CN107958372A - Whole paper money keeps accounts method, apparatus, storage medium and equipment - Google Patents
Whole paper money keeps accounts method, apparatus, storage medium and equipment Download PDFInfo
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- CN107958372A CN107958372A CN201711172366.7A CN201711172366A CN107958372A CN 107958372 A CN107958372 A CN 107958372A CN 201711172366 A CN201711172366 A CN 201711172366A CN 107958372 A CN107958372 A CN 107958372A
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- Prior art keywords
- money
- card number
- amount
- paper money
- small change
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
-
- 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
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
Keep accounts method, apparatus, storage medium and equipment the present invention provides a kind of whole paper money, this method includes：Have using ATM machine and obtain the first card number, the amount of money to be deposited of the first card number, the second card number and the whole paper money paper money coin amount of money；Handled by ATM system and core system collaboration, be intended to deposit the amount of money and the small change amount of money keeps accounts to the first card number and the second card number respectively, wherein, the small change amount of money subtracts the amount of money to be deposited equal to the whole paper money paper money coin amount of money.The present invention can realize that whole paper money decomposes and keep accounts, and improve convenient practical customer experience.
Description
Technical field
The present invention relates to cash in banks accounting processing technical field, more particularly to a kind of whole paper money keeps accounts method, apparatus, storage
Medium and equipment.
Background technology
With the maturation of technology, unit debit card (associates and saves settlement accounts to public affairs, specialize in the debit used public client
Card) in China, Duo Jia large banks have promoted the use of, and it greatly facilitates the capital management of corporate client and daily withdrawal, receipts
The use demands such as money, consumption.
However, presently, there are one it is very universal the problem of it is urgently to be resolved hurrily.By taking the chain retail type enterprise such as Startbuck as an example,
When each shops monthly pays turnover fund to home office, it is stored in often through the ATM machine near shops.But China's ATM machine (silver
Row ATM) only support the whole paper money of 100 yuan of face amount to add cash box, for the fraction part (such as 97 yuan) in the turnover then
It is difficult to handle.At this stage, then shops coordinates the modes such as small change with home office again and meets itself more using integer fund oneself is supplied
Demand.
Market has the ATM machine tool of coin change function at present, can realize the whole paper money of deposit, returns the function of coin.But
Such machine covering surface is relatively narrow, and what is returned is that physical monetary person inconvenient to use carries and manages, it is difficult to meets client
Convenient practical purpose.
The content of the invention
The present invention provides a kind of whole paper money and keeps accounts method, apparatus, storage medium and equipment, is kept accounts, carried with realizing that whole paper money decomposes
High convenient practical customer experience.
The embodiment of the present invention provides a kind of whole paper money and keeps accounts method, including：Have using ATM machine and obtain the first card number, the first card
Number the amount of money to be deposited, the second card number and the whole paper money paper money coin amount of money；Handled by ATM system and core system collaboration, be intended to deposit the amount of money
Keep accounts respectively to the first card number and the second card number with the small change amount of money, wherein, the small change amount of money subtracts equal to the whole paper money paper money coin amount of money and is intended to deposit
The amount of money.
In one embodiment, have using ATM machine and obtain the first card number, the amount of money to be deposited of the first card number, the second card number and whole
The paper money paper money coin amount of money, including：The first card number is read from the card of the card slot of insertion ATM machine tool；First card number is tested it is close after, according to
ATM machine tool inputting interface on decompositions keep accounts option from inputting interface acquisition the first card number the amount of money to be deposited and the second card number；
After receiving the confirmation message to the first card number, the amount of money to be deposited and the second card number, the whole paper money paper money coin for the cash box reception being had according to ATM machine
Obtain the whole paper money paper money coin amount of money.
In one embodiment, handled by ATM system and core system collaboration, be intended to deposit the amount of money and the small change amount of money enters respectively
Account to the first card number and the second card number, wherein, the small change amount of money subtracts the amount of money to be deposited equal to the whole paper money paper money coin amount of money, including：In ATM systems
In system, the amount of money to be deposited is subtracted according to the whole paper money paper money coin amount of money small change amount of money is calculated；Utilize the interface column with a message interaction
First card number, the second card number, the amount of money to be deposited, the whole paper money paper money coin amount of money and the small change amount of money are sent to core system position from ATM system；
In core system, verify whether the first card number and the second card number are effective；If effectively, in core system, block to first
Number and the second card number initiate atom credit transaction respectively, be intended to deposit the amount of money and the small change amount of money be stored in the first card number and the second card respectively
Number.
In one embodiment, in core system, atom credit transaction is initiated respectively to the first card number and the second card number, will
The amount of money and the small change amount of money to be deposited is stored in the first card number and the second card number respectively, including：In core system, the first card number is initiated
Atom credit transaction, is intended to deposit the amount of money the first card number of deposit；After the amount of money to be deposited successfully is stored in the first card number, the second card number is initiated
Atom credit transaction, the second card number is stored in by the small change amount of money；Or in core system, initiate the second card number atom deposit and hand over
Easily, the small change amount of money is stored in the second card number；After the small change amount of money is successfully stored in the second card number, initiates the first card number atom deposit and hand over
Easily, it is intended to deposit the amount of money the first card number of deposit.
In one embodiment, after the amount of money to be deposited successfully is stored in the first card number, atom credit transaction is initiated to the second card number, will
The small change amount of money is stored in after the second card number, is further included：If the small change amount of money is stored in the failure of the second card number, in core system, to being intended to
The operation execution rollback action that the amount of money is stored in the first card number is deposited, causes the operation that the amount of money to be deposited is stored in the first card number to cancel；Small change
After the amount of money is successfully stored in the second card number, atom credit transaction is initiated to the first card number, is intended to after depositing the amount of money the first card number of deposit,
Further include：If the amount of money to be deposited is stored in the failure of the first card number, in core system, the operation that the second card number is stored in the small change amount of money is held
Row rollback acts, and causes the operation that the small change amount of money is stored in the second card number to cancel.
In one embodiment, using the interface field with message interaction by the first card number, the second card number, gold to be deposited
Volume, the whole paper money paper money coin amount of money and the small change amount of money are sent to core system from ATM system, are further included：In core system, according to
On one service charge of information tentative calculation for sending, service charge the trial result is used to deduct service charge as from the first card number or the second card number
Foundation.
In one embodiment, further include：In core system, the information that keeps accounts of the first card number is recorded, the second card number enters
The related information that keeps accounts of account information and the first card number and the second card number.
Keep accounts device the present invention also provides a kind of whole paper money, including：Keep accounts information acquisition unit, is used for：Obtained using ATM machine tool
Take the first card number, the amount of money to be deposited of the first card number, the second card number and the whole paper money paper money coin amount of money；Keep accounts synergetic unit, is used for：It is logical
ATM system and core system collaboration processing are crossed, is intended to deposit the amount of money and the small change amount of money keeps accounts to the first card number and the second card number respectively,
Wherein, the small change amount of money subtracts the amount of money to be deposited equal to the whole paper money paper money coin amount of money.
The present invention also provides a kind of computer-readable recording medium, computer program is stored thereon with, which is processed
The step of device realizes the various embodiments described above the method when performing.
The present invention also provides a kind of computer equipment, including memory, processor and storage on a memory and can located
The computer program run on reason device, the processor realize the step of the various embodiments described above the method when performing described program
Suddenly.
The whole paper money of the present invention keeps accounts method, apparatus, storage medium and equipment, and processing is cooperateed with core system by ATM, general
The amount of money to be deposited is stored in the first card number, and the small change amount of money is stored in the second card number, completes whole paper money decomposition and keeps accounts, without being looked for coin
Zero, it can solve the problems, such as that current client is difficult to handle fraction when whole paper money adds cash box, and convenient practical visitor can be improved
Experience at family.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
There is attached drawing needed in technology description to be briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments of invention, for those of ordinary skill in the art, without creative efforts, can be with
Other attached drawings are obtained according to these attached drawings.In the accompanying drawings：
Fig. 1 is that the whole paper money of one embodiment of the invention keeps accounts the flow diagram of method；
Fig. 2 is that have to obtain the first card number, the amount of money to be deposited of the first card number, second using ATM machine in one embodiment of the invention
The method flow schematic diagram of card number and the whole paper money paper money coin amount of money；
Fig. 3 is to be intended to deposit the amount of money in one embodiment of the invention and the small change amount of money keeps accounts to the first card number and the second card number respectively
Method flow schematic diagram；
Fig. 4 is to be intended to deposit the amount of money in one embodiment of the invention and the small change amount of money is stored in the first card number and the second card number respectively
Method flow schematic diagram；
Fig. 5 is to be intended to deposit the amount of money in another embodiment of the present invention and the small change amount of money is stored in the first card number and the second card number respectively
Method flow schematic diagram；
Fig. 6 is to be intended to deposit the amount of money in further embodiment of this invention and the small change amount of money is stored in the first card number and the second card number respectively
Method flow schematic diagram；
Fig. 7 is to be intended to deposit the amount of money in further embodiment of this invention and the small change amount of money is stored in the first card number and the second card number respectively
Method flow schematic diagram；
Fig. 8 is that have to obtain the first card number, the amount of money to be deposited of the first card number, the using ATM machine in another embodiment of the present invention
The method flow schematic diagram of two card numbers and the whole paper money paper money coin amount of money；
Fig. 9 is that the whole paper money of another embodiment of the present invention keeps accounts the flow diagram of method.It is as shown in figure 9, whole shown in Fig. 1
Paper money keeps accounts method；
Figure 10 is that the whole paper money of one embodiment of the invention keeps accounts the flow diagram of method；
Figure 11 is that the whole paper money of one embodiment of the invention keeps accounts the flow diagram of method；
Figure 12 is that the whole paper money of one embodiment of the invention keeps accounts the structure diagram of device；
Figure 13 is the structure diagram of information acquisition unit of keeping accounts in one embodiment of the invention；
Figure 14 is the structure diagram of synergetic unit of keeping accounts in one embodiment of the invention；
Figure 15 is that card number keeps accounts the structure diagram of module in one embodiment of the invention；
Figure 16 is that card number keeps accounts the structure diagram of module in another embodiment of the present invention；
Figure 17 is that card number keeps accounts the structure diagram of module in further embodiment of this invention；
Figure 18 is that card number keeps accounts the structure diagram of module in further embodiment of this invention；
Figure 19 is the structure diagram of synergetic unit of keeping accounts in one embodiment of the invention；
Figure 20 is that the whole paper money of another embodiment of the present invention keeps accounts the structure diagram of device；
Figure 21 is the structure diagram of the computer equipment of one embodiment of the invention.
Embodiment
For the purpose, technical scheme and advantage of the embodiment of the present invention are more clearly understood, below in conjunction with the accompanying drawings to this hair
Bright embodiment is described in further details.Here, the schematic description and description of the present invention is used to explain the present invention, but simultaneously
It is not as a limitation of the invention.
Fig. 1 is that the whole paper money of one embodiment of the invention keeps accounts the flow diagram of method.As shown in Figure 1, the present embodiment is whole
Paper money keeps accounts method, it may include：
Step S110：Have using ATM machine and obtain the first card number, the amount of money to be deposited of the first card number, the second card number and whole paper money paper money
The coin amount of money；
Step S120：Handled by ATM system and core system collaboration, be intended to deposit the amount of money and the small change amount of money keep accounts respectively to
First card number and the second card number, wherein, the small change amount of money subtracts the amount of money to be deposited equal to the whole paper money paper money coin amount of money.
First card number may be, for example, unit debit card (having the function of ATM withdrawal, POS consumption etc.).The small change amount of money is general
It should be greater than or equal to zero, when the small change amount of money is less than zero, can return to the inputting interface that prompt message has to ATM machine.Core system
Refer to bank and carry out account management, account trading and the system of accounting processing.ATM refers to ATM (automatic teller machine), and the present invention is real
Apply in example, ATM should generally possess savings function.Whole paper money refers to the cash of 100 yuan or its integral multiple amount of money.By the whole paper money paper money coin amount of money
The decomposition amount of money to be deposited and the small change amount of money (decomposition result can be accurate to 2 significant digits).
In the present embodiment, processing is cooperateed with core system by ATM, is intended to deposit the amount of money and is stored in the first card number, and by small change
The amount of money is stored in the second card number, completes whole paper money and decomposes and keeps accounts, without that with coin change, can solve current client and be added in whole paper money
The problem of being difficult to handle fraction during cash box, and convenient practical customer experience can be improved.
Fig. 2 is that have to obtain the first card number, the amount of money to be deposited of the first card number, second using ATM machine in one embodiment of the invention
The method flow schematic diagram of card number and the whole paper money paper money coin amount of money.As shown in Fig. 2, in above-mentioned steps S110, have using ATM machine and obtain
First card number, the amount of money to be deposited of the first card number, the method for the second card number and the whole paper money paper money coin amount of money, it may include：
Step S111：The first card number is read from the card of the card slot of insertion ATM machine tool；
Step S112：First card number is tested it is close after, the decomposition on inputting interface being had according to ATM machine keeps accounts option from input
Interface obtains the amount of money to be deposited and the second card number of the first card number；
Step S113：After receiving the confirmation message to the first card number, the amount of money to be deposited and the second card number, had according to ATM machine
The whole paper money paper money coin that cash box receives obtains the whole paper money paper money coin amount of money.
From insertion ATM machine tool card slot card read the first card number, the first card number is tested it is close after, meet to unit settle accounts
Card pays the general operation mode of the amount of money.Can be equipped with the inputting interface of ATM machine tool it is overall keep accounts option and decomposition keeps accounts option,
, can be identical with existing ATM deposit flows when selection entirety keeps accounts option, when selection decomposition keeps accounts option, it is possible to achieve
The decomposition of the present invention keeps accounts, and sets different options, can not influence original ATM savings functions.In embodiment, the first card number,
The amount of money to be deposited and the second card number can be forced to be shown on inputting interface and kept for a period of time, such as 3s, during forcing to keep,
User can not click on confirmation operation by cancelling this operation that keeps accounts, but can set.
In the present embodiment, the side of the first card number, the amount of money to be deposited of the first card number, the second card number and the whole paper money paper money coin amount of money is obtained
Formula and flow are consistent compared with the use habit for meeting user, and with the flow of existing ATM, to the workload of existing ATM transformations
It is smaller.According to the amount of money to be deposited and the second card number for decomposing option the first card number of acquisition that keeps accounts, user can not be influenced and be not required to small change
Situation, avoid occur operation error.
Fig. 3 is to be intended to deposit the amount of money in one embodiment of the invention and the small change amount of money keeps accounts to the first card number and the second card number respectively
Method flow schematic diagram.As shown in figure 3, in above-mentioned steps S120, handled by ATM system and core system collaboration, will
The amount of money and the small change amount of money to be deposited keeps accounts to the first card number and the second card number respectively, wherein, the small change amount of money is equal to the whole paper money paper money coin amount of money
Subtract the amount of money to be deposited, it may include：
Step S121：In ATM system, the amount of money to be deposited is subtracted according to the whole paper money paper money coin amount of money small change amount of money is calculated；
Step S122：Using the interface field with message interaction by the first card number, the second card number, the amount of money to be deposited, whole
The paper money paper money coin amount of money and the small change amount of money are sent from ATM system to core system；
Step S123：In core system, verify whether the first card number and the second card number are effective；
Step S124：If effectively, in core system, atom deposit is initiated the first card number and the second card number respectively and is handed over
Easily, it is intended to deposit the amount of money and the small change amount of money is stored in the first card number and the second card number respectively.
In above-mentioned steps S122, using the interface field with message interaction by the first card number, the second card number, be intended to deposit
Sent on the amount of money, the whole paper money paper money coin amount of money and the small change amount of money to core system, it is possible to achieve only realize two by initiating a transaction
The processing that keeps accounts of a card number, the interior whole paper money of completion of credit transaction message interaction process of ATM machine, which decomposes, to keep accounts.Be conducive to needing
When collecting service charge to the transaction, a service charge is only collected, and avoids repeating to collect service charge.In above-mentioned steps S124
In, when the first card number and effective the second card number, just carrying out the operation that keeps accounts, it is ensured that two card numbers keep accounts success at the same time,
Avoid part success.
In embodiment, above-mentioned message can be ISO8583 messages.
In embodiment, pass through IPS (Intrusion Prevention System, intrusion prevention system) interface platform system
System receives the message of ATM generations, and is forwarded to core system according to message information key element.
Fig. 4 is to be intended to deposit the amount of money in one embodiment of the invention and the small change amount of money is stored in the first card number and the second card number respectively
Method flow schematic diagram.As shown in figure 4, in above-mentioned steps S124, in core system, to the first card number and the second card number point
Not Fa Qi atom credit transaction, be intended to deposit the amount of money and the small change amount of money be stored in the first card number and the second card number respectively, it may include：
Step S1241：In core system, atom credit transaction is initiated to the first card number, is intended to deposit amount of money deposit first
Card number；
Step S1242：After the amount of money to be deposited successfully is stored in the first card number, atom credit transaction is initiated to the second card number, will be looked for
Fractionl amount is stored in the second card number.
Fig. 5 is to be intended to deposit the amount of money in another embodiment of the present invention and the small change amount of money is stored in the first card number and the second card number respectively
Method flow schematic diagram.As shown in figure 5, in above-mentioned steps S124, in core system, to the first card number and the second card number
Atom credit transaction is initiated respectively, is intended to deposit the amount of money and the small change amount of money is stored in the first card number and the second card number respectively, it may include：
Step S1244：In core system, atom credit transaction is initiated to the second card number, the small change amount of money is stored in second
Card number；
Step S1245：After the small change amount of money is successfully stored in the second card number, atom credit transaction is initiated to the first card number, is intended to
Deposit the amount of money and be stored in the first card number.
In embodiment, the processing that keeps accounts first is carried out to one of card number, after success, then the place that keeps accounts is carried out to another card number
Reason, it is ensured that keep accounts operation while the success of two card numbers, avoid part success.
Fig. 6 is to be intended to deposit the amount of money in further embodiment of this invention and the small change amount of money is stored in the first card number and the second card number respectively
Method flow schematic diagram.As shown in fig. 6, shown in Fig. 4 be intended to deposit the amount of money and the small change amount of money is stored in the first card number and respectively
The method of two card numbers, after step S1242, that is, after the amount of money to be deposited successfully is stored in the first card number, atom is initiated to the second card number
Credit transaction, after the small change amount of money is stored in the second card number, may also include：
Step S1243：If the small change amount of money is stored in the failure of the second card number, in core system, to the amount of money to be deposited deposit first
The operation of card number performs rollback action, causes the operation that the amount of money to be deposited is stored in the first card number to cancel.
In the present embodiment, after the amount of money to be deposited is stored in the operation cancellation of the first card number, the relevant remaining sum of the first card number, account
State etc. will revert to the state before this transaction occurs.
Fig. 7 is to be intended to deposit the amount of money in further embodiment of this invention and the small change amount of money is stored in the first card number and the second card number respectively
Method flow schematic diagram.As shown in fig. 7, shown in Fig. 5 be intended to deposit the amount of money and the small change amount of money is stored in the first card number and respectively
The method of two card numbers, after step S1242, i.e., after the small change amount of money is successfully stored in the second card number, atom is initiated to the first card number
Credit transaction, is intended to after depositing the amount of money the first card number of deposit, may also include：
Step S1246：If the amount of money to be deposited is stored in the failure of the first card number, in core system, to small change amount of money deposit second
The operation of card number performs rollback action, causes the operation that the small change amount of money is stored in the second card number to cancel.
In the present embodiment, after the small change amount of money is stored in the operation cancellation of the second card number, the relevant remaining sum of the second card number, account
State etc. reverts to the state before this transaction occurs.
In above-mentioned steps S1243 and step S1246, when after keep accounts processing card number Fail Transaction after, to it is previous into
The keep accounts card number of processing of work(carries out rolling back action, it is ensured that two card numbers keep accounts transaction at the same time unsuccessfully.Ensure two card (cards
Number) transaction success or failure state consistency, the interaction between system can be reduced.
Fig. 8 is that have to obtain the first card number, the amount of money to be deposited of the first card number, the using ATM machine in another embodiment of the present invention
The method flow schematic diagram of two card numbers and the whole paper money paper money coin amount of money.As shown in figure 8, after above-mentioned steps S122, i.e., using same
The interface field of secondary message interaction is by the first card number, the second card number, the amount of money to be deposited, the whole paper money paper money coin amount of money and the small change amount of money from ATM
Send to core system, may also include in system：
Step S125：In core system, according to one service charge of the information tentative calculation above sent, service charge the trial result is used for
As the foundation that service charge is deducted from the first card number or the second card number.
For example, fixed service charge can be determined as a transaction according to business rule, or can be according to gold to be deposited
Volume determines service charge by a certain percentage.In the present embodiment, it is possible to achieve the processing that keeps accounts for two card numbers is used as a transaction,
A service charge is only collected, avoids repeating to charge.
Fig. 9 is that the whole paper money of another embodiment of the present invention keeps accounts the flow diagram of method.It is as shown in figure 9, whole shown in Fig. 1
Paper money keeps accounts method, may also include：
Step S130：In core system, the information that keeps accounts, keep accounts information and first of the second card number of the first card number are recorded
The related information that keeps accounts of card number and the second card number.
For example, a transaction journal can be recorded only, which may include the first card number, the second card number, gold to be deposited
The information such as volume, the small change amount of money, the whole paper money paper money coin amount of money (keep accounts related information).Alternatively, distinguish for the first card number and the second card number
A transaction journal information is recorded, the transaction journal information of the first card number includes the information (keep accounts related information) of the second card number,
The transaction journal information of second card number includes the information of the first card number (keep accounts related information).When recording transaction journal, ensure
Relevance of this two transaction in core system record, can be in order to recalling transactions history.
Figure 10 is that the whole paper money of one embodiment of the invention keeps accounts the flow diagram of method.As shown in Figure 10, client is by one
Card is inserted such as ATM machine card slot, and input card password, obtains the first card number.Whether the first card number of system check meets deposit bar
Part, if meeting, prompts client to input the deposit amount of the second card number and the first card number, and then core system returns to service charge examination
Calculate as a result, and ATM interface prompts client whether continuous business, if client confirm continue, open cash box prompting client be put into
Fund, and then carry out whole paper money decomposition and keep accounts, service charge is collected from the first card number, and prompt transaction to complete.
Figure 11 is that the whole paper money of one embodiment of the invention keeps accounts the flow diagram of method.As shown in figure 11, the present embodiment
The whole paper money method of keeping accounts may include following steps：
1st, client inputs Transaction Information, and primary data information is received by ATM FTP client FTPs；
2nd, ATM background systems receive the data message that ATM FTP client FTPs are sent, and organize ISO8583 service charge tentative calculation reports
Text；
3rd, IPS interface platforms system receives message and is forwarded to according to message information key element.
4th, core system tentative calculation service charge
5th, core system returns to the trial result
6th, client determines whether that transaction continues, and enough funds are put into cash box if continuing
7th, ATM background systems initiate actual credit transaction message.
8th, IPS interface platforms system receives message and is forwarded to according to message information key element.
9th, core system receives message, parses Transaction Information wherein included, decomposes and initiates two deposit transaction and carry out
Accounting processing, service charge are collected, the processing such as Flow Record
10th, according to handling result tissue returned packet, ATM backstages bus system receives message and parses core system, to
ATM FTP client FTPs return to processing result information, and AMT FTP client FTPs are traded success or failure picture and show, Ke Hu
The success or failure of transaction is known on ATM machine picture.
In embodiment, the transaction message that core system is initiated according to ATM system can be increased and do not felt in client automatically
The function of two transactions is initiated in the case of knowing, keeps accounts during client's once-through operation, can pass through to two cards to realize
ATM system initiates independent once transaction and arrives core system, keep accounts respectively by core system two subatom credit transactions of initiation Lai
Complete, by the way of core billing and accounting system initiates two transactions, main advantage is to return to hand over by a message up sending of ATM
Mutually, the order initiated in core system according to priority carries out accounting processing, it is easy to ensure success or failure while transaction,
It is a transaction to client perception, is not in part successfully obscure situation, and reduce and communicate number between system, locates
It is higher to manage efficiency.
In other embodiments, two independent deposit transaction can be initiated at twice by ATM system and carried out to core system
Deposit, does not do core system any transformation.Difference lies in two individual transactions of initiation with the scheme that initiation is once merchandised
Scheme only needs to change the interactive interface of ATM machine, then client once interact internal system be transformed into two it is independent
Credit transaction processing, and the scheme with initiating once to merchandise is before accounting processing, whole transaction is all once interactive, is one
It is overall.The scheme of two individual transactions is initiated another difference is that due to being substantially two completely self-contained transaction, core
System can not ensure two transactions while success and failure, in fact it could happen that and first card is stored in successfully, but small change Fail Transaction
Situation.ATM system will send return with core billing and accounting system in first card deposit of generation, and return is sent in second card deposit
Multiple message interaction, it is less efficient simultaneously because on send transaction independent twice, its relevance of core system None- identified will
Produce the situation of two charges.
In embodiment, using the FTP client FTP of ATM machine, that is, hold the human-machine interaction picture that client operates on equipment,
Complete client's plug-in card, test close, the function such as the second card number of typing, deposit amount.In embodiment, on ATM backstages, the i.e. bus of ATM
System, is responsible for the calculating of the small change amount of money, the tissue of ISO8583 messages and transmitting-receiving action.In embodiment, using IPS system, i.e.,
Interface platform, it is established that the communication bridge of ATM bus systems and core system, transmitted transaction message.In embodiment, core is utilized
System, is responsible for the specific accounting processing of two deposit transaction, service charge tentative calculation, and expense is collected, the return of transaction results, transaction
Record of flowing water etc..
In embodiment, ATM system trading screen and processing logic Modification：When client carries out ATM credit transactions, insertion first
Card and test it is close after, into main interface, main interface increase decomposition keeps accounts options, and client clicks on according to self-demand and uses,
On original regular savings account flow without influence.Client will be switched to inputting interface after clicking on, and client's input actually wants to be deposited into the
The amount of money of one card, and inputs the second card number of small change, system by pop-up dialogue box present deposit amount, first card number,
Second card number confirms that dialog box has a force time in 3 seconds for client, and client can click on cancellation at any time and return in force time
Return inputting interface and re-enter information, but confirmation can not be clicked on and carried out in next step, client can click on confirmation after force time
It is put into whole paper money coin or clicks on to cancel and returns to card number inputting interface.After being put into paper money coin, actual deposit that ATM system fills in client
The amount of money, cash box it is actual obtain the amount of money carry out subtraction, know should small change the amount of money.By connecing for ISO8583 messages agreement
Mouth field, by the first card number (card number of plug-in card), the second card number (card number of manually input), whole deposit amounts, the small change amount of money
Etc. being sent to core system in information, subsequent treatment is carried out.
In embodiment, the processing transformation of core system：Increase newly in existing common ATM credit transactions processing logic
Processing function, supports the processing of " whole paper money is decomposed and kept accounts " trading situation.Core system by two card numbers in ISO8583 messages,
Two amount of money parse respectively, and card validity check is carried out to two cards, if two cards return to refuse there are invalid card
Break off relations easily, such as two cards are effective, then two deposit atom transaction are initiated in inside, correspond to the first card number, the second card number respectively.
The amount of " actual deposit amount " is stored in the first card number, the amount of the small change amount of money is stored in the second card number.Be related to charge can
Received from the first card number button.The operation that actual deposit amount is stored in first card is first completed on backstage, and second card is performed again after success
Small change deposit, during which have any failure can rollback cause two transactions to fail so that preventing portion point successful feelings
Condition occurs.It is respectively the first card number after the completion of transaction, the second card number records transaction journal information.
In embodiment, have picture to ATM machine and ATM background functions are transformed.Need to provide decomposition on picture and keep accounts function phase
The trading screen key element of pass, ATM backstage need to support, according to be put into paper money coin quantity and actual deposit amount calculating the small change amount of money,
And by actual deposit amount, the small change amount of money, the first card number, the second card number be organized into ISO8583 messages and on send core system.
In embodiment, the hair of two different card numbers deposit transaction is realized in the case of once interactive ISO8583 messages
Rise.And the processing such as complete to be stored in, charge, while need to ensure two transactions while success in mechanism, failure at the same time, in addition,
Also need to carry out relevance of transformation this two transaction of guarantee in west of a river system record when recording transaction journal to recall friendship
Easy history.
In embodiment, the interactive interface of existing ATM machine tool is transformed, allows client to extend this as first card actual
The amount of money paid, while second card card number (individual's card) can be manually entered and be used for receiving the amount of money of small change.Whole transaction letter
Breath is via ISO8583 message up sending to core system.Two deposit transaction, tentative calculation service charge, system are continuously initiated by core system
One charge, uniformly keeps accounts, and unified transaction results of completing return.Whole process of exchange is ensured the uniformity of transaction by core system,
Two deposit transaction are unified successfully to unify unsuccessfully to prevent folk prescription success.
The technical foundation of the embodiment of the present invention is the common ATM cash recycling systems of existing bank, ISO8583 message standards
Specification, bank's accounting process systems.The present invention disclosure satisfy that physics of the market ATM machine to 100 yuan of face amount integral multiple amount of money of deposit
It is required that while can meet client complete first card (being mainly stored in purpose) while, the second of automation change to deposit person
Business demand as card is opened, i.e. " whole paper money is decomposed and kept accounts ".It can be solved by the method for changing common ATM credit transactions flow
Problem existing in the prior art, without special hardware facility, it is not necessary to the excessive system reform, it becomes possible to be reached for including but unlimited
The target that interlocking gear operating funds realizes small change at the same time is paid in corporate client.
The whole paper money method of keeping accounts of the embodiment of the present invention has the following advantages：
(1) it disclosure satisfy that client, particularly the whole paper money of conglomerate client decomposes the demand that keeps accounts.
(2) integrality and uniformity of transaction are ensured, once the unified success of interaction, unified failure.
(3) processing taken for transaction procedure is relatively reasonable, the problem of being not in repetition charge.
(4) record of transaction journal, which is easier to do connective marker, facilitates subsequent clients to inquire about.
Based on keeping accounts the identical inventive concept of method with the whole paper money shown in Fig. 1, the embodiment of the present application additionally provides a kind of whole
Paper money keeps accounts device, as described in example below.Since keep accounts principle that device solves the problems, such as and whole paper money of the whole paper money keeps accounts method phase
Seemingly, therefore the keep accounts implementation of device of the whole paper money may refer to whole paper money and keep accounts the implementation of method, and overlaps will not be repeated.
Figure 12 is that the whole paper money of one embodiment of the invention keeps accounts the structure diagram of device.As shown in figure 12, the present embodiment
Whole paper money keeps accounts device, it may include：The information acquisition unit that keeps accounts 210 and the synergetic unit 220 that keeps accounts, the two interconnection.
The information acquisition unit that keeps accounts 210, is used for：Using ATM machine have obtain the first card number, the first card number the amount of money to be deposited,
Second card number and the whole paper money paper money coin amount of money；
The synergetic unit that keeps accounts 220, is used for：Handled by ATM system and core system collaboration, be intended to deposit the amount of money and look for
Fractionl amount keeps accounts to the first card number and the second card number respectively, wherein, the small change amount of money subtracts the amount of money to be deposited equal to the whole paper money paper money coin amount of money.
Figure 13 is the structure diagram of information acquisition unit of keeping accounts in one embodiment of the invention.As shown in figure 13, keep accounts letter
Cease acquiring unit 210, it may include：First card number acquisition module 211, the amount of money to be deposited and the second card number acquisition module 212 and whole paper money
Paper money coin amount of money acquisition module 213, above-mentioned each sequence of modules connection.
First card number acquisition module 211, is used for：The first card number is read from the card of the card slot of insertion ATM machine tool；
The amount of money to be deposited and the second card number acquisition module 212, are used for：First card number is tested it is close after, according to ATM machine have input
Decomposition on interface keep accounts option from inputting interface obtain the first card number the amount of money to be deposited and the second card number；
Whole paper money paper money coin amount of money acquisition module 213, is used for：Receive the confirmation to the first card number, the amount of money to be deposited and the second card number
After information, the whole paper money paper money coin for the cash box reception being had according to ATM machine obtains the whole paper money paper money coin amount of money.
Figure 14 is the structure diagram of synergetic unit of keeping accounts in one embodiment of the invention.As shown in figure 14, keep accounts association
With processing unit 220, it may include：Small change amount of money acquisition module 221, message up sending module 222, card number validation verification module
223 and card number keep accounts module 224, above-mentioned each sequence of modules connection.
Small change amount of money acquisition module 221, is used for：In ATM system, the amount of money to be deposited is subtracted according to the whole paper money paper money coin amount of money and is calculated
Obtain the small change amount of money；
Message up sending module 222, is used for：Using the interface field with message interaction by the first card number, the second card number,
The amount of money, the whole paper money paper money coin amount of money and the small change amount of money to be deposited are sent from ATM system to core system；
Card number validation verification module 223, is used for：In core system, verify whether the first card number and the second card number are equal
Effectively；
Card number keeps accounts module 224, is used for：If effectively, in core system, the first card number and the second card number are sent out respectively
Atom credit transaction is played, is intended to deposit the amount of money and the small change amount of money is stored in the first card number and the second card number respectively.
Figure 15 is that card number keeps accounts the structure diagram of module in one embodiment of the invention.As shown in figure 15, card number keeps accounts mould
Block 224, it may include：First processing module 2241 and second that keeps accounts keeps accounts processing module 2242, the two interconnection.
First keeps accounts processing module 2241, is used for：In core system, atom credit transaction is initiated to the first card number, will
The amount of money to be deposited is stored in the first card number；
Second keeps accounts processing module 2242, is used for：After the amount of money to be deposited successfully is stored in the first card number, the second card number is initiated former
Sub- credit transaction, the second card number is stored in by the small change amount of money.
Figure 16 is that card number keeps accounts the structure diagram of module in another embodiment of the present invention.As shown in figure 16, card number keeps accounts
Module 224, it may include：3rd processing module 2244 and the 4th that keeps accounts keeps accounts processing module 2245, the two interconnection.
3rd keeps accounts processing module 2244, is used for：In core system, atom credit transaction is initiated to the second card number, will
The small change amount of money is stored in the second card number；
4th keeps accounts processing module 2245, is used for：After the small change amount of money is successfully stored in the second card number, the first card number is initiated former
Sub- credit transaction, is intended to deposit the amount of money the first card number of deposit.
Figure 17 is that card number keeps accounts the structure diagram of module in further embodiment of this invention.As shown in figure 17, shown in Figure 15
Card number keep accounts module 224, may also include：First rolling back action module 2243, is connected with second processing module 2242 that keeps accounts.
First rolling back action module 2243, is used for：If the small change amount of money is stored in the failure of the second card number, right in core system
The operation that the amount of money to be deposited is stored in the first card number performs rollback action, causes the operation that the amount of money to be deposited is stored in the first card number to cancel；
Figure 18 is that card number keeps accounts the structure diagram of module in further embodiment of this invention.As shown in figure 18, shown in Figure 16
Card number keep accounts module 224, may also include：Second rolling back action module 2246, is connected with the 4th processing module 2245 that keeps accounts.
Second rolling back action module 2246, is used for：If the amount of money to be deposited is stored in the failure of the first card number, right in core system
The operation that the small change amount of money is stored in the second card number performs rollback action, causes the operation that the small change amount of money is stored in the second card number to cancel.
Figure 19 is the structure diagram of synergetic unit of keeping accounts in one embodiment of the invention.As shown in figure 19, Tu14Suo
The synergetic unit 220 that keeps accounts shown, may also include：Service charge tentative calculation module 225, is connected with message up sending module 222.
Service charge tentative calculation module 225, is used for：In core system, according to one service charge of the information tentative calculation above sent, formality
Take the trial result to be used for as the foundation for deducting service charge from the first card number or the second card number.
Figure 20 is that the whole paper money of another embodiment of the present invention keeps accounts the structure diagram of device.As shown in figure 20, shown in Figure 12
Whole paper money keep accounts device, may also include：Transaction journal recording unit 230, synergetic unit 220 is connected with keeping accounts.
Transaction journal recording unit 230, is used for：In core system, the information that keeps accounts, the second card number of the first card number are recorded
Keep accounts information and the first card number and the second card number the related information that keeps accounts.
The present invention also provides a kind of computer-readable recording medium, computer program is stored thereon with, which is processed
The step of device realizes the various embodiments described above the method when performing.
The present invention also provides a kind of computer equipment.As shown in figure 21, computer equipment 300 may include memory 310, place
Manage device 320 and be stored in the computer program that can be run on memory 310 and on the processor 320, the processor 320 performs
The step of the various embodiments described above the method is realized during described program.
Method, apparatus, storage medium and equipment in conclusion the whole paper money of the embodiment of the present invention keeps accounts, pass through ATM and core
Systematic collaboration processing, is intended to deposit the amount of money and is stored in the first card number, and the small change amount of money is stored in the second card number, complete whole paper money decompose into
Account, is difficult to handle fraction without that with coin change, can solve the problems, such as current client when whole paper money adds cash box, and can carry
High convenient practical customer experience.
In the description of this specification, reference term " one embodiment ", " specific embodiment ", " some implementations
Example ", " such as ", the description of " example ", " specific example " or " some examples " etc. mean to combine the embodiment or example description
Particular features, structures, materials, or characteristics are contained at least one embodiment of the present invention or example.In the present specification,
Schematic expression of the above terms may not refer to the same embodiment or example.Moreover, the specific features of description, knot
Structure, material or feature can combine in an appropriate manner in any one or more embodiments or example.Each embodiment
Involved in the step of order be used for the implementation that schematically illustrates the present invention, sequence of steps therein is not construed as limiting, can be as needed
Appropriately adjust.
It should be understood by those skilled in the art that, the embodiment of the present invention can be provided as method, system or computer program
Product.Therefore, the present invention can use the reality in terms of complete hardware embodiment, complete software embodiment or combination software and hardware
Apply the form of example.Moreover, the present invention can use the computer for wherein including computer usable program code in one or more
The computer program production that usable storage medium is implemented on (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.)
The form of product.
The present invention be with reference to according to the method for the embodiment of the present invention, the flow of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that it can be realized by computer program instructions every first-class in flowchart and/or the block diagram
The combination of flow and/or square frame in journey and/or square frame and flowchart and/or the block diagram.These computer programs can be provided
The processors of all-purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce
A raw machine so that the instruction performed by computer or the processor of other programmable data processing devices, which produces, to be used in fact
The device for the function of being specified in present one flow of flow chart or one square frame of multiple flows and/or block diagram or multiple square frames.
These computer program instructions, which may also be stored in, can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that the instruction being stored in the computer-readable memory, which produces, to be included referring to
Make the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one square frame of block diagram or
The function of being specified in multiple square frames.
These computer program instructions can be also loaded into computer or other programmable data processing devices so that counted
Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented processing, thus in computer or
The instruction performed on other programmable devices is provided and is used for realization in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in a square frame or multiple square frames.
Particular embodiments described above, has carried out the purpose of the present invention, technical solution and beneficial effect further in detail
Describe in detail it is bright, it should be understood that the foregoing is merely the present invention specific embodiment, the guarantor being not intended to limit the present invention
Scope is protected, within the spirit and principles of the invention, any modification, equivalent substitution, improvement and etc. done, should be included in this
Within the protection domain of invention.
Claims (10)
- A kind of method 1. whole paper money keeps accounts, it is characterised in that including：Have using ATM machine and obtain the first card number, the amount of money to be deposited of the first card number, the second card number and the whole paper money paper money coin amount of money；Handled by ATM system and core system collaboration, be intended to deposit the amount of money and the small change amount of money keeps accounts to the first card number and the respectively Two card numbers, wherein, the small change amount of money subtracts the amount of money to be deposited equal to the whole paper money paper money coin amount of money.
- The method 2. whole paper money as claimed in claim 1 keeps accounts, it is characterised in that have using ATM machine and obtain the first card number, the first card Number the amount of money to be deposited, the second card number and the whole paper money paper money coin amount of money, including：The first card number is read from the card of the card slot of insertion ATM machine tool；First card number is tested it is close after, according to ATM machine have inputting interface on decomposition keep accounts option from inputting interface obtain first The amount of money to be deposited and the second card number of card number；After receiving the confirmation message to the first card number, the amount of money to be deposited and the second card number, the whole paper money for the cash box reception being had according to ATM machine Paper money coin obtains the whole paper money paper money coin amount of money.
- The method 3. whole paper money as claimed in claim 1 keeps accounts, it is characterised in that handled by ATM system and core system collaboration, It is intended to deposit the amount of money and the small change amount of money keeps accounts to the first card number and the second card number respectively, wherein, the small change amount of money is equal to whole paper money paper money coin gold Volume subtracts the amount of money to be deposited, including：In ATM system, the amount of money to be deposited is subtracted according to the whole paper money paper money coin amount of money small change amount of money is calculated；By the first card number, the second card number, the amount of money to be deposited, the whole paper money paper money coin amount of money and looked for using the interface field with a message interaction Fractionl amount is sent from ATM system to core system；In core system, verify whether the first card number and the second card number are effective；If effectively, in core system, atom credit transaction is initiated respectively to the first card number and the second card number, is intended to deposit the amount of money The first card number and the second card number are stored in respectively with the small change amount of money.
- The method 4. whole paper money as claimed in claim 3 keeps accounts, it is characterised in that in core system, to the first card number and second Card number initiates atom credit transaction respectively, is intended to deposit the amount of money and the small change amount of money is stored in the first card number and the second card number respectively, including：In core system, atom credit transaction is initiated to the first card number, is intended to deposit the amount of money the first card number of deposit；After the amount of money to be deposited successfully is stored in the first card number, atom credit transaction is initiated to the second card number, the small change amount of money is stored in second Card number；OrIn core system, atom credit transaction is initiated to the second card number, the small change amount of money is stored in the second card number；After the small change amount of money is successfully stored in the second card number, atom credit transaction is initiated to the first card number, is intended to deposit amount of money deposit first Card number.
- The method 5. whole paper money as claimed in claim 4 keeps accounts, it is characterised in thatAfter the amount of money to be deposited successfully is stored in the first card number, atom credit transaction is initiated to the second card number, the small change amount of money is stored in second After card number, further include：If the small change amount of money is stored in the failure of the second card number, in core system, the operation that the first card number is stored in the amount of money to be deposited performs Rollback acts, and causes the operation that the amount of money to be deposited is stored in the first card number to cancel；After the small change amount of money is successfully stored in the second card number, atom credit transaction is initiated to the first card number, is intended to deposit amount of money deposit first After card number, further include：If the amount of money to be deposited is stored in the failure of the first card number, in core system, the operation that the second card number is stored in the small change amount of money performs Rollback acts, and causes the operation that the small change amount of money is stored in the second card number to cancel.
- The method 6. whole paper money as claimed in claim 3 keeps accounts, it is characterised in that will using the interface field with a message interaction First card number, the second card number, the amount of money to be deposited, the whole paper money paper money coin amount of money and the small change amount of money are sent to core system from ATM system, Further include：In core system, according to one service charge of the information tentative calculation above sent, service charge the trial result is used to block as from first Number or the second card number deduct service charge foundation.
- The method 7. whole paper money as claimed in claim 1 keeps accounts, it is characterised in that further include：In core system, the information that keeps accounts, keep accounts information and the first card number and the second card of the second card number of the first card number are recorded Number the related information that keeps accounts.
- The device 8. a kind of whole paper money keeps accounts, it is characterised in that including：Keep accounts information acquisition unit, is used for：Have using ATM machine and obtain the first card number, the amount of money to be deposited of the first card number, the second card number And the whole paper money paper money coin amount of money；Keep accounts synergetic unit, is used for：Handled by ATM system and core system collaboration, be intended to deposit the amount of money and the small change amount of money Keep accounts respectively to the first card number and the second card number, wherein, the small change amount of money subtracts the amount of money to be deposited equal to the whole paper money paper money coin amount of money.
- 9. a kind of computer-readable recording medium, is stored thereon with computer program, it is characterised in that the program is held by processor The step of claim 1 to 7 the method is realized during row.
- 10. a kind of computer equipment, including memory, processor and storage are on a memory and the meter that can run on a processor Calculation machine program, it is characterised in that the step of processor realizes claim 1 to 7 the method when performing described program.
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| CN201711172366.7A CN107958372A (en) | 2017-11-22 | 2017-11-22 | Whole paper money keeps accounts method, apparatus, storage medium and equipment |
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