CN101571976B

CN101571976B - Method for improving bill clearing efficiency among banks

Info

Publication number: CN101571976B
Application number: CN200910033098XA
Authority: CN
Inventors: 朱杰
Original assignee: Individual
Current assignee: Individual
Priority date: 2009-06-12
Filing date: 2009-06-12
Publication date: 2013-04-17
Anticipated expiration: 2029-06-12
Also published as: CN101571976A

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 that improves interbank clearing treatment effeciency

Technical field

The present invention relates to the method for all kinds of clearings of a kind of interbank, the disposal route of the bank clearing clearing that especially a kind of liquidation center that is applicable to focus on bill implements, specifically a kind of method that improves the clearing center treatment effeciency.

Background technology

Present People's Bank of China's bill robotization score-clearing system in usefulness, still need to 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 in advance code system, still exist initial bill to beat code, 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 minute 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 jurisdiction 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 for flow process in the present interbank bank clearing process complicated, the equipment needed thereby investment is large, the 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 liquidation center of jurisdiction the People's Bank by network, then bill package in kind is delivered to liquidation center of jurisdiction the People's Bank;

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 code 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 again sorting to the bill after checking by carrying entering a profession, and utilize the complement code to form the information such as line 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, a code link is beaten in simplification: original bank clearing need to exchange line number and carry out bill automatic sorting (i.e. again sorting), therefore must beat code at original document.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 code so that whole system has stronger operability, and: (1) index code character quantity is few, can with the bill cleaning-sorting machine beat that a code 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 again to beat code 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 according to the bill image that gathers by the identification of OCR identification software, the bill cleaning-sorting machine of voucher identification module namely is installed be identified.Latter's processing speed is faster, has further excavated the potentiality of bill cleaning-sorting machine.

3, for again sorting process, at first can utilize bill electronic data statistics to put forward the bill amount of entering a profession, then press the many rear few principles of load average and elder generation and formulate clearing rules and index, improve sorting efficient.

Description of drawings

Fig. 1 is existing interbank settlement process synoptic diagram.

Fig. 2 is 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.

China's most cities adopts the manual pattern (such as Fig. 1) of processing 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 at this moment the operation of printed tickets index code, the numeral index that institute's type information defines when being sorting can comprise proposing part or all of territory in line number, lot number, sequence number, the check bit.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 again to beat one by one code.For example, the index code that should print on certain bill is " 111 ", when the problem such as yard mistake or cleaning-sorting machine paperboard occurring beating, can print first cancel code (for example ' d ') at follow-up blank position by coder, then print correct index code, the content of beating code for the second time is " d 111 ".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, gather bill image if identify then must install in image collecting module and the process in sorting at cleaning-sorting machine by the OCR identification software, can produce certain impact to processing speed like this.And by use the bill cleaning-sorting machine of voucher identification module is installed, then can improve treatment effeciency.So-called voucher identification module is a kind of photoelectric 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, different is the side direction position on the lower that the magnetic code read module is installed in sorting air ticket road, parallel with the magnetic code position on the bill; The voucher identification module then is installed in the top position of side direction in sorting air ticket road, and is parallel with the voucher position on the bill, is used for directly reading bill evidence number.(as shown in Figure 3)

Although the site of 3 participation bank clearings is more, its bill amount gap is then larger, substantially presents sixteen general layouts that distribute, and namely 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 be with bill according to large row other (such as industrial and commercial bank, agricultural bank, middle row, Construction Bank Bank of Communications etc.) separately;

12. before carrying out again sorting, 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 again sorting that guarantees the phase one is substantially average being distributed among each pocket of bill, and the principle of distribution is that bill is corresponding in each pocket dot number can not be greater than the pocket quantity of cleaning-sorting machine (bill amount minimum except).This moment can be according to the many rear principles of lacking of elder generation, extract the cleaning-sorting machine pocket of 30-50%, the independent bill that does not play several sites of bill amount maximum for this row of sorting, so that these bills just can be finished sorting in the phase one, without the multiple passage cleaning-sorting machine, sixteen Distribution Pattern of utilizing bill to distribute reduce the bill amount that repeats sorting as far as possible;

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

In sum, again sorting process 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. 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 code 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 code module of beating of bill cleaning-sorting machine, the numeral index that institute's type information defines when being sorting, can comprise and propose part or all of territory in line number, lot number, sequence number, the check bit, for playing on a small quantity a yard bill of makeing mistakes, can utilize on the bill the remaining code position of beating again to beat one by one code.

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