CN107248115A - It is a kind of to keep accounts with receiving and paying out the monetary transaction processing method and system separated - Google Patents
It is a kind of to keep accounts with receiving and paying out the monetary transaction processing method and system separated Download PDFInfo
- Publication number
- CN107248115A CN107248115A CN201611195346.7A CN201611195346A CN107248115A CN 107248115 A CN107248115 A CN 107248115A CN 201611195346 A CN201611195346 A CN 201611195346A CN 107248115 A CN107248115 A CN 107248115A
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- China
- Prior art keywords
- cashier
- transaction
- operation information
- cash
- client
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The present invention discloses a kind of book keeping operation and receives and pays out the monetary transaction processing method and system separated, including：（1）Receive the monetary transaction request of client；Account Transaction History and cashier's operation information are generated according to monetary transaction request, cashier's operation information has the transaction verification voucher being associated；Read cashier's operation information and transaction verification voucher is verified, performed when being proved to be successful and extract cash operation；（2）Obtain the cash operation that prestores of client；According to the cash operation generation cashier's operation information that prestores, cashier's operation information has the transaction verification voucher being associated；Read cashier's operation information and transaction verification voucher is verified, Account Transaction History is generated when being proved to be successful.The present invention can reach that the shared cash handling device of multiple lowboys handles the purpose of monetary transaction on the premise of not transforming the existing lowboy system of bank.
Description
Technical field
The present invention relates to funds transaction processing method, and in particular to a kind of book keeping operation is with receiving and paying out the monetary transaction processing side separated
Method and system.
Background technology
Lowboy service is an important channel of domestic commercial banks site service, according to regulatory requirements, the current nothing of lowboy
Method accepts monetary transaction, and monetary transaction can only arrive site high cube container and handle, due to the unbalanced of high-low cabinet portfolio and be difficult to it is accurate
Prediction, reduces the Human resources efficiency of bank, in order to solve this problem, cash equipment can be introduced in lowboy existing to handle
Golden business, such as introduces silver cabinet, whole cash dispenser, ATM equipment is handled the deposit or the withdrawal.This just brings two other problem：
One is system reform problem, in lowboy using cash equipment and accept monetary transaction it is necessary to the cabinet plane system of bank carry out
Transformation, project work amount is big, project examination flow is complicated, particularly if only there is this demand branch bank site, head office is not
Certain approval project verification is transformed；Two be the multiplying question of cash equipment, if each lowboy configures cash handling device, into
This is very high.
The content of the invention
Goal of the invention：Present invention aims at kept accounts and showing that cashier separates there is provided a kind of in view of the shortcomings of the prior art
Golden method for processing business and system, implement according to the method, can be before not transformed the existing lowboy system of bank
Put, reach that the shared cash handling device of multiple lowboys handles the purpose of monetary transaction.
Technical scheme：Book keeping operation of the present invention comprises the following steps with receiving and paying out the monetary transaction processing method separated：
（1）Receive the monetary transaction request of client；
Account Transaction History and cashier's operation information are generated according to monetary transaction request, cashier's operation information, which has, to be associated
Transaction verification voucher；
Read cashier's operation information and transaction verification voucher is verified, performed when being proved to be successful and extract cash operation；
（2）Obtain the cash operation that prestores of client；
According to the cash operation generation cashier's operation information that prestores, cashier's operation information have the transaction verification that is associated with
Card；
Read cashier's operation information and transaction verification voucher is verified, Account Transaction History is generated when being proved to be successful.
Above-mentioned technical proposal is further improved, the Account Transaction History and cashier's operation information are by accessing two each other
System that is independent and not exchanging data mutually is separately generated.Believed by setting two systems independent of each other to be stored separately account trading
Breath and cashier's operation information, both data are independent of each other, unrelated, improve the security of information transfer.
Further, the Account Transaction History and cashier's operation information are independently of one another and mutual to two by common Client end
The system for not exchanging data separately accesses generation.
Further, the cashier's operation information that reads is realized by following any mode：Identification, which is stored with, receives and pays out behaviour
Make cash handler's document of information, the client certificate of identification cashier's operation information interlock account, identification cashier's operation information association
The account certificate of account.A variety of reading manners are set, that is, meets existing read and is accustomed to, and more for flexibility.
Further, the step（1）The middle cashier's operation information that reads is performed in withdrawal end equipment；The step（2）In
Cashier's operation information is read to perform in teller's end equipment.
Further, the transaction verification voucher is that disposable identifying code, client's fingerprint, client refer to vein, client's face
In any information.Using disposable identifying code without transforming existing equipment, verified using other biological feature
Mode meet prior art development need, while adding safety coefficient.
Further, the transaction verification voucher is by the self-defined generation of client or by generating cashier's operation information
System is automatically generated.The set-up mode of transaction verification voucher possesses flexibility and security.
The monetary transaction processing system that book keeping operation for realizing the above method is separated with cashier, including：Cash handler's equipment,
For the cash that prestores, credit transaction validating documents and/or checking withdrawal transaction verification voucher are set, extraction is performed when being proved to be successful
Cash is operated；Cash handler's system, is connected with cash handler's equipment, for generating with credit transaction validating documents and/or taking
Cashier's operation information of money transaction verification voucher；Bank counter system, does not communicate mutually with cash handler's system, for storing account
Information and Account Transaction History；Lowboy operating side, communicates be connected respectively, for connecing with bank counter system, cash handler's system
Receive the monetary transaction request of client, withdrawal transaction verification voucher is set, accessing bank counter system according to monetary transaction request enters
The management of row Account Transaction History, while accessing cashier operation letter of cash handler's system generation with withdrawal transaction verification voucher
Breath；And for reading cashier's operation information with credit transaction validating documents, verify credit transaction validating documents, verify into
The management that bank counter system carries out Account Transaction History is accessed during work(.
Further, cash handler's equipment is any equipment in automatic teller machine, currency circulator, silver cabinet.
Further, the cash handler's equipment/lowboy operating side equipped with fingerprint instrument, refer to vein instrument, living body faces know
Any equipment is traded the typing and checking of validating documents in other instrument.
Further, cash handler's system is connected with several cash handler's equipment, cash handler's system, silver
Row cabinet plane system is connected with several lowboys teller end.
Beneficial effect：（1）Monetary transaction processing method and system that the book keeping operation that the present invention is provided is separated with cashier, without right
Existing lowboy teller end, bank counter system are transformed, and only need to increase the cash handler's system being connected with cash handler's equipment,
Bank counter system and cash handler's system are separate, do not access mutually, receive and pay out relevant peration data and only store to cash handler
System, it is ensured that Information Security, is conducted interviews to bank counter system, cash handler's system by lowboy teller end, reached
Lowboy teller, which handles at end lowboy teller end in the purpose of monetary transaction, implementation process, will not directly contact cash, meet existing prison
Pipe requirement；（2）Transaction verification voucher is set at withdrawal end, the checking of validating documents is traded at service handling end, in industry
Business accepts end and sets transaction verification voucher, is traded the checking of validating documents at withdrawal end, and a side is configured, the opposing party
Verified, improve the security of flow of fund；（3）Cash handler's system is set to be used to store cashier's operation information, relatively
Safer, more efficient in the information transmission carried out more in the prior art by medium, cashier's operation information is associated with biology
Feature or disposable identifying code are verified and accessed safer, and need not install on cash handling device reading magnetic stripe card additional
Or the device of IC-card；（4）The system that the method that the present invention is provided is equally applicable to other cash/flow of fund, and without carrying out
Transformation, need to only increase the management that cash handler's system carries out cashier's information.
Brief description of the drawings
Fig. 1 is realization principle block diagram of the invention.
Embodiment
Technical solution of the present invention is described in detail below by accompanying drawing, but protection scope of the present invention is not limited to
The embodiment.
Embodiment 1：As shown in figure 1, the monetary transaction processing system that the book keeping operation that the present invention is provided is separated with cashier, including it is existing
Gold cashier equipment, cash handler's system, bank counter system, lowboy operating side, cash handler's system and one or more cashes
Receive and pay out equipment to be connected, the first lowboy operating side, the second lowboy operating side access cash handler's system and bank counter system simultaneously,
Cash handler's system does not communicate mutually with bank counter system；Cash handler's equipment is used for prestore cash, setting credit transaction checking
Voucher and/or checking withdrawal transaction verification voucher, perform when being proved to be successful and extract cash operation；Cash handler's system is used to generate
With cashier's operation information of credit transaction validating documents and/or withdrawal transaction verification voucher；Bank counter system is used to store
Accounts information and Account Transaction History；Lowboy operating side is used to receive the monetary transaction request of client, sets withdrawal transaction verification
Voucher, the management that bank counter system carries out Account Transaction History is accessed according to monetary transaction request, while accessing cash handler
Cashier operation information of the system generation with withdrawal transaction verification voucher；And for reading with credit transaction validating documents
Operation information is received and paid out, credit transaction validating documents are verified, bank counter system is accessed when being proved to be successful and carries out Account Transaction History
Management；Wherein cash handler's equipment uses silver cabinet, and client handles monetary transaction in the request of lowboy operating side, and silver cabinet is mainly by existing
Golden circulator, refer to vein instrument, strip printer, touch display screen, main frame composition, lowboy operating side equipped with refer to vein instrument.
（1）Withdrawal business：The teller of lowboy operating side receives the monetary transaction request of client, by accessing bank counter system
The Account Transaction History of system managing customer（The monetary transaction request amount of money is deducted in the accounts information of client）, while accessing cash
One cash handler's document of teller system typing, and typing client refers to vein as transaction verification voucher and cash handler's document phase
Association, prints out cash handler's document and gives client；Record has the document number that silver cabinet can be recognized on cash handler's document,
Client accesses silver cabinet progress enchashment operation, the touch display screen ejection prompting of silver cabinet by inputting the document number of cash handler's document
It is required that customer authentication refers to vein, client is verified on vein instrument is referred to, when being proved to be successful, and the currency circulator of silver cabinet is performed
Note output；
（2）Deposit business：Cash is stored in silver cabinet by client, while typing refers to vein as transaction verification voucher；Cash handler system
System automatic identification client generates teller's memo ticket and simultaneously printed out by strip printer in the operation of silver cabinet；Client with
Taken deposits by means of teller's memo ticket in lowboy operating side, the teller of lowboy operating side recalls cash according to teller's memo ticket and gone out
System is received while requiring that customer authentication refers to vein, client is verified on vein instrument is referred to, when being proved to be successful, and teller accesses silver
The account Transaction Information of row cabinet plane system managing customer（By client in the accounts information of silver cabinet deposit amount typing client）.
Embodiment 2：The monetary transaction processing system that the book keeping operation that the present invention is provided is separated with cashier, including cash handler set
Standby, cash handler's system, bank counter system, lowboy operating side, cash handler's system is connected with cash handler's equipment, for root
Cashier's operation information is automatically generated according to the operation of cash handler's equipment or receives access generation cashier's operation of lowboy operating side
Information, lowboy operating side logs in cash handler's system and bank counter system and carries out data access simultaneously, cash handler's system and
Bank counter system does not communicate independently of one another, mutually；Wherein cash handler's equipment uses ATM, ATM to select with circulation or withdrawal
The model of one, lowboy operating side is configured without increase；
（1）Withdrawal business：The teller of lowboy operating side receives the monetary transaction request of client, by accessing bank counter system pipes
Manage the Account Transaction History of client（The monetary transaction request amount of money is deducted in the accounts information of client）, while accessing cash handler
One cash handler's document of system typing, and the self-defined setting of typing client disposable identifying code as transaction verification voucher with
Cash handler's document is associated, and prints out cash handler's document and gives client；Record has ATM can on cash handler's document
The document number of identification, client accesses ATM progress enchashment operations by inputting the document number of cash handler's document, and ATM promptings are required
Client inputs disposable identifying code, and client inputs disposable identifying code and verified, when being proved to be successful, and ATM performs note output.
（2）Deposit business：Cash is stored in ATM by client, while setting disposable identifying code as transaction verification voucher；It is existing
Golden teller system automatic identification client generates teller's memo ticket and printed out by ATM in ATM operation；Client relies on cabinet
Member's memo ticket is taken deposits in lowboy operating side, and the teller of lowboy operating side recalls cash handler system according to teller's memo ticket
System requires the disposable identifying code of customer authentication simultaneously, and client inputs disposable identifying code and verified, when being proved to be successful, teller
Access the account Transaction Information of bank counter system administration client（By client silver cabinet deposit amount typing client accounts information
In）.
As described above, although the present invention has been represented and described with reference to specific preferred embodiment, it must not be explained
For to the limitation of itself of the invention., can be right under the premise of the spirit and scope of the present invention that appended claims are defined are not departed from
Various changes can be made in the form and details for it.
Claims (11)
1. a kind of keep accounts with receiving and paying out the monetary transaction processing method separated, it is characterised in that comprises the following steps：
（1）Receive the monetary transaction request of client；
Account Transaction History and cashier's operation information are generated according to monetary transaction request, cashier's operation information, which has, to be associated
Transaction verification voucher；
Read cashier's operation information and transaction verification voucher is verified, performed when being proved to be successful and extract cash operation；
（2）Obtain the cash operation that prestores of client；
According to the cash operation generation cashier's operation information that prestores, cashier's operation information have the transaction verification that is associated with
Card；
Read cashier's operation information and transaction verification voucher is verified, Account Transaction History is generated when being proved to be successful.
2. book keeping operation according to claim 1 is with receiving and paying out the monetary transaction processing method separated, it is characterised in that：The account
Transaction Information and cashier's operation information are separately generated by accessing two systems that are independent of one another and not exchanging data mutually.
3. book keeping operation according to claim 1 is with receiving and paying out the monetary transaction processing method separated, it is characterised in that：The account
Transaction Information and cashier's operation information are not mutually exchanged independently of one another and the systems of data and separately accessed by common Client end to two
Generation.
4. the monetary transaction processing method separated according to any described book keeping operation of claims 1 to 3 with cashier, it is characterised in that：
The cashier's operation information that reads is realized by following any mode：Identification, which is stored with, receives and pays out cash handler's list of operation information
According to the client certificate of identification cashier's operation information interlock account, the account certificate of identification cashier's operation information interlock account.
5. book keeping operation according to claim 1 is with receiving and paying out the monetary transaction processing method separated, it is characterised in that：The step
（1）The middle cashier's operation information that reads is performed in withdrawal end equipment；The step（2）The middle cashier's operation information that reads is set at teller end
It is standby to perform.
6. book keeping operation according to claim 1 is with receiving and paying out the monetary transaction processing method separated, it is characterised in that：The transaction
Validating documents are that disposable identifying code, client's fingerprint, client refer to any information in vein, client's face.
7. the monetary transaction processing method that the book keeping operation according to claim 1 or 6 is separated with cashier, it is characterised in that：It is described
Transaction verification voucher is automatically generated by the self-defined generation of client or by the system for generating cashier's operation information.
8. a kind of keep accounts with receiving and paying out the monetary transaction processing system separated, it is characterised in that including：
Cash handler's equipment, for the cash that prestores, sets credit transaction validating documents and/or checking withdrawal transaction verification voucher,
Performed when being proved to be successful and extract cash operation；
Cash handler's system, is connected with cash handler's equipment, for generating with credit transaction validating documents and/or transaction of withdrawing the money
Cashier's operation information of validating documents；
Bank counter system, does not communicate mutually with cash handler's system, for storing accounts information and Account Transaction History；
Lowboy operating side, communicates be connected respectively with bank counter system, cash handler's system, the monetary transaction for receiving client
Request, setting withdrawal transaction verification voucher, access bank counter system according to monetary transaction request and carry out Account Transaction History
Management, while accessing cashier operation information of cash handler's system generation with withdrawal transaction verification voucher；And for reading
Cashier's operation information with credit transaction validating documents, verifies credit transaction validating documents, and bank's cabinet is accessed when being proved to be successful
Plane system carries out the management of Account Transaction History.
9. book keeping operation according to claim 8 is with receiving and paying out the monetary transaction processing system separated, it is characterised in that：The cash
Cashier's equipment is any equipment in automatic teller machine, currency circulator, silver cabinet.
10. book keeping operation according to claim 8 is with receiving and paying out the monetary transaction processing system separated, it is characterised in that：It is described existing
Gold cashier equipment/lowboy operating side equipped with fingerprint instrument, refer to any equipment in vein instrument, living body faces identifier and be traded
The typing and checking of validating documents.
11. book keeping operation according to claim 8 is with receiving and paying out the monetary transaction processing system separated, it is characterised in that：It is described existing
Golden teller system is connected with several cash handler's equipment, cash handler's system, bank counter system and several lowboys
Teller end is connected.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611195346.7A CN107248115A (en) | 2016-12-22 | 2016-12-22 | It is a kind of to keep accounts with receiving and paying out the monetary transaction processing method and system separated |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611195346.7A CN107248115A (en) | 2016-12-22 | 2016-12-22 | It is a kind of to keep accounts with receiving and paying out the monetary transaction processing method and system separated |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107248115A true CN107248115A (en) | 2017-10-13 |
Family
ID=60016352
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201611195346.7A Pending CN107248115A (en) | 2016-12-22 | 2016-12-22 | It is a kind of to keep accounts with receiving and paying out the monetary transaction processing method and system separated |
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| Country | Link |
|---|---|
| CN (1) | CN107248115A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108648070A (en) * | 2018-05-17 | 2018-10-12 | 南京合荣欣业信息技术有限公司 | A kind of cash temporary storage management method and system |
| CN110060433A (en) * | 2019-04-11 | 2019-07-26 | 中国工商银行股份有限公司 | Bank self-aid apparatus assists device, bank self-help cooperative system and method |
| CN111967795A (en) * | 2020-09-01 | 2020-11-20 | 中国银行股份有限公司 | Cash self-circulation method and device for bank outlets, storage medium and electronic equipment |
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| CN101414401A (en) * | 2007-10-18 | 2009-04-22 | 广州广电运通金融电子股份有限公司 | Method and system for processing cash transaction in steps |
| US8052049B1 (en) * | 2002-12-26 | 2011-11-08 | Diebold Self-Service Systems Division Of Diebold, Incorporated | Automated banking machine that operates responsive to data bearing records |
| CN105354942A (en) * | 2014-08-19 | 2016-02-24 | 初建刚 | Bank counter business self-service system |
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| US8052049B1 (en) * | 2002-12-26 | 2011-11-08 | Diebold Self-Service Systems Division Of Diebold, Incorporated | Automated banking machine that operates responsive to data bearing records |
| CN101377867A (en) * | 2007-08-27 | 2009-03-04 | 广州广电运通金融电子股份有限公司 | Trading method and system capable of processing real money and bankroll in step |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108648070A (en) * | 2018-05-17 | 2018-10-12 | 南京合荣欣业信息技术有限公司 | A kind of cash temporary storage management method and system |
| CN110060433A (en) * | 2019-04-11 | 2019-07-26 | 中国工商银行股份有限公司 | Bank self-aid apparatus assists device, bank self-help cooperative system and method |
| CN110060433B (en) * | 2019-04-11 | 2021-09-21 | 中国工商银行股份有限公司 | Bank self-service equipment assisting device, bank self-service cooperation system and bank self-service cooperation method |
| CN111967795A (en) * | 2020-09-01 | 2020-11-20 | 中国银行股份有限公司 | Cash self-circulation method and device for bank outlets, storage medium and electronic equipment |
| CN111967795B (en) * | 2020-09-01 | 2023-08-29 | 中国银行股份有限公司 | Cash self-circulation method and device for banking outlets, storage medium and electronic equipment |
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Application publication date: 20171013 |