CN101571976A

CN101571976A - Method for improving bill clearing efficiency among banks and sorting equipment

Info

Publication number: CN101571976A
Application number: CNA200910033098XA
Authority: CN
Inventors: 朱杰
Original assignee: Individual
Current assignee: Individual
Priority date: 2009-06-12
Filing date: 2009-06-12
Publication date: 2009-11-04
Anticipated expiration: 2029-06-12
Also published as: CN101571976B

Abstract

The invention, aiming at the problems of complex flow, more equipment investment, high running cost and the like in the process of bank clearing among banks at present, provides a novel method for combining with the modern network technique and sufficiently excavating the potential of a bill sorter, which can improve the bill clearing efficiency among the banks. The method and the sorting equipment improve the processing efficiency of settling clearing services for the People Bank, simplify the overall settlement process, and are easy to be popularized and applied.

Description

A kind of method and sorting equipment that improves interbank clearing treatment effeciency

Technical field

The present invention relates to the method and the sorting equipment of all kinds of bill structures of a kind of interbank, especially a kind of is the method and apparatus of the clearing exchange of settlement center with the People's Bank, specifically a kind of method and apparatus that improves silver-colored the People's Bank clearing center treatment effeciency.

Background technology

Present People's Bank of China's bill robotization score-clearing system in usefulness, still need be with the magnetic code printer as the basis, even as described in patent 2006100396061 " a kind of method of speeding up bill clearing between banks ", adopt to concentrate and beat code system in advance, still exist initial bill to beat sign indicating number, be unfavorable for the popularization of project.

At present, at the bill cleaning-sorting machine of usefulness mainly by advancing ticket modules A, central processing module B and the branch bag module C that draws a bill forms, ticket road 4 runs through whole bill cleaning-sorting machine, and wherein central processing module B comprises magnetic code print module 1, magnetic code read module 2 (magnetic reading head or light read head) and bill image collection module etc.

In People's Bank of China's bill robotization score-clearing system, there is a problem always.Because commercial bank's dot number of being had jurisdiction over is more, individual even thousands of sites that participate in bank clearings of part big city municipalization hundreds of.And the classification pocket limited amount of bill cleaning-sorting machine (be generally ten several to dozens of), cause finishing several times by carrying the sorting process need that carries out of entering a profession, and the bill amount by cleaning-sorting machine is the 200-300% of total bill amount even more substantially, and treatment effeciency is low.

Summary of the invention

The objective of the invention is at flow process complexity in the present interbank bank clearing process, the equipment needed thereby investment is big, problems such as operating cost height are invented a kind of new method in conjunction with modern network technology and abundant excavation bill cleaning-sorting machine potential, can improve interbank clearing treatment effeciency.

Technical scheme of the present invention is:

A kind of method that improves interbank clearing treatment effeciency is characterized in that it may further comprise the steps:

A, each bank outlets do not carry out bill and beat code operations, each bank outlets is for the bill of receiving, at first the typing billing information forms electronic data, is sent to the liquidation center of the People's Bank that has jurisdiction over by network, then bill package in kind is delivered to the liquidation center of the People's Bank that has jurisdiction over;

B, liquidation center of the People's Bank utilize the bill cleaning-sorting machine that bill is carried out first sorting, at first successively bill being carried out the complement sign indicating number forms index, gathers bill image, simultaneously the voucher of bill number is carried out OCR identification, at last recognition result and electronic data are compared confirm after, bill is divided in the cleaning-sorting machine pocket of appointment;

C, liquidation center of the People's Bank extract element information on the bill image by the OCR recognition system, and check with electronic data, as have a question and then carry out manual intervention;

D, liquidation center of the People's Bank carry out sorting once more to the bill after checking by carrying entering a profession, and utilize the complement sign indicating number to form the information such as row number that index extracts bill during sorting, finish the sorting process, at last with the bill package after the sorting.

The present invention has the following advantages:

1, simplify and to beat a sign indicating number link: original bank clearing need exchange row number to be carried out bill and sorts (i.e. sorting once more) automatically, therefore must beat on original document yard.The present invention is then by the bill sorting after the printed indicia information code guiding in first sorting process.Can replace existing commercial bank fully and beat the link of sign indicating number, make total system have stronger operability, and: (1) index code character quantity is few, can with the bill cleaning-sorting machine beat that a sign indicating number module is finished or before sorting use magnetic code printer finish; (2) because remaining to beat code position more, can utilize the remaining code position of beating to beat sign indicating number again for the bill of makeing mistakes on a small quantity.

2, for the process of first sorting identification voucher number, can also can adopt novel sorting equipment, the bill cleaning-sorting machine of voucher identification module promptly is installed be discerned according to the bill image of being gathered by the identification of OCR identification software.Latter's processing speed is faster, has further excavated the potentiality of bill cleaning-sorting machine.

3, for sorting process once more, at first can utilize bill electronic data statistics to put forward the bill amount of entering a profession, press the few principle of load average and many earlier backs then and formulate sorting rule and index, improve sorting efficient.

Description of drawings

Fig. 1 is existing interbank settlement process synoptic diagram.

Fig. 2 is a bank clearing infosystem schematic flow sheet of the present invention.

Fig. 3 is the bill cleaning-sorting machine structural representation of installation voucher identification module of the present invention.

Embodiment

The present invention is further illustrated (as shown in Figure 1, 2) for following structure drawings and Examples.

The pattern (as Fig. 1) of manual process is adopted in the most of cities of China at present.Do not changing fully on the basis of operation flow shown in Figure 1, only liquidation center of the People's Bank business is being transformed, can realize automated process flow.

1, in first sorting, the sorting of bill cleaning-sorting machine is according to being bill evidence number, and also finished printed tickets index code operation at this moment, the numeral index that institute's type information defines during for sorting can comprise proposing in row number, lot number, sequence number, the check bit partly or entirely territory.By this method, the sorting that has realized the bill cleaning-sorting machine is according to by the bill evidence number transfer to the index coding, for follow-up business processing facilitates.

For playing on a small quantity a yard bill of makeing mistakes, can utilize on the bill the remaining code position of beating to beat sign indicating number one by one again.For example, the index code that should print on certain bill is " 111 ", when problem such as yard mistake or cleaning-sorting machine paperboard occurring beating, can print cancel code (for example ' d ') earlier at follow-up blank position by coder, print correct index code then, the content of beating sign indicating number for the second time is " d111 ".The rule that corresponding cleaning-sorting machine reads index code should be set to index code with last printing and be as the criterion and get final product.

2, in first sorting, identification bill evidence number is a committed step, if discern by the OCR identification software then must gather bill image installing on the cleaning-sorting machine in image collecting module and the process, can produce certain influence to processing speed like this in sorting.And the bill cleaning-sorting machine of voucher identification module is installed by use, then can improve treatment effeciency.So-called voucher identification module is a kind of photoelectricity processing module based on the OCR technology, its principle of work is similar with the magnetic code read module (being the light read head) that adopts OCR identification, the side direction in different the is magnetic code read module is installed in sorting air ticket road by under the position, parallel with the magnetic code position on the bill; The side direction that the voucher identification module then is installed in sorting air ticket road is by last position, and is parallel with the voucher position on the bill, is used for directly reading bill evidence number.(as shown in Figure 3)

Though the site of 3 participation bank clearings is more, its bill amount gap is then bigger, presents sixteen general layouts that distribute substantially, and promptly the bill amount of 20% site accounts for 80% of total bill operation amount.Therefore can utilize electronic data to improve sorting efficient, concrete grammar is as follows:

11. during the first sorting of row, can (as industrial and commercial bank, agricultural bank, middle row, Construction Bank Bank of Communications etc.) not separately according to big row with bill;

12. before carrying out sorting once more, utilize bill electronic data statistics respectively to put forward the bill amount of entering a profession and set up index, then according to the pocket quantity of cleaning-sorting machine, distinguish to carry by the load average principle and enter a profession, the sorting once more that guarantees the phase one is average substantially being distributed among each pocket of bill, and the principle of distribution is that the dot number of bill correspondence in each pocket can not be greater than the pocket quantity of cleaning-sorting machine (bill amount minimum except).This moment can be according to how principle is lacked in the back earlier, extract the cleaning-sorting machine pocket of 30-50%, independently be used for the bill that this row of sorting does not play several sites of bill amount maximum, make these bills just can finish sorting in the phase one, need not repeat to pass through cleaning-sorting machine, sixteen Distribution Pattern of utilizing bill to distribute reduce the bill amount that repeats sorting as far as possible;

13. the sorting once more of subordinate phase is then carried out sorting once more to the bill of handling by the phase one, finishes the sorting of whole bills substantially.

In sum, sorting process once more is the 120-140% of total bill amount by the bill amount of cleaning-sorting machine substantially, and sorting efficient has greatly improved.

4, finally bill is checked after, package.

Claims

1, a kind of method that improves interbank clearing treatment effeciency is characterized in that it may further comprise the steps:

2, a kind of method that improves interbank clearing treatment effeciency according to claim 1, the complement sign indicating number process that it is characterized in that described first sorting can be finished or uses the magnetic code printer to finish before sorting with the sign indicating number module of beating of bill cleaning-sorting machine, the numeral index that institute's type information defines during for sorting, can comprise and propose in row number, lot number, sequence number, the check bit partly or entirely territory, for playing on a small quantity a yard bill of makeing mistakes, can utilize on the bill the remaining code position of beating to beat sign indicating number one by one again.

3, a kind of method that improves interbank clearing treatment effeciency according to claim 1, it is characterized in that described sorting process once more, at first can utilize bill electronic data statistics to put forward the bill amount of entering a profession, press the few principle of load average and many earlier backs then and formulate sorting rule and index, improve sorting efficient.

4, a kind of sorting equipment that improves interbank clearing treatment effeciency, it is characterized in that described sorting equipment is for being equipped with the bill cleaning-sorting machine of voucher identification module (3), voucher identification module (3) is installed in the side direction in sorting air ticket road (4) by last position, parallel with the voucher position on the bill, can directly read bill evidence number.