CN101093571B - A kind of method that bank data processes - Google Patents

A kind of method that bank data processes Download PDF

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CN101093571B
CN101093571B CN200710075895.5A CN200710075895A CN101093571B CN 101093571 B CN101093571 B CN 101093571B CN 200710075895 A CN200710075895 A CN 200710075895A CN 101093571 B CN101093571 B CN 101093571B
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data
tentative calculation
fixed
bank
fixed data
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CN101093571A (en
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刘建军
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ZHAOSHANG BANK CO Ltd
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ZHAOSHANG BANK CO Ltd
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Abstract

The present invention discloses a kind of method that bank data processes, tentative calculation device is connected with data processing equipment, data storage device, data storage device storage has data base, data base presets the first data base and the second data base, including step: 2) tentative calculation device tentative calculation, judge whether the first fixed data meets condition, when condition is set up, enter step 3): tentative calculation device sends the first fixed data information entering data base of storage to data processing equipment;4) data processing equipment carries out the first fixed data process.By this technology, transaction place between bank and user no longer sticks to sales counter, exchange hour no longer sticks to the agreement signed between user and bank, transaction can occur at any time according to the requirement of user, can also the most automatically occur by fixed frequency (such as every day) according to the agreement sticking to sign between user and bank, both facilitate user, and reduced the cost of user, meanwhile, the risk of bank is also reduced.

Description

A kind of method that bank data processes
Technical field
The present invention relates to a kind of method that bank data processes.
Background technology
Along with the development of computer, increasing computer technology is applied to civilian, the method that relevant data process, Arrive the biggest development.
Chinese invention patent application prospectus (publication number: CN 1426027A) discloses one and utilizes communication system Carry out water, electricity, gas and use the system of automatic charging.It is discussed below in summary: the invention discloses one and utilizes communication system System carries out water, electricity, gas and uses the system of automatic charging.This system is by new water meter, ammeter, gas meter, communication system (microwave wireless Communication system or line communication system), the automatic fee charging management center of water, electricity, gas supplying sector, banking system and set accordingly Standby facility is constituted.By this Fare Collection System, water, electricity, gas supplying sector be reached by computer programming count go out user's water, electricity, The actually used amount of gas, then in the bank account that user specifies, bales catch goes corresponding water, electricity, gas usage charges, meanwhile, right Service condition and the fund state of user's water, electricity, gas compare in good time, once find that user does not has fund or insufficient funds, Remind user's replenishment of funds invalid in the case of, will automatically send cut off the water supply, power-off, signal of dying, user cuts off the water supply, power-off or Die.Native system achieve water, electricity, gas usage charges automatic, punctual, accurate, efficiently collect, it is achieved that first pay the fees, use afterwards, Do not pay the fees, do not use, it is to avoid the loss of water, electricity, gas supplying sectors.
In method disclosed in above-mentioned Chinese invention patent application prospectus, although refer to water, electricity, gas service condition With the comparison of fund, but not to being connected of comparison means and banking system, comparative approach application in banking system is carried out The openest.It addition, the present invention cannot realize user's initiative system at any time, water, electricity, gas service condition and fund are compared, And obtain comparative result.
Therefore, the most still lack a kind of method that bank data processes, make tentative calculation device be applied in banking system, And realize the most perfect function, obtain good effect.
Tentative calculation device is also widely used at other field.Chinese invention patent application prospectus (publication number: CN 1428732) a kind of method disclosing automatically producing prediction of supplier.It is discussed below in summary: one automatically generates confession Answer the method that business predicts, in order to solve in the material forecast system in manufacturing industry now cannot the problem of Accurate Prediction material, It is simulated the prediction of material requirement by the prediction tentative calculation servomechanism in enterprises end servomechanism, and prediction address is sent in time Supplier and procurement staff, complete pan feeding and select and purchase operation, and the present invention at least comprises the following steps: that enterprises end receives at least one The prediction data that client is transmitted, and by Enterprise Resources Planning servomechanism consolidated forecast data, pass through ERM afterwards Planning servomechanism produces the order starting prediction tentative calculation servomechanism, and performs to predict tentative calculation servomechanism, then prediction tentative calculation servo Device produces prediction address, finally by specific transmission means, prediction address is transmitted supplier's end.
In method disclosed in above-mentioned Chinese invention patent application prospectus, tentative calculation servomechanism must be advised by ERM Drawing servomechanism to start, could perform to predict tentative calculation, Computer Service is not strong in the motility of the method, and work efficiency is limited.
According to retrieval, currently without the method for the bank data process of a kind of core banking system that can be applicable to complexity, energy Enough automatic tentative calculations realizing transaction feasibility, and it is capable of the most perfect tentative calculation function.
Summary of the invention
In order to overcome the above-mentioned automatic tentative calculation that cannot realize transaction feasibility, user also cannot require computer system at any time It is traded the technological deficiency of feasibility tentative calculation, the invention provides a kind of method that bank data processes.
The present invention solves the technical scheme of technical problem:
A kind of method that bank data processes, it includes tentative calculation device, data processing equipment, data storage device, tentative calculation Device is connected with data processing equipment, data storage device, and described data storage device storage has data base, in data base Presetting the first data base and the second data base, the method is by above-mentioned configuration, it is characterised in that include step:
2) tentative calculation device carries out the first fixed data tentative calculation by fixed frequency to data base, it is judged that whether the first fixed data Meet condition,
If: the first fixed data is less than the first data base, and this tentative calculation terminates, and tentative calculation device waits the next time period pair Data base is fixed data tentative calculation;
If: after tentative calculation, the first fixed data deducts the value of the first data base less than the second data base, and this tentative calculation terminates, examination Calculate device and wait that the next time period is fixed data tentative calculation to data base;
When above-mentioned two condition is all false, condition is set up, and enters step 3);
3) tentative calculation device sends the first fixed data information entering data base of storage to data processing equipment;
4) data processing equipment carries out the first fixed data process.
Preferably, tentative calculation device is sequentially connected with external network, terminal and connects, step 2) front increase step:
11) user proposes the second fixed data process request to terminal, and inputs entrance data base according to the prompting of terminal The second fixed data information;
12) described second fixed data processes request and the second fixed data information and is sent to tentative calculation dress by external network Put;
13) the second fixed data information entering data base that tentative calculation device transmits according to external network, it is judged that Yong Hushi No handling opens interface, if the most open-minded, then returns;If the most open-minded, then handle and open interface and return;
14) the second fixed data information entering data base that external network is transmitted by tentative calculation device sends data storage to Device;
15) data-base recording in data storage device is relevant opens agreement and user profile.
The second fixed data information of the described data base of entrance includes: user profile and the second fixed data process request.
Preferably, step 2) farther include the following step:
21) user proposes the first fixed data process request to terminal, and inputs entrance data base according to the prompting of terminal The first fixed data information;
22) described first fixed data processes request and the first fixed data information and is sent to tentative calculation dress by external network Put;
23) the first fixed data information entering data base that tentative calculation device transmits according to external network carries out tentative calculation, sentences Disconnected first fixed data processes whether meet condition:
If: the first fixed data information is less than the first data base, and tentative calculation device is reported an error to terminal by external network: " nothing Effect data ", this tentative calculation terminates, and user's the first fixed data processes and asks unsuccessfully;
If: after tentative calculation, the first fixed data deducts the value of the first data base less than the second data base, and tentative calculation device is by outward Portion's network reports an error to terminal: " after the first fixed data processes, the first fixed data deducts the value of the first data base less than the second number According to storehouse ", this tentative calculation terminates, and user's the first fixed data processes and asks unsuccessfully;When above-mentioned two condition is all false, first Fixed data treatment conditions are set up, and enter step 24);
24) relevant informations such as the first fixed data are sent to terminal by external network by tentative calculation device, wait that user is true Recognize;
25) terminal will confirm that information passes to tentative calculation device by external network.
The first fixed data information of the described data base of entrance includes: user profile and the first fixed data process request.
Preferably, the following step is increased:
5) data processing equipment sends data processing of information to data storage device;
6) data storage device record data processing of information.
Preferably, the following step is increased:
7) data processing of information is generated note by tentative calculation device, and by described short message sending to SMS platform;
8) SMS platform by described short message sending to user mobile phone.
Preferably, increase step 9): tentative calculation device sends data processing of information to terminal by external network, and feedback is used Family.
Step 4) in, data processing equipment carries out the first fixed data process, and data value is to meet fixing of tentative calculation condition Value.
Step 4) in, data processing equipment carries out the first fixed data process, and data value is the maximum meeting tentative calculation condition Value.
Step 2) described fixed frequency is 24 hours.
Step 2) in containing multinomial second fixed data, first highest-ranking second fixed data of operator precedence.
Described first data base is minimum amount to pay, and described second data base is minimum odd corpus, and described first fixes It is residue loaning bill capital that data deduct the value of the first data base.
Described tentative calculation device is PMIS pmis, and described first fixed data is the refund amount of money, described One fixed data tentative calculation is refund tentative calculation;Described second fixed data is borrowing balance, and described second fixed data tentative calculation is to borrow Money tentative calculation.
Described data base is account.
Described terminal is one of phone, World Wide Web.
Described priority level produces time order and function arrangement, the second fixed data that priority level is the highest by the second fixed data Being the loaning bill that exceeds the time limit, what priority level was second highest is debit date loaning bill the earliest.
Compared with prior art, the beneficial effects of the present invention is:
Provide a kind of technology, add the tentative calculation device with tentative calculation function, make bank computer system be capable of The automatic tentative calculation of transaction feasibility, or user requires that computer system is traded the tentative calculation of feasibility;When tentative calculation condition is full When foot is pre-conditioned, computer carries out data process automatically.By this technology so that the transaction place between bank and user No longer sticking to sales counter, exchange hour no longer sticks to the agreement signed between user and bank.Transaction can wanting according to user Ask and occur at any time, it is also possible to no longer stick to the agreement signed between user and bank and by fixed frequency (such as every day) constantly from Dynamic generation.By this technology, the treatment effeciency of computer was both greatly improved, had facilitated user, reduced the one-tenth of user This, meanwhile, also reduce the risk of bank.The effect highly significant of the present invention.
Accompanying drawing explanation
Fig. 1 is the structured flowchart of the method that bank data of the present invention processes;
Fig. 2 is the structured flowchart of data-storage system of the present invention;
Fig. 3 is the flow chart of the method that bank data of the present invention processes;
Fig. 4 is the flow chart that present pre-ferred embodiments user carries out the method automatically refunded at any time to bank;
Fig. 5 is the flow chart of the method that bank is borrowed money by present pre-ferred embodiments user at any time;
Fig. 6 is that present pre-ferred embodiments user carries out the flow chart of the method for self-aid reimbursement at any time to bank.
Detailed description of the invention
Refer to the structured flowchart that Fig. 1 and Fig. 2, Fig. 1 are the methods that bank data of the present invention processes;Fig. 2 is number of the present invention Structured flowchart according to storage system.Background host computer 001 includes data storage device 002, data processing equipment 003 and tentative calculation device 004.Tentative calculation device 004 is connected with data storage device 002, data processing equipment 003 tentative calculation device 004, external network 005, terminal 006 is sequentially connected, and data storage device 002 storage has data base 901, presets the first data base in data base 901 902 and second data base 903.
Referring to Fig. 3, the method that data of the present invention process comprises the steps: that tentative calculation device 004 is by fixed frequency logarithm The step 101 of the first fixed data tentative calculation is carried out according to storehouse.If the first fixed data is less than the first data base 902, tentative calculation failure, enter Enter step 102;If the first fixed data deducts the value of the first data base 902 less than the second data base 903, tentative calculation mistake after tentative calculation Lose, enter step 102.When above-mentioned two condition is all false, tentative calculation success, enter step 103.Tentative calculation device 004 waits The next time period is fixed the step 102 of data tentative calculation to data base.Tentative calculation device 004 is by the entrance data base of storage The first fixed data information of 901 sends the step 103 of data processing equipment 003 to.It is solid that data processing equipment 003 carries out first The step 104 that given data processes.
Referring to Fig. 4, the processing method that bank of the present invention refunds the most automatically comprises the steps: that pmis was every 24 hours Account is carried out the step 201 of refund tentative calculation.If the refund amount of money is less than minimum amount to pay, tentative calculation failure, enter step 202;If Loaning bill capital is remained less than minimum odd corpus, tentative calculation failure, entrance step 202 after tentative calculation.When above-mentioned two condition does not becomes Immediately, tentative calculation success, enter step 203.Again account was carried out after pmis24 hour the step 202 of refund tentative calculation.Pmis will The relevant user information of storage and the automatic request of refunding send the step 203 of data processing equipment 003 to.Data processing equipment 003 step 204 processing transaction content.Loan balance is revised as keeping the length of maturity by data processing equipment 003, or keeps borrowing The step 205 of money monthly mortgage.Data processing of information is sent to the step 206 of data storage device 002 by data processing equipment 003. Data storage device 002 records the step 207 of data processing of information.Data processing of information is generated note and by described short by pmis Letter is sent to the step 208 of SMS platform.SMS platform by short message sending to the step 209 of user mobile phone.In step 205, number Can be revised as keeping the length of maturity by loan balance according to agreement for the repayment of money according to processing means 003, or keep panel, it is possible to It is revised as keeping the length of maturity by loan balance with the temporary requirements of client, or keeps panel.By said method, bank Each set time inquires about in the account of user whether surplus automatically, when remaining sum meet refund require time, bank's auto deduction. It is achieved thereby that the purpose that bank refunds the most automatically.
Referring to Fig. 5, the method that bank is borrowed money by user at any time comprises the steps: that user proposes to terminal 006 Borrow money and ask, and input the step 301 of user profile (including password) according to the prompting of terminal 006.User profile and loaning bill please Seek the step 302 being sent to pmis by external network 005.User profile that pmis transmits according to external network 005 and loaning bill Request, it is judged that whether user handles the step 303 opening interface.If user does not handles opens interface, then pmis handles to open and connects Step 303 is entered after Kou;If user has handled and opened interface, then it is directly entered step 303.The use that terminal 006 is transmitted by pmis Family information and the request of borrowing money send the step 304 of data storage device 002 to.Data storage device 002 record is relevant opens association View and user profile also will open agreement and send to the step 305 of pmis.Pmis will open protocol generation note and is sent to short The step 306 of letter platform;SMS platform by short message sending to the step 307 of user mobile phone.Described terminal 006 is phone, network One of.The highest amount asked of borrowing money is 500,000 yuan.By said method, user any time, passed through in one day 24 hours The means such as phone, network, handle loaning bill to bank at any time, need not arrive sales counter and handle, the most fast, the most time saving and energy saving.
It should be noted that self-service loaning bill highest amount must not exceed the accrediting amount, the most self-service loaning bill highest amount with award The ratio of letter amount is less than 100%.The shortest 1 month of the time limit (containing) of self-service loaning bill, the longest 5 years and must not exceed the accrediting amount Expiration Date be in fixed interest rate during loan can not open self-service or function of automatically refunding, opened self-service payment beforehand Or the business of automatic payment beforehand function, need to close this function and can apply for that the mode of repayment of the self-service loaning bill of fixed interest rate is Volume is refunded, single-candidate capital is refunded or the repayment of principal that expires monthly is paid interest.Length of maturity loan more than 1 year, it is impossible to take to expire also This mode of repayment monthly paid interest.
Referring to Fig. 6, user carries out the method for self-aid reimbursement at any time and comprises the steps: that user is to terminal 006 bank Propose refund request, and input the step 401 of user profile (including password) according to the prompting of terminal 006.User profile and also Money request is sent to the step 402 of pmis by external network 005.The user profile that pmis transmits according to external network 005 and The request of refund carries out the step 403 of tentative calculation.If the refund amount of money is less than minimum amount to pay, tentative calculation failure, enter step 404;If examination Loaning bill capital is remained less than minimum odd corpus, tentative calculation failure, entrance step 404 after calculation.When above-mentioned two condition is all false Time, tentative calculation success, enter step 405.The step 404 that pmis is reported an error to terminal 006 by external network 005.Pmis will refund Key element is sent to terminal 006 by external network 005, waits the step 405 that user confirms.User confirms;Terminal 006 will confirm that Information passes to the step 406 of pmis by external network 005.Relevant user information and the self-aid reimbursement of storage are asked by pmis Send the step 407 of data processing equipment 003 to.Data processing equipment 003 processes the step 408 of transaction content.Data process Loan balance is revised as keeping the length of maturity by device 003, or keeps the step 409 of panel.Data handling system is by number The step 410 of pmis is sent to according to process information;Data processing of information is sent to the step of data storage device 002 by pmis 411;Data storage device 002 records the step 412 of data processing of information.Transaction Information is passed by pmis by external network 005 Give terminal 006, the step 413 of feedback user.Data processing of information is generated note and by described short message sending to short by pmis The step 414 of letter platform.SMS platform by short message sending to the step 415 of user mobile phone.In step 409, data processing equipment Loan balance can be revised as keeping the length of maturity according to agreement for the repayment of money by 003, or keeps panel, it is also possible to answers client's Loan balance is revised as keeping the length of maturity by temporary requirements, or keeps panel.
Borrowed money accounts and self-aid reimbursement account, automatic refund account can be same accounts.User manages money for convenience Gold, can separately set an account as account of automatically refunding.When user has surplus capital, surplus capital is stored in refund automatically Account.Whether the number of automatic tentative calculation Pmis every day once this account fund is enough in refund.The user that is so more convenient for manages money The purposes of gold, is unlikely the fund that user is not intended to refund and automatically refunds.
User's mode of repayment both can use at any time mode of repayment automatically, it would however also be possible to employ the most automatically repays number and meets Not fixed number fund that condition requires and monthly deduct fixing fund two ways by agreement and combine.When using the latter, run into Withhold day, after user should give back fixing fund, when surplus capital number is eligible require time, can the most automatically refund.
When user borrows money and closes, this automatic, self-aid reimbursement function i.e. self termination of borrowing money.
The user that the present invention mentions both can be bank client, can also be bank internal work personnel and other generations simultaneously Do personnel.
In addition, it is necessary to explanation, in specific implementation process, the present invention should observe People's Bank of China about borrowing Money, the instant regulation of refund.
Certainly, above description merely relates to certain specific embodiments of the invention, any those skilled in the art Replacement or improvement that spirit based on the present invention is done all should be protection scope of the present invention and contained, protection scope of the present invention Should be as the criterion with claims.

Claims (14)

1. the method that bank data processes, it includes tentative calculation device, data processing equipment, data storage device, tentative calculation dress Putting and be connected with data processing equipment, data storage device, described data storage device storage has data base, presets in data base First data base and the second data base, tentative calculation device is sequentially connected with external network, terminal and connects, it is characterised in that include step:
1) user proposes the second fixed data process request to terminal, and enters the second of data base according to the prompting input of terminal Fixed data information, the second fixed data information includes: user profile and the second fixed data process request;
Described second fixed data processes request and the second fixed data information is sent to tentative calculation device by external network;
The the second fixed data information entering data base that tentative calculation device transmits according to external network, it is judged that whether user handles out Connect mouth, if the most open-minded, then return;If the most open-minded, then handle and open interface and return;
The the second fixed data information entering data base that external network is transmitted by tentative calculation device sends data storage device to;
Data-base recording in data storage device is relevant opens agreement and user profile;
2) tentative calculation device carries out the first fixed data tentative calculation by fixed frequency to data base, it is judged that whether the first fixed data meets Condition,
If: the first fixed data is less than the first data base, and this tentative calculation terminates, and tentative calculation device waits that the next time period is to data Storehouse is fixed data tentative calculation;
If: after tentative calculation, the first fixed data deducts the value of the first data base less than the second data base, and this tentative calculation terminates, and tentative calculation fills Put and wait that the next time period is fixed data tentative calculation to data base;
When above-mentioned two condition is all false, enter step 3);
3) tentative calculation device sends the first fixed data information entering data base of storage to data and processes dress, the first fixed number It is believed that breath includes: user profile and the first fixed data process request;
4) data processing equipment carries out the first fixed data process.
The method that bank data the most according to claim 1 processes, it is characterised in that: step 2) farther include following step Rapid:
21) user proposes the first fixed data to terminal and processes request, and enters the of data base according to the prompting input of terminal One fixed data information;
22) described first fixed data processes request and the first fixed data information is sent to tentative calculation device by external network;
23) the first fixed data information entering data base that tentative calculation device transmits according to external network carries out tentative calculation, it is judged that the One fixed data processes whether meet condition:
If: the first fixed data information is less than the first data base, and tentative calculation device is reported an error to terminal by external network:
" invalid data ", this tentative calculation terminates, and user's the first fixed data processes and asks unsuccessfully;
If: after tentative calculation, the first fixed data deducts the value of the first data base less than the second data base, and tentative calculation device passes through extranets Network reports an error to terminal: " after the first fixed data processes, the first fixed data deducts the value of the first data base less than the second data Storehouse ", this tentative calculation terminates, and user's the first fixed data processes and asks unsuccessfully;
When above-mentioned two condition is all false, the first fixed data treatment conditions are set up, and enter step 24);
24) relevant informations such as the first fixed data are sent to terminal by external network by tentative calculation device, wait that user confirms;
25) terminal will confirm that information passes to tentative calculation device by external network.
The method that bank data the most according to claim 1 and 2 processes, it is characterised in that also comprise the following steps:
5) data processing equipment sends data processing of information to data storage device;
6) data storage device record data processing of information.
The method that bank data the most according to claim 1 and 2 processes, it is characterised in that also comprise the following steps:
7) data processing of information is generated note by tentative calculation device, and by described short message sending to SMS platform;
8) SMS platform by described short message sending to user mobile phone.
The method that bank data the most according to claim 4 processes, it is characterised in that further comprise the steps of:
9) tentative calculation device sends data processing of information to terminal, feedback user by external network.
The method that bank data the most according to claim 1 processes, it is characterised in that: step 4) in, data processing equipment Carrying out the first fixed data process, data value is the fixed value meeting tentative calculation condition.
The method that bank data the most according to claim 1 processes, it is characterised in that: step 4) in, data processing equipment Carrying out the first fixed data process, data value is the maximum meeting tentative calculation condition.
The method that bank data the most according to claim 1 processes, it is characterised in that: step 2) described fixed frequency is 24 Hour.
The method that bank data the most according to claim 1 processes, it is characterised in that: step 2) in solid containing multinomial second Given data, first highest-ranking second fixed data of operator precedence.
The method that bank data the most according to claim 1 processes, it is characterised in that: described first data base is minimum Amount to pay, described second data base is minimum odd corpus, and the value that described first fixed data deducts the first data base is residue Loaning bill capital.
The method that 11. bank datas according to claim 1 process, it is characterised in that:
Described tentative calculation device is PMIS pmis, and described first fixed data is the refund amount of money, and described first is solid Given data tentative calculation is refund tentative calculation;Described second fixed data is borrowing balance, and described second fixed data tentative calculation is examination of borrowing money Calculate.
The method that 12. bank datas according to claim 1 process, it is characterised in that: described data base is account.
The method that 13. bank datas according to claim 1 process, it is characterised in that: described terminal is phone or ten thousand dimensions Network.
The method that 14. bank datas according to claim 9 process, it is characterised in that: described priority level is solid by second Given data produces time order and function arrangement, and the second fixed data that priority level is the highest is the loaning bill that exceeds the time limit, and what priority level was second highest is Debit date loaning bill the earliest.
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CN104599182A (en) * 2015-03-04 2015-05-06 中国农业银行股份有限公司 Returning/dividend trail and posting method and device
CN107025236B (en) * 2016-02-01 2020-04-07 阿里巴巴集团控股有限公司 Data processing method between clearing systems and data clearing system
CN111178867A (en) * 2020-01-02 2020-05-19 中国建设银行股份有限公司 Data splitting method and data splitting device

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