TWI310917B - - Google Patents

Description

1310917 __Case No. 94102712_年月日日__ Jade, invention description (1) [Technical field of invention] The present invention relates to a cross-bank financial service network system and a clearing method, which can enable a plurality of financial units, Cross-bank transactions between grassroots financial units, sharing centers, or independent financial units are convenient, secure, and accurate, and can combine the effects of integration of software, hardware, and network architectures to achieve immediate business clearing. [Prior Art] The use of computer software and communication networks has improved the traditional financial industry trading model. There are many trading transactions in software and network. However, as the financial boom is booming, the relative information for electronic trading is relatively high. The flow control tube is more complicated, and gradually makes this kind of transaction through the network electronic media, such as low security, low accuracy, unclear accounting, etc., because as long as the transaction volume is large, even the electronic data stream It is still not easy to ensure that every data stream will be wrong, but the losses in the financial industry are often not only the difference in amount, but also by the hardware connection and control software between the various banks. There are still many follow-up remedies that are quite complicated. There is a mechanism, facility or method to improve this situation, which is what I am trying to overcome at this stage. SUMMARY OF THE INVENTION The main object of the present invention is to provide a cross-bank financial service network system and a clearing method, which provide a network system and a clearing method for facilitating transactions. Another object of the present invention is to provide a cross-bank financial service network system and a clearing method, which is a network system and a clearing method for ensuring transaction security. Still another object of the present invention is to provide a cross-bank financial service network system and a clearing method, which is a network system and a clearing method for accurate transaction accounting.

Page 5 1310917 _ Case No. 94102712_年月日日__ V. Invention Description (2) Another object of the present invention is to provide a cross-bank financial service network system and a clearing method, which have both indefinite periodic business clearing and fixing Network system and clearing method for periodic business clearing ability. For the above purposes, the inter-bank financial service network system and the clearing method of the present invention are carried out by a plurality of financial units, or by a primary financial unit, or by a primary financial unit by a sharing center, or by a sharing center itself or an independent financial unit. Set up a network structure and push a clearing representative; then set up an independent agency as a confirmation mechanism for the transaction, and set up a special account for liquidation; then multiple financial units, primary financial units, sharing centers or independent finance The unit and the agency are connected to form a complete communication line by the aforementioned network structure, and the data flow between any financial unit and another financial unit, the primary financial unit, the sharing center or the independent financial unit must be transmitted through the agency. Forwarding and transfer; then set up a set of control software as a mechanism for controlling transaction data flow in the agency. The control soft system has encryption/decryption capabilities. Each data stream is transmitted through the network architecture and controlled by the intermediary. Software check confirms and stores the transaction log file in the data And then forwarded to another target financial unit; the clearing method provided by the present invention enables each or every batch of transactions to be independently settled in an indefinite period, or implements multiple financial units, primary financial units, and shares within a certain period of time. Business liquidation between the center and independent financial units. Summarizing the hardware architecture of the present invention, the flow of each data stream can be controlled by the network, and at the same time, the function of the control software can be matched, and the convenience and security of the transaction log file in the database can be easily achieved, safely and accurately. At the same time, if the liquidation period is adjusted to an appropriate time interval, the implementation of each transaction or batch of instant transactions can be reached.

Page 6 1310917 __ Case No. 94102 Ή 2 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Characteristics and the effects achieved. [Embodiment] The present invention provides a cross-bank financial service network system and a clearing method, which can make inter-bank transactions between multiple financial units more convenient, safe, and accurate, and can achieve network structure and clearing of instant business clearing. method. Referring to FIG. 1 , the implementation steps of the cross-bank financial service clearing method of the present invention are as follows. First, step S 1 2 and step S 14 are performed, and a plurality of financial units select a plurality of business clearing representatives, and provide an independent agency to be responsible for the control. Coordinate the trading behavior and data flow between the multiple financial units. Next, in steps S16 and S18, the agency establishes a dedicated account and establishes a network system for the plurality of financial units and the intermediary organizations, so that the plurality of financial units and the intermediary organizations can transmit the data stream. Then, steps S20 and S22 are performed to perform the transaction behavior, and the transaction behavior is performed by at least one of the financial units and at least one of the other financial units, and the intermediary mechanism receives the lean stream on the way of transmitting the data stream. Then, step S24 is performed to control the software as a mechanism for controlling the data flow, wherein the control soft system has an encryption/decryption capability, and each data stream is transmitted through the network and is confirmed by the control software via the control software. The transaction log file is stored in the database as an auxiliary and settlement, wherein the control software controls the flow of each information flow through the network. Then, steps S 26 and S2 8 are carried out, and the information flow between the intermediary financial institution and the target financial unit and the plurality of financial units is controlled by the control software to complete the transaction. Then proceed to steps S30 and S32 to participate in the financial transaction

1310917 Case No. 94102712 Month 修正 Amendment V. Invention Description (4) The unit completes the business cycle of the indefinite cycle, and as the transaction continues, the non-scheduled business liquidation is continued and the transaction log file is confirmed. Next, in step S3 2, the plurality of financial units complete the fixed-cycle business clearing of the plurality of transaction transactions by the transaction log file, and complete the net payment/receipt action with the special account. For details, please refer to Figure 2. First, the relationship between financial units under normal circumstances will be explained. As shown in the first embodiment, it is assumed that there is a financial group. Of course, the number of financial groups can be any other number as long as it can be combined into one. The group can be as shown in the figure, the financial group is surrounded by a virtual peripheral line. The controller of the present invention is intended to be a financial unit included in the financial group. The so-called financial unit 11 means that the transactions listed below can be mutually performed. Independent business units of conduct, which can be in the form of deposits, withdrawals, transfers, cash advances, credit loans, spending expenses, ticket remittances, collections, electronic cash deposits or credits, or credit card payments. Of course, in actual operation, other possible forms of transaction content may be used, but the content of these transactions does not affect the technical scope and implementation aspects disclosed in this specification; then, the liquidation representative 1 2 is to be deduced from the aforementioned multiple financial units to achieve The clearing method provided by the present invention is to utilize sufficient representativeness and obtain charging The liquidation representative 12 authorized to perform the liquidation business for at least one financial unit 11 agent entrusted by itself. If the liquidation is to be carried out more efficiently and quickly, the purpose of the electronic transaction may contain some of such cumbersome The procedure is implemented by software. The method provided by the present invention is also modified and applied by using these concepts. The clearing representative has several considerations in principle. First, the actual business operation is based on the financial group as an independent selection group. Suitable, cover due to

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Case No. 94102Ή2 V. Invention Description (5); i= or safety perspective considerations – within the financial group, business...- Calculate the number of 12, not greater than the gold, so in principle, clearing the right, 0, in the official jade group The total number of all financial units 11, but the liquidation representative 1 2 can be reserved for each plural., ^ ^ m The main 瞀 is too, 〇 * 4 is one early, so the embodiment 1 of the present invention 12 is a hypothesis, but does not preclude the existence of a plural liquidation generation; please continue to refer to the second embodiment of the figure, which is a plural or ^ > a grassroots financial unit 15, for example, a credit cooperative or a farmer's fishery, real: 2 2 There is a total, the center i 6, its positioning is slightly different from the above-mentioned liquidation representative] 2, ^10 shared center 16 is more focused on centralized clearing, the role of the overall settlement is not, can be applied to the scope of the idea of the present invention, relatively simple The understanding of the second party is to compare the basic financial units with 15 categories as the general non-liquidation financial unit 丨i, and the general use center 16 for the role of the independent financial unit. 17, please pay attention to one = shell, the above-mentioned "analog" series As a basis for the implementation of business liquidation It does not refer to the actual situation of the financial system, and there is still a peripheral dotted line in the slave example 2, which illustrates this group operation mode similar to the embodiment, but this is not mandatory and must be formed by multiple basic financial units i 5 The Group will continue to refer to the embodiment of Figure 3, which is a schematic diagram of the implementation of the above-mentioned basic financial unit 15 which can be liquidated separately and separately. For the same reason, please continue to refer to Embodiment 4 of the figure, which is an independent financial system. Unit 17 'In fact, the financial industry still has financial institutions that do not depend on the financial group to operate independently. 1 1 It is of course still possible to implement trading activities, and because its operating system is not large or the business volume is not good, there is no need to set up a liquidation representative. 1 2 can implement business clearing', then those who believe that the qualifications are valid can also serve as the above-mentioned clearing representative 1 2 'that is, the financial unit with this trait can be upgraded to become a single

1310917 _ Case No. 94102712_年月日日__ V. Description of invention (6) If the financial unit is established and can be its own liquidation representative 1 2 after approval, such independent financial unit can participate in special cases. The clearing behavior of the present invention does not violate the methods and principles disclosed by the present invention; the type of the foregoing embodiment 4 is particularly applicable to a transaction mechanism such as a credit card, a ticket, a trust, etc., if the internal gold flow and the data flow mode are both By replacing the independent financial unit with the equivalent of 17%, the system and method provided by the present invention can be monitored at the end of the transaction behavior regardless of the actual internal transaction situation, achieving the same confirmation, clearing effect and more The present invention proposes a total of four embodiments and their appearances, and it is desirable to present the clearing method of the present invention in detail. In fact, the financial business has changed a lot, and the present specification can only propose several representative ones. The basic form is not a way of limiting implementation. Please continue to refer to FIG. 2, the foregoing network architecture 14 can be applied to the existing hardware architecture, and the present invention focuses on how to apply the network architecture 14 and implement the clearing method under appropriate improvement conditions, so the network architecture 1 4 forms are not limited, can be wired form communication network, wireless form communication network, satellite line communication network, telex line communication network, electric line communication network, optical line communication network or other forms of network can also focus on several Advantages: Easy to install, simple to modify, cost saving and resource sharing, etc. The improvement of the hardware aspect of the present invention is as follows: After the four types of financial business implementation and network architecture are properly set up, an intermediary institution 1 is established. 3. It plays a key role in the implementation of the present invention. It is positioned as an independent, detached, and coordinated unit of information flow capability. The importance of the agency 13 is that it can be used during business liquidation, especially The invention emphasizes the business liquidation of 11 inter-bank financial units. The issue of credibility must be emphasized, otherwise the liquidation will be lost. Originally pursuit of safe, accurate purposes; agency still means 13

Case No. 9410271? I310917 Amendment V. Description of the Invention (7) The car has several mechanisms to assist in the implementation of the present invention, a special account 131, a set of control software 132, and an upper account 131 are - Independently open account n database ^ is different from the general general silver I account, which is built in the aforementioned database 133 and usually exists in the form, field or ^ cell ^ database application format 'requires attention here In the two key points. One is that the special account 1 3 1 also needs to be detached and independent. The second is the form of the special account 131, the field 弋, 'month' and the real financial unit U that actually participates in the liquidation. , the second or self-recording / sub-division must be able to / ten whole two Λ · * T from the Α Θ 前述 前述 前述 前述 代表 代表 代表 代表 代表 代表 代表 代表 代表 代表 代表 代表 代表 代表 代表 代表 ; ; 专用 专用 专用 专用 专用 专用 专用 专用 专用 专用 专用 专用Network architecture 14 components, control software 132 together with the description, as shown in the figure, the network system of the present invention is based on the fact that the intermediary mechanism U is the gate of all data streams (the arrows of the figure are not). Tao, that is, every data flow is not - on how to flow, by Jane The second financial unit mobilizes mutual funds, and both parties to the payment/receipt have a different entrusted business financial unit n agency business and agent clearing, or a basic financial unit ^ 5, sharing center i 6 or independent finance Unit 17 joins the trading behavior, and even the multi-party trading behavior 'can be used to ensure that the information in the data flow loop is processed by the intermediary organization 13 regardless of the complexity of the data stream transmission method or the procedure involved in the transaction behavior, so the network The setting is based on the requirement that "Every financial unit can be connected to the network, and the structure is linked to the agency 13"; as in the above, "1 per financial unit can be linked to the agency 13". It can be easily exchanged between 2 different financial units. The so-called "arbitrary financial units" are the same or different financial groups or operate separately or belong to the basic financial unit system. Moreover, Liquidation or non

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1310917 Case No. 94302712 A_η 曰 Amendment 5, Invention Description (8) Liquidation on behalf of financial units 11 or 12, grassroots or independent financial units 15 or 17, and even the sharing center 16 are not restricted, the improved network provided by the present invention is hard The body architecture can overcome the blind spot of the problem; the network architecture 14 provided by the present invention can make each pen or batch transaction behavior correspond to the target financial unit 11 receiving/transmitting terminal, or each by means of a communication protocol. The flow of transient data flow is controlled, which depends on the implementation of the control software 132. The role of the control software 13 2 is to transmit, control and process the data stream; thus, the data flow of each transaction is required. After being controlled by the intermediary software 13 and directly controlled by the control software 133, and thus applying the liquidation method of the present invention described later, it is ensured that each data stream, that is, each transaction behavior, is fully regulated to meet the demand. Convenience of transaction, at the same time, the control software can be used for an additional encryption/decryption process, so that each data stream is first checked by the control software 1 3 2 At the same time, increase the security and accuracy of the transaction; in addition to the ability to distinguish the multiple financial units 11 in separate ways for the purpose of liquidation, the database 1 3 3 can also make each of the aforementioned transactions into a so-called transaction. Record file 1 3 4, the file is used to protect the error of the negative mask and the mechanism of the inquiry transaction (Note: The mechanism for querying the transaction is 24 hours, you can use the reply message to understand whether the success, failure and clearing account amount of the clearing transaction are Enough settlement, replenishment or transfer), positive aspects can facilitate the implementation of actual liquidation. At least one financial unit of the inter-bank business liquidation representative performs the collection or payment behavior between the respective financial units (including itself), and if the clearing business accounts for the net account or debit, it is lower than a certain net value (pre-settable) , that is, stop trading and notify the financial unit, after replenishing it to a certain net value or more, then renew the transaction; the advantage of this setting is to ensure the success of the transaction, and

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Month 修正 Corrected and immediately completed the reading of the transaction message and processed the clearing business more efficiently. The detailed clearing method and the implementation manner thereof of the present invention are as follows: The present invention provides two kinds of liquidation methods' which can be roughly divided into indefinite cycle business and solid f-cycle business clearing, and the two clearing methods can be used to further ensure the accuracy of < To reduce the loss caused by unnecessary mistakes. The indefinite period of business clearing is based on the time-out criteria, which is from the start of each transaction to the completion of the confirmation of the transaction, and the control transaction will notify the single transaction when the liquidation is implemented. All financial units involved n (may be crossed or, a financial unit 11, and may include a liquidation representative 12 and a non-liquidation representative 7 financial unit 11), only liquidate the single transaction, and cooperate with the special account 1 3 1 The information of the individual financial unit's code is compared with the pair, and the transaction record file of the single transaction is compared with the transaction amount of the transaction 34 to complete the business liquidation, and the financial units are counted in the one. , the net payment/receipt amount in the easy behavior, and the media of the special account i 3 i / collection, please also refer to the schema, whether it is financial The financial unit ', the middle and the Italian members', the liquidation representative 12, the grassroots financial single group second sharing center 16, or the independent financial unit 17, can forward the data stream through the intermediary agency 13 and take the road ^ The specific form of 'free participation' is not fixed. The owner J132 controls the data and can expand the scope of liquidation; the accuracy and security between the transactions is more secure, the latter can make the groups different by gf::B The trading cycle, the 曰疋/monthly cycle, the financial adjustment for the financial industry (especially the effect of the transaction or deferred payment (especially large sums and batch transactions)

1310917

-SS__941〇2712 V. INSTRUCTIONS (10) Degrees have their convenience. The solid-state cycle is based on the business clearing system. The actual ί Ϊ 为 is the fixed period, that is: a: ί clearing method, here It must be distinguished from the fixed-cycle business liquidation of the business day when the completion of the complex = transaction record file 134, and as expected, in the liquidator is:: Shi = software 132 automatically in a fixed cycle = a considerable amount of 1 2 Or, the primary financial unit 丨5, the sharing center 1 is notified to the liquidation representative and the fixed account or the independent financial unit 丨7 is taken out from the database 133, and the special account 131 is made into a field, a form or a =^ record file 134, the foregoing The control software 1 3 2 can be easily analyzed by the analysis column: at this time, the financial unit that plays the same code as the financial unit or the financial unit of the primary level 丨5, the form or the storage unit does not have the financial unit 1 7 data, respectively, distinguishing each _ = f use the center 16 or the liquidation representative commissioned by the center 12), the basic financial statement 3 = the position U (including the use of the center 16) or the independent financial unit 17 the actual payment ^ its commission ^ total account 131 virtualization role is not necessary = two f status, and dedicated The basic financial unit 15 (including its entrusted sharing center 16) ^ 箪 position 17 for the payment/revenue action, but as the above-mentioned establishment of the net payment amount, and through the denomination of the financial group between the various financial groups 丨 2 The sharing center 16 or the independent financial unit 17 will be the pay/revenue action, corresponding to each financial unit 11 (including its entrusted liquidation representative 12), the primary financial unit 15 (including its entrusted sharing center 16) or the independent financial unit 17 For pay/revenue actions, such a way of doing business will make the business clearing more efficient, and match the indefinite cycle of business clearing and fixed-cycle clearing, and the implementation will enable two different types of clearing to be effective.

1310917 __ Case No. 94102712_年月日日__ V. Description of invention (11) The error rate during liquidation is reduced. The present invention proposes to directly apply the existing financial network and implement it under the existing financial network architecture, and to enhance the accuracy and security of the liquidation under the existing financial network, so that the design has economic benefits and makes The feasibility of this case has been greatly improved. The invention provides a control software, and simultaneously integrates multiple verification confirmation and cross comparison of the control software, special account, database and transaction log file, so that the transaction is more convenient, safe and accurate, and the inter-bank financial service is handled in this way. . The above is only the preferred embodiment of the present invention and is not intended to limit the scope of the present invention. All changes or modifications to the shapes, structures, features and spirits of the present invention should be included in the scope of the present invention.

Page 15 1310917 _ Case No. 94102712_年月曰 修正 Amendment _ Schematic description of the drawing [Simple description of the diagram] Figure 1 is a flow chart of the implementation of the interbank financial service network system of the present invention. Figure 2 is a schematic diagram of the implementation of the interbank financial service network system of the present invention. [Main component symbol description] 1 1 Financial unit 1 2 Clearing representative 1 3 Agency 131 Special account 1 3 2 Control software 1 3 3 Database 1 3 4 Transaction log 1 4 Network architecture 1 5 Grassroots financial unit 1 6 sharing Center 1 7 independent financial units

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Claims (1)

1310917 Amendment __ Case No. 94302712 VI. Application for Patent Scope 1 · An inter-bank financial business network system consisting of the following components: plural financial units, which are business entities that can trade with each other; plural clearing representatives, which are from A number of financial units are selected for use as a representative unit for business liquidation; an intermediary agency that ensures that transactions are completed in a fair, error-free, authentic and safe manner; a dedicated account, which is set up by the agency to Providing a billing operation for the settlement of the plurality of financial units; a network for linking the intermediary institution and the plurality of financial units, and for transmitting data streams between the intermediary institution and the plurality of financial units, a database, which is set up in the intermediary, the database is controlled by the control software, and can be used as a medium for storing transaction record records; and a control software is provided in the intermediary to control the plurality of financial institutions. Transaction between units and data transmission, the control software acts as a mechanism for controlling data flow, and the control The system has encryption/decryption capability, and each data stream is transmitted through the network, and the intermediary device is checked and confirmed by the control software, and the transaction log file is stored in the database as an auxiliary and settlement, and the transaction record file is recorded. Forwarded to a target financial unit, where the control software controls the flow of each information flow through the network. 2 · The cross-bank financial service network system as described in item 1 of the patent application scope, wherein the plurality of financial units may further constitute a group of financial Page 17 1310917 _ Case No. 94102712_年月日日__ VI. Patent application scope Group. 3. The inter-bank financial service network system as described in item 2 of the patent application scope, wherein the financial group may be plural. 4. The inter-bank financial service network system as described in claim 1, wherein the financial unit may be a primary financial unit or an independent financial unit, and the clearing representative may be a shared center or an independent financial institution. unit. 5. The inter-bank financial business network system as described in claim 1, 2, 3 or 4, wherein the clearing representative is at least one financial unit selected from the financial group, which represents the plurality of financial units and The financial group formed by the plural financial units. 6 · The cross-bank financial service network system as described in item 1 of the patent application scope, wherein the intermediary institution is an independent unit and does not have direct subordinate business relationship with the financial unit. 7 · The cross-bank financial service network system described in claim 1 of the patent scope, wherein the network can be a universal Internet, a wired form communication network, a wireless form communication network, a satellite line communication network, and a telex line. Any combination of communication network, cable line communication network or fiber line communication network. 8 • If the inter-bank financial business network system described in item 1 of the patent application is applied, where the liquidation period is adjusted to an appropriate time interval, the implementation of each or every batch of real-time transactions can be reached. 9 · An inter-bank financial business clearing method, which comprises the following steps: a plurality of financial units electing a plurality of business clearing representatives; 1310917 __Case No. 94102Ή2_年月日__ - VI. Patent Application Scope An independent agency is responsible for regulating and coordinating the transaction behavior and data flow between the multiple financial units; the agency establishes a special account; The financial structure of the plurality of financial units and the intermediary institution enables the plurality of financial units and the intermediary to transmit the data stream; the transaction is conducted by at least one of the financial units and at least one other financial unit; the intermediary is transmitting the data stream Receiving the data stream on the way; controlling the software as the mechanism for controlling the data flow, and the control soft system has the encryption/decryption capability, and each data stream is transmitted through the network, and the control medium is checked by the control software Confirmation, and store the transaction log file in the database as an auxiliary and settlement, wherein the control software controls the flow of each information flow through the network; - the intermediary device forwards the data flow to the target financial unit; The data flow is controlled by the control software, and the transaction is completed. The financial unit of the transaction conducts the indefinite period of business liquidation; as the transaction continues, the non-scheduled business liquidation is continued and the transaction log file is confirmed; and the plurality of financial units complete the fixed transaction behavior by using the transaction record file. Cycle business clearing and complete the net payment/receipt action with this dedicated account. 1 0 · Inter-bank financial business clearing method as described in item 9 of the patent application scope Page 19 1310917 _ Case No. 94270712_年月曰 修正 Amendment _ VI. The scope of application for patents, wherein the plural financial units can be pluralized into a group to form a financial group. 11. The cross-bank financial business clearing method as described in item 10 of the patent application scope, wherein the financial group may be plural. 1 2 · The cross-bank financial business clearing method as described in claim 9 of the patent application, wherein the financial unit may be a primary financial unit or an independent financial unit, and the clearing representative may be a shared center or an independent financial institution. unit. The inter-bank financial business liquidation method as described in claim 9, claim 10, 11 or 12, wherein the liquidation representative is at least one financial unit selected from the financial group, and the representative represents the plural financial The unit and the financial group consisting of the plural financial units. 1 4 · The cross-bank financial business clearing method as described in item 9 of the patent application scope, wherein the intermediary institution is a coordinated certification and does not participate in trading behavior. 1 5 . The cross-bank financial business clearing method as described in claim 9 wherein the production log file is stored in a database, and may be stored, controlled or separated by a virtual account in the form of a form or a block. Deposits from individual financial units. 16. The cross-bank financial business clearing method as described in claim 15 of the patent application, wherein the virtual account is a fixed amount and the upper limit or the lower limit can be adjusted. 1 7 · The cross-bank financial business liquidation method as described in item 9 of the patent application scope, wherein the transaction behavior may be payment or collection, and the actual transaction form Page 20 (S) 1310917: _ Case No. 94270712_年月日日__ VI. The scope of application for patents can be deposit, withdrawal, transfer, cash advance, credit loan, spending, ticket remittance, collection Money, electronic cash or credit card. 1 8 · The method for liquidation of inter-bank financial services as described in Sections 9, 14 or 17 of the patent application, wherein the transaction is transmitted in the form of a data stream and can be stored in electronic file format. 19. The cross-bank financial business clearing method as claimed in claim 9, wherein the control soft system controls the transmission of the data stream and encrypts or decrypts the data stream. 2 0. The method for liquidation of an interbank financial business as described in claim 9 or claim 9, wherein the verification of the control software is performed at least one time before or after the reception. 2 1 · The cross-bank financial business clearing method as described in claim 9 of the patent application, wherein the transaction log file may be encrypted or decrypted. .22. The cross-bank financial business clearing method as described in claim 9 of the patent application scope, wherein the target financial unit refers to the financial stream unit corresponding to each transaction behavior or the data stream transmission in the transient program of each transaction behavior is located at the receiving end Financial unit. 2 3 · The cross-bank financial business clearing method as described in item 9 of the patent application scope, wherein the indefinite period business clearing system is a time interval from the initiation of each transaction to the confirmation of completion of the transaction. 2 4 · The cross-bank financial business clearing method described in claim 9 of the patent scope, wherein the fixed-cycle business clearing system is from several hours to several hours. 2 5 · The cross-bank financial business clearing method as described in claim 9 or 23, wherein the indefinite cycle business clearing system may participate in the transaction Page 21 1310917 _ Case No. 94102712_年月日日__ 々, the scope of application for patents The multiple financial units of the conduct are carried out separately and are controlled by the intermediary and its affiliated control software. 2 6 · For cross-bank financial services clearing methods as described in Sections 9, 15, 5 or 17 of the patent application, where the net payment/receipt refers to software control, transaction record matching, business clearing Or the total amount payable/receivables calculated by reference to the special account quota. 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