CN1635504A - Real-time capital transfer system and method - Google Patents
Real-time capital transfer system and method Download PDFInfo
- Publication number
- CN1635504A CN1635504A CN 200310116035 CN200310116035A CN1635504A CN 1635504 A CN1635504 A CN 1635504A CN 200310116035 CN200310116035 CN 200310116035 CN 200310116035 A CN200310116035 A CN 200310116035A CN 1635504 A CN1635504 A CN 1635504A
- Authority
- CN
- China
- Prior art keywords
- fund
- real time
- information
- funds transfer
- transfers
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
This invention discloses a fund real time transfer system, which comprises the following: issuing bank terminal to receive the user input fund transfer requires and relative information; fund transfer real time process device to real time the custom funds according to the said fund transfer requires; one receiving bank terminal to receive and output result information and the balance information from the process device. This invention also provides a transfer method.
Description
Technical field
The present invention relates to the funds transaction of bank, particularly a kind of system and method for realizing that fund transfers in real time between the bank account.
Background technology
Financial sector is handled funds transfer and the clearing operation between the customer account, is called the connection industry traditionally and is engaged in.Manual connection row before the connection industry is engaged in having experienced the middle and later periods nineties 20th century and later electronics connection two stages of row.Late 1990s, along with the quickening of bank electronic process, the popularizing of application system, each the tame commercial bank and the central bank develop and have moved EIS system one after another.
According to prior art, EIS system is normally simply with manual step electronization, what carry out is to handling receipts this business day, paying the bill that it is poor to roll, then the net amount fund is finished the method for back clearance on this business day, there is following problem in this method: payment and settlement fund information is asynchronous with clearance, bring hidden danger for the safety of bank capital, may cause the monolateral problem of falling account; The client handles the cross-bank transfer of financial resources, what take is the treating method of secondary typing, transmission, the scope of clearance is subjected to the restriction of systems connection degree, make some bank have to the urgent remittance of client and large remittance adopted and to account the fund of small amount was then carried out the methods such as arriving account in 24 hours of remitting and transferring in batches in 2 hours, cause work efficiency low; The authentication server that bank adopted carries out the automatic earth's core to the important financial key element in the bank capital business to be given as security, separates to give as security and handle, and security performance is poor; System's day, whole professional batch processing meeting caused the interruption of customer self-service services channels; Handling that electronics connection industry is engaged in will be subjected to unified time control, and under inconsistent situation of the business hours of each branch offices, unified time control causes great inconvenience can for client's transacting business.
Summary of the invention
For solving the above-mentioned problems in the prior art, the invention provides a kind of fund and transfer system in real time, comprise the capable terminal of transmitting messages, be used to receive the funds transfer request and the relevant information of client's input; And the real-time treating apparatus of funds transfer, be used for clients fund being transferred processing in real time according to described funds transfer request and relevant information from described capable terminal (101) reception of transmitting messages.
According to the present invention, the real-time treating apparatus of described funds transfer comprises a database, is used to leave concentratedly all clients' of a banking system accounts information.
According to the present invention, also provide a kind of fund to transfer method in real time, comprise the steps: to receive the funds transfer request and the authentication information of client's input; Carry out fund and transfer processing in real time.
Utilization transfers system and method in real time according to fund of the present invention, can realize the integrated and robotization of business processing, accounting, fund clearing, simplify home currency and foreign currency banking procedure where deposits and withdrawals are processed at any branch bank fund clearing operation flow, in affairs, finish and stride institution business, simplify the backstage transaction processing, stop the monolateral account phenomenon of falling, and provide 24 hours every days uninterrupted service.
Utilization transfers system and method in real time according to fund of the present invention, can in the banking system between different institutions fund clear in real time, allow a plurality of mechanisms that the Multiple Currencies over-borrowing complicated accounting processings of borrowing are arranged in a business more; Message handling system in the system that optimizes is supported to comprise directly into multiple modes that keeps accounts such as account, pending accounts, manual intervention accounts, and the automatic prompting, printing of message information is provided, extracts treatment steps such as message information, verification automatically; In banking system, each mechanism possesses relationship between superior and subordinate clearly on account, can set up perfect fund clearing pattern, finishes the correct processing of interbank accounting, fund clearing; Realize that in banking system Electronic Finance data physics and full row in logic are concentrated greatly.
Description of drawings
Fig. 1 is the synoptic diagram that fund of the present invention transfers system in real time;
Fig. 2 is the process flow diagram that fund of the present invention transfers method in real time;
Fig. 3 is the process flow diagram that transfers treatment step according to the fund of the present invention fund in the method for transferring in real time in real time; And
Fig. 4 illustrates the fund that transfers method in real time according to fund of the present invention and transfers in the treatment step fund particular flow sheet of clearance in real time in real time.
Embodiment
According to the present invention, provide a kind of fund of utilizing computer network that data-base content is made amendment and realizing handling in real time funds transfer between the customer account to transfer system and method in real time, wherein each account is effectively opened according to the relevant laws rules and regulations by unit or individual respectively.The request of transmission fund is sent according to the wish of oneself so that transferring of fund authorized by the client; Corresponding Currency Type can be client's a local currency, also can be the non-originating currency of appointment; The channel that transmits can be the electronic media by the customer self-service operation that bank's place of business sales counter or bank provide.Bank examines validity, compliance, the accuracy of client authorization according to client's written or electronic authorization, handles fund and transfers automatically in real time according to payee, the amount of money, the purposes of appointment.
Need to prove, when the client uses the foreign currency account to handle remittance, the currency of remitting the payee is different with opening an account currency, bank will carry out foreign exchange trading according to relevant list price automatically by system, be converted into relevant foreign currency and remit money, demonstrate fully the feature that transfers clearance between the account of the present invention in real time automatically to the payee.
Fig. 1 is the synoptic diagram that transfers system 100 according to fund of the present invention in real time.As shown in Figure 1, transfer system 100 in real time according to fund of the present invention and comprise the capable terminal 101 of transmitting messages, the real-time treating apparatus 102 of funds transfer and receiving row terminal 103.
The client can utilize capable terminal 101 input funds transfer request and other the various information of transmitting messages, and comprises authentication information such as account password and customer credit line information etc.The capable terminal 101 of transmitting messages sends to the real-time treating apparatus 102 of funds transfer with the funds transfer request that receives and relevant information by the communication network (not shown) and handles.The real-time treating apparatus 102 of funds transfer is finished fund according to client's funds transfer request and is transferred in real time after the processing, the object information after the clearance and fund is marked the balance amount information that account and fund put account under send to receiving row terminal 103.
The terminal that the capable terminal 101 of transmitting messages can be a bank counter, ATM (automatic teller machine) (ATM), point-of-sale terminal (POS), self-service logical, call center, Web bank, telephone bank or any banking terminal that is used to receive the clients fund request.The capable terminal 101 of transmitting messages can comprise first display device 1011, first input media 1012, first output unit 1013 and first printing equipment 1014 etc.
The client is by first input media, 1012 input funds transfer request and other information.First output unit 1013 sends to the real-time treating apparatus 102 of funds transfer with these funds transfer requests and relevant information and handles.First display device 1011 is used for the funds transfer request and the relevant information of client's input are shown, confirm for the client, first display device 1011 can also receive the information that the real-time treating apparatus 102 of funds transfer returns simultaneously, mode with prompting message shows the information of returning, and shows the client.First printing equipment 1014 can print the information that shows on first display device 1011 according to client's request.
Via unshowned communication network, the client comprises that by the funds transfer request and the relevant information of capable terminal 101 inputs of transmitting messages authentication information such as account password and customer credit line information etc. are sent to the real-time treating apparatus 102 of funds transfer request.The real-time treating apparatus 102 of funds transfer comprises that operation flow control device 1021, accounting accounting processing device 1022, fund clear device 1023 and database 1024 in real time.
Database 1024 stored data owners will comprise:
(1) each accountee fileinfo mainly comprises: number of the account, mechanism information, currency, banking procedure where deposits and withdrawals are processed at any branch bank information, account balance, remaining sum direction, overdraw sign, control remaining sum, recording status etc.;
(2) message fileinfo in the system mainly comprises: the mechanism information of transmitting messages, the teller's serial number of transmitting messages, date of message, receiving mechanism information, receiving teller serial number, receiving date, message numbering, test serial number, message status sign indicating number, currency, the amount of money, Transaction Information, recording status etc.;
(3) accounting entry table information mainly comprises: transaction code, mode of doing business, type of transaction, debt-credit sign, amount of money formula, a day knot indicate, now change sign, go into general ledger sign, recording status etc.;
(4) liquidation statement in the system: number of the account, mechanism information, currency, account code, trade date, remaining sum direction, this day accumulative total debit generation, this day accumulative total credit side generation, debit's generation, credit side's generation, account balance, the maximum overdraw amount of money, default interest number of times, recording status etc.;
(5) the clearance dope vector mainly comprises: row information, Currency Type, amount of settlement, loan information, date, clearance mode etc.
Wherein, number of the account refers to the code of the inner account of client or bank in database, and mechanism information refers to the code of bank outlets in database, and mode of doing business/clearance mode is generally by three bit representations, represent to borrow and borrow operative position respectively for first and the 3rd, second is the clearance operative position.Go into the general ledger sign, expression is gone into day general ledger or is gone into the off-balancesheet account, and the off-balancesheet account does not need clearance.
Operation flow control device 1021 receives the funds transfer request and the relevant information of capable terminal 101 inputs of transmitting messages, and by reading the customer information that is stored in advance in the database 1024, as customer bank account number and account password etc., the customer information of storage is in advance compared with the authentication information of client's input, check whether the client identity authentication information of capable terminal 101 inputs of transmitting messages is effective information, thereby judge whether the client who sends the funds transfer request is registered effective client in the system.
If judging this client is not registered effective client in the system, then operation flow control device 1021 sends the information of expression authentification failure to the capable terminal 101 of transmitting messages, to represent that by first display device 1011 of the capable terminal 101 of transmitting messages the information of authentification failure shows, so that remind the client that authentication information is made amendment.If judging this client is registered effective client in the system, then further whether the check funds transfer request that this client sent is effective for operation flow control device 1021, whether can whether exceed the amount of money operated on the account etc. in the scope of enterprising line operate of this client's account or funds transfer request as the funds transfer request.
If judge that the fund request that the client sent is invalid, then operation flow control device 1021 generates the illegal prompting message of funds transfer request, and this prompting message sent to the capable terminal 101 of transmitting messages via communication network, first display device 1011 by the capable terminal 101 of transmitting messages shows this prompting message, so that remind the client that the funds transfer request is made amendment.If judge that the funds transfer request that the client sent is effective, then operation flow control device 1021 sends to accounting accounting processing device 1022 with this funds transfer request, so that this funds transfer request is handled.
Accounting accounting processing device 1022 receives above-mentioned funds transfer request, and the funds transfer request is carried out accounting according to the accounting accounting processing method of design.Accounting accounting processing device 1022 at first extracts the funds transfer accounts information from the funds transfer request that receives, comprise that fund marks accounts information and fund puts accounts information under.It is the account that authenticates in the capable terminal 101 input authentication information of transmitting messages that so-called fund marks account, and fund marks accounts information can comprise information such as account number and the interior remaining sum of account, and the operation that fund is marked account is marking of fund.Fund puts account under and is meant the account that receives the fund that transfers, and fund puts accounts information under can comprise information such as account number and the interior remaining sum of account, and the operation that puts account for fund under can only be putting under of fund.
Device 1023 realizations are cleared in transferring by the fund in the real-time treating apparatus 102 of funds transfer of fund in real time.
Below, mark the A0 account that account is the A site with fund, fund puts the B0 account that account is the B site under, and the funds transfer amount of money is that 100 yuan of Renminbi are example, carries out the process that fund transfers in real time and is described in detail utilizing accounting accounting processing device 1022 and fund to clear device 1023 in real time.
As previously mentioned, because the data of bank have been carried out logical centralization, therefore, above-mentioned fund marks accounts information and fund puts accounts information under in fact corresponding to two records in the database 1024.After the fund extracted marks accounts information and fund and puts accounts information under, accounting accounting processing device 1022 is according to the amount of money to be transferred in the fund request, respectively to the processing of keeping accounts of these two in the database 1,024 two corresponding accounts of record, soon the remaining sum in the A0 account of A site reduces 100 yuan of Renminbi, and the remaining sum in the B0 account of B site is increased by 100 yuan of Renminbi, and set up corresponding clearance array.The clearance array (for the sake of simplicity, not comprising information such as date and clearance mode in this array) that accounting accounting processing device 1022 is set up at the mechanism under A0 account and the B0 account difference exemplarily is shown below:
Site A: borrow 100 yuan of Renminbi
Site B: borrow 100 yuan of Renminbi
In the clearance array, comprise following information usually: the area under each site and mechanism's information, Currency Type, amount of settlement, loan information, date, clearance mode etc.Accounting accounting processing device 1022 is sent above-mentioned clearance array into fund and is cleared device 1023 in real time, clear device 1023 in real time by fund and read in the clearance array area under the funds transfer Transaction Information and mechanism number, and number carry out Transaction Information according to area and mechanism and handle, thereby the clearance scope of judgement Transaction Information.Fund is cleared device 1023 in real time and then transaction currency, the amount of money is carried out accounting processing, and whether check clearance array is effective, and for example whether the check amount of money to be cleared is within the exercisable amount of money etc.Through check, after confirming that the clearance array effectively, the bank of deposit that is cleared 1023 couples of payees of device and payer by fund in real time carries out fund clearing automatically, promptly, the account of clearance array is carried out funds transfer according to the clearance scope of appointment, clear the customer account of each appointment, the information in the database 1024 is cleared the result that device 1023 clears in real time according to fund and is carried out corresponding modification.The concrete workflow that fund is cleared device 1023 in real time will be elaborated in conjunction with Fig. 4 in the back.
According to the present invention, fund is cleared device 1023 in real time according to the area under site A and the site B in the clearance array and mechanism number, judge the scope that this funds transfer is cleared, judge promptly whether site A and site B belong to the client in the same rank liquidation organization, if, then directly clear, if not, the request of then will clearing sends to other liquidation organization of upper level, in other liquidation organization of upper level, repeat above-mentioned judgement, up to searching out site A and site B is that one-level liquidation organization that belongs to the client of same mechanism, clears in this liquidation organization then.
Fund is cleared result after device 1023 will be cleared and the Transaction Information of account A and account B in real time, and promptly the information after the allocation of the funds sends to receiving row terminal 103 by communication network.
Receiving row terminal 103 comprises second input media 1031 and second output unit 1032.Second input media, 1031 reception funds are cleared the funds transfer information afterwards that device 1023 sends in real time, and are exported by second output unit 1032, show as the form with prompting message, perhaps print output.
Like this, just finished transferring in real time of fund between the account according to the fund of the present invention system that transfers in real time.
The real-time treating apparatus 102 of funds transfer that transfers in real time in the system 100 according to fund of the present invention can also comprise message process device 1025 in the system, be used to be responsible for operate under the situation of clearing class business the capable teller that transmits messages, system is when handling account, with message in the information composition systems such as account information, contents processing, insert in the database 1024, and message information in the generation system, send to receiving row terminal 103.Receiving row teller reads courier's content after receiving information on second output unit 1032 of receiving row terminal 103, carries out message and handles, as verify, keep accounts or other operations etc.If account or message content are had a question, receiving row teller can send and look into multiple message to the row of transmitting messages, and interrogates specifying information, and carries out subsequent operation according to looking into complex information.Should be appreciated that transferring in real time according to fund of the present invention that message in the system handles only is a kind of efficient assistant method to the funds transfer information verification, and be not re-used as the foundation of funds transfer.
In addition, the real-time treating apparatus 102 of funds transfer that transfers in real time in the system according to fund of the present invention can also comprise account overdraw default interest treating apparatus 1026.Since utilize fund of the present invention in real time the system of transferring realized transferring in real time of fund, the fund of transferring that certain one-level mechanism therefore might occur exceeds remaining sum in this mechanism, i.e. Tou Zhi situation, and the amount of money that may occur overdrawing is with the ever-increasing situation of carrying out of transaction.For this reason, according to the needs of bank's inner management, be to guarantee the timely clearance of clients fund if occur taking a kind of punitive measures, purpose when Sorry, your ticket has not enough value to the excess reserve deposit of depositing higher level bank.When overdraw appears in bank's excess reserve account amount of money, account overdraw default interest treating apparatus 1026 registration account overdraw information, produce default interest information and punish when mechanism's day knot, day whole batch processing according to the maximum overdraw of the default interest rate * amount of money, the default interest rate * amount of money of overdrawing in real time respectively, thereby prevented the behavior of malicious overdraft in the system effectively.
In addition, the real-time treating apparatus 102 of funds transfer that transfers in real time in the system according to fund of the present invention can also comprise information indicating treating apparatus 1027, and the necessary processing information indicating that is used for the funds transfer processing procedure is produced is given banking personnel or client.
The present invention also provides a kind of method that realizes that fund transfers in real time between the bank account.
The process flow diagram that transfers method in real time according to fund of the present invention as shown in Figure 2.Flow process starts from step 201.In step 202, funds transfer request that the reception client that goes by transmitting messages imports and the relevant information that comprises authentication information.Afterwards, flow process enters step 203.In step 203,, carry out fund and transfer processing in real time at the funds transfer request and the relevant information that receive.Detailed description for this step will describe in conjunction with Fig. 3.After step 203, flow process enters step 204.In step 204, the information that fund is transferred after the processing in real time sends to the receiving row, by the receiving line output of advancing.Flow process shown in Figure 2 ends at step 205.
Below, in conjunction with Fig. 3 the fund according to the present invention fund in the method for transferring is in real time transferred treatment step in real time and be elaborated.
Fund among Fig. 3 transfers treatment step in real time and starts from step 301.In step 302, the client identity that sends the funds transfer request and the validity of request are tested.Have only when client identity authentication and request all meet fund and transfer requiring of processing in real time, flow process just enters the processing that step 303 is carried out the accounting account.Otherwise the information that output is made mistakes is so that the client makes amendment to authentication information and/or funds transfer request.In step 303, the account that the funds transfer request the is related to processing of keeping accounts is revised the remaining sum in the account, and is set up corresponding clearance array according to the funds transfer request.In the clearance array, comprise following clearance dope vector: the area under each site and mechanism's information, Currency Type, amount of settlement, loan information, date, clearance mode etc.Afterwards, flow process enters step 304.In step 304,, fund is cleared in real time according to the clearance array of setting up in the step 303.
Idiographic flow about real-time clearance step will describe in conjunction with Fig. 4 below.After the step 304, flow process shown in Figure 3 ends at step 305.Step 203 in the flow process shown in Figure 2 finishes.
Fig. 4 illustrates the fund particular flow sheet of clearance in real time.Flow process shown in Figure 4 starts from step 401.In step 402, extract the clearance array data information in the clearance array, and, need to judge whether the clearance account according to the clearance mode information in the clearance array data information.If do not need to clear through judging, flow process then shown in Figure 4 ends at step 403.If need clear through judging, flow process then shown in Figure 4 enters step 404.Currency Type information in step 404 statistics clearance dope vector, each participates in mechanism's relation of liquidation organization, and determines clearance Currency Type and clearance scope.Afterwards, flow process enters step 405.In step 405, the amount of settlement of judging each Currency Type with and whether borrow or lend money balance, if uneven through judging debt-credit, then flow process ends at step 403.If through judging the debt-credit balance, then flow process enters step 406.In step 406, the account information of each Currency Type in the clearance array is cleared in the clearance excess reserve account of each mechanism by the clearance scope of appointment.Flow process shown in Figure 4 ends at step 403.
In process flow diagram shown in Figure 2, after step 204, can also comprise message treatment step in the system.In this step, form message in the system by information such as account information, contents processings, be inserted in the database, and message information in the generation system, send to receiving row terminal.Receiving row teller carries out message and handles according to message information, as verifies, keeps accounts or other operations etc.If account or message content are had a question, receiving row teller can send and look into multiple message to the row of transmitting messages, and interrogates specifying information, and carries out subsequent operation according to looking into complex information.Should be appreciated that transferring in real time according to fund of the present invention that message in the system handles only is a kind of efficient assistant method to the funds transfer information verification, and be not re-used as the foundation of funds transfer.
In addition, in process flow diagram shown in Figure 2, after step 204, can also comprise account overdraw default interest treatment step.Account overdraw default interest is the needs according to bank's inner management, is to guarantee the timely clearance of clients fund to the excess reserve deposit of depositing higher level bank if occur taking a kind of punitive measures, purpose when Sorry, your ticket has not enough value.In this step, when overdraw appears in bank's excess reserve account amount of money, just register account overdraw information, produce default interest information and punish when mechanism's day knot, day whole batch processing according to the maximum overdraw of the default interest rate * amount of money, the default interest rate * amount of money of overdrawing in real time respectively, thereby prevented the behavior of malicious overdraft in the system effectively.
In addition, in process flow diagram shown in Figure 2, can also comprise the information indicating treatment step after step 204, the necessary processing information indicating that is used for the funds transfer processing procedure is produced is given banking personnel or client.
It is to be noted that the data transfer of transmitting messages between capable terminal 101, the real-time treating apparatus 102 of funds transfer and the receiving row terminal 103 can be undertaken by the special bank communication network, also can be undertaken by public communication network.
In addition, if the client be used to handle the account internal memory of funds transfer be placed with enough, satisfy the fund that the client handles the corresponding Currency Type of funds transfer needs, transferring system and method in real time according to fund of the present invention so can provide 24 hours every days uninterrupted service.
Transfer system and method in real time according to fund of the present invention, realized the integrated and robotization of business processing, accounting, fund clearing, simplify home currency and foreign currency banking procedure where deposits and withdrawals are processed at any branch bank fund clearing operation flow, in affairs, finish and stride institution business, simplify the backstage transaction processing, stopped the monolateral generation of falling the account phenomenon.Simultaneously, transfer system and method in real time according to fund of the present invention and realized that the zero in transit of fund keeps accounts in real time, improved the utilization factor of fund, for bank, client have created huge economic interests.
It is by the pattern of clearing is step by step adopted in home currency and foreign currency book keeping operation (to public affairs, to private) that fund of the present invention transfers system and method in real time, be that subordinate opens excess reserve the higher level and deposits account, do not embody excess reserve clearance subject during online book keeping operation, only embody the remaining sum real-time update of excess reserve clearing account, and when mechanism's day knot, day whole batch processing, respectively produce a pair of gather in the middle of clearance subject subpoena, and participation day ties, day whole mechanism's accounting processing, thereby simplified the clearance operation, really realized transferring in real time of fund.
Under the situation that does not break away from spirit of the present invention, can make many changes and change.Should be appreciated that and the invention is not restricted to above-mentioned specific embodiment.Scope of the present invention is defined by the following claims.
Claims (20)
1. a fund transfers system in real time, comprising:
The capable terminal of transmitting messages (101) is used to receive funds transfer request and the relevant information that the client imports; And
The real-time treating apparatus of funds transfer (102) is used for according to described funds transfer request and relevant information from described capable terminal (101) reception of transmitting messages clients fund being transferred processing in real time.
2. fund according to claim 1 transfers system in real time, wherein, the described fund system that transfers in real time also comprises a receiving row terminal (103), is used for receiving and finance of export transfers object information after handling and fund in real time and marks the balance amount information that account and fund put account under from the real-time treating apparatus of described funds transfer (102).
3. fund according to claim 1 transfers system in real time, and wherein, the described capable terminal (101) of transmitting messages comprising:
First input media (1012) is used to receive described funds transfer request and the relevant information that the client imports; And
First output unit (1013) is used for described funds transfer request and relevant information are sent to the real-time treating apparatus of described funds transfer (102).
4. fund according to claim 3 transfers system in real time, wherein, the described capable terminal (101) of transmitting messages also comprises first display device (1011), be used to the funds transfer request and the relevant information that show that the client imports, confirm for the client, and receive the information that the real-time treating apparatus of described funds transfer (102) returns, and in the mode of prompting message the information of returning is shown, show the client.
5. the described fund according to claim 1 transfers system in real time, and wherein, described relevant information comprises the client identity authentication information.
6. fund according to claim 1 transfers system in real time, and wherein, the real-time treating apparatus of described funds transfer (102) comprising:
Operation flow control device (1021) is used to receive described funds transfer request and relevant information, the client identity authentication validity of the described funds transfer request of check input and the validity of described funds transfer request;
Accounting accounting processing device (1022), the effective funds transfer request that is used for effective client is sent is carried out accounting according to the accounting accounting processing method of design, and sets up corresponding clearance array; And
Fund is cleared device (1023) in real time, is used for according to the real-time settlement fund of described clearance array.
7. fund according to claim 6 transfers system in real time, and wherein, the real-time treating apparatus of described funds transfer (102) also comprises a database, is used to store all clients' customer information, accounts information and described clearance array.
8. fund according to claim 6 transfers system in real time, and wherein, described clearance array comprises area under each site and mechanism's information, Currency Type, amount of settlement, loan information, date, clearance mode etc.
9. fund according to claim 6 transfers system in real time, and wherein, described fund is cleared device (1023) in real time according to the information in the described clearance array, and payee and payer's the bank of deposit is carried out fund clearing, finishes funds transfer.
10. fund according to claim 6 transfers system in real time, wherein, the real-time treating apparatus of described funds transfer (102) also comprises message process device (1025) in the system, be used for message in the information composition systems such as account information, contents processing, and message information in the generation system, be used for information verification.
11. fund according to claim 6 transfers system in real time, wherein, the real-time treating apparatus of described funds transfer (102) also comprises an account overdraw default interest treating apparatus (1026), be used for occurring that Sorry, your ticket has not enough value and when carrying out funds transfer in the excess reserve deposit of depositing higher level bank, registration account overdraw information, produce default interest information and punish when mechanism's day knot, day whole batch processing according to the maximum overdraw of the default interest rate * amount of money, the default interest rate * amount of money of overdrawing in real time respectively, thereby prevented the behavior of malicious overdraft in the system effectively.
12. fund according to claim 6 transfers system in real time, wherein, the real-time treating apparatus of described funds transfer (102) also comprises information indicating treating apparatus (1027), is used for the process information that the funds transfer processing procedure produces is prompted to banking personnel or client.
13. a fund transfers method in real time, comprises the steps:
Receive the funds transfer request of client's input and comprise the relevant information of authentication information;
Carry out fund and transfer processing in real time.
14. fund according to claim 13 transfers method in real time, wherein also is included in described fund and transfers after the treatment step object information that fund transferred in real time after the processing and fund in real time and mark the step that account and fund put the balance amount information output of account under.
15. fund according to claim 13 transfers method in real time, wherein, described fund transfers treatment step in real time and comprises:
The validity of check client identity and funds transfer request;
Carry out the accounting accounting processing, and set up the clearance array;
Clear processing in real time, be used for fund being cleared in real time according to described clearance array.
16. fund according to claim 15 transfers method in real time, wherein, described real-time clearance treatment step comprises:
Determine clearance Currency Type and clearance scope;
The amount of settlement of judging each Currency Type with and whether borrow or lend money balance;
When being judged as the debt-credit balance, then the account information of each Currency Type in the described clearance array is cleared in the clearance excess reserve account of each mechanism by the clearance scope of appointment.
17. fund according to claim 15 transfers method in real time, wherein, described clearance array comprises area under each site and mechanism's information, Currency Type, amount of settlement, loan information, date, clearance mode etc.
18. fund according to claim 13 transfers method in real time, wherein, also is included in described fund and transfers message treatment step in the treatment step system afterwards in real time.
19. fund according to claim 13 transfers method in real time, wherein, also is included in described fund and transfers treatment step account overdraw default interest treatment step afterwards in real time.
20. fund according to claim 13 transfers method in real time, wherein, also is included in described fund and transfers treatment step information indicating treatment step afterwards in real time.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200310116035 CN1635504A (en) | 2003-12-29 | 2003-12-29 | Real-time capital transfer system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200310116035 CN1635504A (en) | 2003-12-29 | 2003-12-29 | Real-time capital transfer system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1635504A true CN1635504A (en) | 2005-07-06 |
Family
ID=34843535
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 200310116035 Pending CN1635504A (en) | 2003-12-29 | 2003-12-29 | Real-time capital transfer system and method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN1635504A (en) |
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2009039768A1 (en) * | 2007-09-20 | 2009-04-02 | China Unionpay Co., Ltd. | A transaction data processing method for accounting received on the same day and a system thereof |
| CN103971211A (en) * | 2014-05-29 | 2014-08-06 | 中国银行股份有限公司 | Information processing method and device |
| CN104363272A (en) * | 2014-10-29 | 2015-02-18 | 中国建设银行股份有限公司 | Data transferring method and device |
| CN104732441A (en) * | 2015-04-07 | 2015-06-24 | 中国农业银行股份有限公司 | Data checking method and device applicable to fund consignment sale mechanism |
| CN105654380A (en) * | 2016-02-04 | 2016-06-08 | 中国银行股份有限公司 | Method and system for recording data alignment |
| CN105741094A (en) * | 2016-01-26 | 2016-07-06 | 中国建设银行股份有限公司 | Payment system for immediately transferring to account and electronic business system |
| CN109191304A (en) * | 2018-06-04 | 2019-01-11 | 平安科技（深圳）有限公司 | Transaction data netting processing method, system, computer equipment and storage medium |
| CN110070350A (en) * | 2019-03-25 | 2019-07-30 | 中金支付有限公司 | A kind of payment transaction settlement processing method and system |
| CN111199393A (en) * | 2019-12-24 | 2020-05-26 | 天阳宏业科技股份有限公司 | Posting method, device and equipment for single information transaction |
-
2003
- 2003-12-29 CN CN 200310116035 patent/CN1635504A/en active Pending
Cited By (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2009039768A1 (en) * | 2007-09-20 | 2009-04-02 | China Unionpay Co., Ltd. | A transaction data processing method for accounting received on the same day and a system thereof |
| CN103971211A (en) * | 2014-05-29 | 2014-08-06 | 中国银行股份有限公司 | Information processing method and device |
| CN104363272A (en) * | 2014-10-29 | 2015-02-18 | 中国建设银行股份有限公司 | Data transferring method and device |
| CN104732441B (en) * | 2015-04-07 | 2017-12-19 | 中国农业银行股份有限公司 | A kind of verification of data method and device suitable for fund commission organization |
| CN104732441A (en) * | 2015-04-07 | 2015-06-24 | 中国农业银行股份有限公司 | Data checking method and device applicable to fund consignment sale mechanism |
| CN105741094A (en) * | 2016-01-26 | 2016-07-06 | 中国建设银行股份有限公司 | Payment system for immediately transferring to account and electronic business system |
| CN105654380A (en) * | 2016-02-04 | 2016-06-08 | 中国银行股份有限公司 | Method and system for recording data alignment |
| CN109191304A (en) * | 2018-06-04 | 2019-01-11 | 平安科技（深圳）有限公司 | Transaction data netting processing method, system, computer equipment and storage medium |
| CN109191304B (en) * | 2018-06-04 | 2023-05-30 | 平安科技（深圳）有限公司 | Transaction data rolling stock processing method, system, computer equipment and storage medium |
| CN110070350A (en) * | 2019-03-25 | 2019-07-30 | 中金支付有限公司 | A kind of payment transaction settlement processing method and system |
| CN110070350B (en) * | 2019-03-25 | 2021-05-14 | 中金支付有限公司 | Payment service settlement processing method and system |
| CN111199393A (en) * | 2019-12-24 | 2020-05-26 | 天阳宏业科技股份有限公司 | Posting method, device and equipment for single information transaction |
| CN111199393B (en) * | 2019-12-24 | 2023-05-26 | 天阳宏业科技股份有限公司 | Account entering method, device and equipment for single information transaction |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US7004382B2 (en) | Payment validation network | |
| AU658233B2 (en) | Electronic-monetary system | |
| US7337953B2 (en) | Negotiable instrument authentication systems and methods | |
| CN107563754B (en) | Block chain-based crown word number information storage and verification method | |
| US6754640B2 (en) | Universal positive pay match, authentication, authorization, settlement and clearing system | |
| US20020152164A1 (en) | Method and apparatus for processing a check within a financial system | |
| CN106920169A (en) | A kind of digital ticket method of commerce and system based on block chain and digital cash | |
| CN1878078B (en) | Issuing machine and issuing system | |
| US20030135457A1 (en) | Method and apparatus for providing online financial account services | |
| US20070011090A1 (en) | Electronic exchange and settlement system for cash letter adjustments for financial institutions | |
| WO2001039589A2 (en) | Method and apparatus for providing online financial account services | |
| US20050149440A1 (en) | Systems and methods for routing requests for reconcilement information | |
| CN101004810A (en) | Electric tickets method and system based on network | |
| US20090076951A1 (en) | Method, system and computer program for generating financial transaction instructions | |
| KR102022462B1 (en) | Method for providing blockchain based contract manaement for p2p claim-oblligation relationship using token and virtual currency | |
| CN113783698A (en) | Supply chain financial method based on decentralized cross-chain | |
| KR20200030787A (en) | Apparatus for virtual currency payment, exchange, and method for providing payment service based on blcok-chain | |
| CN113919938A (en) | Domestic buyer's warranty financing method, device, equipment and medium based on block chain | |
| CN111369371A (en) | Business ticket financing system and method based on block chain | |
| KR20000024490A (en) | Method for issuing and circulating cyber currency based on identification numbers in the computer network and computer-readable medium recording the method | |
| CN117114841A (en) | Background management system and bank draft business service system based on block chain technology | |
| CN111798226A (en) | Block chain-based digital currency cross-border payment method and system | |
| CN111539724A (en) | Electronic commercial acceptance bill financing method and device based on block chain architecture | |
| CN1635504A (en) | Real-time capital transfer system and method | |
| CN113592616A (en) | Processing method for realizing consistency of teller real object and account |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |