and canceled transactions, but in particular when it comes to automatic verification of seals, the final judgment based on the match rate must be made by an operator, and complete automation is unlikely to be practical. do not have.

There is no established method to automate the physical confirmation of certified checks, etc. at the time of periodic cancellation or check deposit.

For the reasons mentioned above, it is currently necessary to install a counter transaction system for complex processing such as new transactions and cancellation transactions. Over-the-counter transaction systems require significantly higher investment amounts (bank staff costs, investment in mechanization, etc.) than automatic transaction devices, and for this reason, a major challenge was how to make over-the-counter transactions possible with automatic transaction devices.

It is an object of the present invention to solve the above-mentioned problems and provide an automatic transaction processing system that can automatically process a large number of transactions and complex transactions.

(Means for Solving the Problem) In order to solve the problems of the prior art, the automatic transaction processing system of the first invention (a) uses a medium such as a slip in which the customer himself has written transaction data as image data. (b) a transaction preprocessing device equipped with means for reading and data transfer, voice input/output means for conversation, and an image/sound control unit for controlling these; and (b) a store equipped with the transaction preprocessing device. is located at another remote location, and displays multimedia communications such as image data, audio data, etc. on a display as a still image of image data of the medium sent from the transaction preprocessing device via a communication network; ,
A means for converting the transaction data input by the input means into code data in a specific format corresponding to the transaction item described on the medium based on the display contents by the means, and transmitting the data, and a voice input for conversation. (c) a remote processing device including an output means and an image/audio control section for controlling these; It is equipped with means for receiving code data in a specific format corresponding to transaction items that have been received and displaying it on a display, means having processing functions such as cash deposits and withdrawals, bankbook entry, etc., and means for communicating with the host, It is composed of the transaction preprocessing device and an automatic transaction device installed in the same store, and the transaction preprocessing device reads the transaction data written on the medium as image data and transfers the data to the remote processing device. , the remote processing device converts the transaction data input by the operator based on the received image data into code data according to the transaction format, and transfers it to the automatic transaction device, and the automatic transaction device receives the transaction data. After displaying transaction details in a transaction format on a display and completing pre-transaction processing through customer confirmation operations on the automated transaction device, the automated transaction device executes post-transaction processing through communication with a host. be.

Moreover, the automatic transaction processing system of the second invention is
(a) Transactions equipped with a means for reading media such as slips in which the customer writes transaction data as image data and transmitting the data, an audio input/output means for conversation, and an image/audio control unit to control these. and (b) from the transaction pre-processing device via a communication network that is located in a remote location separate from the store where the transaction processing device is installed and is capable of multimedia communication of image data, audio data, etc. means for displaying the sent image data of said medium as a still image on a display; and based on the display contents by said means, transaction data input by an operator through an input means corresponding to the transaction item described on said medium. A remote processing device equipped with a means for converting code data into a specific format and transmitting the data, an audio input/output means for conversation, an image/audio control section for controlling these, and (c) image data, audio data, etc. a means for receiving code data in a specific format corresponding to a transaction item sent from the remote processing device via the communication network capable of multimedia communication, and displaying it on a display; and an automatic transaction device installed in the same store as the transaction pre-processing device, the transaction pre-processing device and the transaction selection device of the customer Then, whether the automatic transaction device handles the transaction independently,
It is determined whether the transaction is to be processed by including the pre-processing device and the remote processing device, and if the transaction is the former transaction, the automatic transaction device executes the transaction processing with the host; In some cases, the automatic transaction device cooperates with the pre-transaction processing device and the remote processing device and communicates with the host to perform transaction processing.

Further, the automatic transaction processing system of the third invention is
(a) A plurality of devices equipped with means for reading media such as slips in which customers have filled out transaction data as image data and transferring the data, audio input/output means for conversation, and an image/audio control unit for controlling these. and (b) display image data of the medium as a still image on a display, which is sent from the transaction preprocessing device via a communication network capable of multimedia communication such as image data and audio data. a means for converting transaction data inputted by an operator using an input means into code data in a specific format corresponding to the transaction item described on the medium based on the display contents of the means, and transmitting the data; and a means for transmitting the data. one or more remote processing devices, which are equipped with a voice input/output means and an image/audio control unit for controlling these, and are located in a remote location different from each store where the transaction preprocessing device is installed; (c) Receive code data in a specific format corresponding to the transaction item sent from the remote processing device via the communication network capable of multimedia communication such as image data and audio data, and display it on the display. means having processing functions such as cash deposits and withdrawals, bankbook entry, etc., and means for communicating with a host, and each transaction preprocessing device and a plurality of automatic transaction devices installed in the same store. The remote processing device is connected to the transaction preprocessing device and the automatic transaction device only during transaction data input processing in a series of automatic transaction processing, and participates in the transaction processing, and is involved in the transaction processing and the host transaction processing. Since the automatic transaction device is in charge of processing, it is possible to remotely control a plurality of the transaction preprocessing devices and a plurality of the automatic transaction devices.

Further, the automatic transaction processing system of the fourth invention includes (a) means for reading a medium such as a slip in which the customer himself/herself has written transaction data as image data and transferring the data, and voice input/output means for conversation; A plurality of transaction preprocessing devices equipped with image/audio control units that control these; and (b) data sent from the transaction preprocessing devices via a communication network capable of multimedia communication such as image data and audio data. means for displaying the image data of the medium as a still image on a display; and based on the display contents by the means, transaction data inputted by an operator using an input means is converted into a specific format corresponding to the transaction item described on the medium. It is equipped with means for converting into code data and transmitting data, voice input/output means for conversation, and an image/audio control section for controlling these, and is installed in a remote location separate from each store where the transaction preprocessing device is installed. one or more remote processing devices located therein, and (c) corresponding to the transaction item sent from the remote processing device via the communication network capable of multimedia communication such as image data, audio data, etc. It is equipped with means for receiving code data in a specific format and displaying it on a display, means having processing functions such as cash deposit/withdrawal and bankbook entry, and means for communicating with a host, and is the same as each of the above-mentioned transaction preprocessing devices. It consists of a plurality of automatic transaction devices installed in a store, and the transaction data input processing by the transaction processing device and the remote processing device and the cash counting by the automatic transaction device are processed in parallel, and each processing After completion, the processing result is displayed on the display of the automatic transaction device, and the automatic transaction device executes host processing by a customer confirmation operation on the automatic transaction device.

(Operation) In the first invention, when a customer wishes to conduct a transaction, the customer writes predetermined transaction data on a medium such as a slip, and the transaction preprocessing device converts the medium on which the transaction data is written into an image data. and transmits it to the remote processing device. The remote processing device displays the received image data on a display to show it to the operator. If necessary, the customer and the operator complete the information by having a conversation using the voice input/output means provided in the pre-transaction processing device and the remote processing device, and the operator sees the display and uses the keyboard, etc. of the remote processing device. Enter transaction data using an input means. Then, the remote processing device converts the input transaction data into code data according to a specific format corresponding to the transaction item, and transfers the data to the automatic transaction device. The automatic transaction device displays the received transaction details in a transaction format on a display to show it to the customer. If the displayed transaction details are correct, the customer performs a confirmation operation on the automatic transaction device. This confirmation operation completes the pre-transaction processing, and then the automated teller machine communicates with the host and executes the post-transaction processing. Therefore, complex transactions can be automatically processed, the types of transactions that can be processed are expanded, and the problems of the prior art described above are solved.

In the second invention, after the customer selects a transaction, the automatic transaction device determines whether the transaction is to be processed alone or in conjunction with a transaction preprocessing device and a remote processing device, and based on the determination result. Processes are executed separately. Therefore, simple transactions such as withdrawals and deposits are processed independently, and new transactions,
Complex transactions such as cancellation transactions are processed collaboratively by the three devices described above, so that processing efficiency and device operation can be made more efficient.

In the third invention, since the pre-transaction processing device and the automatic transaction device are connected to the remote processing device by line only during data input processing, a large number of pre-transaction processing devices and automatic transaction devices can be operated remotely with one remote processing device. Become in control. Therefore, the number of remote processing devices required is small, and system costs can be reduced.

In the fourth invention, transaction data input processing by the transaction pre-processing device and remote processing device and cash counting by the automatic transaction device are processed in parallel, so transaction processing time is shortened and customer service is improved. Ru.

(Example) Examples of the present invention will be described in detail below.

FIG. 1 is a block diagram showing the overall configuration of the automatic transaction processing system of this embodiment. In the same figure, 1
The store is mainly a mechanized store, and a pre-processing device 2 and an automatic transaction device 3 are installed in combination. The automated transaction device 3 connects to the dedicated line 4 directly or via a terminal controller (not shown).
It is connected to the host 5 by. The automatic transaction device 3 performs conventional transactions, such as cash deposits and withdrawals by card, bankbook entry, balance inquiry, etc., with the host 5 without going through the preprocessing device 2. The preprocessing device 2 is connected to an automatic transaction device 3 in the same branch 1 on one side, and a high-speed digital network on the other side.
The ISDN network 6 connects one or more large remote processing devices 8 to the main store 7 via the ISDN network 6.
It is connected to the. Further, one or more remote processing devices 8 in the main store 7 are connected to the host 5 via a dedicated line 9.

Here, the ISDN network 6 is a communication network that allows multimedia communication such as image data and audio data at a transmission speed of 64 kilobits/second, and this embodiment uses this communication network to perform preprocessing at the sales office 1. The device 2 and the remote processing device 8 process image data, audio data, etc., and the customer can easily perform new transactions, cancellation transactions, etc. by simply adding a few operations to the conventional automatic transaction device operation. It enables automatic processing of transactions that could not be performed with automatic transaction devices.

FIG. 2 is a block diagram showing the configuration of the preprocessing device 2 and the automatic transaction device 3.

The preprocessing device 2 includes a still image input unit 2 that reads a medium such as a slip as image data and transfers the data to the display of the remote processing device 8 as a still image.
1. A media inserter/stacker section 22 consisting of a media inserter section for inputting images of media such as slips and a stacker section for importing them after transaction processing;
A video input section 23 that transfers the customer's status as a video to the display of the remote processing device 8, a video display section 24 that displays the operator's status of the remote processing device 8, a microphone/speaker 25 for conversation between the customer and the operator, and ISDN. A network communication function 26 and an image/audio control unit 27 that controls these;
It consists of an ISDN network control unit (NCU) 28.

On the other hand, the automatic transaction device 3 has communication functions 1 and 31 for communicating with the host 5, a display section 32 with a touch panel that forms the center of customer operation, and a card read/write section 33 for reading and writing magnetic cards or IC cards. , cash deposit/withdrawal 34, journal/receipt printer section 35, passbook/certificate printer section 36, passbook/certificate issue section 37, ISDN network communication functions 2, 38, and a control section 3 that controls them.
Consists of 9.

FIG. 3 is a block diagram showing the configuration of the remote processing device 8. As shown in FIG. The remote processing device 8 is broadly divided into an information inquiry terminal 81 and an image/audio processing device 82, and is further provided with an ISDN network control unit (NCU) 83.

The information/inquiry terminal 81 includes a keyboard section 81-1;
Display section 81-2, ISDN network communication function 81
-3, it is composed of a host communication function 81-4 and a control section 81-5 that controls these functions.

On the other hand, the image/audio processing device 82 is the preprocessing device 2
A still image/video display unit 82 receives a slip, etc. as still image data and a customer status as video data from the computer, and displays the still image/video composite screen.
-1. A video input unit 82-2 that transfers the operator's status as a video to the preprocessing device 2; a microphone/speaker 82-3 for conversation between the customer and the operator;
It is composed of an operating section 82-4 for the operator to enlarge and display the stamp part of the slip inserted into the preprocessing device 2 and for remotely controlling other media, and an image/audio control section 82-5 for controlling them. .

Note that the information inquiry terminal 81 and the image/audio processing device 82 are integrated, and two display units 81-
1, 82-1 into one, two control units 81-5,
82-5 can also be combined into a multimedia compatible workstation.

FIG. 4 is a diagram showing the appearance of an integrated preprocessing device 2 and automatic transaction device 3. Note that 10 in the figure
indicates a slip recording table, but since it is not directly related to the present invention, the explanation will be omitted.

Next, the operation of this embodiment having the above configuration will be explained with reference to FIGS. 5 and 6. FIG. 5 is a diagram showing an example of a transaction processing flow according to this embodiment, and FIG. 6 is an image diagram of a transaction according to this embodiment. Here, explanation will be given using a new ordinary deposit transaction as a representative example of a transaction.

At the branch 1, the customer takes out a new transaction slip from the bookkeeping table 10 (Fig. 4) and enters the date, address,
Fill in items such as name, postal code, telephone number, occupation, etc., and affix your seal. Conventionally, a slip for a new transaction is a copy slip for internal processing, but the slip used in this embodiment is combined into one sheet as an application form and a seal stamp slip in order to read the image. For other subjects as well, all slips filled out by customers are consolidated into one sheet so that they can be transferred as a single still image.

Next, the customer views the transaction selection screen displayed on the touch panel display section 32 of the automatic transaction device 3 and presses a button on the touch panel to select a desired transaction. In this example, select New Transaction. Depending on the selected transaction, the automatic transaction device 3 will independently process transactions that can be processed by the automatic transaction device 3 alone, such as withdrawals and deposit transactions.
For complex transactions such as new transactions and cancellation transactions, the control unit 39 determines that pre-processing is necessary, and the communication functions 2 and 3
8 issues a line connection request to the remote processing device 8 of the main store 7 via the ISDN network control device 28. When a line connection request is issued from the automatic transaction device 3, one or more remote processing devices 8 installed in the main store 7 are connected via the ISDN network 6.
A call is made to an idle device.

When a call is made, the preprocessing device 2 + automatic transaction device 3 of the calling branch 1 are connected to the remote processing device 8 by a specific operation by the operator. And the automatic transaction device 3 is
When the line connection status is confirmed, a slip insertion request screen is displayed on the touch panel display section 32.

Following the screen display on the touch panel display section 32, the customer inserts the filled-in new application form into the media inserter stacker section (slip insertion slot) 22 of the preprocessing device 2. When the slip is inserted, the still image input section 21 reads it as still image image data. In this embodiment, a high-definition color video camera is used as the still image input section 21, but it is also possible to use other devices such as a CCD line sensor. When the still image input unit 21 reads the slip, the image/audio control unit 27 compresses the still image data and sends the communication functions 2, 38,
It is transferred to the remote processing unit 8 of the main store 7 via the ISDN network control device 28 and the ISDN network 6. Remote processing section 8
Then, the image/audio control unit 82-5 of the image/audio processing unit 82 decompresses the transferred still image data via the ISDN network control unit 83, and then displays the still image/video display unit using the slip image as a still image. 82-1.

The operator at the main store 7 looks at the slip image displayed on the still image/video display section 82-1 and checks whether there are any omissions or errors in the entered details on the slip, whether the delivery stamp is properly stamped, etc. Check for completeness. If the slip is incomplete, use the operation unit 82-4 to instruct the preprocessing device 2 of the branch 1 to eject the slip, communicate with the customer by voice using the microphone/speaker 25, and remove the slip. Guiding addition/correction of incomplete parts. At this time, communication is also possible using the still image/video display section 82-1 and the video display section 24 from the respective video input sections 82-2 and 23.

Next, the operator at the main store 7 looks at the slip image on the still image/video display section 82-1, first determines the transaction item, and in this example normally displays the new format screen on the information inquiry terminal 81.
display on the display section 81-1, and while continuing to watch the video/still image display section 82-1, enter the address, address, etc. based on the format screen.
Enter your name, phone number, etc., and complete the data entry required for the transaction. The operator also makes an inquiry to the host 5 regarding customer information, etc., depending on the details of the transaction, and uses the results as transaction data. After the transaction is completed, the host registration process for the CIF (customer information file) is also performed.

For seal verification necessary for transaction processing such as cancellation, the stamped portion of the still image is enlarged and displayed by operating the operation section 82-4 of the remote processing device 8, and visually verified against the stamp ledger.

On the other hand, after inserting the slip, the customer inserts cash into the cash deposit/withdrawal section 34 based on the guidance screen of the touch panel display section 32 shown in FIG. The automatic transaction device 3 temporarily holds the cash counting results internally.

Subsequently, a card issuance screen is displayed on the display section 32 with a touch panel, and whether a card is required or not is selected using a button on the touch panel. If a card is required, the customer is asked to enter their desired recitation number.
The card will be mailed at a later date.

In this way, in order to shorten the transaction processing time, the remote processing device 8 creates the transaction data of the slip, and the automatic transaction device 3 performs the cash counting process and the like in parallel. Eventually, each process is completed, and the transaction data is collected in the automatic transaction device 3 and displayed on the touch panel display section 32.

The customer confirms the contents and performs a confirmation operation. If there is proof, the remote processing device 8 intervenes depending on the content, or the automatic transaction device performs correction processing alone.

Thereafter, the automatic transaction device 3 starts data communication with the host 6 via the dedicated line 4, and at the same time, the ISDN network 6 with the remote processing device 8 is disconnected.

In this way, the remote processing device 8 is connected to the ISDN network 6 only during transaction data creation processing time, which is a part of the entire transaction time. Therefore, if there are subsequent connection requests from other devices, the device can participate in the processing. This results in 1
A plurality of automatic transaction devices 3 can be controlled by one remote processing device 8.

When the host processing is completed, the automatic transaction device 3
stores cash in the cash deposit/withdrawal unit 34, prints the name, transaction results, etc. on a new passbook in the passbook/certificate printer unit 36, releases the printed passbook from the passbook/certificate issue unit 37, and the customer and the transaction is completed.

The above has been explained using an example of a new transaction of a regular deposit, but other processes such as canceling a time deposit and depositing a check can be automatically processed from the customer's perspective by the following processing method.

(b) Physical documents such as fixed term certificates and checks are processed by pre-processing device 2.
The image data is then transferred to the remote processing device 8 as color image data.

(b) The full-time operator of the remote processing device 8 temporarily determines the authenticity of the actual item, and if it is determined to be true, the preprocessing device 2 takes in the actual item.

(c) At this time, a medium whose authenticity can be immediately determined by other means such as a certificate with a magnetic stripe,
It is divided into operator temporary judgment based only on image data.

(d) After the transaction data input by the remote processing device 8 is completed, for physical items whose authenticity can be determined, such as certificates with magnetic stripes, cash payments are processed immediately, and in the case of temporary judgment by the operator, the transaction is carried out after the physical items are received. The data is temporarily stored in the pending file of the remote processing device 8. At this time, a message is displayed to the customer as a reception process and that cash processing will be handled the next day.

(e) After the work, the media inserter of the preprocessing device 2
The actual items and slips are collected from the stacker section 22, a final judgment is made by a dedicated operator of the remote processing device 8, transaction data is retrieved from the pending file, and host processing is performed.

(Effects of the Invention) As explained in detail above, according to the present invention, in addition to cash deposits and withdrawals, bankbook entries, and balance inquiries, which can be processed by conventional automatic machines, new transactions, cancellation transactions, check deposits, foreign exchange transactions, etc. Transaction items that could previously only be processed at counters can now be processed automatically at mechanized stores. Therefore, the range of items that can be handled by automatic transaction devices is greatly expanded, the utilization rate of automatic transaction devices in mechanized stores, etc. is improved, and rationalization within business stores is promoted.

Further, in the present invention, by using a display display and an audio input/output means, an operator of a remote processing device and a customer at a store located in a remote location can communicate with each other, even when there is no staff at the store. It is possible to provide a service equivalent to the processing level of a counter operator without reducing the quality of service, and by locating the store where the transaction pre-processing device and automatic transaction device are installed in a remote location separate from the remote processing device, it is unmanned. It is possible to realize a fully integrated store.

Further, although the present invention requires a dedicated operator for the remote processing device, as described above, one operator can control a plurality of automatic transaction devices, which has a great rationalization effect. By having one or more dedicated operators remotely control the input processing of a plurality of automatic transaction devices, it is possible to simplify operations for customers and shorten transaction time even in complex transactions.

[Brief explanation of the drawing]

Fig. 1 is a block diagram of an automatic transaction processing system according to the present invention, Fig. 2 is a block diagram of a preprocessing device and an automatic transaction device, Fig. 3 is a block diagram of a remote processing device, and Fig. 4 is a block diagram of a preprocessing device and an automatic transaction device. FIG. 5 is a diagram showing an example of a transaction processing flow according to an embodiment of the present invention, and FIGS. 6A and 6B are transaction image diagrams according to an embodiment of the present invention. 1...Sales office, 2...Pre-processing device, 3...Automatic transaction device, 5...Host, 6...ISDN network, 7...
...Main store, 8...Remote processing device.

Claims (1)

[Scope of Claims] 1 (a) Means for reading a medium such as a slip in which a customer writes transaction data as image data and transmitting the data, voice input/output means for conversation, and image/image control means for controlling these. (b) a pre-transaction processing device equipped with a voice control section; means for displaying image data of the medium sent from the transaction preprocessing device as a still image on a display; and transaction data inputted by an operator using an input means based on the display content by the means, on the medium. (c ) means for receiving code data in a specific format corresponding to a transaction item sent from the remote processing device via the communication network capable of multimedia communication such as image data, audio data, etc., and displaying the code data on a display; It comprises means having processing functions such as cash deposits and withdrawals, bankbook entry, etc., and means for communicating with a host, and is comprised of an automatic transaction device installed in the same store as the pre-transaction processing device; A processing device reads the transaction data written on the medium as image data,
The data is transferred to the remote processing device, and the remote processing device converts the transaction data input by the operator into code data according to the transaction format based on the received image data, and transfers the code data to the automatic transaction device. The automatic transaction device displays the received transaction details in a transaction format on the display, and after completing the pre-transaction processing by performing a customer confirmation operation on the automatic transaction device, the automatic transaction device performs post-transaction processing by communicating with the host. An automatic transaction processing system characterized by executing processing. 2 (a) Equipped with a means for reading media such as slips in which customers have entered transaction data as image data and transferring the data, an audio input/output means for conversation, and an image/audio control unit to control these. (b) The pre-transaction processing device is located at a remote location separate from the store where the pre-transaction processing device is installed, and is capable of multimedia communication such as image data and audio data. means for displaying the image data of the medium sent from the processing device as a still image on a display; and transaction data entered by the operator using the input means based on the display contents by the means, and transaction items written on the medium. Convert it into code data in a specific format compatible with
(c) A remote processing device equipped with a means for data transfer, an audio input/output means for conversation, and an image/audio control unit to control these; (c) capable of multimedia communication such as image data and audio data; means for receiving code data in a specific format corresponding to the transaction item sent from the remote processing device via the communication network and displaying it on a display; and means having processing functions such as cash deposits and withdrawals and bankbook entry. and a means for communicating with a host, and an automatic transaction device installed in the same store as the transaction preprocessing device, and after the customer selects a transaction in the automatic transaction device,
The automatic transaction device determines whether the transaction is processed by itself or the transaction is processed by including the preprocessing device and the remote processing device, and if the transaction is the former, the automatic transaction device performs a transaction with the host. and in the case of the latter transaction, the automatic transaction device cooperates with the transaction preprocessing device and the remote processing device and communicates with the host to execute the transaction processing. Features an automatic transaction processing system. 3 (a) Equipped with a means for reading media such as slips in which the customer has filled out transaction data as image data and transferring the data, an audio input/output means for conversation, and an image/audio control unit to control these. a plurality of transaction pre-processing devices; (b) image data of the medium sent from the transaction pre-processing devices via a communication network capable of multimedia communication such as image data, audio data, etc., on a display as a still image; a means for displaying; a means for converting transaction data inputted by an operator using an input means into code data in a specific format corresponding to the transaction item described on the medium based on the display contents of the means; and transmitting the data; and a means for transmitting the data. and one or more remote processing devices located at a remote location different from each store where the transaction preprocessing device is installed, and including an audio input/output means for the processing and an image/audio control unit for controlling these. (c) Receive code data in a specific format corresponding to the transaction item sent from the remote processing device via the communication network capable of multimedia communication such as image data, audio data, etc., and display it on the display. a plurality of automatic transaction devices installed in the same store as each of the transaction preprocessing devices; The remote processing device is connected to the transaction preprocessing device and the automatic transaction device by line only during transaction data input processing in a series of automatic transaction processing, and participates in the transaction processing, and performs physical processing and transaction processing. An automatic transaction processing system characterized in that the automatic transaction device is in charge of host processing, thereby making it possible to remotely control a plurality of the transaction preprocessing devices and a plurality of the automatic transaction devices. 4 (a) Equipped with a means for reading media such as slips in which customers have entered transaction data as image data and transferring the data, an audio input/output means for conversation, and an image/audio control unit to control these. a plurality of transaction pre-processing devices; (b) image data of the medium sent from the transaction pre-processing devices via a communication network capable of multimedia communication such as image data, audio data, etc., on a display as a still image; a means for displaying; a means for converting transaction data inputted by an operator using an input means into code data in a specific format corresponding to the transaction item described on the medium based on the display contents of the means; and transmitting the data; and a means for transmitting the data. and one or more remote processing devices located at a remote location different from each store where the transaction preprocessing device is installed, and including an audio input/output means for the processing and an image/audio control unit for controlling these. (c) Receive code data in a specific format corresponding to the transaction item sent from the remote processing device via the communication network capable of multimedia communication such as image data, audio data, etc., and display it on the display. a plurality of automatic transaction devices installed in the same store as each of the transaction preprocessing devices; Transaction data input processing by the transaction pre-processing device and the remote processing device and cash counting by the automatic transaction device are processed in parallel, and after each process is completed, the processing results are sent to the automatic transaction device. An automatic transaction processing system, characterized in that the automatic transaction device is displayed on a display, and the automatic transaction device executes host processing in response to a customer confirmation operation on the automatic transaction device.