CN113095803B - Bank check transaction method, device and equipment - Google Patents
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- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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Abstract
The application discloses a transaction method, device and equipment for bank checks, which can improve the transaction processing efficiency for other bank checks. The method comprises the following steps: firstly, receiving a transaction request of a target his bank check; the transaction request of the target his bank check comprises transaction information and attribute information of a target bank for issuing the target his bank check, then a release rule number corresponding to the target his bank check is generated according to the transaction information and the attribute information of the target bank, then a release rule corresponding to the target his bank check is determined according to the release rule number, and further transaction processing can be carried out on the target his bank check according to the release rule to obtain a transaction result.
Description
Technical Field
The present disclosure relates to the field of computer technologies, and in particular, to a method, an apparatus, and a device for trading a bank check.
Background
With the rapid development of socioeconomic performance, business interactions between various banks are increasing. Such as customers may carry checks made by an a bank, to an b bank for transactions, etc.
However, the process from the time of the traditional bank check being drawn to the time of the cashing of the bank check until the cashing and availability is carried out, the process of exchanging in the same city and manually releasing the available amount by a teller is needed, the whole business chain can be completed, and the cashing and the free days of the bank check in different countries and regions are different, so that the cashing process of the bank check in the bank check is complex and the processing efficiency is lower. Therefore, how to improve the processing efficiency of his cheque has been a problem to be solved.
Disclosure of Invention
The main objective of the embodiments of the present application is to provide a method, an apparatus and a device for transaction of bank checks, which can improve the processing efficiency of the bank checks by optimizing and integrating global release rules of the bank checks.
In a first aspect, an embodiment of the present application provides a method for trading a bank check, including:
receiving a transaction request of a target his bank check; the transaction request of the target his bank check comprises transaction information and attribute information of a target bank for opening the target his bank check;
generating a release rule number corresponding to the target his bank check according to the transaction information and the attribute information of the target bank;
determining a release rule corresponding to the target line check according to the release rule number;
and carrying out transaction processing on the target his bank check according to the release rule to obtain a transaction result.
Optionally, before the step of generating the release rule number corresponding to the target his bank check according to the attribute information of the target bank, the method further includes:
acquiring a check release rule of other bank of the global bank;
according to the rule of releasing the check of the other bank of the global bank, making a thinking guide diagram of the rule of releasing the check of the other bank of the global bank;
according to the thought guide graph, digitizing the release rule of the check of the other bank of the global bank to generate a release rule number;
and constructing the corresponding relation between the release rule number and the release rule of the check of the other bank of the global bank.
Optionally, the constructing the correspondence between the release rule number and the release rule of the check of the other bank of the global bank includes:
and generating the release rule parameters of the check of the other bank of the global bank by taking the release rule number as a dimension.
Optionally, the determining the release rule corresponding to the target his line of check according to the release rule number includes:
determining a release rule parameter of the other check corresponding to the target other check according to the release rule number;
and determining the release rule corresponding to the target his check according to the release rule parameters of the his check.
In a second aspect, an embodiment of the present application further provides a transaction device for a bank check, including:
a receiving unit for receiving a transaction request of a target his bank check; the transaction request of the target his bank check comprises transaction information and attribute information of a target bank for opening the target his bank check;
the first generation unit is used for generating a release rule number corresponding to the target his bank check according to the transaction information and the attribute information of the target bank;
the determining unit is used for determining the release rule corresponding to the target line check according to the release rule number;
and the transaction unit is used for carrying out transaction processing on the target his bank check according to the release rule to obtain a transaction result.
Optionally, the apparatus further includes:
the acquisition unit is used for acquiring the release rule of the check of the other bank of the global bank;
the manufacturing unit is used for manufacturing a thinking guide diagram of the rule of releasing the check of the other bank of the global bank according to the rule of releasing the check of the other bank of the global bank;
the second generation unit is used for carrying out digital processing on the release rules of the checks of other lines of the global bank according to the thought map to generate release rule numbers;
and the construction unit is used for constructing the corresponding relation between the release rule number and the check release rule of the other bank of the global bank.
Optionally, the construction unit is specifically configured to:
and generating the release rule parameters of the check of the other bank of the global bank by taking the release rule number as a dimension.
Optionally, the determining unit includes:
a first determining subunit, configured to determine, according to the release rule number, a release rule parameter of a check of the other line corresponding to the target check of the other line;
and the second determining subunit is used for determining the release rule corresponding to the target his check according to the release rule parameters of the his check.
The embodiment of the application also provides transaction equipment of the bank check, which comprises: a processor, memory, system bus;
the processor and the memory are connected through the system bus;
the memory is for storing one or more programs, the one or more programs comprising instructions, which when executed by the processor, cause the processor to perform any of the implementations of the transaction method for bank checks described above.
The embodiment of the application also provides a computer readable storage medium, wherein the computer readable storage medium stores instructions, and when the instructions run on the terminal equipment, the terminal equipment is caused to execute any implementation mode of the transaction method of the bank check.
The embodiment of the application provides a transaction method, a device and equipment for bank checks, which are used for firstly receiving a transaction request of a target bank check; the transaction request of the target his bank check comprises transaction information and attribute information of a target bank for issuing the target his bank check, then a release rule number corresponding to the target his bank check is generated according to the transaction information and the attribute information of the target bank, then a release rule corresponding to the target his bank check is determined according to the release rule number, and further transaction processing can be carried out on the target his bank check according to the release rule to obtain a transaction result. So that the transaction processing efficiency for the target his bank check can be improved.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, and it is obvious that the drawings in the following description are some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic diagram of a transaction of a prior art check of his bank according to an embodiment of the present application;
FIG. 2 is a flow chart of a method for transacting bank checks according to an embodiment of the present application;
FIG. 3 is a schematic diagram of a mind map of a rule for releasing his bank check at a global bank according to an embodiment of the present application;
FIG. 4 is a schematic diagram of the release rule number generated by digitizing the release rule of his bank check of the global bank according to the mind act provided in the embodiment of the present application;
fig. 5 is a schematic diagram of a transaction device for bank checks according to an embodiment of the present application.
Detailed Description
With the rapid development of socioeconomic performance, business interactions between various banks are increasing. Such as customers may carry checks made by an a bank, to an b bank for transactions, etc.
The bank bill is a bill which is drawn by a bank, and the bill is drawn by a bank. The check deposit of other bank is to hold the check that other banks set up to the present bank to require to pay and deposit the money of paying into personal account, unit account, financial institution account, internal BGL account, etc. account including oneself, because it is his check of line, it is confirmed that after effective bill is confirmed through the bill exchange of the same city that it is paid to pay deposit, fund party that deposit can use and get off, and before the bill exchange of the same city is finished, the fund that is paid and paid to pay deposit needs to be carried on and is charged off and is exempted from to deal with, the charged off and exempt from to get off the day different in different countries and regions, it is different in charged off and exempt from to get off the day of the same country and region, charged off and exempt from to get off the day, wherein, charged off and exempt from to get off day are the important element of the rule of releasing of check of line of other.
Specifically, as shown in fig. 1, when a ticket holder (beneficiary) registers his bank check in his bank counter or check machine to require to pay, a teller is required to check the real object and enter the system for recording, check again, and manually submit the check after confirming that the customer money is still in a state of unavailable load, and the ticket can be unwound and used after confirming that the check of his bank is a true and effective ticket by the check of the same city, and the check release rule of the other bank is mainly used for confirming the load of different check types of the other bank and the number of free days, so that the check money can be used by the customer after the check is confirmed to be true and reliable in the same city.
However, because the number of the load and the number of the free days are different in different countries and regions, the number of the load and the free days are also different in different types of checks in the same country and region, so that the current processing process for cashing the bank checks in the bank checks is complex and the processing efficiency is lower. Therefore, how to improve the processing efficiency of his cheque has been a problem to be solved.
In order to solve the above-mentioned drawbacks, the embodiment of the present application provides a transaction method for bank checks, which includes first receiving a transaction request for a target bank check; the transaction request of the target his bank check comprises transaction information and attribute information of a target bank for issuing the target his bank check, then a release rule number corresponding to the target his bank check is generated according to the transaction information and the attribute information of the target bank, then a release rule corresponding to the target his bank check is determined according to the release rule number, and further transaction processing can be carried out on the target his bank check according to the release rule to obtain a transaction result. So that the transaction processing efficiency for the target his bank check can be improved.
For the purposes of making the objects, technical solutions and advantages of the embodiments of the present application more clear, the technical solutions of the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is apparent that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are within the scope of the present disclosure.
First embodiment
Referring to fig. 2, a flow chart of a transaction method of a bank check according to the present embodiment is provided, and the method includes the following steps:
s201: receiving a transaction request of a target his bank check; wherein the transaction request of the target his bank check comprises transaction information and attribute information of a target bank in which the target his bank check is made.
It should be noted that, the bank check in this embodiment refers to a check of another bank, and any check of another bank that is transacted (e.g., paid) by using this embodiment is defined as a target check of another bank.
At present, after the process from the time of making a check, to the time of cashing the check until the check is started and available, after the check is exchanged in the same city and manually released and available, the whole business chain can be completed, the loading and the number of the days of starting are different in different countries and regions, the loading and the number of the days of starting are also different in different countries and regions, and the release of the other countries is a sectional release, namely, the release of one check deposit of the other row is divided into a plurality of releases, for example, 200 is released in T+1 days, 4800 is released in T+2, and the total rest floating amount is released in T+3 days; some countries do not need segmentation, and are diversified, so that rules are difficult to unify. The releasing rule of the existing system is not abstract of the releasing rule of all countries and regions of the world, the early design is complex, and the releasing rule of the check of other lines of the world cannot be covered.
Therefore, in order to improve the processing efficiency of the check of the other line, the current global check release rule of the other line can be considered, the digitalized parameter design is carried out after the digitalized rule is adopted, and the release rule of the check of the other line is integrated and optimized, so that the transaction processing efficiency of the check of the other line can be improved. Specifically, a transaction request of the target his check needs to be received first to execute the subsequent step S202. Wherein the transaction request of the target his bank check comprises transaction information and attribute information of a target bank in which the target his bank check is made. The transaction information refers to information such as transaction amount, transaction time, account numbers of both transaction parties, and the like. The attribute information of the target bank refers to the attribute information such as the name, address, transaction rule, and the like of the target bank.
S202: and generating a release rule number corresponding to the target bank check according to the transaction information and the attribute information of the target bank.
In this embodiment, after the transaction request for receiving the target his bank check is obtained in step S101, the release rule number of the target his bank check stored in the transaction may be further generated according to the transaction scenario including the transaction information (such as the transaction amount, the transaction time, etc.) and the attribute information of the target bank (such as the information of the transaction rule specified by the target bank) included in the transaction request, so as to execute the subsequent step S203.
S203: and determining the release rule corresponding to the target line check according to the release rule number.
It should be noted that, in order to improve the processing efficiency of the check of the other bank, an alternative implementation manner is that, in the present application, the following steps a-D are passed in advance, the global check release rule is optimally integrated, and a correspondence between the release rule number and the global check release rule of the other bank is formed, so as to execute the step S203. In particular, the method comprises the steps of,
step A: and acquiring the check release rule of the other bank of the global bank.
In this implementation, in order to optimally integrate the global check release rules, the global bank check release rules first need to be acquired, and then carding and integrating are performed through the subsequent steps B-D. The release rules of the checks of other lines in different countries and regions are different, namely the loading and the free days in different countries and regions are different, the loading and the free days in different types of checks in the same country and region are also different, the release of the checks of other lines in some countries is a sectional release, namely the release of one check deposit of other lines is divided into a plurality of releases, for example, 200 release in T+1 days, 4800 release in T+2 release in T+3 days, and the total rest floating amount is released in T+3 days; while some countries do not require segmentation, etc.
And (B) step (B): and according to the rule of releasing the check of the other bank of the global bank, making a thinking guide diagram of the rule of releasing the check of the other bank of the global bank.
In this implementation manner, after the global bank's his bank's check release rule is obtained in step a, a global his bank's check release rule mind map may be further created by using a mind map method according to the obtained global his bank's check release rule, as shown in fig. 3.
Step C: and according to the mind map, digitizing the release rules of the check of the other bank of the global bank to generate release rule numbers.
In this implementation manner, after the mind map of the release rule of the check of the other bank of the global bank as shown in fig. 3 is manufactured in the step B, the release rule number may be generated by further performing digital processing on the release rule of the check of the other bank of the global bank according to the mind map.
Illustrating: taking the example of a bank in which the check release rule of the other line is segmented as shown in the thick line box part of fig. 4, according to the account dimension release, if the account type to be deposited is an account, the client type is a company, the account type to be deposited is a new account, the deposit amount is equal to 5000 dollars, the options can be digitally numbered, thus a rule number can be generated, and the number of each option is 0, 1, 2, etc. if the option is segmented, the segmented number is 0, and the non-segmented number is 1, so that the check release rule scene of the other line can be digitalized.
Step D: and constructing a corresponding relation between the release rule number and the check release rule of the other bank of the global bank.
In the implementation mode, the step C is used for carrying out digital processing on the release rule of the check of the other bank of the global bank, after the release rule number is generated, further, a correspondence between the release rule number and the check release rule of the other bank of the global bank can be constructed. Specifically, the release rule number can be used as a dimension to generate the release rule parameters of the check of the other bank in the global bank, and the file structure is shown in the following table 1:
| silver line number | Rule numbering | Delayed release days | Amount (for sectional release case) |
TABLE 1
On the basis, the release rule number is further used as a dimension to generate the release rule parameters of the bank check of the bank of the world, so as to prepare for the transaction of the bank check.
Further, in order to improve the processing efficiency of the check of the other line, after the release rule number corresponding to the check of the other line is generated in step S202, the release rule number may be used as an element to access the pre-generated release rule parameters of the check of the other line of the global bank, so as to obtain the release rule corresponding to the check of the other line of the target, specifically, the release rule parameters of the check of the other line corresponding to the check of the other line of the target may be determined according to the release rule number, and then the release rule corresponding to the check of the other line of the target may be determined according to the release rule parameters of the check of the other line of the target, so as to prepare for the release processing in the subsequent step S204.
S204: and carrying out transaction processing on the target his bank check according to the release rule to obtain a transaction result.
In this embodiment, after determining the release rule corresponding to the target his bank check in step S203, the transaction processing may be further performed on the target his bank check according to the release rule, so as to obtain a transaction result.
In addition, the constructed release rule parameters can be maintained in the corresponding transaction processing system through online transaction, wherein the maintenance functions comprise adding, deleting, modifying and checking the four basic functions.
Thus, by executing the steps S201-S204, the problems that the parameters in the conventional transaction processing of the checks of the other lines are complex, the rules cannot cover the global mode and the like are fully solved, the global check release rules of the other lines are exhausted by using the mind-oriented diagram, the global check release rules of the other lines are digitalized on the basis, the parameters based on the digitalized check release rule scenes of the other lines are designed, so that the check release rules of the other lines are simplified, the global release rules are integrated, a set of check release parameters of the other lines can cover all scenes of the check release rules of the other lines of the whole world, the current check release rules of the other lines of the check are optimized, the parameters of the current transaction system are simplified and integrated, the maintenance is convenient, and the processing efficiency is also fully improved.
In summary, in the transaction method for bank checks provided in this embodiment, first, a transaction request of a target bank check is received; the transaction request of the target his bank check comprises transaction information and attribute information of a target bank for issuing the target his bank check, then a release rule number corresponding to the target his bank check is generated according to the transaction information and the attribute information of the target bank, then a release rule corresponding to the target his bank check is determined according to the release rule number, and further transaction processing can be carried out on the target his bank check according to the release rule to obtain a transaction result. So that the transaction processing efficiency for the target his bank check can be improved.
Second embodiment
The present embodiment will be described with respect to a transaction device for bank checks, and reference will be made to the above-described method embodiments.
Referring to fig. 5, a schematic diagram of a transaction device for bank checks according to the present embodiment is provided, where the device includes:
a receiving unit 501 for receiving a transaction request of a target his bank check; the transaction request of the target his bank check comprises transaction information and attribute information of a target bank for opening the target his bank check;
a first generating unit 502, configured to generate a release rule number corresponding to the target his bank check according to the transaction information and attribute information of the target bank;
a determining unit 503, configured to determine a release rule corresponding to the target line check according to the release rule number;
and the transaction unit 504 is configured to perform transaction processing on the target his bank check according to the release rule, so as to obtain a transaction result.
In one implementation of this embodiment, the apparatus further includes:
the acquisition unit is used for acquiring the release rule of the check of the other bank of the global bank;
the manufacturing unit is used for manufacturing a thinking guide diagram of the rule of releasing the check of the other bank of the global bank according to the rule of releasing the check of the other bank of the global bank;
the second generation unit is used for carrying out digital processing on the release rules of the checks of other lines of the global bank according to the thought map to generate release rule numbers;
and the construction unit is used for constructing the corresponding relation between the release rule number and the check release rule of the other bank of the global bank.
In one implementation manner of this embodiment, the construction unit is specifically configured to:
and generating the release rule parameters of the check of the other bank of the global bank by taking the release rule number as a dimension.
In one implementation of the present embodiment, the determining unit 503 includes:
a first determining subunit, configured to determine, according to the release rule number, a release rule parameter of a check of the other line corresponding to the target check of the other line;
and the second determining subunit is used for determining the release rule corresponding to the target his check according to the release rule parameters of the his check.
In summary, the transaction device for bank checks provided in this embodiment first receives a transaction request of a target bank check; the transaction request of the target his bank check comprises transaction information and attribute information of a target bank for issuing the target his bank check, then a release rule number corresponding to the target his bank check is generated according to the transaction information and the attribute information of the target bank, then a release rule corresponding to the target his bank check is determined according to the release rule number, and further transaction processing can be carried out on the target his bank check according to the release rule to obtain a transaction result. So that the transaction processing efficiency for the target his bank check can be improved.
Further, the embodiment of the application also provides a transaction device for bank checks, which comprises: a processor, memory, system bus;
the processor and the memory are connected through the system bus;
the memory is for storing one or more programs, the one or more programs comprising instructions, which when executed by the processor, cause the processor to perform any of the implementations of the bank check transaction methods described above.
Further, the embodiment of the application also provides a computer readable storage medium, wherein the computer readable storage medium stores instructions, and when the instructions run on the terminal device, the terminal device is caused to execute any implementation method of the transaction method of the bank check.
From the above description of embodiments, it will be apparent to those skilled in the art that all or part of the steps of the above described example methods may be implemented in software plus necessary general purpose hardware platforms. Based on such understanding, the technical solutions of the present application may be embodied essentially or in a part contributing to the prior art in the form of a software product, which may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, etc., including several instructions to cause a computer device (which may be a personal computer, a server, or a network communication device such as a media gateway, etc.) to perform the methods described in the embodiments or some parts of the embodiments of the present application.
It should be noted that, in the present description, each embodiment is described in a progressive manner, and each embodiment is mainly described in a different manner from other embodiments, and identical and similar parts between the embodiments are all enough to refer to each other. For the device disclosed in the embodiment, since it corresponds to the method disclosed in the embodiment, the description is relatively simple, and the relevant points refer to the description of the method section.
It is further noted that 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. Moreover, 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 one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. 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 application. Thus, the present application 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 (8)
1. A method of transacting a bank check, comprising:
receiving a transaction request of a target his bank check; the transaction request of the target his bank check comprises transaction information and attribute information of a target bank for opening the target his bank check;
generating a release rule number corresponding to the target his bank check according to the transaction information and the attribute information of the target bank;
determining a release rule corresponding to the target line check according to the release rule number;
carrying out transaction processing on the target his bank check according to the release rule to obtain a transaction result;
before the release rule number corresponding to the target his bank check is generated according to the attribute information of the target bank, the method further comprises:
acquiring a check release rule of other bank of the global bank;
according to the rule of releasing the check of the other bank of the global bank, making a thinking guide diagram of the rule of releasing the check of the other bank of the global bank;
according to the thought guide graph, digitizing the release rule of the check of the other bank of the global bank to generate a release rule number;
and constructing the corresponding relation between the release rule number and the release rule of the check of the other bank of the global bank.
2. The method according to claim 1, wherein said constructing a correspondence between the release rule number and a check release rule of another bank of the global bank comprises:
and generating the release rule parameters of the check of the other bank of the global bank by taking the release rule number as a dimension.
3. The method according to claim 2, wherein determining the release rule corresponding to the target check according to the release rule number includes:
determining a release rule parameter of the other check corresponding to the target other check according to the release rule number;
and determining the release rule corresponding to the target his check according to the release rule parameters of the his check.
4. A transaction device for a bank check, comprising:
a receiving unit for receiving a transaction request of a target his bank check; the transaction request of the target his bank check comprises transaction information and attribute information of a target bank for opening the target his bank check;
the first generation unit is used for generating a release rule number corresponding to the target his bank check according to the transaction information and the attribute information of the target bank;
the determining unit is used for determining the release rule corresponding to the target line check according to the release rule number;
the transaction unit is used for carrying out transaction processing on the target his bank check according to the release rule to obtain a transaction result;
the apparatus further comprises:
the acquisition unit is used for acquiring the release rule of the check of the other bank of the global bank;
the manufacturing unit is used for manufacturing a thinking guide diagram of the rule of releasing the check of the other bank of the global bank according to the rule of releasing the check of the other bank of the global bank;
the second generation unit is used for carrying out digital processing on the release rules of the checks of other lines of the global bank according to the thought map to generate release rule numbers;
and the construction unit is used for constructing the corresponding relation between the release rule number and the check release rule of the other bank of the global bank.
5. The apparatus according to claim 4, wherein the construction unit is specifically configured to:
and generating the release rule parameters of the check of the other bank of the global bank by taking the release rule number as a dimension.
6. The apparatus according to claim 5, wherein the determining unit includes:
a first determining subunit, configured to determine, according to the release rule number, a release rule parameter of a check of the other line corresponding to the target check of the other line;
and the second determining subunit is used for determining the release rule corresponding to the target his check according to the release rule parameters of the his check.
7. A transaction device for a bank check, comprising: a processor, memory, system bus;
the processor and the memory are connected through the system bus;
the memory is for storing one or more programs, the one or more programs comprising instructions, which when executed by the processor, cause the processor to perform the method of any of claims 1-3.
8. A computer readable storage medium, characterized in that the computer readable storage medium has stored therein instructions, which when run on a terminal device, cause the terminal device to perform the method of any of claims 1-3.
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