CN102682404A - Method and system for market capital settlement and comprehensive financial service based on bank initiation - Google Patents
Method and system for market capital settlement and comprehensive financial service based on bank initiation Download PDFInfo
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Abstract
The invention discloses a method and a system for market capital settlement and comprehensive financial service based on bank initiation. The system comprises a banking platform, settlement centers, one or a plurality of transfer machines and one or a plurality of transaction integrated electronic scales, the settlement centers, the loading machines and the service clusters are arranged at one or a plurality of commerce markets, the banking platform consists of at least one bank front-end processor, at least one firewall and one or a plurality of service clusters, the service clusters and the bank front-end processors are connected with each other by network equipment, the bank front-end processors are connected with the settlement centers of the commerce markets by the firewalls and individual lines and connected with the loading machines or unloading machines by individual lines, and the loading machines and the unloading machines are disposed in the markets. A bank is an initiator of payment transaction, financial services including bank payment settlement, financing, intermediate business and the like are expanded to the commerce markets, tracing of information of buyers and sellers in the commerce markets are integrated with payment settlement and the comprehensive financial services, a financial service range of the bank is effectively enlarged, and the method and the system have the advantages of spontaneity, safety, uninterrupted service and the like.
Description
Technical field
The present invention relates to a kind of based on the market capital settlement of bank's initiation and the method and system of comprehensive financial service.
Background technology
Wholesale market of agricultural products (claiming the one-level wholesale market again) or commerce and trade market traceability system approximately occurred since 2002 at home, and the representative project is " the EAN/UCC coding scheme is in Application of Information System research of vegetables security traceability property and demonstration project " project in Article Numbering Center of China's " bar code forward engineer " of bearing in June, 2004 of Shandong Institute of Standardization.In fact traceability system is exactly to adopt informationalized means, realizes the electronization of voucher solicitation rope ticket, purchase and sale ledger system, adds logical node of strong convection and the responsibility control of managing main body, carries out electronic accounting in the wholesale market, guarantees to review the integrality of flow process.At present, medicine, food and agricultural product are as direct relation people's life safety, healthy three major types product, and the application development of its quality safety traceability system is very fast, has obtained good social effect.Although the application of traceability system has obtained certain progress, with regard to social total, also be at present and do things in his own way, disperse the state that develops; Means of settlement is single, does not also realize the networking intercommunication with commercial bank, for example; Chinese patent CN102314637A discloses raw grain safety tracing system and the method under a kind of scattering circulation condition; Its system comprises peasant household's debit card, and it is used for getting in commercial bank sells grain money and fiscal subsidy money, and the record grain relevant information of selling; One enterprise engaged in grain purchase and marketing accepts the unit and a grain middle man accepts the unit, and it reads the essential information of peasant household's debit card, and will sell grain information and write in peasant household's debit card; One grain purchases data management platform, it receives, and enterprise engaged in grain purchase and marketing accepts the unit and the grain middle man accepts the data that the unit is uploaded, and data are managed; One produces the enterprise information management unit, and grain middle man and purchase and sale enterprise sell manufacturing enterprise with grain, write down the grain marketing information that the grain purchases data management platform is uploaded by manufacturing enterprise's information management unit; One retail unit information management unit, the grain after manufacturing enterprise will process is sold supermarket or wholesale market, and writes down the relevant information of grain by the retail unit information management unit.This patented claim has been used essential information that " peasant household's debit card " store peasant household and has been sold grain information, and after grain is sold by peasant household, the buyer agent will sell grain information and deposit in peasant household's card, and peasant household can snap into commercial bank's access whereby and sell the grain of grain money and government and subsidize.The weak point of the disclosed technical scheme of this patented claim is that peasant household holds peasant household's debit card; The grain purchases merchant does not hold similar card; Peasant household must just can handle the business of withdrawing the money to bank in person, and bank not supported food buyer agent uses very inconvenience through using similar debit card handling bank business; Do not have network to connect between commerce and trade market and the bank, can not realize the electronic accounting of fund between the two.Though also being arranged, traceability system realized interconnected with bank; But this simple interconnected following deficiency that still exists: (1) capital settlement is initiated by commerce and trade market mostly; Its weak point is: at first be that commerce and trade market is difficult to accomplish work in 24 hours, the business handling time that receives restricts; Next is that security of system is not high, is unfavorable for applying; (2) some commerce and trade market demands banks set up an office in market, so that for the participant in the market provides the twenty four hours service, but because of the financial supervision system that receives China and the restriction of safety of payment, are difficult to use and implement.
Summary of the invention
The object of the invention promptly is to overcome the deficiency of prior art; Provide a kind of based on the market capital settlement of bank's initiation and the method and system of comprehensive financial service; Utilize advanced technological means to transform commerce and trade marketing pattern and transaction flow; To review information acquisition and combine together, and not only improve the authenticity and the validity of information acquisition, and guarantee the security and the convenience of payment and settlement, financing, intermediary service with comprehensive financial service; The level of IT application in commerce and trade market is improved in the field of expansion bank service.
The object of the invention is realized through following technical scheme: based on the market capital settlement of bank's initiation and the method for comprehensive financial service; Its participant comprises the buyer, the seller, bank and commerce and trade market, and it comprises that registration opens an account, supplements with money, concludes the business and settle accounts three steps;
Wherein, the described registration step of opening an account comprises following one or more substep:
S11: the buyer handles the registration formality to commerce and trade market clearing center, and gets and review IC-card;
S12: the seller handles the formality of putting on record to commerce and trade market clearing center, and gets and review IC-card;
S13: the buyer or the seller offer bank card account to bank;
S14: the buyer or the seller will review IC-card to bank and bind with the bank card of being offered;
The described step of supplementing with money comprises following any sub-steps:
S21: supplement with money to reviewing IC-card: if buyer's bank card has full-amount fund through bank card; Then directly deposit machine and carry out transfer of financial resources through circle; Fund on the bank card is changeed money to reviewing on the IC-card; Its operating process roughly is: the holder deposits machine through circle and logs on self-help bank's operation system, initiates transfer request and the relevant account information of typing to self-help bank's operation system, confirms errorless back submission money transfer transactions; Safe and reliable banking system, the realization bank card is supplemented with money to reviewing transferring accounts of IC-card;
S22: directly supplement with money to reviewing IC-card: the buyer holds cash to commerce and trade market clearing center, directly cash is deposited in through commerce and trade market clearing center and reviews IC-card;
Described transaction and clearing step comprise following any one or more substeps:
S31: accomplish transaction and clearing: behind the selected commodity of the buyer,, then buy, sell both sides and respectively hold and review IC-card if the buyer reviews IC-card through reviewing IC-card; On transaction one electronic scales, conclude the business and settle accounts, transaction one electronic scales identification is automatically reviewed IC-card, and differentiates the amount of money that the buyer reviews on the IC-card automatically and whether can accomplish this transaction; If can not accomplish this transaction, then prompting automatically is if can accomplish this transaction; Then deduct the corresponding amount of money; The seller provides the settlement of transactions voucher, and the buyer holds the settlement of transactions voucher and gets the corresponding commodity of purchase to the seller, accomplishes this transaction;
S32: directly accomplish transaction and clearing: behind the selected commodity of the buyer, if the buyer does not review IC-card, or the buyer reviews, and Sorry, your ticket has not enough value on the IC-card to accomplish this transaction; Sell the direction buyer and open trading card; The buyer holds the trading card business of arranging settlement of accounts to commerce and trade market clearing center, and after clearing were accomplished, the mind-set buyer provided the settlement of transactions voucher in the commerce and trade market clearing; The buyer holds the settlement of transactions voucher and gets corresponding commodity to the seller, accomplishes this transaction;
S33: the seller handles to commerce and trade market clearing center and sells the payment for goods account settlement business;
S34: buy, sell any side or both sides among the both sides and deposit machine through circle and carry out transfer of financial resources; The fund of reviewing on the IC-card is changeed money to bank card, perhaps the fund on the bank card is gone to and review IC-card, by means of the advantage of bank card; The access of 3A formula and the circulation of realization fund; Its payment and settlement flow process longitude circle is deposited machine and is initiated by bank's method, system, and described 3A formula is meant Anytime, Anywhere, Anything, and its operating process is with step S21.
Based on the market capital settlement of bank's initiation and the method for comprehensive financial service; It comprises that also a circle is deposited machine or circle is put forward machine inquiry into balance, cash-access step; Described circle is deposited machine or circle and is carried machine and independently set up in each commerce and trade market by bank; Review the IC-card holder and needn't arrive bank counter, can directly use circle to deposit machine or circle is carried machine, inquiry account balance or access cash.
The market capital settlement of initiating based on bank and the method for comprehensive financial service, it also comprises a finance services treatment step, reviews the IC-card holder and needn't arrive bank counter equally, can directly use circle to deposit machine or circle is carried machine purchase finance product.
The market capital settlement of initiating based on bank and the method for comprehensive financial service, it also comprises an intermediary service treatment step, reviews the IC-card holder and needn't arrive bank counter equally, can directly use to enclose the machine of depositing or circle and carry machine and pay water rate, the electricity charge etc.
Describedly buy, sell any side or both sides among the both sides when business is arranged settlement of accounts at the market clearing terminal, the settlement terminal staff need be with settlement information typing traceability system.
Based on the market capital settlement of bank's initiation and the system of comprehensive financial service; It comprises the banking platform, be arranged at the settlement center in one or more commerce and trade market, one or more transaction one electronic scales, and deposits machine or circle is carried machine by one or more circle that bank sets up in commerce and trade market;
Described settlement center comprises at least one front end processor, at least one fire wall, at least one account settlement server; Described account settlement server is connected with front end processor with transaction one electronic scales, market clearing terminal respectively, and front end processor is through fire wall and adopt special line to be connected with the banking platform;
Described banking platform comprises at least one bank pre-machine, at least one fire wall; And one or more groups server cluster; Described server cluster and bank pre-machine are interconnected through the network equipment; Bank pre-machine is connected with commerce and trade market clearing center through fire wall and special line, and bank pre-machine is also deposited machine or circle through special line and the circle of being located at commerce and trade market and carried machine and be connected.
The invention has the beneficial effects as follows:
(1) the present invention provides a kind of based on the market capital settlement of bank's initiation and the method and system of comprehensive financial service; Bank is as the initiator; Bank is provided with circle and deposits machine in market; Not only solved the problem that bank need set up an office in market, and the mature financial service of bank is extended to market, the field, fairground provides the comprehensive financial service (payment and settlement, financing, intermediary service etc.) of commodity transaction and bank in one; A kind of nothing payment, the clearing of no service charge are provided, have solved both parties and need carry difficult problems such as buckets of cash;
(2) the present invention provides a kind of based on the market capital settlement of bank's initiation and the method and system of comprehensive financial service; Utilize prior art to transform trade mode and flow process; Commerce and trade both sides information reviewed with payment and settlement and comprehensive financial service combine together; Implementing meat, vegetables circulation tracing management and carrying out on the basis of electronic transaction, promote large-scale market for farm products and carry out electronic accounting, thoroughly carry out Department of Commerce the uniform requirement that system is built is reviewed in meat, vegetables circulation;
(3) the present invention provides a kind of based on the market capital settlement of bank's initiation and the method and system of comprehensive financial service; Adopt private line access bank and market; The circle that adopts private line access bank and bank in market, to establish is deposited machine; Avoided using traditional internet model, realized completely cutting off, avoided business risk in physical link;
(4) the present invention provides a kind of and before access server, adopts fire rated wall structure based on the market capital settlement of bank's initiation and the method and system of comprehensive financial service, has ensured the confidentiality and the security of information transmission to greatest extent.
Description of drawings
Fig. 1 is a structured flowchart of the present invention;
Fig. 2 is a process flow diagram of the present invention;
Fig. 3 registers the process flow diagram of opening an account for the present invention;
Fig. 4 is recharge procedure figure of the present invention;
Fig. 5 is transaction of the present invention and settlement process figure;
Fig. 6 is the quick settlement process figure of buyer's fund of the present invention;
Fig. 7 is the quick settlement process figure of seller's fund of the present invention.
Embodiment
Below in conjunction with accompanying drawing the present invention is done further description, but protection scope of the present invention is not limited to the following stated.
As shown in Figure 1; Based on the market capital settlement of bank's initiation and the system of comprehensive financial service; It comprises the banking platform; And settlement center, one or more transaction one electronic scales of being arranged at one or more commerce and trade market, and deposit machine or circle is carried machine by one or more circle that bank sets up in commerce and trade market.
Described settlement center comprises at least one front end processor, at least one fire wall, at least one account settlement server; Described account settlement server is connected with front end processor with transaction one electronic scales, market clearing terminal respectively, and front end processor is through fire wall and adopt special line to be connected with the banking platform;
Described banking platform comprises at least one bank pre-machine, at least one fire wall; And one or more groups server cluster; Described server cluster and bank pre-machine are interconnected through the network equipment; Bank pre-machine is connected with commerce and trade market clearing center through fire wall and special line, and bank pre-machine is also deposited machine or circle through special line and the circle of being located at commerce and trade market and carried machine and be connected.
As shown in Figure 2, the market capital settlement of initiating based on bank and the method for comprehensive financial service, its participant comprises the buyer, the seller, bank and commerce and trade market, it comprises that registration opens an account, supplements with money, concludes the business and settle accounts three steps;
As shown in Figure 3, the described registration step of opening an account comprises following one or more substep:
S11: the buyer handles the registration formality to commerce and trade market clearing center, and gets and review IC-card;
S12: the seller handles the formality of putting on record to commerce and trade market clearing center, and gets and review IC-card;
S13: the buyer or the seller offer bank card account to bank;
S14: the buyer or the seller will review IC-card to bank and bind with the bank card of being offered;
As shown in Figure 4, the described step of supplementing with money comprises following any sub-steps:
S21: supplement with money to reviewing IC-card: if buyer's bank card has full-amount fund through bank card; Then directly deposit machine and carry out transfer of financial resources through circle; Fund on the bank card is changeed money to reviewing on the IC-card; Its operating process roughly is: the holder deposits machine through circle and logs on self-help bank's operation system, initiates transfer request and the relevant account information of typing to self-help bank's operation system, confirms errorless back submission money transfer transactions; Safe and reliable banking system, the realization bank card is supplemented with money to reviewing transferring accounts of IC-card;
S22: directly supplement with money to reviewing IC-card: the buyer holds cash to commerce and trade market clearing center, directly cash is deposited in through commerce and trade market clearing center and reviews IC-card;
As shown in Figure 5, described transaction and clearing step comprise following any one or more substeps:
S31: accomplish transaction and clearing: behind the selected commodity of the buyer,, then buy, sell both sides and respectively hold and review IC-card if the buyer reviews IC-card through reviewing IC-card; On transaction one electronic scales, conclude the business and settle accounts, transaction one electronic scales identification is automatically reviewed IC-card, and differentiates the amount of money that the buyer reviews on the IC-card automatically and whether can accomplish this transaction; If can not accomplish this transaction, then prompting automatically is if can accomplish this transaction; Then deduct the corresponding amount of money; The seller provides the settlement of transactions voucher, and the buyer holds the settlement of transactions voucher and gets the corresponding commodity of purchase to the seller, accomplishes this transaction;
S32: directly accomplish transaction and clearing: behind the selected commodity of the buyer, if the buyer does not review IC-card, or the buyer reviews, and Sorry, your ticket has not enough value on the IC-card to accomplish this transaction; Sell the direction buyer and open trading card; The buyer holds the trading card business of arranging settlement of accounts to commerce and trade market clearing center, and after clearing were accomplished, the mind-set buyer provided the settlement of transactions voucher in the commerce and trade market clearing; The buyer holds the settlement of transactions voucher and gets corresponding commodity to the seller, accomplishes this transaction;
S33: the seller handles to commerce and trade market clearing center and sells the payment for goods account settlement business;
S34: buy, sell any side or both sides among the both sides and deposit machine through circle and carry out transfer of financial resources; The fund of reviewing on the IC-card is changeed money to bank card, perhaps the fund on the bank card is gone to and review IC-card, by means of the advantage of bank card; The access of 3A formula and the circulation of realization fund; Its payment and settlement flow process longitude circle is deposited machine and is initiated by bank's method, system, and the 3A in the described 3A formula is meant Anytime, Anywhere, Anything, and its operating process is with step S21.
Based on the market capital settlement of bank's initiation and the method for comprehensive financial service; It comprises that also a circle is deposited machine or circle is put forward machine inquiry into balance, cash-access step; Review the IC-card holder and needn't arrive bank counter, can directly use circle to deposit machine or circle is carried machine, inquiry account balance or access cash;
The market capital settlement of initiating based on bank and the method for comprehensive financial service, it also comprises a finance services treatment step, reviews the IC-card holder and needn't arrive bank counter equally, can directly use circle to deposit machine or circle is carried machine purchase finance product.
Based on the market capital settlement of bank's initiation and the method for comprehensive financial service; It also comprises an intermediary service treatment step; Described intermediary service comprises business such as the stand expense of withholding, payment on behalf charges for water and electricity; Review the IC-card holder and needn't arrive bank counter equally, can directly use circle to deposit machine or circle and carry machine and pay water rate, the electricity charge etc.; Describedly buy, sell any side or both sides among the both sides when business is arranged settlement of accounts at the market clearing terminal, the settlement terminal staff need be with settlement information typing traceability system.
Below respectively from the flow process of buying, the seller comes the explanation fund to settle accounts fast:
As shown in Figure 6, the quick settlement process of buyer's fund is:
(1) buyer holds and reviews IC-card and handle the registration formality to commerce and trade market clearing center;
(2) buyer holds and reviews IC-card and deposit (carrying) machine and carry out transfer of financial resources to being located at circle in the market; Promptly fund is gone to and review IC-card from bank card (agricultural bank's card); Also can directly cash be deposited in and review IC-card, guarantee the needs of transaction funds at commerce and trade market clearing center;
(3) behind the selected commodity of the buyer, buy, sell both sides and hold and review IC-card and conclude the business through transaction one electronic scales and settle accounts, after clearing are accomplished; Sell the direction buyer and provide the settlement of transactions voucher; During transition, in time do not handle like the buyer and to review IC-card, or the buyer reviews, and Sorry, your ticket has not enough value on the IC-card to pay this transaction; And the buyer is unwilling when reviewing IC-card and supplement with money; Sell the direction buyer and open trading card, the buyer holds trading card to the settlement center business of arranging settlement of accounts, and the buyer settles accounts through bank card or cash.Transaction Information is by the staff of settlement center typing traceability system, and after clearing were accomplished, settlement center opened the settlement of transactions voucher to the buyer;
(4) buyer gets goods with the settlement of transactions voucher to the seller, and the buyer continues session down, and the intact back of buyer transaction appears on the scene;
(5) buyer holds and reviews IC-card and deposit (carrying) machine and carry out transfer of financial resources to circle, promptly from reviewing IC-card fund is gone to bank card (agricultural bank's card);
(6) handle the strange land like needs and transfer accounts or draw monetary transaction, can handle in any site of bank (agricultural bank) with bank card (agricultural bank's card).
As shown in Figure 7, the quick settlement process of seller's fund is:
(1) seller handles the formality and get and review IC-card put on record in market;
(2) seller with review IC-card and two the card (vegetables certificate of origin and inspection prove) handle the registration formalities of marching into the arena;
(3) behind the selected commodity of the buyer, buy, sell both sides and hold and review IC-card and conclude the business through transaction one electronic scales and settle accounts, after clearing are accomplished; Sell the direction buyer and provide the settlement of transactions voucher; During transition, in time do not handle like the buyer and to review IC-card, or the buyer reviews, and Sorry, your ticket has not enough value on the IC-card to pay this transaction; And the buyer is unwilling when reviewing IC-card and supplement with money; Sell the direction buyer and open trading card, the buyer holds trading card to the settlement center business of arranging settlement of accounts, and the buyer is through bank card or cash settlement.Transaction Information is by the staff of settlement center typing traceability system, and settlement center opens the settlement of transactions voucher to the buyer;
(4) be set in the certain hour section; After the certain hour section being exemplified as closing the transaction every day here; Also can be several hrs closing the transaction, closing the transaction weekly, closing the transaction in per two days or the like, the required commerce and trade market clearing of seller center is handled and is sold the payment for goods account settlement business;
(5) seller holds and reviews IC-card and deposit (carrying) machine to the circle in the market and carry out transfer of financial resources, promptly from reviewing IC-card fund is gone to bank card (agricultural bank's card);
(6) seller such as needs are handled the strange land formality of transferring accounts, and can handle transferred account service in the arbitrary site of bank (agricultural bank) with bank card (agricultural bank's card);
(7) seller such as needs make in cash, can handle in the arbitrary site of bank (agricultural bank) with bank card (agricultural bank's card) and draw monetary transaction.
Construction content of the present invention:
(1) settlement center and clearing point are set up according to the needs of trade management in market, the corresponding work personnel of organization arrangement, the transaction client business of arranging settlement of accounts of conveniently marching into the arena;
(2) market according to uniform requirement, is equipped with the transaction one electronic scales of sufficient amount according to the needs of realizing electronic transaction and electronic accounting;
(3) bank's special optical cable lays in bank (agricultural bank) in each market, guarantees the security needs of transaction data information;
(4) normally dock according to settlement system requirements on Construction and system of bank (agricultural bank) in market;
(5) bank (agricultural bank) is according to the trading volume in each market, and the circle that is equipped with some is deposited (carrying) machine (hardware), cooperates market realization circle to deposit (carrying) machine and docks with its traceability system.
Claims (5)
1. the market capital settlement of initiating based on bank and the method for comprehensive financial service, its participant comprises the buyer, the seller, bank and commerce and trade market, it is characterized in that: it comprises that registration opens an account, supplements with money, concludes the business and settle accounts three steps;
Wherein, the described registration step of opening an account comprises following one or more substep:
S11: the buyer handles the registration formality to commerce and trade market clearing center, and gets and review IC-card;
S12: the seller handles the formality of putting on record to commerce and trade market clearing center, and gets and review IC-card;
S13: the buyer or the seller offer bank card account to bank;
S14: the buyer or the seller will review IC-card to bank and bind with the bank card of being offered;
The described step of supplementing with money comprises following any sub-steps:
S21: supplement with money to reviewing IC-card: if buyer's bank card has full-amount fund through bank card; Then directly deposit machine and carry out transfer of financial resources through circle; Fund on the bank card is changeed money to reviewing on the IC-card; Its operating process roughly is: the holder deposits machine through circle and logs on self-help bank's operation system, initiates transfer request and the relevant account information of typing to self-help bank's operation system, confirms errorless back submission money transfer transactions; Safe and reliable banking system, the realization bank card is supplemented with money to reviewing transferring accounts of IC-card; If do not have full-amount fund on buyer's bank card, then supplement with money to bank card earlier, deposit machine through circle again and supplement with money to reviewing IC-card;
S22: directly supplement with money to reviewing IC-card: the buyer holds cash to commerce and trade market clearing center, directly cash is deposited in through commerce and trade market clearing center and reviews IC-card;
Described transaction and clearing step comprise following any one or more substeps:
S31: accomplish transaction and clearing: behind the selected commodity of the buyer,, then buy, sell both sides and respectively hold and review IC-card if the buyer reviews IC-card through reviewing IC-card; On transaction one electronic scales, conclude the business and settle accounts, transaction one electronic scales identification is automatically reviewed IC-card, and differentiates the amount of money that the buyer reviews on the IC-card automatically and whether can accomplish this transaction; If can not accomplish this transaction, then prompting automatically is if can accomplish this transaction; Then deduct the corresponding amount of money; The seller provides the settlement of transactions voucher, and the buyer holds the settlement of transactions voucher and gets the corresponding commodity of purchase to the seller, accomplishes this transaction;
S32: directly accomplish transaction and clearing: behind the selected commodity of the buyer, if the buyer does not review IC-card, or the buyer reviews, and Sorry, your ticket has not enough value on the IC-card to accomplish this transaction; Sell the direction buyer and open trading card; The buyer holds the trading card business of arranging settlement of accounts to commerce and trade market clearing center, and after clearing were accomplished, the mind-set buyer provided the settlement of transactions voucher in the commerce and trade market clearing; The buyer holds the settlement of transactions voucher and gets corresponding commodity to the seller, accomplishes this transaction;
S33: the seller handles to commerce and trade market clearing center and sells the payment for goods account settlement business;
S34: buy, sell any side or both sides among the both sides and deposit machine through circle and carry out transfer of financial resources, the fund of reviewing on the IC-card is changeed money to bank card, its operating process is with step S21.
2. the market capital settlement of initiating based on bank according to claim 1 and the method for comprehensive financial service is characterized in that: it comprises that also one is deposited machine by circle or circle is put forward machine inquiry into balance, cash-access step.
3. according to claim 1 based on the market capital settlement of bank's initiation and the method for comprehensive financial service, it is characterized in that: it also comprises a finance services treatment step.
4. according to claim 1 based on the market capital settlement of bank's initiation and the method for comprehensive financial service, it is characterized in that: it also comprises an intermediary service treatment step.
5. based on the market capital settlement of bank's initiation and the system of comprehensive financial service; It is characterized in that: it comprises the banking platform, is arranged at the settlement center in one or more commerce and trade market, one or more transaction one electronic scales, and deposits machine or circle is carried machine by one or more circle that bank sets up in commerce and trade market;
Described settlement center comprises at least one front end processor, at least one fire wall, at least one account settlement server; Described account settlement server is connected with front end processor with transaction one electronic scales, market clearing terminal respectively, and front end processor is through fire wall and adopt special line to be connected with the banking platform;
Described banking platform comprises at least one bank pre-machine, at least one fire wall; And one or more groups server cluster; Described server cluster and bank pre-machine are interconnected through the network equipment; Bank pre-machine is connected with commerce and trade market clearing center through fire wall and special line, and bank pre-machine is also deposited machine or circle through special line and the circle of being located at commerce and trade market and carried machine and be connected.
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| CN2012101661356A CN102682404A (en) | 2012-05-25 | 2012-05-25 | Method and system for market capital settlement and comprehensive financial service based on bank initiation |
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| CN2012101661356A CN102682404A (en) | 2012-05-25 | 2012-05-25 | Method and system for market capital settlement and comprehensive financial service based on bank initiation |
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| CN114691707A (en) * | 2022-05-27 | 2022-07-01 | 云账户技术(天津)有限公司 | Online cluster service configuration method, system, network equipment and storage medium |
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Application publication date: 20120919 |