CN110910240A - Cash application method and device - Google Patents
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- CN110910240A CN110910240A CN201911190990.9A CN201911190990A CN110910240A CN 110910240 A CN110910240 A CN 110910240A CN 201911190990 A CN201911190990 A CN 201911190990A CN 110910240 A CN110910240 A CN 110910240A
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Abstract
The invention relates to the technical field of computers, in particular to a cash application method and a cash application device, wherein the method comprises the following steps: when a cash claiming request is received, determining a desired claiming amount contained in the cash claiming request; judging whether the expected claiming amount contains a client reserved amount; if yes, acquiring authentication information; calling a reservation system to authenticate the authentication information; when the authentication is passed, calculating the expected claiming amount and the client reservation amount to obtain the actual claiming amount; judging whether the actual claiming amount exceeds an amount claiming threshold; if not, the bank branch is allocated with the cash corresponding to the expected claiming amount. By applying the method, whether the expected claiming amount sent by the bank outlets contains the client appointment amount or not can be determined, and when the client appointment amount is determined to be contained, whether the actual claiming amount exceeds the money claiming threshold or not is judged, so that the phenomenon that the amount of cash claimed by the bank outlets is too large is avoided, and the risk of managing the large-amount cash by the bank outlets is reduced.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a cash application method and a cash application device.
Background
In a bank vault system, sufficient cash needs to be prepared for each bank branch every day to ensure that the cash is used for outward payment in each bank branch. In the prior art, generally, a worker in a bank branch submits a cash required every day to a bank vault system according to experience, but if the cash submitted by the bank branch is insufficient, the operation fails when a user of the bank branch withdraws money; if the cash claimed by the bank outlets far exceeds the actual demand, the redundant cash cannot generate income and occupies the unconscious assets, thereby reducing the efficiency of cash turnover and use.
On the other hand, when some enterprise customers need cash to perform purposes such as fund turnover, large-amount cash is usually claimed from a bank outlet, and when the bank outlet uses the bank vault system to claim the cash, the claimed amount of the cash on the same day is higher than the usual claimed amount of the cash, and the bank vault system cannot determine whether the money claimed by the bank outlet on the same day is reasonable or not. Therefore, in the prior art, the cash claimed by the middle bank branch lacks corresponding data support, the bank vault system cannot determine whether the cash claimed by the bank branch is reasonable or not, and if the claimed cash amount is too large, the risk of managing the large-amount cash by the bank branch is increased.
Disclosure of Invention
In view of the above, the present invention provides a cash claiming method, by which it is determined whether an expected claiming amount sent by a bank outlet includes a customer-reserved amount, and when it is determined that the expected claiming amount includes the customer-reserved amount, it is determined whether an actual claiming amount exceeds an amount claiming threshold, so as to avoid an excessively large cash amount claimed by the bank outlet, and reduce a risk of managing large-amount cash by the bank outlet.
The invention also provides a cash application device which is used for ensuring the realization and the application of the method in practice.
A cash claiming method, comprising:
when a cash claiming request sent by a bank outlet is received, determining an expected claiming amount contained in the cash claiming request;
judging whether the expected claiming amount contains a customer reserved amount, wherein the customer reserved amount is the cash amount reserved by the bank customer to the bank outlets;
if the expected claiming amount comprises the client appointment amount, acquiring authentication information corresponding to the client appointment amount;
calling a preset reservation system to authenticate the authentication information;
when the authentication information is authenticated, performing difference calculation on the expected claiming amount and the client reserved amount to obtain an actual claiming amount of the bank branch, wherein the actual claiming amount is the cash amount applied by the bank branch for bank transaction;
judging whether the actual claiming amount exceeds a preset amount claiming threshold value or not;
and if the actual claiming amount does not exceed the amount claiming threshold, distributing cash corresponding to the expected claiming amount for the bank outlets.
The method, optionally, may set the money claim threshold, and include:
acquiring cash claiming information of the bank outlets in a preset date, wherein the cash claiming information comprises historical actual claiming amounts and use amounts of the bank outlets in the preset date, each historical actual claiming amount is an actual claiming amount claimed by the bank outlets every day, and each use amount is a cash amount used by the bank outlets for bank transactions every day;
respectively averaging each historical actual claiming amount and each use amount to obtain an average actual claiming amount and an average use amount;
acquiring a first proportional coefficient and a second proportional coefficient which are preset, and respectively calculating the average actual claim amount and the average use amount according to the first proportional coefficient and the second proportional coefficient to acquire a first proportional parameter and a second proportional parameter;
and summing the first proportional parameter and the second proportional parameter to obtain a predicted amount corresponding to the bank branch, and setting the predicted amount as an amount claiming threshold corresponding to the bank branch.
The above method, optionally, further includes:
determining a cash delivery date contained in the cash claiming request, and judging whether the cash delivery date belongs to a holiday date;
if the cash delivery date belongs to a holiday date, determining a preset money amount adjustment ratio corresponding to the holiday date;
and adjusting the predicted amount of money based on the amount adjustment proportion to obtain an adjusted amount of money, and setting the adjusted amount of money as an amount claim threshold corresponding to the bank branch.
The method described above, optionally, the determining whether the expected claiming amount includes a customer subscription amount includes:
judging whether the expected claiming amount exceeds the amount claiming threshold;
if the expected claiming amount exceeds the amount claiming threshold, sending a first excess message corresponding to the expected claiming amount to the banking outlet, so that the banking outlet uploads claiming materials corresponding to the expected claiming amount according to the first excess message;
judging whether the claim material contains customer information corresponding to a bank customer of the bank outlet, wherein the customer information contains authentication information corresponding to the bank customer and the amount of cash reserved by the bank customer to the bank outlet;
and if the claiming material contains customer information corresponding to the bank customer of the bank outlet, determining that the expected claiming amount contains the customer reserved amount.
Optionally, the method for authenticating the authentication information by invoking a preset reservation system includes:
acquiring an authentication code contained in the authentication information;
inputting the authentication code into the reservation system, and triggering the reservation system to inquire reservation information matched with the authentication code;
and when the reservation information matched with the authentication code sent by the reservation system is received, the authentication of the authentication information is passed.
The above method, optionally, further includes:
if the actual claiming amount exceeds the amount claiming threshold, sending a second excess message corresponding to the amount claiming threshold to the bank branch, and triggering the bank branch to adjust the actual claiming amount according to the second excess message;
and when a new actual claiming amount sent by the bank branch is received and the new actual claiming amount does not exceed the amount claiming threshold, determining a new expected claiming amount corresponding to the bank branch according to the new actual claiming amount and the client reserved amount, and distributing cash corresponding to the new expected claiming amount to the bank branch.
A cash claiming apparatus, comprising:
the system comprises a determining unit, a receiving unit and a processing unit, wherein the determining unit is used for determining expected claiming amount contained in a cash claiming request when the cash claiming request sent by a bank outlet is received;
the first judgment unit is used for judging whether the expected claiming amount contains a customer reserved amount which is the amount of cash reserved by the bank customer to the bank outlets;
a first acquisition unit, configured to acquire authentication information corresponding to the customer reserved amount if the expected claiming amount includes the customer reserved amount;
the authentication unit is used for calling a preset reservation system to authenticate the authentication information;
a first calculating unit, configured to perform difference calculation on the expected claiming amount and the customer subscription amount when the authentication information is authenticated, to obtain an actual claiming amount of the banking outlet, where the actual claiming amount is a cash amount applied by the banking outlet for banking transactions;
a second judgment unit, configured to judge whether the actual claiming amount exceeds a preset amount claiming threshold;
and the distribution unit is used for distributing cash corresponding to the expected claiming amount to the bank outlets if the actual claiming amount does not exceed the amount claiming threshold.
The above apparatus, optionally, further comprises:
a second obtaining unit, configured to obtain cash claim information of the banking outlets within a preset date, where the cash claim information includes historical actual claim amounts of the banking outlets within the preset date and usage amounts, each historical actual claim amount is an actual claim amount claimed by the banking outlets every day, and each usage amount is a cash amount used by the banking outlets for performing banking transactions every day;
a second calculating unit, configured to respectively obtain an average value of each historical actual claim amount and each use amount, and obtain an average actual claim amount and an average use amount;
a third calculating unit, configured to obtain a first proportional coefficient and a second proportional coefficient that are preset, and calculate the average actual claim amount and the average use amount according to the first proportional coefficient and the second proportional coefficient, respectively, to obtain a first proportional parameter and a second proportional parameter;
and the first setting unit is used for summing the first proportion parameter and the second proportion parameter to obtain a predicted amount corresponding to the bank branch, and setting the predicted amount as an amount claiming threshold corresponding to the bank branch.
The above apparatus, optionally, further comprises:
the second setting unit is used for determining the cash delivery date contained in the cash claiming request and judging whether the cash delivery date belongs to a holiday date or not; if the cash delivery date belongs to a holiday date, determining a preset money amount adjustment ratio corresponding to the holiday date; and adjusting the predicted amount of money based on the amount adjustment proportion to obtain an adjusted amount of money, and setting the adjusted amount of money as an amount claim threshold corresponding to the bank branch.
Optionally, the apparatus described above, wherein the first determining unit includes:
a first judgment subunit, configured to judge whether the expected claiming amount exceeds the amount claiming threshold;
a sending subunit, configured to send, to the banking outlet, a first excess message corresponding to the expected claiming amount if the expected claiming amount has exceeded the amount claiming threshold, so that the banking outlet uploads the claiming material corresponding to the expected claiming amount according to the first excess message;
the second judging subunit is used for judging whether the claim material contains customer information corresponding to a bank customer of the bank outlets, wherein the customer information contains authentication information corresponding to the bank customer and the number of cash reserved by the bank customer to the bank outlets;
and the determining subunit is used for determining that the expected claiming amount comprises the client reserved amount if the claiming material comprises client information corresponding to the bank client of the banking outlet.
A storage medium comprising stored instructions, wherein the instructions, when executed, control an apparatus in which the storage medium is located to perform the cash application method.
An electronic device comprising a memory, and one or more instructions, wherein the one or more instructions are stored in the memory and configured to be executed by one or more processors to perform the cash claiming method described above.
Compared with the prior art, the invention has the following advantages:
the invention provides a cash application method, which comprises the following steps: when a cash claiming request sent by a bank outlet is received, determining an expected claiming amount contained in the cash claiming request; judging whether the expected claiming amount contains a customer reserved amount, wherein the customer reserved amount is the cash amount reserved by the bank customer to the bank outlets; if the expected claiming amount comprises the client appointment amount, acquiring authentication information corresponding to the client appointment amount; calling a preset reservation system to authenticate the authentication information; when the authentication information is authenticated, performing difference calculation on the expected claiming amount and the client reserved amount to obtain an actual claiming amount of the bank branch, wherein the actual claiming amount is the cash amount applied by the bank branch for bank transaction; judging whether the actual claiming amount exceeds a preset amount claiming threshold value or not; and if the actual claiming amount does not exceed the amount claiming threshold, distributing cash corresponding to the expected claiming amount for the bank outlets. The method provided by the invention can determine whether the expected claiming amount sent by the bank outlets contains the client appointment amount, and judge whether the actual claiming amount exceeds the money claiming threshold value when determining that the expected claiming amount contains the client appointment amount, thereby avoiding overlarge cash amount claimed by the bank outlets and reducing the risk of managing large-amount cash by the bank outlets.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
Fig. 1 is a flowchart of a method for applying cash application according to an embodiment of the present invention;
fig. 2 is a flowchart of another method of a cash application method according to an embodiment of the present invention;
fig. 3 is a flowchart of another method of a cash application method according to an embodiment of the present invention;
fig. 4 is a structural diagram of a cash claiming apparatus according to an embodiment of the present invention;
fig. 5 is a device structure diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In this application, relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions, and the terms "comprises", "comprising", or any other variation thereof are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The invention is operational with numerous general purpose or special purpose computing device environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet-type devices, multi-processor apparatus, distributed computing environments that include any of the above devices or equipment, and the like.
The embodiment of the invention provides a cash application method, which can be applied to various system platforms, wherein an execution main body of the method can be a processor arranged in a bank vault system, and a method flow chart of the method is shown in figure 1 and specifically comprises the following steps:
s101: when a cash claiming request sent by a bank outlet is received, determining an expected claiming amount contained in the cash claiming request;
in the embodiment of the invention, when the bank outlets need to request the bank vault system to acquire cash, the staff of the bank outlets can send cash application requests to the bank vault system through the computer, the bank outlet system and other terminal devices. When the bank outlets send out the cash applying requests, the bank outlets can input the cash amount required to be applied, namely the expected applying amount, through the terminal equipment. When the processor in the bank vault system receives the cash claim request, the expected claim amount contained in the cash claim request can be obtained.
Note that the cash claim request may further include information such as the number of each cash denomination, the application date, and the cash delivery date. The currency denomination can include 100 yuan, 50 yuan, 20 yuan, 10 yuan, 5 yuan and other denominations. The currency may include RMB, USD, Euro, and the like.
Optionally, when the bank outlets need to apply for cash of multiple currencies, each currency can be applied separately, and multiple currencies can be applied simultaneously. Each currency may also correspond to a plurality of currency denominations.
S102: judging whether the expected claiming amount contains a customer reserved amount, wherein the customer reserved amount is the cash amount reserved by the bank customer to the bank outlets;
in the embodiment of the present invention, after the expected claiming amount included in the cash claiming request is obtained, the expected claiming amount may be determined, and it may be determined whether the customer reservation amount is included in the expected claiming amount. Wherein the bank customer reserves the cash amount reserved by the customer to the bank outlets.
It should be noted that, when a bank client needs to make a large-amount loan or fund transfer, the bank client may submit a claim material to a bank outlet, and the bank outlet performs an audit on the claim material, and uploads the claim material to the reservation system after the audit is passed. When the bank branch applies cash to the bank vault system next time, the bank branch can apply the cash which is reserved and applied by the bank client at the same time.
S103: if the expected claiming amount comprises the client appointment amount, acquiring authentication information corresponding to the client appointment amount;
in the embodiment of the present invention, when it is determined that the expected claim amount includes the customer reservation amount reserved by the bank customer, authentication information corresponding to the customer reservation amount is acquired. Wherein the authentication information can be provided by the banking outlet.
S104: calling a preset reservation system to authenticate the authentication information;
in the embodiment of the invention, when the bank branch sends the expected claiming amount containing the client subscription amount, the related claiming material of the client subscription amount of the bank client needs to be reported to the subscription system in advance, and after the reporting is successful, the subscription system can distribute an authentication information for the client subscription amount. After the expected claiming amount of the bank branch is determined to contain the client appointment amount, an appointment system is called to authenticate the authentication information so as to determine whether the client appointment amount is real and valid.
S105: when the authentication information is authenticated, performing difference calculation on the expected claiming amount and the client reserved amount to obtain an actual claiming amount of the bank branch, wherein the actual claiming amount is the cash amount applied by the bank branch for bank transaction;
in the embodiment of the invention, when the reservation system passes the authentication of the authentication information, the expected claiming amount can be determined to be not the cash amount required by the bank outlet in the daily bank transaction. Therefore, the expected claiming amount and the client claiming amount are subjected to difference calculation to determine the actual claiming amount of the bank outlet. That is, the actual claiming amount is the desired claiming amount — the customer reservation amount.
S106: judging whether the actual claiming amount exceeds a preset amount claiming threshold value or not;
in the embodiment of the invention, after the actual claiming amount of the bank branch is determined, whether the situation of excess claiming exists in the bank branch is determined, and whether the actual claiming amount is the excess claiming is judged according to the preset amount claiming threshold.
S107: and if the actual claiming amount does not exceed the amount claiming threshold, distributing cash corresponding to the expected claiming amount for the bank outlets.
In the embodiment of the invention, if the actual claiming amount does not exceed the money claiming threshold, the expected claiming amount applied by the bank branch is determined not to be exceeded, and the bank vault system can distribute the cash corresponding to the expected claiming amount for the bank branch.
In the cash applying method provided by the embodiment of the invention, when the bank outlets need to apply cash, the cash applying request can be sent to the bank vault system through the terminal equipment. The cash applying request includes the expected applying amount corresponding to the cash applied by the bank outlet. And judging whether the expected claiming amount contains the client reserved amount, if so, acquiring authentication information corresponding to the client reserved amount, and calling a reservation system to authenticate so as to determine whether the client reserved amount is real and effective to prevent the false report. When the authentication information is authenticated, the actual claiming amount required to be claimed by the bank branch can be determined, and when the actual claiming amount is determined not to exceed the preset amount claiming threshold, the bank vault system distributes cash corresponding to the expected claiming amount to the bank branch.
Specifically, if the cash claim request includes the denomination and currency of the cash, the cash corresponding to the expected claim amount may be distributed according to the denomination and currency specified by the bank branch, and the cash may be distributed to the bank branch in a offline distribution manner according to the distribution time included in the cash claim request.
It should be noted that the bank outlets may apply cash to the bank vault system every day, or apply cash once a week, and the specific applying manner depends on the situation of the bank outlets and is not described herein again.
By applying the method provided by the embodiment of the invention, whether the expected claiming amount sent by the bank outlets contains the client appointment amount or not can be determined, and when the expected claiming amount contains the client appointment amount, whether the actual claiming amount exceeds the money claiming threshold or not is judged, so that the excessive cash amount claimed by the bank outlets is avoided, and the risk of managing the large-amount cash by the bank outlets is reduced.
In the method provided by the embodiment of the invention, when judging whether the actual claimed amount is excessive, the judgment is carried out according to the preset amount claim threshold value. The process of setting the amount claim threshold is shown in fig. 2, and may specifically include:
s201: acquiring cash claiming information of the bank outlets in a preset date, wherein the cash claiming information comprises historical actual claiming amounts and use amounts of the bank outlets in the preset date, each historical actual claiming amount is an actual claiming amount claimed by the bank outlets every day, and each use amount is a cash amount used by the bank outlets for bank transactions every day;
in the embodiment of the invention, the cash application information of the bank outlets in the preset date is acquired. Wherein the preset date may be a one-month date, or a two-month date, etc. The cash application information comprises a plurality of historical actual application amounts and a plurality of use amounts, each historical application amount is within the preset date, and the bank outlets apply actual application amounts to the bank vault system every day; each use amount is the cash amount used by the bank outlets for bank transactions every day.
S202: respectively averaging each historical actual claiming amount and each use amount to obtain an average actual claiming amount and an average use amount;
in the embodiment of the invention, in order to determine the amount claim threshold of the bank branch, calculation needs to be performed in a big data form so as to finally determine the amount claim threshold which needs to be set. And calculating and obtaining the average actual claiming amount and the average use amount of the bank outlets based on the historical actual claiming amounts and the use amounts. Since the actual claiming amount claimed by the banking outlet at each time does not necessarily satisfy the use amount of the banking outlet transaction, the average data can be obtained by calculating a plurality of historical data.
S203: acquiring a first proportional coefficient and a second proportional coefficient which are preset, and respectively calculating the average actual claim amount and the average use amount according to the first proportional coefficient and the second proportional coefficient to acquire a first proportional parameter and a second proportional parameter;
in the embodiment of the invention, after the obtained average actual claiming amount and the average use amount are calculated, a first proportional coefficient and a second proportional coefficient which are preset are obtained. The first proportional coefficient and the second proportional coefficient may be set according to the actual claim amount and the use amount of each history, or may be calculated by a preset system algorithm. The first proportional coefficient and the second proportional coefficient are respectively characterized by the proportion of the average actual claim amount and the average use amount, and the sum of the first proportional coefficient and the second proportional coefficient is 1. And respectively calculating the average actual claiming amount and the average using amount according to the first proportional coefficient and the second proportional coefficient to obtain a first proportional parameter and a second proportional parameter.
Specifically, the algorithms according to the calculation of the first and second scaling factors are respectively:
the first scale parameter is the first scale coefficient multiplied by the average actual claim amount;
the second proportionality parameter is the second proportionality coefficient x the average amount of use.
For example, if the preset first proportionality coefficient is 2/5 and the second proportionality coefficient is 3/5, the average actual claim amount accounts for 40% and the average use amount accounts for 60%. If the average actual claim amount is 50000 and the average use amount is 45000, the first proportional parameter obtained by calculation according to the first proportional coefficient 2/5 and the second proportional coefficient 3/5 is 20000, and the second proportional parameter is 27000.
S204: and summing the first proportional parameter and the second proportional parameter to obtain a predicted amount corresponding to the bank branch, and setting the predicted amount as an amount claiming threshold corresponding to the bank branch.
In the embodiment of the invention, after the first proportion parameter and the second proportion parameter are obtained, the first proportion parameter and the second proportion parameter are summed to obtain the predicted amount corresponding to the banking outlet, and the predicted amount is the actual claiming amount required by the banking outlet predicted by the banking vault system. And setting the predicted amount as an amount claim threshold corresponding to the bank branch.
For example, if the first parameter ratio in step S203 is 20000 and the second parameter ratio is 27000 based on the above embodiment, the money claim threshold is 47000.
In the cash applying method provided by the embodiment of the invention, after each historical actual applying amount and each using amount of a bank branch are obtained, an average value is obtained to obtain an average actual applying amount and an average using amount. And calculating according to a preset first proportion coefficient and a preset second proportion coefficient, summing the obtained first proportion parameter and the obtained second proportion parameter to finally obtain the predicted amount, and setting the predicted amount as an amount claim threshold value.
It should be noted that each usage amount may be obtained by counting according to each bank transaction performed daily in the bank outlets. If the bank transaction of the bank branch is a withdrawal transaction, carrying out addition calculation on the use amount of the current day; if the bank transaction is a deposit transaction, the using amount of the current day is subtracted.
Optionally, in the embodiment provided by the present invention, besides calculating each historical actual claim amount and each use amount to finally obtain the predicted amount, the embodiment may also obtain the claim amount given by a plurality of staff of the bank outlets according to the experience of the staff, and calculate the predicted amount by combining the daily use amount. The specific process can comprise the following steps: acquiring the claim amounts sent by a plurality of workers in the bank branch, removing the maximum claim amount and the minimum claim amount in each claim amount, and then averaging to obtain the average claim amount. Similarly, the maximum use amount and the minimum use amount are removed from each use amount, and then the average value is obtained to obtain a new average use amount. And calculating the average claiming amount and the new average use amount through a preset first proportion coefficient and a preset second proportion coefficient, summing the obtained first proportion parameter and the second proportion parameter, and determining the finally obtained predicted amount after summing as the money claiming threshold value.
By applying the method provided by the embodiment of the invention, the amount claim threshold value can be set after calculation through a plurality of data, so that the amount of the claimed cash of the bank outlets can be evaluated when the bank claims the cash, and the claimed limit of the bank outlets can be ensured to be in a reasonable range.
In the method provided by the embodiment of the present invention, in the process of setting the money claim threshold, the method may further include:
determining a cash delivery date contained in the cash claiming request, and judging whether the cash delivery date belongs to a holiday date;
if the cash delivery date belongs to a holiday date, determining a preset money amount adjustment ratio corresponding to the holiday date;
and adjusting the predicted amount of money based on the amount adjustment proportion to obtain an adjusted amount of money, and setting the adjusted amount of money as an amount claim threshold corresponding to the bank branch.
In the method provided by the embodiment of the invention, the use amount of the bank branch is not always the same every day in the daily bank transaction process, and for the holiday date, the use amount of the bank branch for performing the bank transaction on the current day of the holiday date is basically higher than the use amount of the bank transaction on the common date. And when the sum claiming threshold is set, judging whether the current day of cash delivery to the bank outlets belongs to the holiday date or not according to the cash delivery date contained in the cash claiming request. If the date belongs to the holiday date, the money claim threshold value of the bank branch can be correspondingly adjusted. Specifically, a preset amount adjustment ratio may be determined to adjust the amount of money originally calculated and obtained, where the setting process of the amount adjustment ratio may set the amount adjustment ratio corresponding to the cash dispensing date according to the usage amount corresponding to the historical holiday date. And adjusting the predicted amount according to the amount adjustment proportion to obtain an adjusted amount after the predicted amount is adjusted, and setting the adjusted amount as an amount claim threshold. For example, when the predicted amount is 47000 and the amount adjustment ratio is 20%, the predicted amount is adjusted up by 20% according to the amount adjustment ratio, and the obtained adjusted amount is 56400.
By applying the method provided by the embodiment of the invention, the money claim threshold value is correspondingly adjusted on the holiday date so as to meet the requirement of the bank branch on high cash demand on the holiday date.
In the method provided in the embodiment of the present invention, based on the content in step S102 in the above embodiment, after determining the expected claim amount included in the cash claim request, it needs to determine whether the expected claim amount includes a customer reservation amount, which may specifically include:
judging whether the expected claiming amount exceeds the amount claiming threshold;
if the expected claiming amount exceeds the amount claiming threshold, sending a first excess message corresponding to the expected claiming amount to the banking outlet, so that the banking outlet uploads claiming materials corresponding to the expected claiming amount according to the first excess message;
judging whether the claim material contains customer information corresponding to a bank customer of the bank outlet, wherein the customer information contains authentication information corresponding to the bank customer and the amount of cash reserved by the bank customer to the bank outlet;
and if the claiming material contains customer information corresponding to the bank customer of the bank outlet, determining that the expected claiming amount contains the customer reserved amount.
In the method provided by the embodiment of the invention, after receiving the cash claiming request sent by the bank outlets, the method can set the money claiming threshold. After determining the expected claim amount included in the cash claim request, it can be determined whether the expected claim amount exceeds the amount claim threshold. If the expected claiming amount exceeds the claiming threshold of the amount, the bank branch can preliminarily determine that the bank client can reserve the claiming cash at the bank branch. And sending a first excess message to the banking outlet to acquire the uploading claim material of the banking outlet according to the first excess message. The claiming material can be a material for claiming the large-amount cash by the bank customer, and can also be a specification for claiming the large-amount cash by the bank outlets to be applied to other special transaction expenses, such as the expense for equipment maintenance in the bank outlets. And after receiving the claim material uploaded by the bank outlets, judging whether the claim material contains customer information. If the expected claiming amount contains customer information, the expected claiming amount can be determined to contain a customer reserved amount, wherein the customer information contains authentication information and the number of cash reserved by the bank customer.
Optionally, the customer information may further include personal information of the bank customer, a personal signature or a official seal of the bank customer, an official seal of a bank branch administrator, a reservation table, and the like.
Further, in the method provided by the embodiment of the present invention, if the claim material does not include the client information, the expected claim amount may be determined to be the actual claim amount, and the claim material is verified to determine whether the claim material meets the preset verification requirement, for example, whether the official seal in the claim material is correct, whether the application content meets the requirement, and the like. If the audit is passed, the cash corresponding to the expected claiming amount can be distributed, if the audit is not passed, the bank outlet is refused to claim the cash, and corresponding deduction processing can be executed on the bank outlet.
The method provided by the embodiment of the invention is applied to determine whether the expected claiming amount contains the client reserved amount so as to determine whether the bank branch is reasonable in the process of claiming the cash.
Based on the method provided in the foregoing embodiment, after sending the reservation information of the bank customer to the reservation system in advance, when the bank branch applies for the cash to the bank vault system, the bank branch needs to apply for the cash reserved by the bank customer at the same time, so after determining that the expected application amount of the bank branch includes the customer reservation amount, invoking the reservation system to authenticate the authentication information corresponding to the customer reservation amount, which is specifically shown in fig. 3, specifically, the method may include:
s301: acquiring an authentication code contained in the authentication information;
in the embodiment of the invention, a bank client reserves a large amount of cash at a bank outlet, and after the reservation system successfully uploads reservation information, the reservation system generates an authentication code for authentication and feeds the authentication code back to the bank outlet. The bank branch can put the authentication code in the authentication information of the authentication code device, and the bank vault system analyzes the authentication information and acquires the authentication code contained in the authentication information.
Specifically, the authentication code may be a bar code, a two-dimensional code, or a plurality of numbers. The string code composed of letters and characters, binary code, pure number string code, pure letter string code, pure character string code and the like.
S302: inputting the authentication code into the reservation system, and triggering the reservation system to inquire reservation information matched with the authentication code;
in the embodiment of the invention, after the authentication code in the authentication information is acquired, the authentication code is input into the reservation system. Because the reservation system stores the authentication code in the corresponding reservation information when generating the authentication code, the reservation system can search the reservation information matched with the authentication code according to the authentication code after receiving the authentication code sent by the bank vault system.
S303: and when the reservation information matched with the authentication code sent by the reservation system is received, the authentication of the authentication information is passed.
In the embodiment of the invention, after the reservation information sent to the bank vault by the reservation system is received, it can be determined that the reservation information corresponding to the authentication code is stored in the reservation system, that is, the reserved amount of money of the client passes the audit. Therefore, the bank vault system passes the authentication of the authentication information according to the reservation system.
In the method provided by the embodiment of the invention, after the authentication code in the authentication information is acquired, the authentication code is input into the reservation system, so that the reservation system inquires the reservation information corresponding to the authentication code. And if the query is successful, the authentication is passed.
It should be noted that when a bank customer needs to make an appointment with a large amount of cash at a bank branch, a written application needs to be sent to the bank branch at least one day ahead of time, and after a manager of the bank branch passes through the steps of stamping, checking and the like, the reservation information corresponding to the claim material of the bank customer can be uploaded to the reservation system. Meanwhile, after receiving the reservation information, the reservation system can check the reservation information, and if the check is passed, the system feeds back an authentication code corresponding to the reservation information for the bank outlets. After receiving the authentication code, the bank branch can package the authentication code into authentication information and store the authentication information into the claim material of the bank client so as to facilitate subsequent authentication.
By applying the method provided by the embodiment of the invention, the authentication information is authenticated through the reservation system so as to ensure the authenticity of the client reserved amount claimed by the bank branch.
In the method provided in the embodiment of the present invention, the actual claiming amount is obtained by performing and calculating according to the expected claiming amount and the customer subscription amount, and a result obtained by determining the actual claiming amount may specifically include:
if the actual claiming amount exceeds the amount claiming threshold, sending a second excess message corresponding to the amount claiming threshold to the bank branch, and triggering the bank branch to adjust the actual claiming amount according to the second excess message;
and when a new actual claiming amount sent by the bank branch is received and the new actual claiming amount does not exceed the amount claiming threshold, determining a new expected claiming amount corresponding to the bank branch according to the new actual claiming amount and the client reserved amount, and distributing cash corresponding to the new expected claiming amount to the bank branch.
In the cash applying method provided by the embodiment of the invention, when the expected applying amount comprises the amount reserved by the customer, the actual applying amount obtained after the difference calculation is the cash amount required by the bank branch in daily bank transaction. If the actual claiming amount exceeds the claiming threshold value of the amount, the bank branch can be determined that the cash claimed at this time is unreasonable, and a second excess message is sent to the bank branch. The second excess message is a message generated based on the actual claimed amount and is used for prompting that the claimed cash amount of the bank outlet is excess. After receiving the second excess message, the bank branch can adjust the actual claiming amount to obtain a new actual claiming amount. After receiving the new actual claiming amount, the bank vault system can judge whether the new actual claiming amount exceeds the amount claiming threshold again. If the new actual claiming threshold value does not exceed the money claiming threshold value, a new expected claiming amount, that is, a new actual claiming amount + the customer reservation amount, may be determined based on the new actual claiming amount. And distributing the cash corresponding to the new expected claiming amount to the bank outlets according to the new expected claiming amount.
It should be noted that, when the bank vault system sends the second excess message to the bank branch, the bank branch may prompt the amount claim threshold to the bank branch, and the bank branch may adjust the actual amount of claim according to the amount claim threshold. Or the bank branch does not need to be prompted with the money claiming threshold value, and staff of the bank branch adjusts the actual claiming money according to experience.
Optionally, after the bank branch adjusts the actual claim amount, if the new actual claim amount exceeds the amount claim threshold, the bank branch sends the second excess message to the bank branch again, and records the number of times of sending the second excess message each time. If the number of times of sending the second excess message to the bank branch reaches the preset excess number, for example, three times, and the adjusted actual claiming amount of the bank branch still exceeds the amount claiming threshold, the amount claiming threshold is prompted to the bank branch, and the amount claiming threshold is used as the actual claiming amount of the bank branch.
Further, if the expected claiming amount exceeds the amount claiming threshold and the expected claiming amount does not include the customer subscription amount, a second excess message may be sent to the banking outlet.
By applying the method provided by the embodiment of the invention, when the actual claiming amount exceeds the money claiming threshold, the bank branch can adjust the actual claiming amount according to the excess message by sending the second excess message to the bank branch, so as to reasonably claim the cash.
The specific implementation procedures and derivatives thereof of the above embodiments are within the scope of the present invention.
Corresponding to the method illustrated in fig. 1, an embodiment of the present invention further provides a cash applying apparatus, which is used for implementing the method illustrated in fig. 1 specifically, the cash applying apparatus provided in the embodiment of the present invention may be applied to a computer terminal or various mobile devices, and a schematic structural diagram of the cash applying apparatus is illustrated in fig. 4, and specifically includes:
the determining unit 401 is configured to determine, when a cash applying request sent by a bank outlet is received, an expected applying amount included in the cash applying request;
a first judging unit 402, configured to judge whether a customer-reserved amount is included in the expected claiming amount, where the customer-reserved amount is the amount of cash reserved by a bank customer to the bank outlet;
a first obtaining unit 403, configured to obtain, if the expected claiming amount includes the customer subscription amount, authentication information corresponding to the customer subscription amount;
an authentication unit 404, configured to invoke a preset reservation system to authenticate the authentication information;
a first calculating unit 405, configured to perform difference calculation on the expected claiming amount and the customer subscription amount when the authentication information passes the authentication, so as to obtain an actual claiming amount of the banking outlet, where the actual claiming amount is a cash amount applied by the banking outlet for performing a banking transaction;
a second judging unit 406, configured to judge whether the actual claiming amount exceeds a preset amount claiming threshold;
the allocating unit 407 is configured to allocate the cash corresponding to the expected claiming amount to the banking outlet if the actual claiming amount does not exceed the amount claiming threshold.
In the cash applying device provided by the embodiment of the invention, the determining unit determines the expected applying amount applied by the bank outlets, and the first judging unit is used for judging whether the expected applying amount contains the client reserved amount; if the client reserved amount is included, the first acquisition unit acquires authentication information corresponding to the client reserved amount, and the authentication unit is applied to authenticate the authentication information. And when the authentication is passed, the expected claiming amount and the client reserved amount are calculated by the first calculating unit to obtain the actual claiming amount of the bank branch, the actual claiming amount is judged by the second judging unit, and when the actual claiming amount is determined not to exceed the money claiming threshold, the cash corresponding to the expected claiming amount is distributed to the bank branch by the distributing unit. The device provided by the invention can determine whether the expected claiming amount sent by the bank outlets contains the client appointment amount, and judge whether the actual claiming amount exceeds the money claiming threshold value when determining that the expected claiming amount contains the client appointment amount, so that the excessive cash amount claimed by the bank outlets is avoided, and the risk of managing large-amount cash by the bank outlets is reduced.
The device provided by the embodiment of the invention further comprises:
a second obtaining unit, configured to obtain cash claim information of the banking outlets within a preset date, where the cash claim information includes historical actual claim amounts of the banking outlets within the preset date and usage amounts, each historical actual claim amount is an actual claim amount claimed by the banking outlets every day, and each usage amount is a cash amount used by the banking outlets for performing banking transactions every day;
a second calculating unit, configured to respectively obtain an average value of each historical actual claim amount and each use amount, and obtain an average actual claim amount and an average use amount;
a third calculating unit, configured to obtain a first proportional coefficient and a second proportional coefficient that are preset, and calculate the average actual claim amount and the average use amount according to the first proportional coefficient and the second proportional coefficient, respectively, to obtain a first proportional parameter and a second proportional parameter;
and the first setting unit is used for summing the first proportion parameter and the second proportion parameter to obtain a predicted amount corresponding to the bank branch, and setting the predicted amount as an amount claiming threshold corresponding to the bank branch.
The device provided by the embodiment of the invention further comprises:
the second setting unit is used for determining the cash delivery date contained in the cash claiming request and judging whether the cash delivery date belongs to a holiday date or not; if the cash delivery date belongs to a holiday date, determining a preset money amount adjustment ratio corresponding to the holiday date; and adjusting the predicted amount of money based on the amount adjustment proportion to obtain an adjusted amount of money, and setting the adjusted amount of money as an amount claim threshold corresponding to the bank branch.
In the apparatus provided in the embodiment of the present invention, the first determining unit 402 includes:
a first judgment subunit, configured to judge whether the expected claiming amount exceeds the amount claiming threshold;
a sending subunit, configured to send, to the banking outlet, a first excess message corresponding to the expected claiming amount if the expected claiming amount has exceeded the amount claiming threshold, so that the banking outlet uploads the claiming material corresponding to the expected claiming amount according to the first excess message;
the second judging subunit is used for judging whether the claim material contains customer information corresponding to a bank customer of the bank outlets, wherein the customer information contains authentication information corresponding to the bank customer and the number of cash reserved by the bank customer to the bank outlets;
and the determining subunit is used for determining that the expected claiming amount comprises the client reserved amount if the claiming material comprises client information corresponding to the bank client of the banking outlet.
In the apparatus provided in the embodiment of the present invention, the authentication unit 404 includes:
an obtaining subunit, configured to obtain an authentication code included in the authentication information;
the triggering subunit is used for inputting the authentication code into the reservation system and triggering the reservation system to inquire reservation information matched with the authentication code;
and the receiving subunit is used for passing the authentication of the authentication information when receiving the reservation information which is transmitted by the reservation system and is matched with the authentication code.
The device provided by the embodiment of the invention further comprises:
the triggering unit is used for sending a second excess message corresponding to the money claiming threshold value to the bank branch if the actual claiming money exceeds the money claiming threshold value, and triggering the bank branch to adjust the actual claiming money according to the second excess message;
and the execution unit is used for determining a new expected claiming amount corresponding to the bank branch according to the new actual claiming amount and the client reserved amount when receiving the new actual claiming amount sent by the bank branch and the new actual claiming amount does not exceed the amount claiming threshold, and distributing cash corresponding to the new expected claiming amount to the bank branch.
The specific working processes of each unit and sub-unit in the cash applying device disclosed in the above embodiment of the present invention can be referred to the corresponding contents in the cash applying method disclosed in the above embodiment of the present invention, and are not described herein again.
The embodiment of the invention also provides a storage medium, which comprises stored instructions, wherein when the instructions are executed, the equipment where the storage medium is located is controlled to execute the cash claiming method.
An electronic device is provided in an embodiment of the present invention, and the structural diagram of the electronic device is shown in fig. 5, which specifically includes a memory 501 and one or more instructions 502, where the one or more instructions 502 are stored in the memory 501, and are configured to be executed by one or more processors 503 to perform the following operations according to the one or more instructions 502:
when a cash claiming request sent by a bank outlet is received, determining an expected claiming amount contained in the cash claiming request;
judging whether the expected claiming amount contains a customer reserved amount, wherein the customer reserved amount is the cash amount reserved by the bank customer to the bank outlets;
if the expected claiming amount comprises the client appointment amount, acquiring authentication information corresponding to the client appointment amount;
calling a preset reservation system to authenticate the authentication information;
when the authentication information is authenticated, performing difference calculation on the expected claiming amount and the client reserved amount to obtain an actual claiming amount of the bank branch, wherein the actual claiming amount is the cash amount applied by the bank branch for bank transaction;
judging whether the actual claiming amount exceeds a preset amount claiming threshold value or not;
and if the actual claiming amount does not exceed the amount claiming threshold, distributing cash corresponding to the expected claiming amount for the bank outlets.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, the system or system embodiments are substantially similar to the method embodiments and therefore are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described system and system embodiments are only illustrative, wherein the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both.
To clearly illustrate this interchangeability of hardware and software, various illustrative components and steps have been described above generally in terms of their functionality. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A cash application method, comprising:
when a cash claiming request sent by a bank outlet is received, determining an expected claiming amount contained in the cash claiming request;
judging whether the expected claiming amount contains a customer reserved amount, wherein the customer reserved amount is the cash amount reserved by the bank customer to the bank outlets;
if the expected claiming amount comprises the client appointment amount, acquiring authentication information corresponding to the client appointment amount;
calling a preset reservation system to authenticate the authentication information;
when the authentication information is authenticated, performing difference calculation on the expected claiming amount and the client reserved amount to obtain an actual claiming amount of the bank branch, wherein the actual claiming amount is the cash amount applied by the bank branch for bank transaction;
judging whether the actual claiming amount exceeds a preset amount claiming threshold value or not;
and if the actual claiming amount does not exceed the amount claiming threshold, distributing cash corresponding to the expected claiming amount for the bank outlets.
2. The method of claim 1, wherein setting the monetary claim threshold comprises:
acquiring cash claiming information of the bank outlets in a preset date, wherein the cash claiming information comprises historical actual claiming amounts and use amounts of the bank outlets in the preset date, each historical actual claiming amount is an actual claiming amount claimed by the bank outlets every day, and each use amount is a cash amount used by the bank outlets for bank transactions every day;
respectively averaging each historical actual claiming amount and each use amount to obtain an average actual claiming amount and an average use amount;
acquiring a first proportional coefficient and a second proportional coefficient which are preset, and respectively calculating the average actual claim amount and the average use amount according to the first proportional coefficient and the second proportional coefficient to acquire a first proportional parameter and a second proportional parameter;
and summing the first proportional parameter and the second proportional parameter to obtain a predicted amount corresponding to the bank branch, and setting the predicted amount as an amount claiming threshold corresponding to the bank branch.
3. The method of claim 2, further comprising:
determining a cash delivery date contained in the cash claiming request, and judging whether the cash delivery date belongs to a holiday date;
if the cash delivery date belongs to a holiday date, determining a preset money amount adjustment ratio corresponding to the holiday date;
and adjusting the predicted amount of money based on the amount adjustment proportion to obtain an adjusted amount of money, and setting the adjusted amount of money as an amount claim threshold corresponding to the bank branch.
4. The method of claim 2, wherein said determining whether the desired claim amount comprises a customer reservation amount comprises:
judging whether the expected claiming amount exceeds the amount claiming threshold;
if the expected claiming amount exceeds the amount claiming threshold, sending a first excess message corresponding to the expected claiming amount to the banking outlet, so that the banking outlet uploads claiming materials corresponding to the expected claiming amount according to the first excess message;
judging whether the claim material contains customer information corresponding to a bank customer of the bank outlet, wherein the customer information contains authentication information corresponding to the bank customer and the amount of cash reserved by the bank customer to the bank outlet;
and if the claiming material contains customer information corresponding to the bank customer of the bank outlet, determining that the expected claiming amount contains the customer reserved amount.
5. The method of claim 1, wherein invoking the pre-provisioned reservation system to authenticate the authentication information comprises:
acquiring an authentication code contained in the authentication information;
inputting the authentication code into the reservation system, and triggering the reservation system to inquire reservation information matched with the authentication code;
and when the reservation information matched with the authentication code sent by the reservation system is received, the authentication of the authentication information is passed.
6. The method of claim 1, further comprising:
if the actual claiming amount exceeds the amount claiming threshold, sending a second excess message corresponding to the amount claiming threshold to the bank branch, and triggering the bank branch to adjust the actual claiming amount according to the second excess message;
and when a new actual claiming amount sent by the bank branch is received and the new actual claiming amount does not exceed the amount claiming threshold, determining a new expected claiming amount corresponding to the bank branch according to the new actual claiming amount and the client reserved amount, and distributing cash corresponding to the new expected claiming amount to the bank branch.
7. A cash application apparatus, comprising:
the system comprises a determining unit, a receiving unit and a processing unit, wherein the determining unit is used for determining expected claiming amount contained in a cash claiming request when the cash claiming request sent by a bank outlet is received;
the first judgment unit is used for judging whether the expected claiming amount contains a customer reserved amount which is the amount of cash reserved by the bank customer to the bank outlets;
a first acquisition unit, configured to acquire authentication information corresponding to the customer reserved amount if the expected claiming amount includes the customer reserved amount;
the authentication unit is used for calling a preset reservation system to authenticate the authentication information;
a first calculating unit, configured to perform difference calculation on the expected claiming amount and the customer subscription amount when the authentication information is authenticated, to obtain an actual claiming amount of the banking outlet, where the actual claiming amount is a cash amount applied by the banking outlet for banking transactions;
a second judgment unit, configured to judge whether the actual claiming amount exceeds a preset amount claiming threshold;
and the distribution unit is used for distributing cash corresponding to the expected claiming amount to the bank outlets if the actual claiming amount does not exceed the amount claiming threshold.
8. The apparatus of claim 7, further comprising:
a second obtaining unit, configured to obtain cash claim information of the banking outlets within a preset date, where the cash claim information includes historical actual claim amounts of the banking outlets within the preset date and usage amounts, each historical actual claim amount is an actual claim amount claimed by the banking outlets every day, and each usage amount is a cash amount used by the banking outlets for performing banking transactions every day;
a second calculating unit, configured to respectively obtain an average value of each historical actual claim amount and each use amount, and obtain an average actual claim amount and an average use amount;
a third calculating unit, configured to obtain a first proportional coefficient and a second proportional coefficient that are preset, and calculate the average actual claim amount and the average use amount according to the first proportional coefficient and the second proportional coefficient, respectively, to obtain a first proportional parameter and a second proportional parameter;
and the first setting unit is used for summing the first proportion parameter and the second proportion parameter to obtain a predicted amount corresponding to the bank branch, and setting the predicted amount as an amount claiming threshold corresponding to the bank branch.
9. The apparatus of claim 8, further comprising:
the second setting unit is used for determining the cash delivery date contained in the cash claiming request and judging whether the cash delivery date belongs to a holiday date or not; if the cash delivery date belongs to a holiday date, determining a preset money amount adjustment ratio corresponding to the holiday date; and adjusting the predicted amount of money based on the amount adjustment proportion to obtain an adjusted amount of money, and setting the adjusted amount of money as an amount claim threshold corresponding to the bank branch.
10. The apparatus according to claim 7, wherein the first determining unit comprises:
a first judgment subunit, configured to judge whether the expected claiming amount exceeds the amount claiming threshold;
a sending subunit, configured to send, to the banking outlet, a first excess message corresponding to the expected claiming amount if the expected claiming amount has exceeded the amount claiming threshold, so that the banking outlet uploads the claiming material corresponding to the expected claiming amount according to the first excess message;
the second judging subunit is used for judging whether the claim material contains customer information corresponding to a bank customer of the bank outlets, wherein the customer information contains authentication information corresponding to the bank customer and the number of cash reserved by the bank customer to the bank outlets;
and the determining subunit is used for determining that the expected claiming amount comprises the client reserved amount if the claiming material comprises client information corresponding to the bank client of the banking outlet.
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| CN201911190990.9A CN110910240A (en) | 2019-11-28 | 2019-11-28 | Cash application method and device |
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| CN201911190990.9A CN110910240A (en) | 2019-11-28 | 2019-11-28 | Cash application method and device |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111539637A (en) * | 2020-04-27 | 2020-08-14 | 中国银行股份有限公司 | Request method, request device, server and storage medium |
| CN111967690A (en) * | 2020-09-07 | 2020-11-20 | 中国银行股份有限公司 | Foreign currency distribution method and system |
-
2019
- 2019-11-28 CN CN201911190990.9A patent/CN110910240A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111539637A (en) * | 2020-04-27 | 2020-08-14 | 中国银行股份有限公司 | Request method, request device, server and storage medium |
| CN111967690A (en) * | 2020-09-07 | 2020-11-20 | 中国银行股份有限公司 | Foreign currency distribution method and system |
| CN111967690B (en) * | 2020-09-07 | 2023-09-08 | 中国银行股份有限公司 | Foreign currency distribution method and system |
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