WO2012084020A1 - A remote banking system and method thereof - Google Patents
A remote banking system and method thereof Download PDFInfo
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- WO2012084020A1 WO2012084020A1 PCT/EP2010/070400 EP2010070400W WO2012084020A1 WO 2012084020 A1 WO2012084020 A1 WO 2012084020A1 EP 2010070400 W EP2010070400 W EP 2010070400W WO 2012084020 A1 WO2012084020 A1 WO 2012084020A1
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- Prior art keywords
- remote
- terminal
- banking system
- remote terminal
- personnel
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M3/00—Automatic or semi-automatic exchanges
- H04M3/42—Systems providing special services or facilities to subscribers
- H04M3/50—Centralised arrangements for answering calls; Centralised arrangements for recording messages for absent or busy subscribers ; Centralised arrangements for recording messages
- H04M3/51—Centralised call answering arrangements requiring operator intervention, e.g. call or contact centers for telemarketing
- H04M3/5125—Centralised call answering arrangements requiring operator intervention, e.g. call or contact centers for telemarketing with remote located operators
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M3/00—Automatic or semi-automatic exchanges
- H04M3/42—Systems providing special services or facilities to subscribers
- H04M3/50—Centralised arrangements for answering calls; Centralised arrangements for recording messages for absent or busy subscribers ; Centralised arrangements for recording messages
- H04M3/51—Centralised call answering arrangements requiring operator intervention, e.g. call or contact centers for telemarketing
- H04M3/523—Centralised call answering arrangements requiring operator intervention, e.g. call or contact centers for telemarketing with call distribution or queueing
Definitions
- Present invention is related to a remote banking system and method in which the system comprises a remote banking terminal.
- remote bank terminal which enables remote service of a bank employee to a customer, which is residing at a far away location from the bank employee, using audio/visual communication.
- the remote bank terminals are almost capable of all transaction, those used to be performed by bank cashiers using usual safes and computers. This enables to use remote terminals as "emergency bank cashiers", wherein a customer may be served remotely in case.
- the system of present invention comprises a central means which identifies workload of bank branches and idle personnel and establishes connections between the remote terminals and personnel terminals of idle personnel. In this manner, central means optimizes the utilization of labour and workload of branches and minimizes the serving time of branches.
- the method of present invention defines the optimization of the workload within the system of present invention.
- a remote banking system which comprises at least one remote terminal (4) that is capable of performing bank transactions and a personnel terminal (1 ) which is located in at least a bank branch and is used to connect to a remote terminal (4) to perform transactions remotely, characterized in that it further comprises a central means (2) which identifies work load and customer rate of bank branch, identifies an idle employee by getting information from the bank branch and establishes a remote connection between a personnel terminal (1 ) and a remote terminal (4)" and "a remote banking method for a remote banking system comprising at least a personnel terminal (1 ) and at least a remote terminal (4), characterized in that it comprises the steps of; identification of an overloaded bank branch (5); identification of an employee in an another bank branch and is not busy (6); establishing a connection between a personnel terminal (1 ) of the identified employee and a remote terminal (4) in the overloaded bank branch (7); calling for a customer to perform a transaction using the remote terminal (8) and performing
- the object of the present invention is to develop a remote banking system and method.
- Another object of the present invention is to develop a remote banking system and method, which enables management of connection of units comprised by the system.
- Another object of the present invention is to develop a remote banking system and method, which determines workload of bank branches and bank employees.
- Another object of the present invention is to develop a remote banking system and method, which optimizes the workload of bank branches and bank employees. Another object of the present invention is to develop a remote banking system and method, which maximizes the efficiency of a labor of a bank.
- Another object of the present invention is to develop a remote banking system and method, which minimizes the serving time of a bank to a customer.
- Figure 1 shows an embodiment of the remote banking system.
- Figure 2 shows a flow diagram of a remote banking system operation.
- Figure 3 shows a block diagram of a personnel terminal
- Figure 4 shows a front view of a remote terminal
- the banking system comprises at least a personnel terminal (1 ) which is used to make bank transactions and at least a remote terminal (4) which is used to perform a transaction by a remotely connection between a personnel terminal (1 ).
- the personnel terminal (1 ) is a terminal that is connected to a banking system and is capable of performing bank transactions and connecting a remote terminal (4) to perform banking transactions remotely via said remote terminal (4).
- the remote terminal (4) is a device that is used to handle transactions and serve a customer by the control of an employee that is connected to remote terminal (4) via a personnel terminal (1 ).
- the system may comprise at least a central means (3) which is connected to personnel terminals (1 ) and remote terminals (4) of all bank branches.
- Central means (3) identifies work load and customer rate of bank branches, identifies idle employee by getting information and establishes a remote connection between a personnel terminal (1 ) located in a bank branch and a remote terminal (4) located in any bank branch.
- Managing said connection by central means (3) enable extra labor in an under-loaded bank branch to be employed to handle transactions that is to be performed via a remote terminal (4) in an overloaded bank branch, wherein local employee is not adequate to serve customers in time.
- the system may further comprise at least a queuing device (2) that is connected to central means (3).
- the queuing devices (2) in the prior art are employed to direct customers to bank personnel in order to manage the queue in accordance with their priority and type of transaction.
- the system in the present invention utilizes queuing devices (2) to identify the workload of a bank branch. In this manner, central means (3) is able to obtain workload of several bank offices and optimizes utilization of personnel to appropriate remote terminals (4).
- the personnel terminal (1 ) is preferably a computer or a thin client that can be both used for local transactions and is capable of remotely connecting a remote terminal (4).
- An exemplary diagram of a personnel terminal (1 ) is given in figure 3.
- the personnel terminal (1 ) may comprise at least a camera (19), at least a microphone (17) and an audio output device (18) (i.e. speaker, headphone or earphone).
- the personnel terminal (1 ) may comprise a videophone (not shown on figures) in order to handle audio/visual communication.
- the terminal may also comprise input devices such as a keyboard (16) and a pointing device (15) (i.e. mouse).
- the terminal (1 ) may also comprise a monitor (13) as an output device. All components of the terminal (1 ) are connected to a control unit (14) (i.e. main hardware of a computer in comprising a CPU, RAM, ROM, Hard-drive etc.), wherein the control unit (14) is connected to a communication network to connect to banking systems.
- a control unit (14) i.e. main hardware of a computer in comprising a CPU, RAM, ROM, Hard-drive etc.
- the remote terminal (4) is a device, capable of receiving a remote connection and performing bank transactions.
- An exemplary front view of a remote terminal (4) is given in figure 4.
- remote terminal (4) comprises at least one cash slot (27) that is capable of ejecting and/or receiving cash.
- the cash slot (27) may be capable of working with either paper money or coin.
- the remote terminal (4) preferably comprises at least a cash identification unit (not shown in figures) and/or at least a cash safe (not shown in figures).
- the remote terminal (4) may comprise at least a screen (26), a camera (26), a microphone (not shown on figure) and/or an audio output device (i.e. a speaker, a headphone, a earphone) (not shown in figures).
- the remote terminal (4) may comprise at least a videophone (not shown on figures), which comprises a screen (26), a camera (26), a microphone and an audio output device.
- the remote terminal (4) comprises at least a printer (28) and/or a scanner (24) so that it is possible to print out a document such as a bank receipt and/or acquire a digital copy of a printed document.
- a document such as a bank receipt and/or acquire a digital copy of a printed document.
- an identity card of a customer can be scanned and recognized by the remote terminal (4) using the scanner (24) and the digital copy determined by scanner (24) can be used by the bank.
- the remote terminal (4) may comprise a graphic input device (23) such as a "smart-pen", which can be used to digitize a handwriting. Using a "smart-pen", sign of a customer can be determined while using a remote terminal (4).
- a graphic input device (23) such as a "smart-pen”
- sign of a customer can be determined while using a remote terminal (4).
- the remote terminal (4) may comprise several input and security interfaces known from Automatic Teller Machines (ATMs) such as smart card reader (20), a credit card reader (21 ) and/or a keypad (22).
- ATMs Automatic Teller Machines
- the interfaces can be used for transactions done by the remote terminal (4).
- the present invention further comprises a remote banking method of which a flow chart is given in figure 2.
- a remote banking method of which a flow chart is given in figure 2.
- an overloaded bank branch which cannot serve customers in time due to lack of labor is identified (5).
- an employee that is not busy serving a customer in any branch is identified (6) and personnel terminal (1 ) present in the branch of the employee.
- a connection is established (7) between the personnel terminal (1 ) of the identified employee and a remote terminal (4) in the overloaded bank branch.
- a customer (8) is preferably called for to perform the transaction using the remote terminal (4).
- the transaction is performed (9) by the employee that is connected to remote terminal (4) by communicating the customer in another bank branch using audio and/or visual devices on personnel terminal (1 ) and remote terminal (4).
- the workload of the branch which comprises the remote terminal (4) is preferably checked (10). If the overload is eliminated, the personnel terminal (1 ) is disconnected (12) from the remote terminal (4). If the overload is not eliminated, remote terminal (4) continues to operate. However, the employee that is employed to operate remote terminal (4) may need to perform transactions in the branch the employee is located. For this reason, it is preferably checked whether the employee is still idle (1 1 ) and can handle a further transaction remotely. If the employee is still idle so that he/she can perform another transaction via remote terminal (4), another customer is called for (8) to the remote terminal (4) to perform a transaction.
- the employee that is directed to use a remote terminal (4) can be any employee that has a personnel terminal (1 ). In this way, not only bank cashiers but, other employees such as bank center employees and call center personnel may also be employed to use a remote terminal (4) to perform a transaction. Furthermore, a remote terminal (4) and a personnel terminal (1 ) may be located in the same bank branch. In this manner, the utilization of remote terminal (4) can be extended in order for instance to perform transactions of disabled people without any location constraint or secure personnel by determining a separation between a personnel office and pay-desks.
- the bank branch “A” has 10 employees, all serving as bank cashiers, and 10 remote terminals (4).
- the bank branch “B” has 40 employees and 2 remote terminals (4).
- the bank branch “C” has 20 employees and 15 remote terminals (4).
- branch “B” has 75% extra labor that is idle.
- branch “B” is under-loaded for the time being.
- 10 employees of branch “B” are connected to remote terminals (4) of branch “A”.
- the workload of branch “A” is decreased to 125%.
- the workload of branch "C” is decreased to approximately 125%.
- branch "B” has 8 employees serving locally. The workload of branch “B” is increased to 125% and in the end, the serving efficiency maximized and workload is equally distributed between bank branches.
- management of remote terminals (4) is determined ensuring the optimization of usage of labor of bank branch. This optimization minimizes the serving time of a bank and distributes the workload of bank independent of time and place.
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Abstract
Present invention comprises remote banking system and method of remote banking systems, which optimizes the utilization of remote terminals (4) and personnel terminals (1) by using workload and/or customer rate information of bank branches in which remote terminals (4) and personnel terminals (1) are located. For this purpose, the system of the present invention comprises a central means (3) which gathers the workload information of bank branches; identifies idle personnel in bank branches and establishes connections between personnel terminals (1) of idle personnel and remote terminals (4) in order to optimize and equally distribute workload of branches. In this manner, the serving time of bank branches is minimized and efficient usage of labour is determined.
Description
DESCRIPTION
A REMOTE BANKING SYSTEM AND METHOD THEREOF Technical Field
Present invention is related to a remote banking system and method in which the system comprises a remote banking terminal. Prior Art
With the help of technological improvements in digital systems and communication technologies, effective audio/visual communication and secure communication have become a widely available opportunity.
With the help of communication technologies, the concept of "remote bank terminal" is developed, which enables remote service of a bank employee to a customer, which is residing at a far away location from the bank employee, using audio/visual communication.
The remote bank terminals are almost capable of all transaction, those used to be performed by bank cashiers using usual safes and computers. This enables to use remote terminals as "emergency bank cashiers", wherein a customer may be served remotely in case.
However, the problem of the management of remote terminals in terms of assigning an employee has arisen. Employing extra personnel in case of use of remote terminals means extra labor for banks; hence this case is not desirable. In the prior art document WO2010056215A1 , a system and method is described in which, a remote terminal recognize presence of a customer and connects to a call center to perform bank transactions. This system and method enables use of labor in the call center also for remote terminals. However, as interactive banking is also a popular system, call center personnel may as well be occupied and overloaded. In this case, it is not desirable that the workload of remote terminals is added to workload of ordinary call center.
In the magazine ABA banking journal which is published on August 2010, a method is described in which, customer uses a remote terminal, chooses a specific bank employee to handle his transactions and the employee is connected to remote terminal. Said method determines the advantage of working with a specific employee for a user. However, the workload of employees in this scenario is unpredictable; hence the method is not reliable in terms of efficiency.
Brief Description of the Invention
Remote banking system and method of remote banking system are comprised within present invention. The system of present invention comprises a central means which identifies workload of bank branches and idle personnel and establishes connections between the remote terminals and personnel terminals of idle personnel. In this manner, central means optimizes the utilization of labour and workload of branches and minimizes the serving time of branches. The method of present invention defines the optimization of the workload within the system of present invention.
In accordance with description, the scope of the present invention is described as; "a remote banking system which comprises at least one remote terminal (4) that is capable of performing bank transactions and a personnel terminal (1 ) which is located in at least a bank branch and is used to connect to a remote terminal (4) to perform transactions remotely, characterized in that it further comprises a central means (2) which identifies work load and customer rate of bank branch, identifies an idle employee by getting information from the bank branch and establishes a remote connection between a personnel terminal (1 ) and a remote terminal (4)" and "a remote banking method for a remote banking system comprising at least a personnel terminal (1 ) and at least a remote terminal (4), characterized in that it comprises the steps of; identification of an overloaded bank branch (5); identification of an employee in an another bank branch and is not busy (6); establishing a connection between a personnel terminal (1 ) of the identified employee and a remote terminal (4) in the overloaded bank branch (7); calling for a customer to perform a transaction using the remote terminal (8) and performing a transaction (9) by the employee that is connected to remote terminal (4) by communicating the customer in another bank branch using audio and/or visual devices on personnel terminal (1 ) and remote terminal (4).
Object of the Invention
The object of the present invention is to develop a remote banking system and method.
Another object of the present invention is to develop a remote banking system and method, which enables management of connection of units comprised by the system.
Another object of the present invention is to develop a remote banking system and method, which determines workload of bank branches and bank employees.
Another object of the present invention is to develop a remote banking system and method, which optimizes the workload of bank branches and bank employees. Another object of the present invention is to develop a remote banking system and method, which maximizes the efficiency of a labor of a bank.
Another object of the present invention is to develop a remote banking system and method, which minimizes the serving time of a bank to a customer.
Brief Description of the Drawings
Figure 1 shows an embodiment of the remote banking system.
Figure 2 shows a flow diagram of a remote banking system operation.
Figure 3 shows a block diagram of a personnel terminal
Figure 4 shows a front view of a remote terminal
The reference numbers as used in figures may possess the following meanings;
Personnel terminal (1 )
Queuing device (2)
Central means (3)
Remote terminal (4)
Identifying an overloaded branch (5)
Identifying an idle personnel (6)
Establishing connection (7)
Calling for customer (8)
Making transaction (9)
Checking overload (10)
Checking personnel load (1 1 )
Disconnecting terminal (12)
Monitor (13)
Computer (14)
Pointing device (15)
Keyboard (16)
Microphone (17)
Speaker (18)
Camera (19, 25)
Smartcard reader (20)
Credit card reader (21 )
Keypad (22)
Smart pen (23)
Scanner (24)
Screen (26)
Cash Slot (27)
Printer (28)
Detailed Description of the Invention Present invention describes a remote banking system in which bank employee can serve a customer to make a transaction using a personnel terminal (1 ) and a remote terminal (4).
An exemplary block diagram of a banking system developed by the present invention is given in figure 1. The banking system comprises at least a personnel terminal (1 ) which is used to make bank transactions and at least a remote terminal (4) which is used to perform a transaction by a remotely connection between a personnel terminal (1 ).
The personnel terminal (1 ) is a terminal that is connected to a banking system and is capable of performing bank transactions and connecting a remote terminal (4) to perform banking transactions remotely via said remote terminal (4).
The remote terminal (4) is a device that is used to handle transactions and serve a customer by the control of an employee that is connected to remote terminal (4) via a personnel terminal (1 ).
The system may comprise at least a central means (3) which is connected to personnel terminals (1 ) and remote terminals (4) of all bank branches. Central means (3) identifies work load and customer rate of bank branches, identifies idle employee by getting information and establishes a remote connection between a personnel terminal (1 ) located in a bank branch and a remote terminal (4) located in any bank branch. Managing said connection by central means (3) enable extra labor in an under-loaded bank branch to be employed to handle transactions that is to be performed via a remote terminal (4) in an overloaded bank branch, wherein local employee is not adequate to serve customers in time.
The system may further comprise at least a queuing device (2) that is connected to central means (3). The queuing devices (2) in the prior art are employed to direct customers to bank personnel in order to manage the queue in accordance with their priority and type of transaction. The system in the present invention utilizes queuing devices (2) to identify the workload of a bank branch. In this manner, central means (3) is able to obtain workload of several bank offices and optimizes utilization of personnel to appropriate remote terminals (4).
An embodiment of a personnel terminal is given in figure 3. The personnel terminal (1 ) is preferably a computer or a thin client that can be both used for local transactions and is capable of remotely connecting a remote terminal (4). An exemplary diagram of a personnel terminal (1 ) is given in figure 3. For audio/visual communication to the remote terminal (4), the personnel terminal (1 ) may comprise at least a camera (19), at least a microphone (17) and an audio output device (18) (i.e. speaker, headphone or earphone). Preferably, the personnel terminal (1 ) may comprise a videophone (not shown on figures) in order to handle audio/visual communication. For the employee to use the terminal (1 ), the terminal may also comprise input devices such as a keyboard (16) and a pointing device (15) (i.e. mouse). The terminal (1 ) may also comprise a monitor (13) as an output device. All components of the terminal (1 ) are connected to a control unit (14) (i.e. main
hardware of a computer in comprising a CPU, RAM, ROM, Hard-drive etc.), wherein the control unit (14) is connected to a communication network to connect to banking systems.
The remote terminal (4) is a device, capable of receiving a remote connection and performing bank transactions. An exemplary front view of a remote terminal (4) is given in figure 4. Preferably, remote terminal (4) comprises at least one cash slot (27) that is capable of ejecting and/or receiving cash. The cash slot (27) may be capable of working with either paper money or coin. The remote terminal (4) preferably comprises at least a cash identification unit (not shown in figures) and/or at least a cash safe (not shown in figures). For audio/visual communication, the remote terminal (4) may comprise at least a screen (26), a camera (26), a microphone (not shown on figure) and/or an audio output device (i.e. a speaker, a headphone, a earphone) (not shown in figures). The remote terminal (4) may comprise at least a videophone (not shown on figures), which comprises a screen (26), a camera (26), a microphone and an audio output device.
Preferably, the remote terminal (4) comprises at least a printer (28) and/or a scanner (24) so that it is possible to print out a document such as a bank receipt and/or acquire a digital copy of a printed document. For instance, an identity card of a customer can be scanned and recognized by the remote terminal (4) using the scanner (24) and the digital copy determined by scanner (24) can be used by the bank.
In a further embodiment of the present invention, the remote terminal (4) may comprise a graphic input device (23) such as a "smart-pen", which can be used to digitize a handwriting. Using a "smart-pen", sign of a customer can be determined while using a remote terminal (4).
The remote terminal (4) may comprise several input and security interfaces known from Automatic Teller Machines (ATMs) such as smart card reader (20), a credit card reader (21 ) and/or a keypad (22). The interfaces can be used for transactions done by the remote terminal (4).
The present invention further comprises a remote banking method of which a flow chart is given in figure 2. Within the remote banking system described with the present invention, an overloaded bank branch, which cannot serve customers in time due to lack of labor is identified (5). Then, an employee that is not busy serving a customer in any branch is
identified (6) and personnel terminal (1 ) present in the branch of the employee. As the employee is identified, a connection is established (7) between the personnel terminal (1 ) of the identified employee and a remote terminal (4) in the overloaded bank branch. A customer (8) is preferably called for to perform the transaction using the remote terminal (4). The transaction is performed (9) by the employee that is connected to remote terminal (4) by communicating the customer in another bank branch using audio and/or visual devices on personnel terminal (1 ) and remote terminal (4). As the transaction is performed (9), the workload of the branch which comprises the remote terminal (4) is preferably checked (10). If the overload is eliminated, the personnel terminal (1 ) is disconnected (12) from the remote terminal (4). If the overload is not eliminated, remote terminal (4) continues to operate. However, the employee that is employed to operate remote terminal (4) may need to perform transactions in the branch the employee is located. For this reason, it is preferably checked whether the employee is still idle (1 1 ) and can handle a further transaction remotely. If the employee is still idle so that he/she can perform another transaction via remote terminal (4), another customer is called for (8) to the remote terminal (4) to perform a transaction. If the employee is not idle anymore, another employee that is idle at the time is identified (6) and the newly identified employee is connected to remote terminal (4) to perform transaction. Using the method described above, all remote terminals (4) and available employees are continuously matched and connected so the labor is used effectively all the time and the time to serve to a customer is minimized.
The employee that is directed to use a remote terminal (4) can be any employee that has a personnel terminal (1 ). In this way, not only bank cashiers but, other employees such as bank center employees and call center personnel may also be employed to use a remote terminal (4) to perform a transaction. Furthermore, a remote terminal (4) and a personnel terminal (1 ) may be located in the same bank branch. In this manner, the utilization of remote terminal (4) can be extended in order for instance to perform transactions of disabled people without any location constraint or secure personnel by determining a separation between a personnel office and pay-desks.
A further exemplary scenario can be described within the method described above. The bank branch "A" has 10 employees, all serving as bank cashiers, and 10 remote terminals
(4). The bank branch "B" has 40 employees and 2 remote terminals (4). The bank branch "C" has 20 employees and 15 remote terminals (4).
For a time being, all the bank cashiers in branches "A", "B" and "C" are busy and the branch "A" has 25 customers waiting in the queue; the branch "B" has 10 customers waiting in the queue; on the other hand, branch "C" has 40 customers waiting in the queue.
For stated situation, while the workload of branch "A" is about 250 %, workload of branch "C" is 200%. On the other hand, the branch "B" has 75% extra labor that is idle. Conclusively it is obvious that while the branches "A" and "C" are overloaded, branch "B" is under-loaded for the time being. Within the system and method of present invention, 10 employees of branch "B" are connected to remote terminals (4) of branch "A". Hence the workload of branch "A" is decreased to 125%. If 12 other employees of branch "B" are connected to remote terminals (4) of branch "C", the workload of branch "C" is decreased to approximately 125%. Employing 32 employees for remote terminals (4), branch "B" has 8 employees serving locally. The workload of branch "B" is increased to 125% and in the end, the serving efficiency maximized and workload is equally distributed between bank branches.
Within the system and method of the present invention, management of remote terminals (4) is determined ensuring the optimization of usage of labor of bank branch. This optimization minimizes the serving time of a bank and distributes the workload of bank independent of time and place.
Claims
1. A remote banking system which comprises at least one remote terminal (4) that is capable of performing bank transactions and a personnel terminal (1 ) which is located in at least a bank branch and is used to connect to a remote terminal (4) to perform transactions remotely, characterized in that it further comprises a central means (3) which identifies work load and customer rate of bank branch, identifies an idle employee by getting information from the bank branch and establishes a remote connection between a personnel terminal (1 ) and a remote terminal (4).
2. A remote banking system according to claim 1 characterized in that it further comprises at least a queuing device (2) that is connected to central means (3) and identifies the workload of a bank branch.
3. A remote banking system according to claim 1 characterized in that personnel terminal (1 ) comprises at least one camera (19).
4. A remote banking system according to claim 1 characterized in that personnel terminal (1 ) comprises at least one microphone (17).
5. A remote banking system according to claim 1 characterized in that personnel terminal (1 ) comprises at least one audio output device (18).
6. A remote banking system according to claim 1 characterized in that personnel terminal (1 ) comprises a videophone.
7. A remote banking system according to claim 1 characterized in that remote terminal (4) comprises at least one cash slot (27) that is capable of ejecting and/or receiving cash.
8. A remote banking system according to claim 6 characterized in that remote terminal (4) comprises at least one cash slot (27) that is capable of working with paper money.
9. A remote banking system according to claim 6 characterized in that remote terminal (4) comprises at least one cash slot (27) that is capable of working with coin.
10. A remote banking system according to claim 1 characterized in that remote terminal (4) comprises at least one cash identification unit.
11. A remote banking system according to claim 1 characterized in that remote terminal (4) comprises at least one cash safe.
12. A remote banking system according to claim 1 characterized in that remote terminal (4) comprises a camera (26).
13. A remote banking system according to claim 1 characterized in that remote terminal (4) comprises a microphone.
14. A remote banking system according to claim 1 characterized in that remote terminal (4) comprises an audio output device.
15. A remote banking system according to claim 1 characterized in that remote terminal (4) comprises a videophone.
16. A remote banking system according to claim 1 characterized in that remote terminal (4) comprises at least a printer (28).
17. A remote banking system according to claim 1 characterized in that remote terminal (4) comprises a scanner (24).
18. A remote banking system according to claim 1 characterized in that remote terminal (4) comprises a graphic input device (23)
19. A remote banking system according to claim 1 characterized in that said graphic input device (23) is a smart pen which is used to digitize a hand-writing.
20. A remote banking system according to claim 1 characterized in that remote terminal (4) comprises a smart card reader (20).
21. A remote banking system according to claim 1 characterized in that remote terminal (4) comprises a credit card reader (21 ).
22. A remote banking system according to claim 1 characterized in that remote terminal (4) comprises a keypad (22).
23. A remote banking method for a remote banking system, which comprises at least one remote terminal (4) that is capable of performing bank transactions and a personnel terminal (1 ) which is located in at least a bank branch and is used to connect to a remote terminal (4) to perform transactions remotely, characterized in that the method comprises the steps of;
- identification (5) of an overloaded bank branch;
- identification (6) of an idle employee in any bank branch;
- establishing a connection (7) between a personnel terminal (1 ) of the identified employee and a remote terminal (4) in the overloaded bank branch and
- performing a transaction (9) by the employee that is connected to remote terminal (4) by communicating the customer in any bank branch using audio and/or visual devices on personnel terminal (1 ) and remote terminal (4).
24. A remote banking method according to claim 23 characterized in that the method further comprises the steps of;
- checking workload (10) of the branch which comprises the remote terminal (4);
- disconnecting (12) the personnel terminal (1 ) from the remote terminal (4) if an overload is eliminated;
- if the overload is not eliminated, checking whether the identified employee is still idle to handle a further transaction remotely (1 1 );
- performing another transaction if the employee is idle (9);
- if the employee is no idle, identifying another employee that is idle at the time (6) and
- connecting identified second employee to remote terminal (4).
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/EP2010/070400 WO2012084020A1 (en) | 2010-12-21 | 2010-12-21 | A remote banking system and method thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/EP2010/070400 WO2012084020A1 (en) | 2010-12-21 | 2010-12-21 | A remote banking system and method thereof |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| WO2012084020A1 true WO2012084020A1 (en) | 2012-06-28 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| PCT/EP2010/070400 WO2012084020A1 (en) | 2010-12-21 | 2010-12-21 | A remote banking system and method thereof |
Country Status (1)
| Country | Link |
|---|---|
| WO (1) | WO2012084020A1 (en) |
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| WO2014092664A1 (en) * | 2012-12-13 | 2014-06-19 | Kuveyt Türk Katilim Bankasi Anoni̇m Şi̇rketi̇ | Remote access bank branch transaction center and transaction system |
| US9846906B1 (en) | 2013-02-28 | 2017-12-19 | Jpmorgan Chase Bank, N.A. | Digital bank branch |
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| WO2010056215A1 (en) | 2008-11-12 | 2010-05-20 | Fintek Finansal Teknoloji Hizmetleri Anonim Sirketi | An apparatus that makes banking transactions by video conferencing and a method thereof |
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| US5774663A (en) * | 1995-09-05 | 1998-06-30 | Huntington Bancshares, Inc. | Personal banker customer management system providing interactive video communication in real time concerning banking information |
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| US9846906B1 (en) | 2013-02-28 | 2017-12-19 | Jpmorgan Chase Bank, N.A. | Digital bank branch |
| US10657589B2 (en) | 2013-02-28 | 2020-05-19 | Jpmorgan Chase Bank, N.A. | Digital bank branch |
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