CN101576990A - Banking service processing system - Google Patents
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- CN101576990A CN101576990A CNA2008100972718A CN200810097271A CN101576990A CN 101576990 A CN101576990 A CN 101576990A CN A2008100972718 A CNA2008100972718 A CN A2008100972718A CN 200810097271 A CN200810097271 A CN 200810097271A CN 101576990 A CN101576990 A CN 101576990A
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Abstract
The invention discloses a banking service processing system which comprises a data centralized processing system, a transaction system, a point terminal and a branch distributing terminal, wherein the point terminal and the branch distributing terminal perform data interaction through the transaction system and the data centralized processing system, the data centralized processing system is used for processing account according to the operation of the transaction system; the transaction system comprises a database, an interest processing unit, a profit processing unit, a capital processing unit and a recording unit, wherein each unit also comprises a corresponding banking processing sub unit. The invention can realize the function of automatically processing various banking services in batch through the data interaction among all units and among all sub units of the banking service processing system and saves huge system resources, thereby improving the expandability and the maintenance of the system, and being greatly convenient for a user to use.
Description
Technical field
The present invention relates to data processing field, particularly relate to a kind of banking system.
Background technology
The data processing business comprises that data are duplicated, DB Backup and business such as recovery, data move, data migration and conversion.Along with developing rapidly of network, also relative more and more higher of the level of data processing business, when all data that need handle all send on the server, need described server can finish in real time to the miscellaneous service of described data and focusing on of transaction.
The transmission of existing network data and processing generally all are to receive data by server, when the data that receive are handled, also adopt manual operation usually, promptly are manually to finish the various of data are managed business.But development along with the data processing business, network is more and more higher to the requirement that data are handled, not only need the server of deal with data can handle lot of data simultaneously, also requirement can be finished the batch processing function to data, in this case, adopt manual operation that mass data is focused on and demonstrate drawback, the mistake in the time of can not in time finding each data processing as manual operation, wasted the ample resources of system, and batch processing data etc. automatically.
With the structural deposit product of the personal foreign exchange in the business processing of banking system is example, for the structural deposit product of personal foreign exchange, owing to added financial derivative instrument, make this deposit product that very big variation take place on time limit and income, financial derivative instrument combines with the traditional financial product, formed personal investment finance product with certain feature of risk, the structural deposit product of individual is by the utilization of various option instruments, can on the basis that reduces user's capital risk, reach one than higher income.Because the difference of metal derivative structure, so the time limit of structural deposit product is different accordingly with income, and is subjected to the influence in market bigger, not only income has only at the date of maturity and could determine, and the calculating relative complex of income.Therefore in recent years along with development of market economy, the modes of payments of income has begun to change payable by installment gradually into by the date of expiry payment.
Structural deposit product utilization personal guarantee gold savings account is as the specified account of transaction, but utilize this account to have following drawback: because the corresponding bankbook of first phase product, so bank of every family all will drop into a large amount of funds, all to set up enough bulky information storehouse, also have the various expensess of paying the daily management that brings thus, and the expenses brought of the frequent day by day upgrading of information handling system, these have all caused great waste aspect the utilization of resources; Simultaneously, the structural deposit product of original individual can not calculate income automatically, pay income from the trend user, and the business that can't realize batch processing, this just causes the consequences such as mistake that can not in time find every transaction, not only increase the risk of system management, also increased the workload of statistics.
Summary of the invention
Technical matters to be solved by this invention provides a kind of banking system, with solve existing banking handle in waste ample resources and problem that can't batch processing.
For solving the problems of the technologies described above, the invention provides a kind of banking system, comprise: terminal is sent out in generation by centralized data processing system, transaction system, site terminal and branch, described site terminal and branch send out terminal generation and carry out data interaction by transaction system and centralized data processing system, described centralized data processing system is used for carrying out accounting processing according to the operation of described transaction system, and described transaction system comprises:
Database is used to store user account information and customer transaction information;
The interest processing unit comprises:
The interest in red computation subunit is used for according to the customer transaction information calculations interest in red data in certain time limit, and with described interest in red data transfer to the site terminal;
First subelement of transferring accounts is used for that described interest in red data are passed to branch from described site terminal and generation sends out a terminal;
After-tax interest computation subunit is used for calculating according to preset ratio the interest tax data of described interest in red data, and reduces described interest tax data from described interest in red data, obtains after-tax interest data;
Second subelement of transferring accounts is used for that described after-tax interest data are sent out a terminal generation from described branch and is passed to user account, according to the described user account information of described after-tax interest Data Update;
The 3rd subelement of transferring accounts is used for that described interest tax data are sent out a terminal generation from branch and is passed to the site terminal;
The income processing unit comprises:
Deal with the income calculation subelement, be used for dealing with avail data, and the described avail data of dealing with is passed to the site terminal according to the customer transaction information calculations;
The 4th subelement of transferring accounts is used for the described avail data of dealing with is passed to branch from described site terminal and generation sends out a terminal;
The 5th subelement of transferring accounts is used for the described avail data of dealing with is sent out a terminal generation from described branch and is passed to user account, upgrades described user account information according to the described avail data of dealing with;
The capital processing unit comprises:
The capital computation subunit is used for according to customer transaction information calculations capital data, and with the capital data transfer to the site terminal;
The 6th subelement of transferring accounts is used for that described capital data are passed to branch from described site terminal and generation sends out a terminal;
The 7th subelement of transferring accounts is used for that described capital data are sent out a terminal generation from described branch and is passed to user account, according to the described user account information of described capital Data Update; And described transaction system also comprises:
Record cell is used to write down the described information of transferring accounts.
Preferably, described capital processing unit also comprises:
The cancellation subelement is used for transferring accounts subelement when successfully transmitting the capital data the described the 7th, eliminates the proper account that generation is sent out terminal by described branch.
Preferably, described data centralization system also comprises:
Account is set up the unit, is used to set up user account information, and described user account information is passed in the database of described transaction system and stores.
Preferably, described transaction system also comprises:
Day whole reconciliation unit is used for obtaining from described data centralization system the remaining sum of each site terminal proper account, and whether the principal balance of adding up in judgement and the current transaction system is consistent.
Preferably, described transaction system also comprises:
Difference is handled subelement, is used for when the judgement of described day whole reconciliation unit is inconsistent, exports the different information of the principal balance of adding up in the remaining sum of described each site terminal proper account and the current transaction system.
Preferably, described transaction system and described centralized data processing system, and to adopt the Tcp/Ip agreement to carry out data message mutual with described terminal.
Preferably, described transaction system is sent out terminal generation with described branch and is connected by communication bus, adopts the communication modes of Tcp/UDP combination to carry out the mutual of data message.
Compared with prior art, the present invention has the following advantages:
Banking system of the present invention comprises the centralized data processing system, transaction system, terminal is sent out in generation by site terminal and branch, described site terminal and branch send out terminal generation and carry out data interaction by transaction system and centralized data processing system, described centralized data processing system is used for carrying out accounting processing according to the operation of described transaction system, described transaction system comprises database, the interest processing unit, the income processing unit, capital processing unit and record cell, wherein each unit also comprises the corresponding service processing subelement, the present invention is by each unit of described banking system and the data interaction between each subelement, can realize the function of batch processing bank miscellaneous service automatically, also saved simultaneously a large amount of system resource, not only reduced the risk of system management, improve the extensibility and the maintainability of system, also be very easy to user's use.
Description of drawings
Fig. 1 is the structural representation of banking system of the present invention;
Fig. 2 is the flow chart of steps that the present invention is based on the method embodiment of described banking system.
Embodiment
For above-mentioned purpose of the present invention, feature and advantage can be become apparent more, the present invention is further detailed explanation below in conjunction with the drawings and specific embodiments.
The present invention can be used in numerous general or special purpose computingasystem environment or the configuration.For example: personal computer, server computer, handheld device or portable set, plate equipment, multicomputer system, the system based on microprocessor, set top box, programmable consumer-elcetronics devices, network PC, small-size computer, mainframe computer, comprise distributed computing environment of above any system or equipment or the like.
The present invention can describe in the general context of the computer executable instructions of being carried out by computing machine, for example program module.Usually, program module comprises the routine carrying out particular task or realize particular abstract, program, object, assembly, data structure or the like.Also can in distributed computing environment, put into practice the present invention, in these distributed computing environment, by by communication network connected teleprocessing equipment execute the task.In distributed computing environment, program module can be arranged in the local and remote computer-readable storage medium that comprises memory device.
With reference to Fig. 1, show the structural representation of a kind of banking system embodiment of the present invention, described system specifically can comprise: terminal 102, transaction system 103 and centralized data processing system 104 are sent out in generation by site terminal 101, branch, described site terminal and branch send out terminal generation and carry out data interaction by transaction system and centralized data processing system, described centralized data processing system is used for carrying out accounting processing according to the operation of described transaction system, and described transaction system specifically can comprise:
Interest in red computation subunit 10321 is used for according to the customer transaction information calculations interest in red data in certain time limit, and with described interest in red data transfer to the site terminal;
After-tax interest computation subunit 10323 is used for calculating according to preset ratio the interest tax data of described interest in red data, and reduces described interest tax data from described interest in red data, obtains after-tax interest data;
The 3rd subelement 10325 of transferring accounts is used for that described interest tax data are sent out a terminal generation from branch and is passed to the site terminal;
Deal with income calculation subelement 10331, be used for dealing with avail data, and the described avail data of dealing with is passed to the site terminal according to the customer transaction information calculations;
The 4th subelement 10332 of transferring accounts is used for the described avail data of dealing with is passed to branch from described site terminal and generation sends out a terminal;
The 5th subelement 10333 of transferring accounts is used for the described avail data of dealing with is sent out a terminal generation from described branch and is passed to user account, upgrades described user account information according to the described avail data of dealing with;
The 6th subelement 10342 of transferring accounts is used for that described capital data are passed to branch from described site terminal and generation sends out a terminal;
The 7th subelement 10343 of transferring accounts is used for that described capital data are sent out a terminal generation from described branch and is passed to user account, according to the described user account information of described capital Data Update;
Being understandable that in banking system of the present invention, described site terminal should possess the function of typing Transaction Information, promptly is Transaction Informations such as the user account information of site terminal, cancellation information to be passed to store in the database; Possess printing function, can print " confirmation letter ", various interest inventory and income voucher etc.; Possess query function, can the inquiring user stateful transaction, for user and other system provide various inquiries; Possess the customer data of modification function, promptly can revise, delete or upgrade user account information and various Transaction Information.
Preferably, described capital processing unit can also comprise the cancellation subelement, described cancellation subelement is used for transferring accounts subelement when successfully transmitting the capital data the described the 7th, eliminate described branch and send out the proper account of terminal generation, promptly be after the Data transmission success, in transaction system, do the cancellation of branch family and handle.
Preferably, described data centralization system can also comprise:
Account is set up the unit, is used to set up user account information, and described user account information is passed in the database of described transaction system and stores; When setting up user account information, banking personnel's log-on data central system, setting up the unit by described account is that the user sets up the distribution of income account, and the information of described distribution of income account is passed to database storing in the described transaction system.
Preferably, described transaction system can also comprise:
Day whole reconciliation unit is used for obtaining from described data centralization system the remaining sum of each site terminal proper account, and whether the principal balance of adding up in judgement and the current transaction system is consistent; Day every day eventually after, banking personnel start a day whole reconciliation unit, to the remaining sum of each site terminal proper account, and the principal balance of adding up in the current transaction system compares and judges.
Preferably, described transaction system can also comprise:
Difference is handled subelement, is used for when the judgement of described day whole reconciliation unit is inconsistent, exports the different information of the principal balance of adding up in the remaining sum of described each site terminal proper account and the current transaction system.
Preferably, described transaction system and described centralized data processing system, and to adopt the Tcp/Ip agreement to carry out data message mutual with described terminal.
Preferably, described transaction system is sent out terminal generation with described branch and is connected by communication bus, adopts the communication modes of Tcp/UDP combination to carry out the mutual of data message.
Wherein, the communication packet kind that described transaction system relates to is also a lot, comprises between transaction system and the data centralization system, between transaction system and the site terminal, and can adopt different types of communication packet between transaction system and the branch's generation terminal.
As can be seen, described transaction system has extensibility, can support more business demand for described banking system lays a good foundation, simultaneously, described banking system has the simplification of stability, high efficiency, security and the configuration of communication, and described banking system has higher fault freedom and Error Control ability, and close friend's human-computer interaction interface and powerful management and monitoring function can be provided.
Described transaction system in the embodiment of the invention has been offered a specified account that is specifically designed to individual's (Renminbi and foreign exchange) financing, a series of functions such as integrated foreign exchange infrastructure product is paid in batches from setting up user account information, the phase current interest of raising, the batch payment of product income and capital are paid in batches, described transaction system possesses following characteristics:
(1) product structure diversity.
A deposit of described transaction system support product has a plurality of distribution of income phases, and can there be different earning rates and distribution of income day each distribution of income phase, can also carry out the parametrization management to the deposit product simultaneously; Same deposit product provides different earning rates at the user of different levels; User account information and customer transaction information are by the data base administration in the described transaction system; Support the unloading product, promptly under the still not yet due situation of existing individual deposit product, can buy of the continuity of corresponding deposit product at a specified future date as existing deposit product.
(2) payment in batches.
Can be according to the deposit product information of centralized management, user account information and customer transaction information, at being about to overdue deposit product, described transaction system automatically prompting user is at the date of maturity carried out the batch processing with user Dai Fa that withholds of site terminal, two batch processing are initiated simultaneously, thereby have guaranteed that the user can earlier freely draw at the deposit production payment same day.
(3) automatic reconciliation and query function.
Described banking system can regularly carry out reconciliation every day to be handled, and is convenient to the user account of described transaction system, data centralization system and branch's generation terminal is carried out financial management; Can also support simultaneously the multiple query function of user account information.
With a preferred object lesson present embodiment is described below, with reference to figure 2, the system flow of application of aforementioned system embodiment specifically can may further comprise the steps:
Step 201: account is set up the unit and is set up user account information for the user, and described user account information is passed in the database of described transaction system and stores;
In described banking system, the user at first needs to handle corresponding banking to the site terminal, for example start the logical transaction etc. of opening an account of current one folding, the account of the banking personnel of site terminal in will the log-on data central system set up the unit, for the user sets up user account information, for example start the logical transaction of opening an account of described current one folding and set up the distribution of income account for the user;
Wherein, according to the fund source of user's transacting business, set up the account unit further and carry out the different account processes of setting up:
When user's fund classification is cash, banking personnel at first log-on data central system keep accounts, the cash that deposits transaction system in is concentrated the family, the banking personnel start described transaction system and set up transaction system branch account then, simultaneously by transaction system log-on data central system, the fund of concentrating the family to change transaction system over to the cash of transaction system collects the family, automatically print deposit ticket, after the friendship user signs and confirms, go in the voucher on the same day according to bookbinding as this transaction, print " transaction confirmation letter " transaction voucher simultaneously automatically as the user;
When the user transfers accounts, banking personnel directly start the branch account that transaction system is set up transaction system, and print automatically and save transfer voucher, after the friendship user signs and confirms, bind in the voucher on the same day as bookkeeping voucher, print " transaction confirmation letter " transaction voucher simultaneously automatically as the user;
Step 202: day whole reconciliation unit obtains the remaining sum of each site terminal proper account from described data centralization system, and whether the principal balance of adding up in judgement and the current transaction system is consistent;
Set up after the user account information, banking personnel just can start transaction system, and print the day trade transaction system the branch account deposit the detail and the statement of balance in, day whole reconciliation unit obtains the remaining sum of each site terminal proper account from described data centralization system, and whether the principal balance of adding up in judgement and the current transaction system is consistent, if the judged result unanimity, then the log-on data central system changes family in the transaction set of transaction system over to according to the site terminal, and prints associated documents; If judged result is inconsistent, then handle the different information of the principal balance of adding up in the remaining sum of described each the site terminal proper account of subelement output and the current transaction system by difference; Described different information can comprise the reconciliation date, remaining sum, the principal balance in the transaction system and both difference etc. at family in the transaction set of site terminal mechanism number, transaction system;
After carrying out step 201 and 202, can carry out the processing procedure of interest processing unit, wherein the interest processing unit interest processing procedure of carrying out can comprise following 5 sub-steps:
In the described transaction system database is arranged, described customer transaction information and user account information are all by described database storing, the interest in red computation subunit is calculated interest in red in this time limit according to the time limit of raising the phase, and with described interest in red data transfer to the site terminal;
On value date promptly is the previous day of transaction beginning day, according to the customer transaction information of data-base recording in the transaction system, generation sends out terminal by the interest that transaction system log-on data central system will be raised in the phase from interest in red family deduct to the branch of each site terminal;
Substep 203c: after-tax interest computation subunit is calculated the interest tax data of described interest in red data according to preset ratio, and reduces described interest tax data from described interest in red data, obtains after-tax interest data;
According to the ratio that presets, after-tax interest computation subunit can calculate the interest tax data of described interest in red data, and described interest in red data are deducted described interest tax data, thereby can obtain after-tax interest data;
The same day on value date is by transaction system log-on data central system, after-tax interest data are sent out terminal batch generation from branch be passed to user account, it promptly is user's distribution of income account, and according to described after-tax interest Data Update described user account information, and finish corresponding accounting processing automatically by the data centralization system;
The 3rd subelement of transferring accounts should be paid the interest tax family with the interest tax data that calculate from what generation was sent out that terminal batch is passed to each site terminal by branch again, and like this, the interest processing unit has just tentatively been finished the processing procedure to the interest data;
In the previous day of income day, can carry out the process that income is handled, wherein income is handled and is finished by the income processing unit, specifically also can comprise following substep:
Substep 204a: deal with the income calculation subelement and deal with avail data, and the described avail data of dealing with is passed to the site terminal according to the customer transaction information calculations;
In income the previous day on pay day, according to the customer transaction information of the database storing in the transaction system, calculate user's the avail data of dealing with, and the described avail data of dealing with is passed to the site terminal, promptly be that the user who is passed to the site terminal deals with account;
Then, can pass through transaction system log-on data central system, will deal with avail data and be passed to the branch that branch generation sends out terminal the account from dealing with of each site terminal and send out in generation in the account by the 4th subelement of transferring accounts;
Income same day on pay day, can pass through transaction system log-on data central system, to deal with the branch that avail data sends out terminal from branch generation and generation send out the distribution of income account that the family is passed to the user in batches by the 5th subelement of transferring accounts, and finish corresponding accounting processing automatically by the data centralization system, like this, the income processing unit has just tentatively been finished the respective handling to avail data;
The previous day at the date of maturity, can carry out the process that capital is handled, wherein capital is handled and is finished by the capital processing unit, specifically also can comprise following substep:
According to the customer transaction information of the database storing in the transaction system, calculate user's capital data the previous day at the date of maturity, and with described capital data transfer to the site terminal, promptly be the user account that is passed to the site terminal;
According to the customer transaction information of transaction system record, transfer accounts subelement by transaction system log-on data central system by the 6th, described capital data are passed to branch in batches from the user account of each site terminal send out the branch of terminal generation and generation send out a family;
Generation sent out terminal batch for the distribution of income account that be passed to user with the capital data from branch by transaction system log-on data central system same day date of expiry, and finish corresponding accounting processing automatically by the data centralization system;
Need to prove that when the interest processing unit began to carry out process that interest handles, record cell just began the synchronous recording information of transferring accounts, so record cell is synchronoused working with interest processing unit, income processing unit and capital processing unit; Promptly be the information of transferring accounts of the described interest processing unit of record cell synchronous recording, income processing unit and capital processing unit; Wherein, the described information of transferring accounts comprises the information of transferring accounts of each step of interest processing unit, income processing unit and capital processing unit.
Preferably, the capital processing procedure can also comprise substep:
Substep 205d: the cancellation subelement is eliminated the proper account that generation is sent out terminal by described branch; Promptly transfer accounts subelement when successfully transmitting the capital data, in transaction system, do the cancellation of branch family and handle the described the 7th.
From the system flow of the banking system of the embodiment of the invention as can be seen, described transaction system has following characteristics:
(1) relate to multiple kinds, with adopt between data centralization system and bank outlets the Tcp/Ip agreement, with operating terminal and monitor terminal between the communication modes that combines of employing Tcp/UDP;
(2) the communication packet kind that relates to is many, comprise between transaction system and the data centralization system, and between the cabinet face of site, and business is controlled and monitor terminal between the message conversion;
(3) the background process amount of every day will be bigger, comprises payment in batches, day processing eventually, report form statistics etc.
At described characteristics, a kind of solution of three-layer architecture can be proposed, promptly transaction system is made of transaction core layer, data Layer, three levels of outside Access Layer.
Wherein, the transaction core layer is the transaction processing core of system, business processing all in the described transaction system all realize at this layer, the processing mode of business event has related to the global design of system software architecture, therefore need be with the modularization of transaction core layer, and adopting the notion of concluding the business based on atom, this just provides reliable basis to the extendability and the maintainability of system; For the transaction data package in the described banking system, adopt the mode of transaction configuration tables to safeguard, so that when change transaction interface or increase transaction, all need not change program, only need simply safeguard to get final product to transaction configuration tables.
Data Layer essence is the database processing layer, is the data processing core of described transaction system, the transaction core layer is come fulfillment database by data processing channel visit, processing.Data Layer has solved the problem of database resource centralized management and visit, has also avoided database access deadlock and database access to connect too much problem simultaneously.
Outside Access Layer is the preposition of site terminal, operating terminal and data centralization system.The operating terminal layer is the management platform that system provides, common client/service (Client/Server, C/S) system of framework, can be in the business processing logic of client overheap, make client huger, the Fat Client on the ordinary meaning just, Fat Client seem total system relatively to disperse, structure is more messy, and is not very convenient to the management of database access; And described banking system is when design, adopted browser/service (Browser/Server at this one deck of operating terminal, B/S) structure, do not comprise any service logic, just as a presentation layer, be the notion of thin-client, the action of operating terminal layer is exactly information gathering and submits and the display process result to professional core layer; The operating terminal layer also is connected by communication bus with transaction system, and the communications protocol that adopts Tcp and Udp to combine realizes; The preposition employing TUXEDO mode of site terminal and data centralization system and/the TCP/IP mode carries out the mutual of data message.
For system embodiment, because it is substantially corresponding to method embodiment, so description is fairly simple, relevant part gets final product referring to the part explanation of method embodiment.
In the above-described embodiments, the description of each embodiment is all emphasized particularly on different fields, do not have the part that describes in detail among certain embodiment, can get final product referring to the associated description of aforementioned part.Above-mentionedly arbitrarily enumerated several embodiment of the present invention, those skilled in the art are appropriate combination, selection as the case may be, can bring into play technology effect of the present invention fully.Combination in any based on the foregoing description all is embodiment of the present invention, but this instructions has not just described in detail one by one at this as space is limited.
More than banking system provided by the present invention is described in detail, used specific case herein principle of the present invention and embodiment are set forth, the explanation of above embodiment just is used for helping to understand method of the present invention and core concept thereof; Simultaneously, for one of ordinary skill in the art, according to thought of the present invention, the part that all can change in specific embodiments and applications, in sum, this description should not be construed as limitation of the present invention.
Claims (7)
1, a kind of banking system, it is characterized in that, described system comprises centralized data processing system, transaction system, site terminal and branch's generation terminal, described site terminal and branch send out terminal generation and carry out data interaction by transaction system and centralized data processing system, described centralized data processing system is used for carrying out accounting processing according to the operation of described transaction system, and described transaction system comprises:
Database is used to store user account information and customer transaction information;
The interest processing unit comprises:
The interest in red computation subunit is used for according to the customer transaction information calculations interest in red data in certain time limit, and with described interest in red data transfer to the site terminal;
First subelement of transferring accounts is used for that described interest in red data are passed to branch from described site terminal and generation sends out a terminal;
After-tax interest computation subunit is used for calculating according to preset ratio the interest tax data of described interest in red data, and reduces described interest tax data from described interest in red data, obtains after-tax interest data;
Second subelement of transferring accounts is used for that described after-tax interest data are sent out a terminal generation from described branch and is passed to user account, according to the described user account information of described after-tax interest Data Update;
The 3rd subelement of transferring accounts is used for that described interest tax data are sent out a terminal generation from branch and is passed to the site terminal;
The income processing unit comprises:
Deal with the income calculation subelement, be used for dealing with avail data, and the described avail data of dealing with is passed to the site terminal according to the customer transaction information calculations;
The 4th subelement of transferring accounts is used for the described avail data of dealing with is passed to branch from described site terminal and generation sends out a terminal;
The 5th subelement of transferring accounts is used for the described avail data of dealing with is sent out a terminal generation from described branch and is passed to user account, upgrades described user account information according to the described avail data of dealing with;
The capital processing unit comprises:
The capital computation subunit is used for according to customer transaction information calculations capital data, and with the capital data transfer to the site terminal;
The 6th subelement of transferring accounts is used for that described capital data are passed to branch from described site terminal and generation sends out a terminal;
The 7th subelement of transferring accounts is used for that described capital data are sent out a terminal generation from described branch and is passed to user account, according to the described user account information of described capital Data Update; And described transaction system also comprises:
Record cell is used to write down the described information of transferring accounts.
2, the system as claimed in claim 1 is characterized in that, described capital processing unit also comprises:
The cancellation subelement is used for transferring accounts subelement when successfully transmitting the capital data the described the 7th, eliminates the proper account that generation is sent out terminal by described branch.
3, the system as claimed in claim 1 is characterized in that, described data centralization system also comprises:
Account is set up the unit, is used to set up user account information, and described user account information is passed in the database of described transaction system and stores.
4, the system as claimed in claim 1 is characterized in that, described transaction system also comprises:
Day whole reconciliation unit is used for obtaining from described data centralization system the remaining sum of each site terminal proper account, and whether the principal balance of adding up in judgement and the current transaction system is consistent.
5, system as claimed in claim 4 is characterized in that, described transaction system also comprises:
Difference is handled subelement, is used for when the judgement of described day whole reconciliation unit is inconsistent, exports the different information of the principal balance of adding up in the remaining sum of described each site terminal proper account and the current transaction system.
6, the system as claimed in claim 1 is characterized in that, described transaction system and described centralized data processing system, and to adopt the Tcp/Ip agreement to carry out data message mutual with described terminal.
7, the system as claimed in claim 1 is characterized in that, described transaction system is sent out terminal generation with described branch and is connected by communication bus, adopts the communication modes of Tcp/UDP combination to carry out the mutual of data message.
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| CNA2008100972718A CN101576990A (en) | 2008-05-06 | 2008-05-06 | Banking service processing system |
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| CNA2008100972718A CN101576990A (en) | 2008-05-06 | 2008-05-06 | Banking service processing system |
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| CN102411756A (en) * | 2010-09-26 | 2012-04-11 | 金蝶软件（中国）有限公司 | Bank account data management system and method |
| WO2013082986A1 (en) * | 2011-12-07 | 2013-06-13 | 广州广电运通金融电子股份有限公司 | Business processing method and system of financial self-service equipment |
| CN103366300A (en) * | 2012-04-10 | 2013-10-23 | 大企行销有限公司 | Method for managing bonus points and bonus point service server |
| WO2014201789A1 (en) * | 2013-06-21 | 2014-12-24 | 中兴通讯股份有限公司 | Service processing method, apparatus and system |
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