CN104574181A - Bank deposit system for self-employed businessman - Google Patents
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Abstract
The invention discloses a bank deposit system for a self-employed businessman. The bank deposit system comprises a bank system and a receiving teller handheld system, wherein the bank system comprises a processor, a deposit system, a host computer databank and a communication interface I; receiving teller information and security deposit information of all receiving tellers are stored in the host computer databank; the receiving teller handheld system comprises a login system, a deposit information entering system, a deposit request transmitting system and a communication interface II; after the bank system receives a deposit request, the processor compares the amount of the security deposit of a receiving teller with the amount of the deposit, when the available balance of the security deposit of the receiving teller is greater than the deposit, the deposit request is accepted, at the same time, the corresponding amount is subtracted from the available balance of the security deposit of the receiving teller and is added to the frozen amount of the security deposit of the receiving teller, and the host computer databank is updated. The bank deposit system meets the demands that self-employed businessmen need to deposit cash in a bank after the business is closed at night, prevents the potential safety hazard that the self-employed businessmen carry cash at night, and has the characteristics of reliability, high efficiency, security and convenience.
Description
Technical field
The invention belongs to areas of information technology, particularly a kind of cash in banks system for self-employed businessman.
Background technology
The life of depositing and drawing in bank business and the people is closely bound up, and current banking industry is deposited and withdrawn mainly three kinds of modes: the automatic depositing-withdrawing car of sales counter, fixing automatic teller machine and flowing.Generally, these three kinds of modes can roughly satisfy the demands, but for some specific groups, still there is comparatively serious defect.
Such as, for Sole Proprietorship trade company, mostly its daily business is cash deal, has strong deposit demand.But the general bank working time is that it is longer that Sole Proprietorship trade company then manages the time towards nine evenings five, the graduation time is often at night, be difficult to by the same day fund by sales counter stored in, carry turnover night and there is potential safety hazard, especially all the more so for some women trade companies.And fixing automatic teller machine, the region covered is limited, and Sole Proprietorship trade company needs to carry cash equally and goes to automatic teller machine position, also there is potential safety hazard.The automatic depositing-withdrawing car of flowing generally just meets the need in a period of time at special when and where, can not solve the deposit demand at Sole Proprietorship trade company night.
Summary of the invention
In order to overcome the shortcoming of above-mentioned prior art, the object of the present invention is to provide a kind of cash in banks system for self-employed businessman, cashier visits gathering, can by fund then and there stored in the account of self-employed entrepreneur, eliminate the potential safety hazard that night is carried cash by self-employed entrepreneur, there is reliable, efficient, safety, easily feature.
To achieve these goals, the technical solution used in the present invention is:
For the cash in banks system of self-employed businessman, comprise bank's end system and cashier's handheld terminal system, wherein:
Described bank end system comprises processor, deposit system, exchange database and communication interface one;
Described exchange database purchase has guaranty money's information of all cashier's information and all cashiers;
Described cashier's handheld terminal system comprises login system, deposit information input system, credit request transmitting system and communication interface two;
Described login system, for making cashier log in, consults guaranty money's information of this cashier information and this cashier after logging in;
Guaranty money's information of described cashier comprises guaranty money's total value, guaranty money's available balance and guaranty money and freezes the amount of money;
Described deposit information input system, for typing amount deposited and deposit account information, described deposit account information comprises depositor bank card number, bank card host name and bank card master cellular phone number;
Described credit request transmitting system, sends credit request to bank's end system after confirming deposit information;
Communicate between described communication interface two and communication interface one, credit request is mail to bank's end system;
After described bank end system receives credit request, cashier guaranty money remaining sum and amount deposited contrast by processor, when cashier guaranty money available balance is greater than amount deposited, then agree to deposit, deposit system according to the amount deposited in credit request and savings account by fund stored in, send deposit successful information to cashier's handheld terminal system; Deduct the corresponding amount of money in cashier guaranty money available balance simultaneously, freeze in the amount of money, to add the corresponding amount of money cashier guaranty money, upgrade exchange database;
Described bank end system, after acknowledging receipt of the cash fund that cashier returns, freezes cashier guaranty money to deduct the cash fund amount of money returned in the amount of money, adds the corresponding amount of money in cashier guaranty money available balance, upgrades exchange database;
Described bank end system, after confirming not receive within the time of setting the cash fund that cashier returns, freeze cashier guaranty money to deduct the cash fund amount of money that should return in the amount of money and guaranty money's total value, the corresponding amount of money proceeds to bank ledger with revenues and expenditures balanced, upgrades exchange database simultaneously.
In described processor, comprise accounting module, after described bank end system receives credit request, accounting module calculates deposit service charge and gathering service charge, deposit system institute stored in the amount of money be that amount deposited in credit request deducts the amount of money of depositing after service charge.
In described cashier's handheld terminal system, comprise accounting module, in deposit information input system after typing amount deposited and deposit account information, accounting module calculates deposit service charge and gathering service charge, in deposit information to be confirmed, comprise actual amount deposited and deposit service charge, described actual amount deposited and deposit service charge sum are the amount deposited of typing in deposit information input system.
Fund stored in rear, deduct stored in the amount of money in cashier guaranty money available balance, adds gathering commission amount by described deposit system; Freeze to add stored in the amount of money in the amount of money cashier guaranty money, upgrade exchange database.
Described deposit system by fund stored in rear, to cashier's personal account stored in gathering commission amount.
Described bank end system comprises credit risk management module, and in described bank, end system carries out active credit to cashier, and after credit, guaranty money's available balance of described cashier is actual available balance and accrediting amount sum.
Described cashier's handheld terminal system comprises credit request module, interim or long-term credit request is sent to described bank end system in described cashier's handheld terminal system, described bank end system is according to the history prestige refusal of this cashier or agree to the credit it being carried out to corresponding amount, and after credit, guaranty money's available balance of described cashier is actual available balance and accrediting amount sum.
Described bank end system also comprises savings account administration module, described account management module is used for making depositor at remote login, log-on message comprises deposit account information and trade company's business adress, after registration, when deposit information input system typing depositor's bank's card number, its excess-three item information automatic input.
Generate key after described registration, key in a coded form or visible carrier form exist, when described deposit information input system reads key information, automatic input log-on message.
Described cashier's handheld terminal system also comprises savings account and preserves module, described savings account is preserved module and is used for completing once successfully after deposit, the corresponding deposit account information of automatic preservation, so that directly choose corresponding depositor's information when next time deposits.
Compared with prior art, feature of the present invention is:
1, cashier visits gathering, by fund then and there stored in the account of self-employed entrepreneur, can eliminate the potential safety hazard that night is carried cash by self-employed entrepreneur, meets the demand of deposit at its night.
Although 2 generating portion may deposit service charge, can save the plenty of time, simultaneously safe and efficient, so have certain market outlook, bank's system of taking this can provide quality services more, thus solicits more clients, receives a large amount of deposit simultaneously.
3, because cashier pays guaranteed gold, and its gathering amount can not exceed guaranty money's total value under normal circumstances, and therefore bank need not bear cashier and take the risk that money do not hand over.
4, bank optionally can give the credit of the certain amount of cashier, and the similar credit card credit risk of credit risk, under the prerequisite of reasonable computation, this risk also can drop to minimum.
5, guaranty money can be not limited to cash format, and cashier can mortgage its physical property, and bank calculates guaranty money at a discount according to mortgage article.
6, sole risk of the present invention comes from cashier and carries the potential safety hazard that cash brings, namely, the risk of deposit account being carried cash has been married again with it cashier, but evade by mode that is reasonable, that close rule, such as double colleague, limit young men etc., carry out safety training simultaneously, this risk can be reduced to greatest extent.In any case because of, professional cashier take that money risk is also less than common trade company take money risk.
Accompanying drawing explanation
Fig. 1 is present system block diagram.
Embodiment
Embodiments of the present invention are described in detail below in conjunction with drawings and Examples.
Embodiment 1
The present invention is directed to the cash in banks system of self-employed businessman, as shown in Figure 1, comprise bank's end system and cashier's handheld terminal system, wherein: bank's end system comprises processor, deposit system, exchange database and communication interface one; Cashier's handheld terminal system comprises login system, deposit information input system, credit request transmitting system and communication interface two.
Exchange database purchase has guaranty money's information of all cashier's information and all cashiers.Login system, for making cashier log in, consults guaranty money's information of this cashier information and this cashier after logging in.Log in and can adopt account password, fingerprint, swipe the card, the various mode such as U shield.Guaranty money's information of cashier comprises guaranty money's total value, guaranty money's available balance and guaranty money and freezes the amount of money.
Deposit information input system, for typing amount deposited and deposit account information, deposit account information comprises depositor bank card number, bank card host name and bank card master cellular phone number.
Credit request transmitting system, sends credit request to bank's end system after confirming deposit information.
Communicated by real-time performance between communication interface two and communication interface one, credit request is mail to bank's end system, and receive the response result of bank's end system.
After bank's end system receives credit request, cashier guaranty money remaining sum and amount deposited contrast by processor, when cashier guaranty money available balance is greater than amount deposited, then agree to deposit, deposit system according to the amount deposited in credit request and savings account by fund stored in, send deposit successful information to cashier's handheld terminal system; Deduct the corresponding amount of money in cashier guaranty money available balance simultaneously, freeze in the amount of money, to add the corresponding amount of money cashier guaranty money, upgrade exchange database.
Bank's end system, after acknowledging receipt of the cash fund that cashier returns, freezes cashier guaranty money to deduct the cash fund amount of money returned in the amount of money, adds the corresponding amount of money in cashier guaranty money available balance, upgrades exchange database.Similarly, after bank end system confirms not receive within the time of setting the cash fund that cashier returns, freeze cashier guaranty money to deduct the cash fund amount of money that should return in the amount of money and guaranty money's total value, the corresponding amount of money proceeds to bank ledger with revenues and expenditures balanced, upgrades exchange database simultaneously.
Utilize above-mentioned cash in banks system, cashier first pays part guaranty money to bank, sets up margin account.Guaranty money can be cash format, also can be converting into money of guaranty.Bank gives its gathering authority afterwards, and collection amount is limited to guaranty money's available balance.Cashier is after gathering, and on-the-spot typing deposit account information, is confirmed by depositor, and after confirming, bank deposits to savings account within the scope of guaranty money's available balance.Next day, cashier is by received contribution by cash to bank, and bank recalculates its guaranty money's blocked balance and available balance.
Embodiment 2
Different from embodiment 1, in the present embodiment, accounting module is set at processor, after bank's end system receives credit request, accounting module calculates deposit service charge and gathering service charge, deposit system institute stored in the amount of money be that amount deposited in credit request deducts the amount of money of depositing after service charge.
That is, in this embodiment, deposit will collect service charge, particularly deposits for inter-bank.Collect service charge and can reduce gathering cost.
Embodiment 3
Similar to Example 2, also accounting module is set, but is arranged in cashier's handheld terminal system.In deposit information input system after typing amount deposited and deposit account information, accounting module calculates deposit service charge and gathering service charge, in deposit information to be confirmed, comprise actual amount deposited and deposit service charge, actual amount deposited and deposit service charge sum are the amount deposited of typing in deposit information input system.
In this embodiment, charging process is completed by cashier's handheld terminal system.But still module can be checked in bank's end system setting, if both result of calculations are different, then cannot complete deposit.
Embodiment 4
On the basis of embodiment 2 or 3, accounting module calculates gathering service charge simultaneously, and gathering service charge pays cashier the deduction that this is successfully collected money, and can improve its enthusiasm.
Fund stored in rear, deduct stored in the amount of money in cashier guaranty money available balance, adds gathering commission amount by deposit system; Freeze to add stored in the amount of money in the amount of money cashier guaranty money, upgrade exchange database.That is, directly gathering service charge is added margin account, promote guaranty money's amount.This mode is mainly applicable to dollar margin account.
Or, deposit system by fund stored in rear, to cashier's personal account stored in gathering commission amount, i.e. the direct private wage and salary account that gathering service charge Zhi Fuzhi cashier is reserved.This mode is mainly applicable to the margin account that guaranty is converted into money.
Embodiment 5
On the basis of embodiment 1, bank's end system sets up credit risk management module, and namely bank's end system can carry out active credit to cashier, and after credit, guaranty money's available balance of cashier is actual available balance and accrediting amount sum.
Embodiment 6
On the basis of embodiment 5, cashier's handheld terminal system sets up credit request module, utilize it can send interim or long-term credit request to bank's end system, bank's end system is according to the history prestige refusal of this cashier or agree to the credit it being carried out to corresponding amount, and after credit, guaranty money's available balance of cashier is actual available balance and accrediting amount sum.
It is good that embodiment 5 and embodiment 6 are mainly applicable to cashier's long-term performance, but the unable situation paying more guaranty money of individual.Or cashier's long-term performance is good, but certain total receipts degree is greater than its margin account total value, need the interim situation obtaining gathering right.The calculating of credit risk management module can refer to the pattern of the credit card accrediting amount.
Embodiment 7
On the basis of embodiment 1, bank's end system also comprises savings account administration module, account management module is used for making depositor at remote login, log-on message comprises deposit account information and trade company's business adress, after registration, when deposit information input system typing depositor's bank's card number, its excess-three item information automatic input.
Embodiment 8
On the basis of embodiment 7, after registration, can key be generated, key in a coded form or visible carrier such as U shield form exist, when deposit information input system reads key information, automatic input log-on message.
Embodiment 9
On the basis of embodiment 1, cashier's handheld terminal system comprises savings account and preserves module, savings account is preserved module and is used for, completing once successfully after deposit, automatically preserving corresponding deposit account information, so that directly choose corresponding depositor's information when next time deposits.
Setting in embodiment 7,8 and 9, mainly for the ease of Rapid input deposit account information, based on these embodiments, can complete deposit more quickly, and can not make mistakes.
Claims (10)
1. for the cash in banks system of self-employed businessman, it is characterized in that, comprise bank's end system and cashier's handheld terminal system, wherein:
Described bank end system comprises processor, deposit system, exchange database and communication interface one;
Described exchange database purchase has guaranty money's information of all cashier's information and all cashiers;
Described cashier's handheld terminal system comprises login system, deposit information input system, credit request transmitting system and communication interface two;
Described login system, for making cashier log in, consults guaranty money's information of this cashier information and this cashier after logging in;
Guaranty money's information of described cashier comprises guaranty money's total value, guaranty money's available balance and guaranty money and freezes the amount of money;
Described deposit information input system, for typing amount deposited and deposit account information, described deposit account information comprises depositor bank card number, bank card host name and bank card master cellular phone number;
Described credit request transmitting system, sends credit request to bank's end system after confirming deposit information;
Communicate between described communication interface two and communication interface one, credit request is mail to bank's end system;
After described bank end system receives credit request, cashier guaranty money remaining sum and amount deposited contrast by processor, when cashier guaranty money available balance is greater than amount deposited, then agree to deposit, deposit system according to the amount deposited in credit request and savings account by fund stored in, send deposit successful information to cashier's handheld terminal system; Deduct the corresponding amount of money in cashier guaranty money available balance simultaneously, freeze in the amount of money, to add the corresponding amount of money cashier guaranty money, upgrade exchange database;
Described bank end system, after acknowledging receipt of the cash fund that cashier returns, freezes cashier guaranty money to deduct the cash fund amount of money returned in the amount of money, adds the corresponding amount of money in cashier guaranty money available balance, upgrades exchange database;
Described bank end system, after confirming not receive within the time of setting the cash fund that cashier returns, freeze cashier guaranty money to deduct the cash fund amount of money that should return in the amount of money and guaranty money's total value, the corresponding amount of money proceeds to bank ledger with revenues and expenditures balanced, upgrades exchange database simultaneously.
2. according to claim 1 for the cash in banks system of self-employed businessman, it is characterized in that, in described processor, comprise accounting module, after described bank end system receives credit request, accounting module calculates deposit service charge and gathering service charge, deposit system institute stored in the amount of money be that amount deposited in credit request deducts the amount of money of depositing after service charge.
3. according to claim 1 for the cash in banks system of self-employed businessman, it is characterized in that, in described cashier's handheld terminal system, comprise accounting module, in deposit information input system after typing amount deposited and deposit account information, accounting module calculates deposit service charge and gathering service charge, in deposit information to be confirmed, comprise actual amount deposited and deposit service charge, described actual amount deposited and deposit service charge sum are the amount deposited of typing in deposit information input system.
4. according to Claims 2 or 3 for the cash in banks system of self-employed businessman, it is characterized in that, fund stored in rear, deduct stored in the amount of money in cashier guaranty money available balance, adds gathering commission amount by described deposit system; Freeze to add stored in the amount of money in the amount of money cashier guaranty money, upgrade exchange database.
5. according to Claims 2 or 3 for the cash in banks system of self-employed businessman, it is characterized in that, described deposit system by fund stored in rear, to cashier's personal account stored in gathering commission amount.
6. according to claim 1 for the cash in banks system of self-employed businessman, it is characterized in that, described bank end system comprises credit risk management module, in described bank, end system carries out active credit to cashier, and after credit, guaranty money's available balance of described cashier is actual available balance and accrediting amount sum.
7. according to claim 1 for the cash in banks system of self-employed businessman, it is characterized in that, described cashier's handheld terminal system comprises credit request module, interim or long-term credit request is sent to described bank end system in described cashier's handheld terminal system, described bank end system is according to the history prestige refusal of this cashier or agree to the credit it being carried out to corresponding amount, and after credit, guaranty money's available balance of described cashier is actual available balance and accrediting amount sum.
8. according to claim 1 for the cash in banks system of self-employed businessman, it is characterized in that, described bank end system also comprises savings account administration module, described account management module is used for making depositor at remote login, log-on message comprises deposit account information and trade company's business adress, after registration, when deposit information input system typing depositor's bank's card number, its excess-three item information automatic input.
9. according to claim 8 for the cash in banks system of self-employed businessman, it is characterized in that, after described registration, generate key, key in a coded form or visible carrier form exist, when described deposit information input system reads key information, automatic input log-on message.
10. according to claim 1 for the cash in banks system of self-employed businessman, it is characterized in that, described cashier's handheld terminal system also comprises savings account and preserves module, described savings account is preserved module and is used for completing once successfully after deposit, the corresponding deposit account information of automatic preservation, so that directly choose corresponding depositor's information when next time deposits.
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| CN201410815157.XA CN104574181B (en) | 2014-12-24 | 2014-12-24 | A kind of cash in banks system for self-employed businessman |
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| CN201410815157.XA CN104574181B (en) | 2014-12-24 | 2014-12-24 | A kind of cash in banks system for self-employed businessman |
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| CN104574181A true CN104574181A (en) | 2015-04-29 |
| CN104574181B CN104574181B (en) | 2018-03-16 |
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