CN101251916A - Method and system for enterprise customer to perform financing settlement and management - Google Patents
Method and system for enterprise customer to perform financing settlement and management Download PDFInfo
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- CN101251916A CN101251916A CNA2008101033844A CN200810103384A CN101251916A CN 101251916 A CN101251916 A CN 101251916A CN A2008101033844 A CNA2008101033844 A CN A2008101033844A CN 200810103384 A CN200810103384 A CN 200810103384A CN 101251916 A CN101251916 A CN 101251916A
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Abstract
The invention discloses a system and a method for enterprise customers to make fund settlement and management. To solve the problem that in the prior art, a plurality of bank cards are mutually matched to make finance operation aiming at the multi-settlement account of the enterprise, a method for enterprise customers to make fund balance and management is provided. The invention is characterized in that: a multi-to-multi corresponding relation is established between a bank card number and a settlement account number of the enterprise, a file of the corresponding relation between the bank card number and the settlement account number is established; when the customer initiates a transaction request through the bank card, the information of at least one settlement account which has a corresponding relation with the bank card is returned to the customer for the customer to select a settlement account to be operated. The system and the method have the advantages that: the efficiency of financial work of the enterprise can be improved through the multi-to-multi matching mode between the bank card and the settlement account of the enterprise; the setting of the authority specifies the function range of financial personnel, which assures the safety of the account of the enterprise.
Description
Technical field
The present invention relates to the finance data processing technology field, is the system and method that a kind of corporate client carries out capital settlement and management specifically.
Background technology
At present, bank is fewer for services channels and service aid that corporate client provides.On the one hand, bank needs to carry out the client identity authentication according to relevant physical medium or voucher, on the other hand, generally all there are a plurality of accounts in enterprise, and business account does not have corresponding physical medium (for example bank card), is not easy to remember and carry, because generally all there are a plurality of settlement accounts and several financial staff in enterprise in the actual life, and financial staff's the function division of labor is different, cause existing services channels of bank and instrument well seating surface to the function of corporate client.
Enterprise's handling bank business has two kinds of more common ways: method 1, and enterprise handles to bank outlets' sales counter with relevant proof data; Method 2, enterprise uses e-banks such as the Web bank service that bank provided.Web bank is owing to be subjected to such environmental effects such as various securities bigger, and use cost is higher, so the Web bank of enterprise is not widely used.In this case, the corporate client transacting business mostly can only use bank outlets' sales counter and handle, cause enterprise's handling bank business very inconvenient, existing services channels of bank and instrument have been difficult to satisfy the actual needs of corporate client, especially can't satisfy the needs that medium and small sized enterprises' fund is settled accounts and managed flexibly.
Chinese invention patent, publication number is CN1397916A, a kind of bank card treating apparatus and method of a card dual accounts, a kind of technical scheme of offering Renminbi and two accounts of foreign currency in a card is disclosed, when consumption Renminbi, from the Renminbi account, draw account, when the consumption foreign currency, from the foreign currency account, draw account.The account of drawing that this scheme can only solve between two Currency Types of individual is managed, and can not solve the problems of the many cards of the needed many accounts correspondence of enterprise customer.
Chinese invention patent, publication number is CN1787020A, bank card system and disposal route thereof are blocked in an a kind of family more, discloses the technical scheme that an account correspondence is blocked consumption more, set by antithetical phrase account consumption amount, the fund of all subcards is all settled accounts in the special family in company.But because generally there are a lot of settlement accounts in large enterprises, this invention can't be applied in the actual environment of large enterprises, so the versatility of card is not very high for enterprise, has brought inconvenience to enterprise's clearing or other finance activities.
Above all technical schemes are herein incorporated in the introducing mode at this.
Summary of the invention
The object of the present invention is to provide a kind of corporate client to carry out the system of capital settlement and management, in order to solve the problem of corporate client use bank card inconvenience in the prior art, with corresponding many bank cards of a plurality of accounts of enterprise, can control that a plurality of financial staff operate different settlement accounts in the enterprise.
The present invention also aims to provide a kind of corporate client to carry out the method for capital settlement and management, corporate client has a plurality of settlement accounts in the prior art in order to solve, and different financial staff has the problem of different operating rights to different settlement accounts, and can't only be that a financial staff is equipped with bank card a plurality of enterprises settlement accounts is carried out the problem that financial business is handled.
To achieve these goals, the embodiment of the invention provides a kind of corporate client to carry out the system of capital settlement and management, comprise system host, outside banking network and transaction terminal, bank card transmits information by described transaction terminal and outside banking network to described system host; Described system host comprises data storage device, data processing equipment and plurality of interfaces, and described data processing equipment is connected with described outside banking network by described interface; It is characterized in that, described data storage device comprises bank's card number and settlement accounts corresponding relation file, this document stores the corresponding relation of bank's card number and settlement accounts number, described data processing equipment comprises the account download unit, described account download unit is according to client's transaction request, retrieve described bank card number and settlement accounts corresponding relation file, transmit the information of at least one settlement accounts corresponding to described transaction terminal with described bank card number, for the client by described transaction terminal selection.
Carry out a further aspect of capital settlement and management system according to a kind of corporate client of the present invention, store in described bank card number and the settlement accounts corresponding relation file, the corresponding relation of bank's card number and at least one settlement accounts number, operating right to this settlement accounts, the operation amount, the state of this record.
Carry out another further aspect of capital settlement and management system according to a kind of corporate client of the present invention, at least one described bank card number is corresponding to a settlement accounts number.
Carry out another further aspect of capital settlement and management system according to a kind of corporate client of the present invention, described data storage device also comprises a plurality of bank card information files, a plurality of settlement accounts message files.
Carry out another further aspect of capital settlement and management system according to a kind of corporate client of the present invention, the information of described settlement accounts comprises settlement accounts number.
Carry out another further aspect of capital settlement and management system according to a kind of corporate client of the present invention, obtain settlement accounts number according to described bank card number and settlement accounts corresponding relation file, described account download unit is with described settlement accounts number coupling settlement accounts file, the described settlement accounts information of returning to described transaction terminal comprises settlement accounts number, the account data, the fund information of the account.
Carry out another further aspect of capital settlement and management system according to a kind of corporate client of the present invention, described data processing equipment also comprises, main control unit, interface recognition unit, checking processing unit, Service Processing Unit; Described main control unit is connected with Service Processing Unit with interface recognition unit, checking processing unit, account download unit respectively, controls the operation of other unit; Described interface recognition unit is used to discern the type of transaction that transaction terminal sends over; Described checking processing unit is used to verify client identity, controls the operating right of different clients to account; Described Service Processing Unit is used for the daily processing of financial business and safeguards bank card information file, settlement accounts message file and bank's card number and the settlement accounts corresponding relation file of described data storage device.
To achieve these goals, the embodiment of the invention also provides a kind of corporate client to carry out the method for capital settlement and management, it is characterized in that comprising, between bank's card number of enterprise and settlement accounts number, set up corresponding relation, set up bank's card number and settlement accounts corresponding relation file; When the client initiates transaction request by bank card, will return to the client with the information that this bank's card number has at least one settlement accounts of corresponding relation, for the settlement accounts of customer selecting operation.
Carry out capital settlement and further aspect of management method according to a kind of corporate client of the present invention, the information stores of a plurality of described bank cards is in a plurality of bank card information files, and the information stores of a plurality of described settlement accounts is in a plurality of settlement accounts files.
Carry out capital settlement and another further aspect of management method according to a kind of corporate client of the present invention, the information of the described settlement accounts that returns comprises settlement accounts number.
Carry out capital settlement and another further aspect of management method according to a kind of corporate client of the present invention, return in client's the step in information settlement accounts, according to settlement accounts number coupling settlement accounts file, the settlement accounts information of returning comprises settlement accounts number, account data, account fund information.
Carry out capital settlement and another further aspect of management method according to a kind of corporate client of the present invention, described in enterprise bank's card number and settlement accounts number between set up corresponding relation and comprise, set up the corresponding relation of bank's card number and at least one settlement accounts number, operating right to this settlement accounts, the operation amount, the state of this record.
Carry out capital settlement and another further aspect of management method according to a kind of corporate client of the present invention, at least one described bank card number is corresponding to a settlement accounts number.
Carry out capital settlement and another further aspect of management method according to a kind of corporate client of the present invention, after the client initiates transaction request by described bank card, also has the interface identification step, the type of transaction that the identification client initiates, if type of transaction is a particular value, then finish.
Carry out capital settlement and another further aspect of management method according to a kind of corporate client of the present invention, described type of transaction is bank's card number and transaction code.
Carry out capital settlement and another further aspect of management method according to a kind of corporate client of the present invention, after the client initiates transaction request by described bank card, the checking client identity, whether legal to determine client's connecting system, and determine this client's operating right and operation limit, the client operates described settlement accounts according to described operating right and operation limit.
Carry out capital settlement and another further aspect of management method according to a kind of corporate client of the present invention, also comprise and safeguard step, revise the operating right of bank's card number and settlement accounts corresponding relation file, the operation limit.
The beneficial effect of the embodiment of the invention is, large enterprise can arrange work flexibly according to interior employee's function and settlement accounts situation, improve business handling efficient, rely on bank card and password, business finance personnel carry out capital settlement and management easily, improve bank service efficient, by methods such as the settlement accounts of specifying and change group customer card is hung down, operating right, operation amounts, satisfied the actual needs of all kinds of business units account management well, increased customer satisfaction degree.Transfer accounts and consume by bank card, can help enterprise to reduce cash flow, avoid paying mistake, reduce cash risk and operational risk.
Description of drawings
Accompanying drawing described herein is used to provide further understanding of the present invention, constitutes the application's a part, does not constitute limitation of the invention.In the accompanying drawings:
Fig. 1 is the system construction drawing that a kind of corporate client of the present invention carries out capital settlement and management;
Fig. 2 is the synoptic diagram that concerns of bank card file of the present invention and settlement accounts file;
Fig. 3 is a data processing equipment structural representation of the present invention;
Fig. 4 is the on-line transaction process flow figure that corporate client of the present invention carries out capital settlement and management;
Fig. 5 is a changing process method process flow diagram in bank of the present invention card number and the settlement accounts corresponding relation file.
Embodiment
For making the purpose, technical solutions and advantages of the present invention clearer,, the present invention is described in further details below in conjunction with embodiment and accompanying drawing.At this, exemplary embodiment of the present invention and explanation thereof are used to explain the present invention, but not as a limitation of the invention.
A kind of corporate client provided by the invention carries out the system of capital settlement and management, bank is corporate client issuing bank card, and mode by signing an agreement, can be suspended under at least one the bank card under a plurality of settlement accounts with same corporate client, between card and settlement accounts, set up the incidence relation of multi-to-multi like this.
In the actual life, generally all there are a plurality of settlement accounts and several financial staff in enterprise, and the division of labor of financial staff's function is different.In the present invention, a corporate client can have many bank cards (each financial staff has the bank card of oneself) and a plurality of settlement accounts, can hang a plurality of settlement accounts below every card, each settlement accounts also can below be suspended under many bank cards, simultaneously, other concern key element also to comprise some in the corresponding relation of bank's card number and settlement accounts number, as operating right (as authorities such as inquiry, money transactions) and the operation amount etc. of bank card, to satisfy financial different needs of dividing the work to the clearing number of the account.The corresponding relation of bank's card number and settlement accounts number, bank card can change according to client's actual needs the operating right and the operation amount of number of the account, and are stored in bank's card number and the settlement accounts corresponding relation file.The client can operate down prolong knot by bank card and do accounts the family initiating transaction request, as carry out cash-access, transaction such as the receipt and payment of transferring accounts, inquiry into balance, sinking funds bonds dealing, business processing is very convenient.
The invention provides the system that a kind of corporate client carries out capital settlement and management, as shown in Figure 1, comprise system host 1, outside banking network 5, transaction terminal 6, bank card 7, wherein said system host 1 is connected with described outside banking network 5, described outside banking network 5 is connected with described transaction terminal 6, and described bank card 7 inserts described transaction terminal 6.
Wherein said bank card 7 adopts Unionpay's standard fabrication, can be magnetic stripe card, also can be chip card.Bank card 7 is used for the client identity authentication check, and the client concludes the business to the settlement accounts of hanging down by this card and operates and management, such as function operations such as depositing and withdrawing, transfer accounts by bank card 7.
Described transaction terminal 6 sends transaction request to system host 1 by outside banking network 5, and wherein said transaction terminal 6 can be the POS machine, Mobile banking, telephone bank, counter terminal and other bank brushing card specialized equipment.Transaction terminal 6 is used to discern bank card 7, and the transaction request that receives client's input send system host 1 to handle, and described system host 1 result feedback is represented to the client.
Described system host 1 further comprises, data storage device 2, data processing equipment 3, plurality of interfaces 4.Described data storage device 2 is connected with described data processing equipment 3, and described data processing equipment 3 is connected with described plurality of interfaces 4, and described plurality of interfaces 4 is connected with described outside banking network 5.
Described data storage device 2 is used to store bank card data, enterprise's settlement accounts data and all kinds of transaction data, for example at least one bank card information file, at least one settlement accounts file, bank's card number and settlement accounts corresponding relation file.Be illustrated in figure 2 as the synoptic diagram of the corresponding relation of bank's card number and settlement accounts number, the corresponding relation of bank's card number and settlement accounts number is the relation of multi-to-multi, promptly for the card and the settlement accounts of same enterprise, can hang a plurality of settlement accounts under the card, a settlement accounts also can hang under many cards.For example, bank card 1 is corresponding with settlement accounts 1, and bank card 1 is corresponding with settlement accounts N, and bank card M is corresponding with settlement accounts N, and settlement accounts 1 is also corresponding with bank card M.By in bank's card number and the above-mentioned annexation of settlement accounts corresponding relation document definition, determine the many-to-many relationship between bank card and account, promptly, manipulable account has settlement accounts 1 and settlement accounts N when using bank card 1 to carry out the financial business operation, uses bank card M also can carry out the financial business operation to settlement accounts 1 simultaneously.When bank card uses in transaction, can needing obtain enterprise's clearing number of the account of true sale according to card number and enterprise's clearing number of the account corresponding relation.Bank card is opened after the card, corporate client can also be according to the actual needs of oneself, apply for the change of settlement accounts and operating right once more to bank, and the data of bank card and settlement accounts are stored in respectively in bank card file and the settlement accounts file, the binding relationship of bank's card number and settlement accounts number is stored in bank's card number and the settlement accounts corresponding relation file, and the operating right of every card to different settlement accounts is recorded in this corresponding relation file.
Be illustrated in figure 3 as data processing equipment structural representation of the present invention, described data processing equipment 3 is used to receive and discern client's transaction request, in data storage device, select corresponding bank card file and settlement accounts file, and bank's card number and settlement accounts corresponding relation file, finish client identity checking, and transaction is handled and fed back.Described data processing equipment 3 further comprises main control unit 301, interface recognition unit 302, checking processing unit 303 and Service Processing Unit 304, account download unit 305.
Described main control unit 301 is used to call the processing that transaction data is finished in other unit, it is 302 reception transaction of calling interface recognition unit and identification type of transaction at first, described type of transaction for example is bank's card number and transaction code, wherein transaction code comprises and withdrawing the money, remittance, deposit, service code such as transfer accounts, judge that according to type of transaction current transaction is the transaction of ordinary bank's card transaction or the corresponding many accounts of the many cards of the present invention, if type of transaction is the transaction of the corresponding many accounts of the many cards of the present invention, then start bank card business dealing of the present invention and handle, otherwise finish deterministic process of the present invention then carry out other transaction processing; Call checking processing unit 303 again and carry out transaction verification, comprise that carrying out transaction data inspection, client password inspection, operating right etc. checks authentication processing; After handling, call account download unit 305, the operable accounts information of current bank card is taken out from data storage device, need to select the account of operation for the user by checking; Call Service Processing Unit 304 then and carry out business processing, result can be fed back to transaction terminal at last.
Described interface recognition unit 302 is used to receive transaction data, the identification type of transaction, and transaction data and interface identifying information passed to main control unit 301, comprise card number, password, transaction code, transaction place, transaction channel (as internet channel, ATM, POS, sales counter and other specialized equipments) in the transaction data at least.
Described checking processing unit 303 is used for processing is verified in transaction, comprises carrying out transaction data validity checking, client password inspection, account operation scope check etc., to guarantee the security of transaction.
Described account download unit 305, after the legitimacy and operating right according to described checking processing unit 303 affirmation users, to at least one accounts information that transaction terminal transmits and current bank card number mates, supply the user to select the account that to operate, the user may be different for the operating right of each account, the operation such as for example transfer accounts, deposit, withdraw the money of described operating right.Same according to the corresponding relation in bank's card number and the settlement accounts corresponding relation file, different bank cards can corresponding same account, to realize the purpose of an account of multi-bank card correspondence.Also has recording status information in described bank card number and the settlement accounts corresponding relation file, i.e. the corresponding relation of bank's card number and settlement accounts number record whether effectively.
Described Service Processing Unit 304 is used for according to bank card business dealing request to be handled, and comprising:
The card of opening of bank card is handled, and as when opening card, the client can appointed bank block contents such as pairing settlement accounts and operating right;
The bank card data change is handled, comprises the bank card file in the bank card data memory storage, and the settlement accounts file, bank's card number and settlement accounts corresponding relation file and bank card thereof are handled content searches such as account operation permission, modification and deletion.
The bank card business dealing processing of request, transaction request according to the bank card initiation, for example deposit and withdraw, transfer accounts, transaction such as inquiry into balance, sinking funds bonds dealing, and, transaction is handled according to the state (whether current binding effective) that writes down in bank's card number and the settlement accounts corresponding relation file.
Based on said system, a kind of corporate client provided by the invention carries out the method for capital settlement and management, its technical characterstic comprises the steps: by set up the corresponding relation of one group of multi-to-multi between bank card and settlement accounts, every bank card can be operated a plurality of settlement accounts, and each settlement accounts can be manipulated by many bank cards again; Bank card has different operating rights and operation amount to its settlement accounts of hanging down, can satisfy the needs of the different division of labor of the various financial role of enterprise like this; Described bank card adopts Unionpay's standard fabrication, so it can conclude the business on multiple channels such as site sales counter, ATM, POS, self-aided terminal, Web bank, telephone bank, inter-bank, so use very flexible; The client initiates transaction request with described bank card and password, after the password authentification success, the settlement accounts that this card is hung down can both be presented on client's the transaction terminal by outside banking network, make things convenient for the further feature operation of client, simultaneously, because polytype settlement accounts is hung down in this bank card support, so its function of also having multiple settlement accounts and being had, as carry out cash-access, transaction such as the receipt and payment of transferring accounts, inquiry into balance, sinking funds bonds dealing.
A kind of corporate client carries out the method for capital settlement and management, comprises the disposal route of on-line transaction and the disposal route of Account Changes management.
Be illustrated in figure 4 as the on-line transaction process flow figure that corporate client of the present invention carries out capital settlement and management, comprise that specifically step is as follows:
Step 400: the client initiates transaction request by transaction terminal, and bank card information is provided, the input bank card password;
Step 401: main frame receives the transaction request of transaction terminal by outside banking network input;
Step 402: the host interface recognition unit is discerned the client trading request according to the Transaction Information in the transaction request data, comprises contents such as card number, transaction code, transaction place, transaction channel;
Step 403: the checking processing unit of data processing equipment is according to the data in the bank card file corresponding the Transaction Information matched data memory storage that obtains from the interface recognition unit, and the card password of reserving during with the password of client's input and client Kai Ka compares checking;
Step 404: if the password authentification failure enters step 405, otherwise enters step 406;
Step 405: the prompt cipher mistake, Fail Transaction, processing finishes;
Step 406: transaction terminal is given in all settlement accounts information back passes that the account download unit of data processing equipment is hung this bank card down, for example this bank's card number correspondence 3 settlement accounts, then the information with these three settlement accounts sends described transaction terminal to, allow customer selecting use which settlement accounts to carry out the financial business operation, the information of described settlement accounts comprises settlement accounts number, by settlement accounts number and settlement accounts file coupling, can also obtain the more detailed information of this settlement accounts, for example comprise the account data, the fund information of this settlement accounts etc.
Step 407: the settlement accounts that the client will conclude the business by the transaction terminal selection, and input transaction data, as dealing money, the information such as the other side's number of the account of transferring accounts;
Step 408: main frame receives the transaction data of transaction terminal by outside banking network input;
Step 409: host interface recognition unit identification client trading request (withdraw the money, query the balance, remittance etc.), the data with client's input comprise card number, the clearing account number, type of transaction, dealing money is given the checking processing unit and is handled;
Step 410: the checking processing unit of data processing equipment is according to the bank's card number in the Transaction Information, in memory storage, mate in bank's card number and the settlement accounts corresponding relation file, the bank card business dealing data are carried out validity checking, comprise whether the trading account of checking customer selecting is consistent with the settlement accounts of main frame registration, whether the recording status at this time pending accounts family is normal, and judge whether this bank card has corresponding operating right to settlement accounts, whether the operation amount transfinites;
Step 411: judge whether success of validity checking,, otherwise carry out step 413 if check failure then enter step 412;
Step 412: return prompting transaction data validity checking error reason to transaction terminal, Fail Transaction, processing finishes;
Step 413: the Service Processing Unit of data processing equipment carries out transaction business to the settlement accounts of customer selecting and handles processing such as (as) withdrawing the money, transfer accounts, query the balance, and returns result by outside banking network to transaction terminal.
Based on said system, be illustrated in figure 5 as bank of the present invention card number and settlement accounts corresponding relation document change process flow figure, step is as follows:
Step 500: the change of registration request that the client sends bank's card number and settlement accounts corresponding relation file by transaction terminal (bank counter), changed content comprise contents such as clearing account number, operating right, operation limits;
Step 501: outside banking network transmits the change that described transaction terminal sends asks to system host;
Step 502: the change of registration transaction request that data processing equipment is initiated by interface recognition unit identification client, whether the source of being judged transmission client change of registration request by the checking processing unit is legal, for illegal transaction source (for example change request of initiating by illegal outside banking network), the refusal transaction, distort bank's card number and settlement accounts corresponding relation file arbitrarily to limit, guarantee clients fund safety;
Step 503: the Service Processing Unit in the data processing equipment extracts respective record bank's card number and the settlement accounts corresponding relation file according to transaction request from data storage device, and data content is recorded in these notes handled (as operations such as newly-increased, modification, deletions), store then;
Step 504: system host returns described data change result and data change information is given transaction terminal.
The beneficial effect of the embodiment of the invention is, matching way by multi-to-multi between enterprise bank card and the settlement accounts can improve the efficient of business finance work, and because the setting of authority, stipulate financial staff's term of reference, guarantee the safety of enterprise's account.
Above-described embodiment; purpose of the present invention, technical scheme and beneficial effect are further described; institute is understood that; the above only is the specific embodiment of the present invention; and be not intended to limit the scope of the invention; within the spirit and principles in the present invention all, any modification of being made, be equal to replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (17)
1. the system that corporate client carries out capital settlement and management comprises system host, outside banking network and transaction terminal, and bank card transmits information by described transaction terminal and outside banking network to described system host; Described system host comprises data storage device, data processing equipment and plurality of interfaces, and described data processing equipment is connected with described outside banking network by described interface; It is characterized in that, described data storage device comprises bank's card number and settlement accounts corresponding relation file, this document stores the corresponding relation of bank's card number and settlement accounts number, described data processing equipment comprises the account download unit, described account download unit is according to client's transaction request, retrieve described bank card number and settlement accounts corresponding relation file, transmit the information of at least one settlement accounts corresponding to described transaction terminal with described bank card number, for the client by described transaction terminal selection.
2. a kind of corporate client according to claim 1 carries out the system of capital settlement and management, it is characterized in that, store in described bank card number and the settlement accounts corresponding relation file, the corresponding relation of bank's card number and at least one settlement accounts number, operating right to this settlement accounts, the operation amount, the state of this record.
3. a kind of corporate client according to claim 2 carries out the system of capital settlement and management, it is characterized in that, at least one described bank card number is corresponding to a settlement accounts number.
4. a kind of corporate client according to claim 1 carries out the system of capital settlement and management, it is characterized in that, described data storage device also comprises a plurality of bank card information files, a plurality of settlement accounts message files.
5. a kind of corporate client according to claim 1 carries out the system of capital settlement and management, it is characterized in that, the information of described settlement accounts comprises settlement accounts number.
6. a kind of corporate client according to claim 4 carries out the system of capital settlement and management, it is characterized in that, obtain settlement accounts number according to described bank card number and settlement accounts corresponding relation file, described account download unit is with described settlement accounts number coupling settlement accounts file, the described settlement accounts information of returning to described transaction terminal comprises settlement accounts number, the account data, the fund information of the account.
7. a kind of corporate client according to claim 1 carries out the system of capital settlement and management, it is characterized in that, described data processing equipment also comprises, main control unit, interface recognition unit, checking processing unit, Service Processing Unit; Described main control unit is connected with Service Processing Unit with interface recognition unit, checking processing unit, account download unit respectively, controls the operation of other unit; Described interface recognition unit is used to discern the type of transaction that transaction terminal sends over; Described checking processing unit is used to verify client identity, controls the operating right of different clients to account; Described Service Processing Unit is used for the daily processing of financial business and safeguards bank card information file, settlement accounts message file and bank's card number and the settlement accounts corresponding relation file of described data storage device.
8. the method that corporate client carries out capital settlement and management is characterized in that comprising,
Between bank's card number of enterprise and settlement accounts number, set up corresponding relation, set up bank's card number and settlement accounts corresponding relation file; When the client initiates transaction request by bank card, will return to the client with the information that this bank's card number has at least one settlement accounts of corresponding relation, for the settlement accounts of customer selecting operation.
9. a kind of corporate client according to claim 8 carries out the method for capital settlement and management, it is characterized in that, the information stores of a plurality of described bank cards is in a plurality of bank card information files, and the information stores of a plurality of described settlement accounts is in a plurality of settlement accounts files.
10. a kind of corporate client according to claim 9 carries out the method for capital settlement and management, it is characterized in that, the information of the described settlement accounts that returns comprises settlement accounts number.
11. a kind of corporate client according to claim 9 carries out the method for capital settlement and management, it is characterized in that, return in client's the step in information settlement accounts, according to settlement accounts number coupling settlement accounts file, the settlement accounts information of returning comprises settlement accounts number, account data, account fund information.
12. a kind of corporate client according to claim 8 carries out the method for capital settlement and management, it is characterized in that, described in enterprise bank's card number and settlement accounts number between set up corresponding relation and comprise, set up the corresponding relation of bank's card number and at least one settlement accounts number, operating right to this settlement accounts, the operation amount, the state of this record.
13. a kind of corporate client according to claim 12 carries out the method for capital settlement and management, it is characterized in that, at least one described bank card number is corresponding to a settlement accounts number.
14. the method for carrying out capital settlement and management according to claim 12 or 13 described a kind of corporate clients, it is characterized in that, after the client initiates transaction request by described bank card, also has the interface identification step, the type of transaction that the identification client initiates, if type of transaction is a particular value, then finish.
15. a kind of corporate client according to claim 14 carries out the method for capital settlement and management, it is characterized in that, described type of transaction is bank's card number and transaction code.
16. the method for carrying out capital settlement and management according to claim 12 or 13 described a kind of corporate clients, it is characterized in that, after the client initiates transaction request by described bank card, the checking client identity, whether legal to determine client's connecting system, and determine this client's operating right and operation limit, the client operates described settlement accounts according to described operating right and operation limit.
17. a kind of corporate client according to claim 8 carries out the method for capital settlement and management, it is characterized in that, also comprises and safeguards step, revises the operating right of bank's card number and settlement accounts corresponding relation file, the operation limit.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CNA2008101033844A CN101251916A (en) | 2008-04-03 | 2008-04-03 | Method and system for enterprise customer to perform financing settlement and management |
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| Application Number | Priority Date | Filing Date | Title |
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| CNA2008101033844A CN101251916A (en) | 2008-04-03 | 2008-04-03 | Method and system for enterprise customer to perform financing settlement and management |
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| CN101251916A true CN101251916A (en) | 2008-08-27 |
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| CNA2008101033844A Pending CN101251916A (en) | 2008-04-03 | 2008-04-03 | Method and system for enterprise customer to perform financing settlement and management |
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| CN102663644A (en) * | 2012-03-22 | 2012-09-12 | 成都三泰电子实业股份有限公司 | SMS dynamic password reconciliation system |
| CN103020823A (en) * | 2012-12-10 | 2013-04-03 | 中国农业银行股份有限公司四川省分行 | Bank card payment system based on market trace platform and payment settlement method |
| CN105099983A (en) * | 2014-04-16 | 2015-11-25 | 阿里巴巴集团控股有限公司 | Authorization method, authority setting method and devices |
| CN105991611A (en) * | 2015-03-02 | 2016-10-05 | 阿里巴巴集团控股有限公司 | Account management method and system |
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| CN111754240A (en) * | 2020-07-01 | 2020-10-09 | 中国银行股份有限公司 | Bank card state checking method and device |
| CN111754240B (en) * | 2020-07-01 | 2023-09-19 | 中国银行股份有限公司 | Bank card state verification method and device |
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