CN101833733A

CN101833733A - Electronic transfer check system and payment settlement method thereof

Info

Publication number: CN101833733A
Application number: CN201010115094A
Authority: CN
Inventors: 王坚
Original assignee: Agricultural Bank of China Shenzhen Branch
Current assignee: Agricultural Bank of China Shenzhen Branch
Priority date: 2010-02-22
Filing date: 2010-02-22
Publication date: 2010-09-15

Abstract

The invention relates to an electronic transfer check system and a payment settlement method thereof. The electronic transfer check system comprises a transaction accepting system, a payer transfer check information entering system, a payer transfer check signing system, an electronic transfer check transmitting system, an electronic transfer check verification processing system, a payee electronic transfer check receiving and encashment prompting system, a self-bank account processing system and an other-bank account processing system. The payment settlement method is based on the electronic transfer check system and comprises the following steps of: entering and signing electronic transfer checks; generating the electronic transfer checks; sending and receiving the electronic transfer checks; prompting to encash the electronic transfer checks; checking the legality of the electronic transfer checks; outputting a transaction control order; and settling electronic transfer check funds to realize the payment settlement transaction of the electronic transfer checks. The invention realizes the payment settlement of the electronic transfer checks by utilizing the traditional communication system, terminal equipment and network resources, has small investment, low cost and easy popularization, can realize the real-time check transaction by using a mobile terminal, brings maximum convenience, and has great high economic and social benefits.

Description

A kind of Electronic Transfer check system and payment and settlement method thereof

Technical field

The present invention relates to a kind of bank payment settlement system, also relate to the pay method of clearing of this system of use, more particularly, relate to a kind of Electronic Transfer check system and payment and settlement method thereof.

Background technology

The paper checks disposal system is a kind of traditional bank payment settlement operation system.The program of existing paper checks payment and settlement business is as follows: the paper checks that the payer prints in banker's buying rate bank in advance, when handling the payment and settlement business, the payer is after filling in authority to pay information and signed and sealed (SS) on the paper checks, paper checks is paid the payee, the payee holds paper checks to the bank counter present the bill for payment, the authenticity of bank cashier demonstration validation paper checks and check seal are finished the payment and settlement Account Disposal with after the paying party reserved specimen seal conforms to according to the payment information that paper checks states clearly.

There is following defective in existing paper checks disposal system: the payer need arrive bank counter and buy blank paper checks and keep properly, and needs cost higher time and transportation cost, in case situation such as check loss occurs, financial risks may take place also; The payee needs to submit the paper checks present the bill for payment to bank counter in the specified period, needs cost higher time and transportation cost equally; Bank needs the teller that the true and false of check is identified and finishes the capital settlement operation, handles the check business and takies a large amount of human resources, and the business processing cost is higher, and may accept the financial risks of false tickets credit.

In order to seek to overcome the above-mentioned defective that existing paper checks disposal system exists, the Electronic Transfer check has appearred.Existing wire transfer check is the electronic image that has implied cryptographic check information, can come out by screen displays such as displays, its image display effect is similar to the paper check, and it is also basic identical that the check element information is filled in mode, as payee name, number of the account, the amount of money and date etc.The implicit cryptographic check information of electronic image only provides check authenticity verification means, does not provide the check element information secret means.

Existing wire transfer paying by check account settlement business is to adopt following program to realize:

(1) paying party uses special electronic check for transfer equipment to send the wire transfer cheque image that has implied cryptographic check information by dedicated network to beneficiary, sends draught to bank simultaneously;

(2) after beneficiary is received wire transfer cheque image mail, received the affirmation information of wire transfer cheque image with the electronic signature signature, simultaneously beneficiary uses special electronic check for transfer equipment by authentication center the wire transfer check that paying party provides to be verified, verify that the wire transfer check being delivered bank after errorless points out and cash;

(3) bank verifies the wire transfer check that paying party provides by authentication center when the paying party present the bill for payment, verifies and promptly transfers accounts to the beneficiary account after errorless.

The defectives such as financial risks that though above-mentioned existing wire transfer check has solved that paper checks exists takies payer, payee's time cost height, take bank human resources cost height, paper checks is lost the financial risks that cause and bank cashier brings to bank paper checks true and false identification error, realized the efficiently convenient of paying by check business, controlled the security of payment transaction, but still there are following defective in existing wire transfer check system and its implementation:

1, the receipt and payment both sides all must use special electronic check for transfer equipment, just can finish Electronic Transfer transfer by check transaction by dedicated network, cause user network cost of investment height, become the very big obstacle that it popularizes;

2, owing to Electronic Transfer transfer by check transaction must be finished by above-mentioned specialized equipment, require the user must carry above-mentioned specialized equipment, could realize using the Electronic Transfer check to conclude the business whenever and wherever possible, these characteristics of existing Electronic Transfer check system are not only brought the trouble of carrying above-mentioned specialized equipment inconvenience, the risk that exists specialized equipment to lose simultaneously, may bring bigger trouble, therefore, realize that by specialized equipment the trading function of Electronic Transfer check can not bring real facility to the user.

Up to now, occur to use common communications equipment and realize the technology of Electronic Transfer check secure payment with the ordinary electronic Word message as evidence for payment as yet.

Summary of the invention

One of the technical problem to be solved in the present invention is, a kind of Electronic Transfer check system is provided, adopt existing communication equipment to realize Electronic Transfer check secure payment business as evidence for payment, overcome existing Electronic Transfer check and need adopt specialized equipment to realize the defective that transaction brings with the ordinary electronic Word message.

Two of the technical problem to be solved in the present invention is, a kind of Electronic Transfer paying by check settlement method is provided, by above-mentioned Electronic Transfer check system, adopt existing communication equipment to realize Electronic Transfer check payment by the transfer of accounts business, overcome existing Electronic Transfer check and need adopt specialized equipment to realize the defective that transaction brings.

The present invention solves the technical scheme that one of its technical matters adopts: a kind of Electronic Transfer check system is provided, comprise that one's own profession Account Disposal system and he manages it the Account Disposal system, described one's own profession Account Disposal system comprises one's own profession beneficiary accounts database, one's own profession paying party accounts database, transfer transactions processing module and one's own profession inter-bank account transfer processing module, it is described that he manages it the Account Disposal system and comprises that he manages it inter-bank account transfer processing module and he and manage it the beneficiary accounts database, described transfer transactions processing module is used for carrying out that money transfer transactions is handled and data interaction between one's own profession beneficiary accounts database and one's own profession paying party accounts database, and manages it money transfer transactions processing and data interaction between the beneficiary accounts database by the transfer accounts data interaction realization one's own profession paying party accounts database of processing module and he of one's own profession inter-bank account transfer processing module and his inter-bank of manage it;

It is characterized in that, also comprise: beneficiary wire transfer check receives and points out the system that cashes, transaction receiving system, paying party check for transfer Message Entry System, paying party check for transfer to sign and issue system, wire transfer check transfer system and wire transfer check checking treatment system;

Described beneficiary wire transfer check receives and the user number that system comprises that Word information communication terminal and this literal information communication terminal use is cashed in prompting, and described user number has uniqueness in its related words information communication system;

Described transaction receiving system comprises paying party user verification module and Electronic Transfer check generation module, described paying party check for transfer Message Entry System comprises paying party user log-in block and check information typing module, described paying party check for transfer is signed and issued system and is comprised that paying party user log-in block and eCheck sign and issue module, described wire transfer check transfer system comprises that the prompting of eCheck sending module and eCheck cashes information receiving module, and described wire transfer check checking treatment system comprises the transaction steering order output module that order is carried out data interaction, eCheck verification module and eCheck database;

Described transaction receiving system is used for by communication network the user login information of described paying party check for transfer Message Entry System being carried out verification, check entry information according to this input system generates Electronic Transfer check system archive information and evidence for payment Word message, the user login information of described paying party check for transfer being signed and issued system by communication network carries out verification, sign and issue the described Electronic Transfer paying by check voucher Word message that information will generate according to this check of signing and issuing system and be sent to described wire transfer check transfer system, the described system file information that generates finally is sent to described eCheck database;

Described wire transfer check transfer system is used for receiving and prompting cashes that system sends described Electronic Transfer paying by check voucher Word message, reception and this beneficiary wire transfer check received and prompting that system is cashed in prompting is cashed the instruction of Electronic Transfer check and is sent to described wire transfer check checking treatment system to described beneficiary wire transfer check by communication network;

Described wire transfer check checking treatment system is used for that the instruction of Electronic Transfer check and prompting are cashed in the described prompting that receives and cashes the date and carry out verification with the described Electronic Transfer check system archive information that is stored in described eCheck database, and carries out the transaction steering order of Account Disposal transaction when verification is qualified to the output of Account Disposal system.

In Electronic Transfer check system of the present invention, described communication network is internet, voice frequency telephone network or mobile communications network.

In Electronic Transfer check system of the present invention, described beneficiary wire transfer check receives and points out the Word information communication terminal of the system that cashes is mobile phone, described user number is the SIM card user number, and described wire transfer check transfer system and described beneficiary wire transfer check receive and point out the communication network of the system that cashes is movetext short message communication network.

In Electronic Transfer check system of the present invention, described paying party check for transfer Message Entry System is the network insertion Word information communication terminal that comprises described paying party user log-in block and check information typing module, and described paying party check for transfer is signed and issued system and comprised that described paying party user log-in block and Electronic Transfer check sign and issue the network insertion Word information communication terminal of module.

In Electronic Transfer check system of the present invention, described paying party check for transfer Message Entry System comprise paying party eCheck enquiry module and or described paying party check for transfer sign and issue system and comprise paying party eCheck enquiry module.

In Electronic Transfer check system of the present invention, described beneficiary wire transfer check reception and prompting are cashed terminal and are comprised beneficiary eCheck enquiry module.

Two technical schemes that adopted that the present invention solves its technical matters are: a kind of Electronic Transfer paying by check settlement method is provided, finish the payment and settlement transaction based on the Electronic Transfer check system, this Electronic Transfer check system comprises that one's own profession Account Disposal system and he manages it the Account Disposal system, described one's own profession Account Disposal system comprises one's own profession beneficiary accounts database, one's own profession paying party accounts database, transfer transactions processing module and one's own profession inter-bank account transfer processing module, it is described that he manages it the Account Disposal system and comprises that he manages it inter-bank account transfer processing module and he and manage it the beneficiary accounts database, described transfer transactions processing module is used for carrying out that money transfer transactions is handled and data interaction between one's own profession beneficiary accounts database and one's own profession paying party accounts database, and manages it money transfer transactions processing and data interaction between the beneficiary accounts database by the transfer accounts data interaction realization one's own profession paying party accounts database of processing module and he of one's own profession inter-bank account transfer processing module and his inter-bank of manage it;

Described beneficiary wire transfer check receives and the user number that system comprises the Word information communication terminal and uses for this literal information communication terminal is cashed in prompting, and described user number has uniqueness in its related words information communication system;

Described transaction receiving system comprises paying party user verification module and eCheck generation module, described paying party check for transfer Message Entry System comprises paying party user log-in block and check information typing module, described paying party check for transfer is signed and issued system and is comprised that paying party user log-in block and eCheck sign and issue module, described wire transfer check transfer system comprises that the prompting of eCheck sending module and eCheck converts information receiving module, and described wire transfer check checking treatment system comprises the transaction steering order output module that order is carried out data interaction, eCheck verification module and eCheck database;

Described method comprises the typing of wire transfer check successively and signs and issues, the wire transfer check generates, wire transfer check transmission and reception, the prompting of wire transfer check are cashed, the legitimacy verification of wire transfer check and the output of transaction steering order, wire transfer check capital settlement step;

The typing of described wire transfer check with sign and issue step and comprise:

A1, paying party operator login self-service dealing system of the bank of deposit, after authentication, select wire transfer paying by check instruction input function module, typing is included in described beneficiary user number information and the wire transfer check information that has uniqueness in its communication system, submits the transaction receiving system to through communication network;

A2, transaction receiving system submit to the paying party approving person to examine described entry information;

A3, paying party approving person submit to this wire transfer check to sign and issue information by communication network to the transaction receiving system;

The typing of described wire transfer check with sign and issue trading instruction information that step forms and comprise that described beneficiary user number information, described wire transfer check information and described wire transfer check sign and issue information;

Described wire transfer check generates step and comprises:

B1, when the described information of signing and issuing when signing and issuing, transaction receiving system eCheck generation module generates this wire transfer check system archive information according to described trading instruction information, this wire transfer check system archive information comprises the Word information communication system banner and have the described beneficiary user number information of uniqueness in its communication system, the wire transfer check identifier and the wire transfer check information that in described transaction receiving system, have uniqueness, described transaction receiving system sends the described system file information that generates, this system file information finally is sent to eCheck checking treatment system as the irrevocable promise of payment electronic certificate of paying party, is recorded in the eCheck database of eCheck checking treatment system;

Described Word information communication system banner can be distinguished the individual identification keys of different literals information communication system (as SMS, QQ, MSN, E-mail address etc.) by the automatic generation of communication system that system selects for use according to beneficiary, avoids influencing its uniqueness because of the repetition that user number between the different literals information communication system may exist.

B2, when the described information of signing and issuing when signing and issuing, transaction receiving system eCheck generation module generates wire transfer paying by check voucher Word message according to described trading instruction, submit this wire transfer paying by check voucher Word message and described beneficiary Word information communication system user number to wire transfer check transfer system, described wire transfer paying by check voucher Word message comprises described wire transfer check identifier and described wire transfer check information;

When the described information of signing and issuing is refusal when signing and issuing, transaction receiving system eCheck generation module finishes the information processing of this wire transfer check;

Step B2 can be before step B1, carry out simultaneously afterwards or with step B1;

Described wire transfer check sends and receiving step comprises:

The Electronic Transfer check sending module of C1, Electronic Transfer check transfer system sends to beneficiary wire transfer check with this wire transfer paying by check voucher Word message through communication network and receives and point out the system that cashes;

C2, the reception of beneficiary wire transfer check and prompting are cashed system and are received described wire transfer paying by check voucher Word message;

Described wire transfer check prompting is cashed step and is comprised:

The Word information communication terminal that D1, beneficiary receive by beneficiary wire transfer check and system is cashed in prompting sends prompting and cashes command information and cash information receiving module to the eCheck prompting of Electronic Transfer check transfer system, and this prompting is cashed command information and comprised cashing and instruct private code and described wire transfer check identifier;

D2, bank electronic check transfer system read described prompting cash the instruction and send this prompting cash the instruction and prompting cash the date to wire transfer check checking treatment system;

Described wire transfer check legitimacy verification and transaction steering order output step comprise:

E1, wire transfer check checking treatment system electronic check verification module are taken out respective electronic check for transfer system file information according to the present the bill for payment command information that receives from the eCheck database;

E2, wire transfer check checking treatment system cash the corresponding wire transfer check system archive information of storing in date and the eCheck database judgement of comparing, the legitimacy of verification present the bill for payment command information with the present the bill for payment command information that receives and prompting;

E3, legal when the present the bill for payment command information, wire transfer check checking treatment system transaction steering order output module is carried out Account Disposal transaction steering order to the output of one's own profession Account Disposal system, and this transaction steering order comprises the check element information; When the present the bill for payment command information illegal, wire transfer check checking treatment system transaction steering order output module is refused the transaction steering order to the output of wire transfer check transfer system, will refuse transaction steering order notice beneficiary wire transfer check by wire transfer check transfer system and receive and point out the system that cashes;

Described wire transfer check capital settlement step comprises:

F1, after one's own profession account settlement processing system receives the execution Account Disposal transaction steering order of wire transfer check checking treatment system transaction steering order output module submission, do following processing according to corresponding described check element information: when the paying party account, the beneficiary account exists, information is correct, state is normal, when the paying party account balance is enough to pay, fund is deducted from payer account, change account payee over to, when account payee is manageed it account for him, the instruction that will keep accounts submits to him to manage it the processing that keeps accounts of Account Disposal system through one's own profession inter-bank account transfer processing module, transfers accounts successfully; Otherwise the failure of transferring accounts;

After F2, Account Disposal finish, the account settlement processing system with Account Disposal as a result return electron check only for account checking treatment system in the eCheck database, put down in writing.

In Electronic Transfer paying by check settlement method of the present invention, described beneficiary wire transfer check receives and points out the Word information communication terminal of the system that cashes is the mobile phone with character message communication function, described user number is the SIM card user number, and the communication network among the described step C1 is a movetext short message communication network; Or the Word information communication terminal that described beneficiary wire transfer check receives and system is cashed in prompting is the tool devices and handset having Internet, and described user number is an internet instantaneous communication system user number, and the communication network among the described step C1 is a mobile Internet; Or the Word information communication terminal that described beneficiary wire transfer check receives and system is cashed in prompting is the tool devices and handset having Internet, and described user number is an E-mail address, and the communication network among the described step C1 is a mobile Internet; Or the Word information communication terminal that described beneficiary wire transfer check receives and system is cashed in prompting is computer, and described user number is an internet instantaneous communication system user number, and the communication network among the described step C1 is wired or wireless internet; Or the Word information communication terminal that described beneficiary wire transfer check receives and system is cashed in prompting is computer, and described user number is an E-mail address, and the communication network among the described step C1 is wired or wireless internet.

In Electronic Transfer paying by check settlement method of the present invention, described paying party check for transfer Message Entry System is the network insertion Word information communication terminal that comprises described paying party user log-in block and check information typing module, and described paying party check for transfer is signed and issued system and comprised that described paying party user log-in block and Electronic Transfer check sign and issue the network insertion Word information communication terminal of module.

In Electronic Transfer paying by check settlement method of the present invention, described wire transfer check identifier be the date+in described transaction receiving system the same day unique segmentation serial number or beneficiary Word information communication system user number+in described transaction receiving system to the unique segmentation serial number of this beneficiary or payee's Word information communication system banner and user number+date+in described transaction receiving system to this beneficiary unique segmentation serial number on the same day.

In Electronic Transfer paying by check settlement method of the present invention, described step F 2 comprises: the account settlement processing system returns the Account Disposal object information to beneficiary wire transfer check through the eCheck transfer system and receives and point out the system that cashes.

In Electronic Transfer paying by check settlement method of the present invention, described step C2 comprises: after described beneficiary wire transfer check receives and prompting cashes system and receive described wire transfer paying by check voucher Word message, reply described Electronic Transfer check transfer system, affirmation or refusal are accepted this wire transfer paying by check voucher.

In Electronic Transfer paying by check settlement method of the present invention, when described beneficiary wire transfer check at the appointed time receives and prompting is cashed system and replied when confirming to accept described wire transfer paying by check voucher, described transaction receiving system is accepted the result with this affirmation and is fed back to paying party;

When described beneficiary wire transfer check at the appointed time receives and prompting is cashed system and replied refusal when accepting described wire transfer paying by check voucher, described Electronic Transfer check transfer system is cancelled this wire transfer paying by check voucher, put down in writing in the eCheck database of described wire transfer check checking treatment system, described transaction receiving system feeds back the result to paying party;

When described wire transfer check transfer system does not at the appointed time receive that described beneficiary wire transfer check receives and prompting when cashing the return information of system, arrange described wire transfer check transfer system and be defaulted as that described beneficiary confirms to accept described wire transfer paying by check voucher or refusal is accepted described wire transfer paying by check voucher.

In Electronic Transfer paying by check settlement method of the present invention, described paying party check for transfer Message Entry System comprises paying party eCheck enquiry module, after described wire transfer check generation step is finished, comprise the paying party query steps, this paying party query steps comprises:

M1, paying party operator login self-service dealing system of the bank of deposit, after authentication, select paying party eCheck enquiry module, and to transaction receiving system Sending Payments side query statement, this paying party query statement comprises paying party inquiry private code;

M2, transaction receiving system return Query Result to paying party check for transfer Message Entry System;

With or described paying party check for transfer sign and issue system and comprise paying party eCheck enquiry module, described wire transfer check generates step finish after, comprise the paying party query steps, this paying party query steps comprises:

N1, paying party approving person login self-service dealing system of the bank of deposit, after authentication, select paying party eCheck enquiry module, and to transaction receiving system Sending Payments side query statement, this paying party query statement comprises paying party inquiry private code;

N2, transaction receiving system are signed and issued system to the paying party check for transfer and are returned Query Result.

In Electronic Transfer paying by check settlement method of the present invention, the paying party query statement of described query steps M1 comprises the wire transfer check identifier that needs inquiry, and described query steps M2 comprises: the transaction receiving system returns described Electronic Transfer check current state Query Result to paying party check for transfer Message Entry System.

In Electronic Transfer paying by check settlement method of the present invention, described beneficiary wire transfer check reception and prompting are cashed system and are comprised beneficiary eCheck enquiry module, after described wire transfer check transmission and receiving step are finished, comprise the beneficiary query steps, this beneficiary query steps comprises:

P1, beneficiary are chosen beneficiary eCheck enquiry module, editor's beneficiary query statement is sent to described wire transfer check transfer system, and this beneficiary query statement comprises beneficiary inquiry private code;

P2, wire transfer check transfer system judge inquiry system whether the beneficiary wire transfer check of appointment receive and system is cashed in prompting, when inquiry system is that the beneficiary wire transfer check of described appointment receives and prompting when cashing system, send Query Result to this inquiry system, otherwise stop inquiry.

In Electronic Transfer paying by check settlement method of the present invention, the beneficiary query statement of described query steps P1 comprises the Electronic Transfer check identifier that needs inquiry, and described query steps P2 comprises: wire transfer check transfer system sends described Electronic Transfer check current state Query Result to described inquiry system.

Implement Electronic Transfer check system of the present invention and payment and settlement method thereof, compared with the prior art, its beneficial effect is:

1. realize making full use of existing terminal device of society and public network and carried out the wire transfer settlement by check, had advantages such as investment is little, cost is low, popularize easily;

2. adopt when having the network insertion Word information communication terminal that moves now, can realize using the Electronic Transfer check to conclude the business whenever and wherever possible, bring real facility to the user;

3. universal enforcement of the present invention has very high economic benefit and social benefit.

Description of drawings

The invention will be further described below in conjunction with drawings and Examples, in the accompanying drawing:

Fig. 1 is the structural drawing of a kind of embodiment of Electronic Transfer check system of the present invention.

Fig. 2 is the transaction flow figure of a kind of embodiment of wire transfer check information typing in the Electronic Transfer paying by check settlement method of the present invention.

Fig. 3 is the transaction flow figure that the wire transfer check is signed and issued a kind of embodiment in the Electronic Transfer paying by check settlement method of the present invention.

Fig. 4 be in the Electronic Transfer paying by check settlement method of the present invention wire transfer check prompting cash, the transaction flow figure of verification and Account Disposal;

Fig. 5 is the transaction flow figure that the wire transfer check is signed and issued another kind of embodiment in the Electronic Transfer paying by check settlement method of the present invention.

Fig. 6 is that paying party is to the process flow diagram of Electronic Transfer check status poll in the Electronic Transfer paying by check settlement method of the present invention.

Fig. 7 is that beneficiary is to the process flow diagram of Electronic Transfer check status poll in the Electronic Transfer paying by check settlement method of the present invention.

Embodiment

As shown in Figure 1, Electronic Transfer check system of the present invention comprise transaction receiving system 20, paying party check for transfer Message Entry System 10, paying party check for transfer sign and issue system 30, wire transfer check transmit be 60, wire transfer check checking treatment system 70, beneficiary wire transfer check receives and prompting is cashed system 50, one's own profession Account Disposal system 80 and he and manageed it Account Disposal system 90.

Beneficiary wire transfer check receives and the user number 52 that system 50 comprises Word information communication terminal 51 and uses for this literal information communication terminal 51 is cashed in prompting, and user number 52 has uniqueness in its related words information communication system.Word information communication terminal 5 includes but not limited to mobile phone, computer etc., and correspondingly user number 52 is cell-phone number (being determined by SIM card (Subscriber Identity Module Subscriber Identity Module)), QQ user number, MSN user number, E-mail address etc.

One's own profession Account Disposal system 80 is the bank accounting disposal system of existing enforcement Electronic Transfer paying by check account settlement business, comprises one's own profession beneficiary accounts database 82, one's own profession paying party accounts database 81, transfer transactions processing module 83 and one's own profession inter-bank account transfer processing module 84.

He manages it Account Disposal system 90 for existing and one's own profession Account Disposal system 80 carry out the bank accounting disposal system of Electronic Transfer paying by check account settlement business, comprises that he manage it inter-bank account transfer processing module 91 and manage it beneficiary accounts database 92 with him.

Transfer transactions processing module 83 is used for carrying out money transfer transactions and handles and data interaction between one's own profession beneficiary accounts database 82 and one's own profession paying party accounts database 81.At beneficiary is that he is when manageing it the client, transfer transactions processing module 83 manage it the data interaction of inter-bank account transfer processing module 91 by one's own profession inter-bank account transfer processing module 84 with his, realizes that one's own profession paying party accounts database 81 and he manages it money transfer transactions processing and data interaction between the beneficiary accounts database 92.

Paying party check for transfer Message Entry System 10 comprises paying party user log-in block 11 and check information typing module 12, transaction receiving system 20 comprises paying party user verification module 21 and Electronic Transfer check generation module 22, the paying party check for transfer is signed and issued system 30 and is comprised that paying party user log-in block 31 and eCheck sign and issue module 32, wire transfer check transfer system 60 comprises that the prompting of eCheck sending module 61 and eCheck cashes information receiving module, and wire transfer check checking treatment system 70 comprises the transaction steering order output module 71 that order is carried out data interaction, eCheck verification module 72 and eCheck database 73.

Paying party check for transfer Message Entry System can adopt the network insertion Word information communication terminal of built-in paying party user log-in block 11 and check information typing module 12, computer as client softwares such as built-in paying party user log-in block 11 and check information typing modules 12, mobile phone etc., also can adopt paying party user log-in block 11 and check information typing module 12 are built in mode in the server of banking system, the client is by adopting computer, communication facilitiess such as mobile phone pass through Web bank, telephone banks etc. conduct interviews to paying party check for transfer Message Entry System.

Equally, the system of signing and issuing the paying party check for transfer also can adopt built-in paying party user log-in block 31 and Electronic Transfer check to sign and issue the network insertion Word information communication terminal of module 32, sign and issue the computer of client softwares such as module 32 as built-in paying party user log-in block 31 and Electronic Transfer check, mobile phone etc., also can adopt paying party user log-in block 31 and Electronic Transfer check are signed and issued mode in the server that module 32 is built in banking system, the client is by adopting computer, communication facilitiess such as mobile phone pass through Web bank, telephone banks etc. sign and issue system to the paying party check for transfer and conduct interviews.

In other embodiments, in order to realize the function of paying party inquiry Electronic Transfer check state, in above-mentioned paying party check for transfer Message Entry System 10, paying party eCheck enquiry module also is set, or sign and issue in the system 30 at above-mentioned paying party check for transfer, paying party eCheck enquiry module also is set, or signs and issues at above-mentioned paying party check for transfer Message Entry System 10, paying party check for transfer paying party eCheck enquiry module is set respectively in the system 30.

In other embodiments, in order to realize the function of beneficiary inquiry Electronic Transfer check state, cash built-in beneficiary eCheck enquiry module in the system 50 in above-mentioned beneficiary wire transfer check reception and prompting.

Transaction receiving system 20 is used for carrying out verification by the user login information of 40 pairs of paying party checks for transfer of communication network information input terminal 10, check entry information according to paying party check for transfer information input terminal 10 generates Electronic Transfer check system archive information and evidence for payment Word message, the check of signing and issuing terminal 30 according to the paying party check for transfer is signed and issued information the Electronic Transfer paying by check voucher Word message that generates is sent to wire transfer check transfer system 60, the system file information that generates finally is sent to eCheck database 73, as system file information being sent to wire transfer check transfer system 60 earlier, be sent to wire transfer check checking treatment system 70 by wire transfer check transfer system 60 again, be stored in the eCheck database 73; Also can directly be sent to wire transfer check checking treatment system 70, be stored in the eCheck database 73 by transaction receiving system 20.

Wire transfer check transfer system 60 is used for receiving and prompting cashes that system 50 sends Electronic Transfer paying by check voucher Word messages, reception and beneficiary wire transfer check received and prompting that system 50 is cashed in prompting is cashed the instruction of Electronic Transfer check and is sent to wire transfer check checking treatment system 70 to beneficiary wire transfer check by communication network 40.

Above-mentioned communication network 40 includes but not limited to internet, voice frequency telephone network or mobile communications network etc. for satisfying the communication network of corresponding system (paying party check for transfer Message Entry System 10, paying party check for transfer sign and issue system 30 or beneficiary wire transfer check receives and system 50 is cashed in prompting) communicating requirement.

For example, when beneficiary wire transfer check receives and points out the Word information communication terminal of cashing system 50 is the mobile phone with character message communication function, when user number is the SIM card user number, wire transfer check transfer system 60 receives with beneficiary wire transfer check and points out the communication network 40 of cashing system 50 to be movetext short message communication network, the evidence for payment Word message of Electronic Transfer check, the instruction of Electronic Transfer check is cashed in prompting, information such as Electronic Transfer check status poll instruction, can adopt short message mode to transmit, also can adopt E-mail mode to transmit.When beneficiary wire transfer check receives and points out the Word information communication terminal of cashing system 50 is the tool devices and handset having Internet, when user number is internet instantaneous communication system user number (as QQ number, MSN number etc.), wire transfer check transfer system 60 receives with beneficiary wire transfer check and points out the communication network 40 of cashing system 50 to be mobile Internet, and the evidence for payment Word message of Electronic Transfer check, prompting are cashed information such as the instruction of Electronic Transfer check, Electronic Transfer check status poll instruction and adopted instant message modes such as QQ or MSN to transmit.When beneficiary wire transfer check receives and points out the Word information communication terminal of the system that cashes is the tool devices and handset having Internet, when user number is E-mail address, wire transfer check transfer system 60 receives with beneficiary wire transfer check and points out the communication network 40 of cashing system 50 to be mobile Internet, and the evidence for payment Word message of Electronic Transfer check, prompting are cashed information such as the instruction of Electronic Transfer check, Electronic Transfer check status poll instruction and adopted E-mail mode to transmit.When beneficiary wire transfer check receives and points out the Word information communication terminal of the system that cashes is computer, when user number is internet instantaneous communication system user number, wire transfer check transfer system 60 receives with beneficiary wire transfer check and points out the communication network 40 of cashing system 50 to be wired or wireless internet, and the evidence for payment Word message of Electronic Transfer check, prompting are cashed information such as the instruction of Electronic Transfer check, Electronic Transfer check status poll instruction and adopted instant message modes such as QQ or MSN to transmit.When beneficiary wire transfer check receives and points out the Word information communication terminal of the system that cashes is computer, when user number is E-mail address, wire transfer check transfer system 60 receives with beneficiary wire transfer check and points out the communication network 40 of cashing system 50 to be wired or wireless internet, and the evidence for payment Word message of Electronic Transfer check, prompting are cashed information such as the instruction of Electronic Transfer check, Electronic Transfer check status poll instruction and adopted E-mail mode to transmit.

Wire transfer check checking treatment system 70 is used for that Electronic Transfer check instruction and prompting are cashed in the prompting that receives and cashes the date and carry out verification with the Electronic Transfer check system archive information that is stored in eCheck database 73, when verification is qualified, carry out the transaction steering order of Account Disposal transaction to 80 outputs of one's own profession Account Disposal system by transaction steering order output module 71.

Electronic Transfer paying by check settlement method of the present invention is realized Electronic Transfer paying by check account settlement business by above-mentioned Electronic Transfer check system.

To shown in Figure 5, Electronic Transfer paying by check settlement method of the present invention comprises successively as Fig. 2:

One, the typing of wire transfer check with sign and issue step

Two, the wire transfer check generates step

Three, the wire transfer check sends and receiving step

Four, step is cashed in the prompting of wire transfer check

Five, verification of wire transfer check legitimacy and transaction steering order output step

Six, wire transfer check capital settlement step

Wherein:

The typing of wire transfer check with sign and issue step and comprise:

A1, paying party operator login self-service dealing system of the bank of deposit, after authentication, select wire transfer paying by check instruction input function module 11, typing is included in beneficiary user number information and the wire transfer check information that has uniqueness in its communication system, submit the transaction receiving system to through communication network, submit transaction receiving system 20 to through communication network 40.The number information of beneficiary Word information communication terminal can be that beneficiary designated person cell-phone number, beneficiary are specified QQ user number, MSN user number, E-mail address etc., and the wire transfer check information includes but not limited to check element informations such as payer's account number, payer's name in an account book, payee's account number, payee's name in an account book, payee bank of deposit, transfer amount, purposes, date of draft.

The paying party approving person that A2, transaction receiving system 20 submit to bank to authorize above-mentioned entry information examines.Can by communication network 40 above-mentioned entry information is sent to eCheck and be signed and issued module 32 by transaction receiving system 20, the paying party approving person who is authorized by bank logins and examines after eCheck is signed and issued module 32.Also can this information be sent check information to be examined through communication network 40 (movetext communication information transmission network) to paying party user's (authorized approver person) Word information communication terminals such as signatory mobile phone, examine by this user by transaction receiving system 20.

The paying party approving person that A3, bank are authorized submits the information of signing and issuing of this wire transfer check to transaction receiving system 20 by communication network 40.The information of signing and issuing can be signed and issued for signing and issuing or refusing.

When the paying party approving person that bank is authorized will not ratify this wire transfer check, this wire transfer check was abrogated, and transaction receiving system eCheck generation module finishes the information processing of this wire transfer check.

Paying party user (authorized approver person) logins self-service dealing system of the bank of deposit (as Net silver or telephone bank or other channels), after finishing the paying party authentication, select eCheck to examine and sign and issue functional module 32, submit to the eCheck generation module 22 of transaction receiving system 20 to sign and issue this check for transfer through communication network 40 (as internet or voice frequency telephone network or other information transmission networks).

Or paying party user's (authorized approver person) Word information communication terminals such as signatory mobile phone receive to wait to examine and reply the agreement instruction after the check information, submit to the eCheck generation module 22 of transaction receiving system 20 to sign and issue this check for transfer through communication network 40 (movetext communication information transmission network).

The typing of above-mentioned wire transfer check with sign and issue trading instruction information that step forms and comprise that number information, wire transfer check information and the wire transfer check of the beneficiary Word information communication terminal of appointment sign and issue information.

The wire transfer check generates step and comprises:

B1, when the described information of signing and issuing when signing and issuing, transaction receiving system eCheck generation module 22 generates the system file information of this wire transfer check according to above-mentioned trading instruction information, this wire transfer check system archive information comprises the Word information communication system banner and have the beneficiary user number information of uniqueness in its communication system, the wire transfer check identifier and the wire transfer check information that in transaction receiving system 20, have uniqueness, transaction receiving system 20 sends the system file information that generates, this system file information finally is sent to eCheck checking treatment system 70 as the irrevocable promise of payment electronic certificate of paying party, is recorded in the eCheck database 73 of eCheck checking treatment system 70.

When the described information of signing and issuing when signing and issuing, transaction receiving system 20 can be sent to the system file information of wire transfer check wire transfer check transfer system 60, be sent to eCheck checking treatment system 70 by wire transfer check transfer system 60 again and be recorded in the eCheck database 73, transaction receiving system 20 also can be directly be sent to eCheck checking treatment system 70 with the system file information of wire transfer check and be recorded in the eCheck database 73, transaction receiving system 20 can also adopt other modes that the system file information of wire transfer check finally is sent to eCheck checking treatment system 70, is recorded in the eCheck database 73.

When the information of signing and issuing was signed and issued for refusal, transaction receiving system eCheck generation module finished the information processing of this wire transfer check.

Wherein, wire transfer check identifier only need guarantee that having uniqueness in the transaction receiving system gets final product, and its preparation method includes but not limited to:

(1) continuous serial number (in the transaction receiving system, never repeating);

(2) date+the segmentation serial number (the transaction receiving system in the same day do not repeat);

(3) specific payee's Word information communication system user number+segmentation serial number (same specific payee's Word information communication system banner+user number is never repeated in the transaction receiving system);

(4) specific payee's Word information communication system user number+date+segmentation serial number (same specific payee's Word information communication system banner+user number was not repeated the same day in the transaction receiving system);

(5) continuous serial number (in the transaction receiving system, never repeating)+1 or multidigit check code (pressing necessarily by the transaction receiving system according to check key element, bank's key, random number or other any information, rule generates automatically);

(6) date+segmentation serial number (do not repeat the same day in the transaction receiving system)+1 or multidigit check code (generating automatically by certain rule according to check key element, bank's key, random number or other any information) by the transaction receiving system;

(7) specific payee's Word information communication system user number+segmentation serial number (same specific payee's Word information communication system banner+user number is never repeated in the transaction receiving system)+1 or multidigit check code (generating automatically by certain rule according to check key element, bank's key, random number or other any information) by the transaction receiving system;

(8) specific payee's Word information communication system user number+date+segmentation serial number (same specific payee's Word information communication system banner+user number the same day in the transaction receiving system do not repeat)+1 or multidigit check code (generating automatically by certain rule according to check key element, bank's key, random number or other any information) by system.

To sign and issue quantitative requirement be principle to the length figure place of wire transfer check identifier establishment to guarantee to satisfy the system electronic check for transfer, for taking into account the convenience of subsequent operation, should shorten as far as possible simultaneously.

The Word information communication system banner can be distinguished the individual identification keys of different literals information communication system (as SMS, QQ, MSN, E-mail address etc.) by the automatic generation of communication system that system selects for use according to beneficiary, avoids influencing its uniqueness because of the repetition that user number between the different literals information communication system may exist.

When having added specific payee's Word information communication system user in the wire transfer check identifier establishment, send to the wire transfer check identifier of specifying in the beneficiary wire transfer check payment by using short messages voucher Word message content and can omit specific payee's Word information communication system user number.

Wire transfer check system archive information content also can comprise other relevant information (as the paying party typing and sign and issue personnel's user number or terminal number and typing and sign and issue the time etc.), can suitably increase as required and reduce in the specific implementation.

B2, transaction receiving system eCheck generation module 22 generate wire transfer paying by check voucher Word message according to above-mentioned trading instruction, submit this wire transfer paying by check voucher Word message and beneficiary Word information communication system user number to wire transfer check transfer system, wire transfer paying by check voucher Word message comprises wire transfer check identifier and wire transfer check information.

Step B2 can be before step B1, carry out simultaneously afterwards or with step B1.

The wire transfer check sends and receiving step comprises:

The Electronic Transfer check sending module 61 of C1, Electronic Transfer check transfer system sends to beneficiary wire transfer check with this wire transfer paying by check voucher Word message through communication network 40 and receives and point out the system 50 that cashes.

When beneficiary wire transfer check receives and system 50 is cashed in prompting Word information communication terminal 51 adopts mobile phones, user number is when specifying the SIM card user number, and the communication network 40 among the step C1 is a movetext short message communication network.

C2, beneficiary wire transfer check receive and system's 50 reception wire transfer paying by check voucher Word messages are cashed in prompting.

In other embodiments, step C2 also comprises: after beneficiary wire transfer check receives and prompting converts system 50 and receive wire transfer paying by check voucher Word message, reply Electronic Transfer check transfer system 60, affirmation or refusal are accepted this wire transfer paying by check voucher.

When the check of beneficiary wire transfer at the appointed time receives and prompting is cashed system and replied when confirming to accept wire transfer paying by check voucher, the transaction receiving system is accepted the result with this affirmation and is fed back to paying party.

When at the appointed time, beneficiary wire transfer check receives and prompting is cashed system and replied refusal when accepting wire transfer paying by check voucher, Electronic Transfer check transfer system is cancelled this wire transfer paying by check voucher, put down in writing in the eCheck database of wire transfer check checking treatment system, the transaction receiving system feeds back the result to paying party.

When wire transfer check transfer system does not at the appointed time receive that beneficiary wire transfer check receives and prompting when cashing the return information of system, agreement wire transfer check transfer system is defaulted as that beneficiary confirms to accept wire transfer paying by check voucher or refusal is accepted wire transfer paying by check voucher.

When beneficiary wire transfer check receives and point out the system that cashes 50 answer refusal acceptance or case acquiescence mode to refuse to accept this wire transfer paying by check voucher, Electronic Transfer check transfer system 60 these wire transfer paying by check vouchers of cancellation, put down in writing in the eCheck database 73 of wire transfer check checking treatment system, transaction receiving system 20 feeds back the result to paying party.

The prompting of wire transfer check is cashed step and is comprised:

The Word information communication terminal 51 that D1, beneficiary receive by beneficiary wire transfer check and system 50 is cashed in prompting sends prompting and cashes command information and cash information receiving module 62 to the eCheck prompting of Electronic Transfer check transfer system 60, and this prompting is cashed command information and comprised cashing and instruct private code and wire transfer check identifier.

Cash the instruction private code and adopt the agreement code, cash instruction private code etc. as phonetic prefix " ZPTSFK " conduct of adopting " check present the bill for payment ".

D2, bank electronic check transfer system 60 read the prompting cash the instruction and send this prompting cash the instruction and prompting cash the date to wire transfer check checking treatment system 70.

Legitimacy verification of wire transfer check and transaction steering order output step comprise:

E1, wire transfer check checking treatment system electronic check verification module 72 are taken out respective electronic check for transfer system file information according to the present the bill for payment command information that receives from eCheck database 73.

E2, wire transfer check verification place system 70 cash the corresponding wire transfer check system archive information of storing in date and the eCheck database judgement of comparing, the legitimacy of verification present the bill for payment command information with the present the bill for payment command information that receives and prompting.

E3, legal when the present the bill for payment command information, wire transfer check checking treatment system transaction steering order output module 71 is carried out Account Disposal transaction steering order to 80 outputs of one's own profession Account Disposal system, and this transaction steering order comprises the check element information.When the present the bill for payment command information illegal, wire transfer check checking treatment system transaction steering order output module 71 is refused the transaction steering orders to 60 outputs of wire transfer check transfer system, will refuse transaction steering order notice beneficiary wire transfer check by wire transfer check transfer system 60 and receive and point out the system 50 that cashes.

Wire transfer check capital settlement step comprises:

F1, after one's own profession account settlement processing system 80 receives the execution Account Disposal transaction steering order of wire transfer check checking treatment system transaction steering order output module 71 submissions, do following processing according to corresponding check element information: when the paying party account, the beneficiary account exists, information is correct, state is normal, when the paying party account balance is enough to pay, fund is deducted from payer account, change account payee over to, when account payee is manageed it account for him, the instruction that will keep accounts submits to him to manage it the processing that keeps accounts of Account Disposal system through one's own profession inter-bank account transfer processing module 84, transfers accounts successfully; Otherwise the failure of transferring accounts;

After F2, Account Disposal finish, account settlement processing system 80 with Account Disposal as a result return electron check only for account checking treatment system 70 in eCheck database 73, put down in writing.

In other embodiments, comprise in the step F 2 that the Account Disposal object information is returned beneficiary wire transfer check through eCheck transfer system 60 receives and point out the system 50 that cashes.

Account Disposal result comprises: 1) paying party account, beneficiary account exist, information is correct, state is normal, the paying party account balance is enough to payment, and account transfer is handled successfully; 2) payment do not exist or cancellation account transfer handle that failure, the not enough account transfer of payment available balance handle that failure is handled in failure, the undesired account transfer of payment state, collecting account does not exist or the cancellation account transfer handle failure, the undesired account transfer of collecting account state and handle failure, beneficiary or paying party account name in an account book and be not inconsistent account transfer and handle failure etc.

As shown in Figure 6, in other embodiments, comprise the paying party query steps.After wire transfer check generation step was finished, paying party was inquired about the current state of wire transfer check according to following steps:

M1, paying party operator login self-service dealing system of the bank of deposit, after authentication, select paying party eCheck enquiry module, and to transaction receiving system Sending Payments side query statement, this paying party query statement comprises paying party inquiry private code.

In the paying party query statement, only comprise inquiry code, whole wire transfer checks of system queries paying party correspondence, when comprising inquiry code and wire transfer check identifier in the paying party query statement, system queries is specified the wire transfer check of identifier.

Paying party inquiry private code adopts the agreement code, cashes instruction private code etc. as phonetic prefix " ZPZFCX " conduct of adopting " paying by check inquiry ".

M2, transaction receiving system return Query Result to paying party check for transfer Message Entry System.

Query Result is the current state information of the Electronic Transfer check of looking into.

Perhaps, after wire transfer check generation step was finished, paying party was inquired about the current state of wire transfer check according to following steps:

N1, paying party approving person login self-service dealing system of the bank of deposit, after authentication, select paying party eCheck enquiry module, and to transaction receiving system Sending Payments side query statement, this paying party query statement comprises paying party inquiry private code.

Perhaps possess above-mentioned two kinds of inquiry modes simultaneously.

As shown in Figure 7, in other embodiments, comprise the beneficiary query steps.Send and after receiving step finished, beneficiary was inquired about the current state of wire transfer check according to following steps at the wire transfer check:

P1, beneficiary are chosen beneficiary eCheck enquiry module, editor's beneficiary query statement is sent to described wire transfer check transfer system, and this beneficiary query statement comprises beneficiary inquiry private code.

In the beneficiary query statement, only comprise inquiry code, whole wire transfer checks of system queries beneficiary correspondence, when comprising inquiry code and wire transfer check identifier in the beneficiary query statement, system queries is specified the wire transfer check of identifier.

Beneficiary inquiry private code employing agreement code is cashed instruction private code etc. as phonetic prefix " ZPSKCX " conduct of adopting " check gathering inquiry ".

P2, wire transfer check transfer system judge inquiry system whether (being the appointment of wire transfer check) of appointment beneficiary wire transfer check receives and system is cashed in prompting, when inquiry system is that the beneficiary wire transfer check of appointment receives and prompting when cashing system, send Query Result to this inquiry system, otherwise stop inquiry.

Claims

1. Electronic Transfer check system, comprise that one's own profession Account Disposal system and he manages it the Account Disposal system, described one's own profession Account Disposal system comprises one's own profession beneficiary accounts database, one's own profession paying party accounts database, transfer transactions processing module and one's own profession inter-bank account transfer processing module, it is described that he manages it the Account Disposal system and comprises that he manages it inter-bank account transfer processing module and he and manage it the beneficiary accounts database, described transfer transactions processing module is used for carrying out that money transfer transactions is handled and data interaction between one's own profession beneficiary accounts database and one's own profession paying party accounts database, and manages it money transfer transactions processing and data interaction between the beneficiary accounts database by the transfer accounts data interaction realization one's own profession paying party accounts database of processing module and he of one's own profession inter-bank account transfer processing module and his inter-bank of manage it;

2. Electronic Transfer check system as claimed in claim 1 is characterized in that, described communication network is internet, voice frequency telephone network or mobile communications network.

3. Electronic Transfer check system as claimed in claim 1, it is characterized in that, described beneficiary wire transfer check receives and points out the Word information communication terminal of the system that cashes is mobile phone, described user number is the SIM card user number, and described wire transfer check transfer system and described beneficiary wire transfer check receive and point out the communication network of the system that cashes is movetext short message communication network.

4. Electronic Transfer check system as claimed in claim 1, it is characterized in that, described paying party check for transfer Message Entry System is the network insertion Word information communication terminal that comprises described paying party user log-in block and check information typing module, and described paying party check for transfer is signed and issued system and comprised that described paying party user log-in block and Electronic Transfer check sign and issue the network insertion Word information communication terminal of module.

5. as the described Electronic Transfer check system of one of claim 1 to 4, it is characterized in that, described paying party check for transfer Message Entry System comprise paying party eCheck enquiry module and or described paying party check for transfer sign and issue system and comprise paying party eCheck enquiry module.

6. as the described Electronic Transfer check system of one of claim 1 to 4, it is characterized in that described beneficiary wire transfer check reception and prompting are cashed terminal and comprised beneficiary eCheck enquiry module.

7. Electronic Transfer paying by check settlement method, finish the payment and settlement transaction based on the Electronic Transfer check system, this Electronic Transfer check system comprises that one's own profession Account Disposal system and he manages it the Account Disposal system, described one's own profession Account Disposal system comprises one's own profession beneficiary accounts database, one's own profession paying party accounts database, transfer transactions processing module and one's own profession inter-bank account transfer processing module, it is described that he manages it the Account Disposal system and comprises that he manages it inter-bank account transfer processing module and he and manage it the beneficiary accounts database, described transfer transactions processing module is used for carrying out that money transfer transactions is handled and data interaction between one's own profession beneficiary accounts database and one's own profession paying party accounts database, and manages it money transfer transactions processing and data interaction between the beneficiary accounts database by the transfer accounts data interaction realization one's own profession paying party accounts database of processing module and he of one's own profession inter-bank account transfer processing module and his inter-bank of manage it;

Described wire transfer check generates step and comprises:

B2, when the described information of signing and issuing when signing and issuing, transaction receiving system eCheck generation module generates wire transfer paying by check voucher Word message according to described trading instruction, submit this wire transfer paying by check voucher Word message and described beneficiary Word information communication system banner and user number to wire transfer check transfer system, described wire transfer paying by check voucher Word message comprises described wire transfer check identifier and described wire transfer check information;

Described wire transfer check sends and receiving step comprises:

Described wire transfer check prompting is cashed step and is comprised:

Described wire transfer check capital settlement step comprises:

8. Electronic Transfer paying by check settlement method as claimed in claim 7, it is characterized in that, described beneficiary wire transfer check receives and points out the Word information communication terminal of the system that cashes is the mobile phone with character message communication function, described user number is the SIM card user number, and the communication network among the described step C1 is a movetext short message communication network; Or the Word information communication terminal that described beneficiary wire transfer check receives and system is cashed in prompting is the tool devices and handset having Internet, and described user number is an internet instantaneous communication system user number, and the communication network among the described step C1 is a mobile Internet; Or the Word information communication terminal that described beneficiary wire transfer check receives and system is cashed in prompting is the tool devices and handset having Internet, and described user number is an E-mail address, and the communication network among the described step C1 is a mobile Internet; Or the Word information communication terminal that described beneficiary wire transfer check receives and system is cashed in prompting is computer, and described user number is an internet instantaneous communication system user number, and the communication network among the described step C1 is wired or wireless internet; Or the Word information communication terminal that described beneficiary wire transfer check receives and system is cashed in prompting is computer, and described user number is an E-mail address, and the communication network among the described step C1 is wired or wireless internet.

9. Electronic Transfer paying by check settlement method as claimed in claim 7, it is characterized in that, described paying party check for transfer Message Entry System is the network insertion Word information communication terminal that comprises described paying party user log-in block and check information typing module, and described paying party check for transfer is signed and issued system and comprised that described paying party user log-in block and Electronic Transfer check sign and issue the network insertion Word information communication terminal of module.

10. Electronic Transfer paying by check settlement method as claimed in claim 7, it is characterized in that, described wire transfer check identifier be the date+in described transaction receiving system the same day unique segmentation serial number or beneficiary Word information communication system user number+in described transaction receiving system to the unique segmentation serial number of this beneficiary or payee's Word information communication system banner and user number+date+in described transaction receiving system to this beneficiary unique segmentation serial number on the same day.

11. Electronic Transfer paying by check settlement method as claimed in claim 7, it is characterized in that described step F 2 comprises: the account settlement processing system returns the Account Disposal object information to beneficiary wire transfer check through the eCheck transfer system and receives and point out the system that cashes.

12. as the described Electronic Transfer paying by check of one of claim 7 to 11 settlement method, it is characterized in that, described step C2 comprises: after described beneficiary wire transfer check receives and prompting cashes system and receive described wire transfer paying by check voucher Word message, reply described Electronic Transfer check transfer system, affirmation or refusal are accepted this wire transfer paying by check voucher.

13. Electronic Transfer paying by check settlement method as claimed in claim 12, it is characterized in that, when described beneficiary wire transfer check at the appointed time receives and prompting is cashed system and replied when confirming to accept described wire transfer paying by check voucher, described transaction receiving system is accepted the result with this affirmation and is fed back to paying party;

14. as the described Electronic Transfer paying by check of one of claim 7 to 11 settlement method, it is characterized in that, described paying party check for transfer Message Entry System comprises paying party eCheck enquiry module, after described wire transfer check generation step is finished, comprise the paying party query steps, this paying party query steps comprises:

15. Electronic Transfer paying by check settlement method as claimed in claim 14, it is characterized in that, the paying party query statement of described query steps M1 comprises the wire transfer check identifier that needs inquiry, and described query steps M2 comprises: the transaction receiving system returns described Electronic Transfer check current state Query Result to paying party check for transfer Message Entry System.

16. as the described Electronic Transfer paying by check of one of claim 7 to 11 settlement method, it is characterized in that, described beneficiary wire transfer check reception and prompting are cashed system and are comprised beneficiary eCheck enquiry module, after described wire transfer check transmission and receiving step are finished, comprise the beneficiary query steps, this beneficiary query steps comprises:

17. Electronic Transfer paying by check settlement method as claimed in claim 16, it is characterized in that, the beneficiary query statement of described query steps P1 comprises the Electronic Transfer check identifier that needs inquiry, and described query steps P2 comprises: wire transfer check transfer system sends described Electronic Transfer check current state Query Result to described inquiry system.