CN1184288A - Financial monitoring and polling system and method - Google Patents
Financial monitoring and polling system and method Download PDFInfo
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- CN1184288A CN1184288A CN96118916A CN96118916A CN1184288A CN 1184288 A CN1184288 A CN 1184288A CN 96118916 A CN96118916 A CN 96118916A CN 96118916 A CN96118916 A CN 96118916A CN 1184288 A CN1184288 A CN 1184288A
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Abstract
The present invention relates to service system and method, in which public communication network is used in monitoring financial operation and polling financial state of enterprises. The said system consists of one IC card read/write device, one financial processing computer, one computer data center and one data polling monitor connected to user lines separately of public communication network.
Description
The present invention relates to a kind of system and method that is used for the financial monitoring inquiry, more precisely, relate to a kind of service system and method for utilizing public telecommunication network to finish business finance running control and the inquiry of business finance running situation.
In China, the employed check of enterprise, draft all are that business manager or business manager appoint representative to obtain from bank, when business manager obtains check, draft, get back each part check, the pairing password of draft, the situation general for the use of check, draft is that enterprise is responsible for dividing personal management's check, draft and pairing password into consignable company treasurer's department.This situation is very general in enterprise.And along with the continuous variation of China's economic structure, composition joint, private, private firm constantly increases, because business manager is used the improper of financial staff, the phenomenon through business capital appears usurping, abusing in regular meeting causes damage to enterprise.Have no alternative but, some business manager has to be responsible in person password or bill (in fact the bill that the present invention mentioned is meant check or draft), this can impact just for business manager work normally, goes on business in the other places and will cause difficulty to the finance operation of enterprise as business manager.
In addition, all set up financial supervision's tissue of being made up of many people for many enterprises and joint stock company, the supervisor has the right to understand the financial operation conditions of enterprise, and exercises its monitoring power.Under existence conditions, regular on-the-spot inquiry Corporate Finance not only takies financial supervision personnel's time, also influence financial staff's operate as normal, even and the supervisor find that problem has appearred in business finance, enterprise finance supervision personnel are also powerless to business finance operation at short notice.Make supervision lose meaning, seat is looked enterprise and is sustained a loss.Owing to lack simple and effective prior monitoring means, make power lose supervision easily, deal with problems after meeting accident often.
Further problem is, does not have a kind of easy effective contact method between the business manager and the bank of deposit of enterprise, though can be by telephone contact, handling some problem telephone contact does not have legal basis; As differentiate the check that banking department's door receives, the authenticity of draft content, and business manager is got in touch just very inconvenient by the phone and the bank of deposit of enterprise, and this conveniently forges, the person has an opportunity to take advantage of to usurp the bill.
Chinese patent discloses a kind of patent of invention by the application of Korea S Samsung Electronics Co., Ltd, its denomination of invention is " credit inquiry service and a method ", the patent No. is " 94117123.X ", from then on the inventor is also noted that in Korean Patent and discloses the patent of invention that name is called " a kind of credit card terminal " that its publication number is 92-10483 in the patent.
Further notice from above-mentioned two patent inventor, publication number is that its inventive point of patent of 92-10483 is to use the user of credit inquiry terminal to receive information from financial institution or credit card company by communication line, thereby inquires the credit standing of check or credit card.Then a patent disclosure its purpose provide a credit inquiry service and method so that when inquiry check or credit card, reduce the required time.
No matter the another one purpose of the patent in back is with the state of inquiry terminal and the kind or the content of let it be state, also the operating position of subscriber's line with confirmation letter.
And the object of the present invention is to provide a kind of system and method that is used for financial monitoring inquiry, it makes bank, finance of colleges and universities and business manager pass through certain way by utilizing public telecommunication network, form check, draft that organically contact comes monitoring enterprise, understand financial position of the enterprise.This financial query monitor service system and method it no matter the finance of this enterprise how, can both be handled timely in the present residing position of current business manager.
Another object of the present invention provides a kind of system and method that is used for the financial monitoring inquiry, it can make each financial supervision personnel of enterprise can both understand the business finance operation conditions easily, and make each financial supervision personnel find business finance might or when out of joint, the financial supervision personnel can be at short notice to business finance running exercise its due restriction power.
The present invention also has the another one purpose to provide a kind of system and method that is used for the financial monitoring inquiry, it can make increases a kind of easy effective two-way connection method between the business manager and the bank of deposit of enterprise, can make business manager promptly and accurately understand the financial position of enterprise, and in time the financial activities of ratifying are authorized by notifying bank oneself in its bank of deposit.Further strengthened the security of business finance.
The present invention is a kind of be used for the financial monitoring inquiry system it comprise:
An IC-card read write line is connected on the banking computer management system, is used for bank the encrypted message of service enterprise of institute check, draft is write in the password IC-card.
One financial process machine is installed in finance of colleges and universities, is connected with the subscriber's line of public telecommunication network:
Be used for the information of payee, purposes, amount of money size and the note number of corporate payments bill is produced, stores and send to the subscriber's line of public telecommunication network, and receive the information of revising ticket contents or receive the order that allows bill to use from the subscriber's line of above-mentioned said public telecommunication network;
Be used for content according to the use bill of the original storage of information correction of the modification ticket contents that is received;
Be used for order, in above-mentioned said password IC-card, read the pairing password of note number, on bill, print the content of employed bill according to the permission bill use that is received;
Be used on the subscriber's line of public telecommunication network, receiving the corporate financial information querying command, simultaneously corporate financial information produced and sends on the subscriber's line of public telecommunication network;
Be used on the subscriber's line of public telecommunication network, receiving the information that rejection allows the bill utility command;
Be used on the subscriber's line of public telecommunication network, sending the information of inquiring enterprise, and on the subscriber's line of public telecommunication network, receive the information of enterprise in the bank finance situation in the bank finance situation;
Be used on the subscribers feeder of public telecommunication network, handling the business finance settlement information by an IC-card read write line;
One clearinghouse computer, be connected with the subscriber's line of public telecommunication network, be used to deposit service enterprise of institute bank finance status information and check, number of order and corresponding password, at any time receive the one's own profession that the subscriber's line by public telecommunication network transmits and served the order that each enterprise sends, after receiving certain enterprise's gating signal on its subscriber's line, send according to the instruction of enterprise the subscriber's line by described public telecommunication network for information about with the bank finance state of described enterprise by public telecommunication network; The financial activities information of the relevant mandate approval that can send by the subscriber's line reception enterprise of above-mentioned said public telecommunication network; Subscriber's line by public logical herdsman's net receives the information that can be allowed the order of bill use by the rejection that clearinghouse computer is approved.
One information inquiry watch-dog is generally held by business manager or financial supervision personnel, communicates with the subscriber's line of public telecommunication network, and it can be used for:
A. receive the information of payee, purposes, amount of money size and the note number of corporate payments bill by the subscriber's line of public telecommunication network, revise the information of ticket contents or the order that allows bill to use by the subscriber's line transmission of public telecommunication network;
B. the subscriber's line by public telecommunication network receives the corporate financial information that the subscriber's line by public telecommunication network sends;
C. the subscriber's line by public telecommunication network produces and sends the information that can be allowed the bill utility command by the rejection of above-mentioned said financial process machine approval;
D. the subscriber's line by public telecommunication network sends the information of this enterprise of request inquiry in the bank finance situation to the above-mentioned said clearinghouse computer that is installed in the bank; Subscriber's line by public telecommunication network receives the information of the financial position of this enterprise that the above-mentioned said clearinghouse computer that is installed in the bank sends;
E. the clearinghouse computer of subscriber's line in being installed in bank by public telecommunication network sends the information of the financial activities of authorizing approval or the information of rejection financial activities;
Above-mentioned said password IC-card is used to deposit the number of the check that obtains from bank, draft and check, the pairing encrypted message of draft; It generally has the double-encryption password, and first kind of Crypted password is that bank determines to be input in the above-mentioned said banking computer by business manager after its responsible official of service enterprise identity.In the use afterwards, above-mentioned said banking computer management system does not need the holder to repeat to input password, its use-pattern is, the password IC-card is inserted in the IC-card read write line on the above-mentioned said banking computer management system, and the banking computer management system writes the encrypted message of this enterprise's check, draft in the password IC-card.This process does not need the people who holds the password IC-card to do any operation.Helping business manager with upper type entrusts its people to be responsible for finishing the work of getting check, draft password from bank.It is reliable that this work is maintained secrecy, and carries out other work for business manager and provide convenience.Be that the password that the holder by the corporation information query watch-dog inputs respectively by above-mentioned said financial process machine constitute as the second group encryption password thereafter; Above-mentioned said financial process machine deposits the above-mentioned said second group encryption password in the memory of oneself in simultaneously;
The financial process machine and the mode of intelligence transmission between the above-mentioned said information inquiry watch-dog on the above-mentioned said subscriber's line that is connected public telecommunication network generally are to be provided with like this:
On the financial process machine, at first import the number that this enterprise sets up the information inquiry watch-dog by keyboard, after the total number of information inquiry watch-dog is established, the financial process machine is only discerned the password of these numbers, and the password value of these numbers is input in the financial process machine by a PIN PAD by the holder that enterprise issues the information inquiry watch-dog respectively, and this process allows its depositor import pin mode as present bank.When the information inquiry watch-dog uses, at first it is connected on the subscriber's line of common public communication network, import the number of the financial process machine on the subscriber's line that is connected on the indoor public communication network altogether of business finance, information inquiry watch-dog and financial process machine are connected, and then input above-mentioned said information inquiry watch-dog holder's oneself password, the information inquiry watch-dog can be operated.
Above-mentioned said financial process machine can have A with above-mentioned said information inquiry watch-dog by being provided with, B, C any communication function, and the setting of these functions to be enterprise finance supervision organize is input in the memory of financial process machine after deciding through consultation jointly, in case having given above-mentioned communication function for the financial process machine establishes apparent, want to revise above-mentioned communication function setting, only all financial supervision personnel or some (this quantity can be formulated by all financial supervision personnel collective, certain said financial process machine must have this feature) when the financial supervision personnel import the order of agreeing modification in the financial process machine, could make amendment to this.This mainly is in order to embody the democratic management finance, to make anyone its function setting of can not making amendment privately.
Clearinghouse computer in the above-mentioned said bank can have D, E any communication function with above-mentioned said information inquiry watch-dog by being provided with, and being banks, the setting of these functions determines its information inquiry watch-dog holder's identity just to provide above any communication mode when allowing for service enterprise of institute.
The present invention will have the information inquiry watch-dog of A communication function to be defined as authorized device with the financial process facility, and the information inquiry watch-dog that does not possess above-mentioned said A communication function is defined as requestor.
In the time of when the holder of information inquiry watch-dog loses oneself information inquiry watch-dog, maybe need increasing and decreasing the information inquiry watch-dog, may need the new password of input for new information inquiry watch-dog, in fact this process is provided with the same with above-mentioned said modification information inquiry watch-dog communication function, must be all or some information inquiries watch-dog holder in the financial process machine, import when agreeing order, could import new password and adding function setting; And when reducing information inquiry watch-dog holder's number, equally also need above-mentioned operation for needs.
When the holder of requestor or authorized device receives that a certain requestor that this enterprise sends or authorized device need change password request, the holder of requestor or authorized device is by the subscriber's line of public telecommunication network, action queries device or the keyboard above the authorized device, pull out the telephone number of logical this business finance processor, the holder's self of input inquiry device or authorized device password simultaneously sends to the financial process machine of this enterprise and to agree the order of changing password.This way be holder for requestor or authorized device in the strange land this enterprise of backspace in time, design during the unlikely again operate as normal that influences this enterprise.
In above-mentioned said financial process machine and information inquiry watch-dog communication function are provided with, when the financial process machine is provided with the A communication function to different information inquiry watch-dogs, the related capital quantity of order that corresponding financial process machine allows bill to use to different information inquiry watch-dogs can be told different retainings, that is to say for authorized device and can divide different stage, authorize different bills to use the amount of money respectively.This helps business manager management enterprise finance by different level, embodies financial supervision's tissue simultaneously to the financial running personnel of concrete commander authority control mechanism.
For above-mentioned said financial process machine when receiving authorized device when allowing order that bill uses, the order that this permission bill uses is stored, and the financial process machine can be provided with the function of deferred printing to the printing of bill, when reaching set time delay, after the financial process machine has been discerned the order of this time delay and above-mentioned said permission bill use simultaneously, the financial process machine also need read the second group encryption password in the above-mentioned said password IC-card, and the second group encryption password in the password IC-card that judges whether to store with above-mentioned said financial process machine is consistent, during as unanimity, the financial process machine could once print the bill that above-mentioned said authorized device allows to use.
The function of above-mentioned said deferred printing is to provide the time that can implement to supervise for the financial supervision personnel.In above-mentioned said time delay,, will not carry out the order that this permission bill uses if the financial process machine has received the information of a certain permission bill of enough rejections utility command.
Above-mentioned said financial process machine also can have following function setting: when certainly the financial process machine receives the order that permission bill that authorized device sends uses, and the order notice out of Memory query monitor device that can automatically this permission bill be used.
Above-mentioned said financial process facility have the function of deferred printing, and wherein the setting of the time length of Yan Chiing is by financial supervision's organization decided, and the assignment procedure of the time of delay is the same with the communication function setting up procedure of each information inquiry watch-dog.The time that postpones is meant the time that the subscriber's line connected state of financial process machine and above-mentioned said public telecommunication network adds up down, the function that this affair processor of will seeking wealth should have the automatic detection and the subscriber's line of above-mentioned said public telecommunication network whether to be communicated with.The purpose of this function is the time that effective enforcement supervision is provided for the financial supervision personnel.
In the present invention, the time set of above-mentioned related deferred printing, A, B, C, D, the setting of E communication function, other setting of authorized device level, it all is by stating software set in said financial process machine or the clearinghouse computer that the total number of information inquiry watch-dog is set, these are set once finishing, want to revise must be all or some information inquiries watch-dog holder in the financial process machine, import when agreeing order, could revise, when the strange land, can use the information inquiry watch-dog of oneself to give an order to the financial process machine for information inquiry watch-dog holder by the subscriber's line of public telecommunication network.
Below in conjunction with accompanying drawing purpose of the present invention is further described:
Accompanying drawing 1 is the system construction drawing of embodiments of the invention.
Accompanying drawing 2 is structural drawing of financial process machine.
Accompanying drawing 3 is structural drawing of information inquiry watch-dog.
Among Fig. 1, the 101st, bank's original computer management system, in the present invention, it deposits numbering, the encrypted message of the bill of serving each enterprise to some extent.These information can write in the password IC-card by an IC-card read write line 102 that is connected on above it.
One clearinghouse computer 103 is arranged in bank, and clearinghouse computer 103 is connected on the subscriber's line 104 of public telecommunication network 106 on the one hand, also is connected with original computer management system 101 in addition.Business finance is indoor to be equipped with a financial process machine 105, and financial process machine 105 is connected on the subscriber's line 104 of public telecommunication network 106.Authorized device 107 or requestor 108 are connected on the subscriber's line 104 when using.
Among Fig. 2, bill printer 201, display 202, magnetic recording reader 203 memories 205, keyboard 206, IC-card read write line 207, modulator-demodular unit 208, PIN PAD 211 are joined with microcontroller 204 respectively, pass through microcontroller 204 Data transmission between them.Their sensor of bill recognition device 210 is packed in the bill printer 201, and the control signal of sensor is handled by microcontroller 204; Modulator-demodular unit 208 outer input ports are connected on the subscriber's line 104 of public telecommunication network 106; Simultaneously on the subscriber's line 104 of public telecommunication network 106 and modulator-demodular unit 208 and be connected to a telephone set 209.
According to a kind of system that is used for the financial monitoring inquiry of the present invention, the purposes of wherein said financial process machine 105 each several parts is:
Keyboard 206, paying unit, purposes, amount of money size and the check number, this financial position of the enterprise information that are used for importing above-mentioned said check are to memory 205;
IC-card read write line 207 is used to read password IC-card Nei Ben enterprise bill number and bill number pairing password;
Modulator-demodular unit 208, be used for the information translation of subscriber's line 104 on the public telecommunication network 106 is become microcontroller 204 accessible signals, the conversion of signals of simultaneously again will above-mentioned said microcontroller 204 handling become can subscriber's line 104 transmits on above-mentioned said public telecommunication network 106 standard signal;
Display 202 is used for showing for information about under above-mentioned microprocessor controls;
Bill printer 201 is used for printing above-mentioned said bill printing by authorized device 107 or requestor 108 approvals under 204 controls of above-mentioned microcontroller;
Memory 205, it deposit above-mentioned said microcontroller 204 handle various information operation program and deposit for information about;
Magnetic recording reader 203 is used to read the number on check, the draft; This is custom-designed for the bill that has the magnetic recording number, and this can make the number on check, the draft have confidentiality with method, in case the use of fictitious bill.
Phone 209 is connected on the subscriber's line 104 of public telecommunication network 106, is used for and outside writing to each other;
Phone 209 on the above-mentioned said subscriber's line 104 that is connected on public telecommunication network 106 can adopt the telephone number of same subscriber's line 104 with the financial process machine, also can adopt the telephone number of other subscriber's line 104.
Bill recognition device 210 mainly prevents the use of fictitious bill, in case obtain the bill password.
PIN PAD 211 is used to import encrypted message.
Among Fig. 3, display 301, memory 304, keyboard 302, interface 305, modulator-demodular unit 306 join with microcontroller 303 respectively, pass through microcontroller 303 Data transmission between them.Modulator-demodular unit 306 is connected on the subscriber's line 104 of public telecommunication network 106;
According to a kind of system that is used for the financial monitoring inquiry of the present invention, the purposes of wherein said information inquiry watch-dog each several part is:
Keyboard 302 is used to inquire about various information and order;
Modulator-demodular unit 306, be used for being become microcontroller 303 accessible signals by the information translation of the subscriber's line on the public telecommunication network 106 104, again above-mentioned said microcontroller 303 accessible conversion of signals being become simultaneously can be at the standard signal of 104 transmission of the subscriber's line on the above-mentioned said public telecommunication network 106;
Microcontroller 303 is used to control, the transmission of process information;
The structure of above-mentioned said information inquiry watch-dog is in order to be used and to design with existing means of communication, also can make other two kinds of forms for the information inquiry watch-dog, a kind of and mobile phone is made of one, and that is to say increases above-mentioned said function on the basis of prior mobile phone; Another kind and wire telephony are as one, and that is to say increases this function on existing wire telephony basis.
More than a kind of system that is used for financial monitoring inquiry of the present invention is had been described in detail, in conjunction with the accompanying drawings a kind of using method that is used for the system of financial monitoring inquiry of the present invention is done an explanation more below.A kind of using method that is used for the system of financial monitoring inquiry of the present invention comprises: the communication process that financial process machine 105 and information inquiry watch-dog are once complete is:
Financial process machine on the subscriber's line 104 of above-mentioned said public telecommunication network 106 105 is connected; When enterprise uses bill, the operating personnel of financial process machine 105 at first import the paying unit of these bills by the keyboard on the described financial process machine 105 206, purposes, amount of money size and note number (also can be) by above-mentioned said magnetic recording reader 203 direct its numbers of typing for the bill that has the magnetic recording number, financial process machine 105 will be judged the amount of money size that is input to this bill in the memory 205 by keyboard 206, be to belong to other authorized device 107 management of that one-level, financial process machine 105 will send the use information of this bill of request to the possessor of this rank or this authorized device 107 more than rank, financial process machine 105 is to the paying unit of each bill simultaneously, purposes, amount of money size and note number carry out record, wait for the inquiry and the mandate of authorized device 107 or wait for requestor 108 inquiries.
Authorized device 107 is connected on the subscriber's line 104 of public telecommunication network 106, pull out logical described financial process machine 105 by keyboard, and keyboard is inputed above-mentioned said authorized device 107 holders' password, it is oneself approval that financial process machine 105 has only the encrypted message of receiving authorized device 107 holders, and this moment, financial process machine 105 and authorized device 107 holders can carry out two-way communication.
Financial process machine 105 may send the request of several parts of request use bills simultaneously to authorized device 107, can selectively authorize and hold authorized device, also might authorize simultaneously, may make amendment sometimes to the use content of its bill.Therefore the people who holds authorized device 107 at first inquires about by paying unit, purposes, amount of money size and check number that keyboard 302 extracts the used bill of financial process machine 105 storages on the subscriber's line 104 that is connected on above-mentioned said public telecommunication network 106, make amendment as amount of money size to a certain bill, the modification that can be undertaken by keyboard 302, when the holder of authorized device 107 approves, send authorization message to financial process machine 105 by the mandate key on the keyboard 302.
Financial process machine 105 is when authorization message that the holder who receives authorized device 107 sends, the holder's of this authorization message, authorized device 107 password is stored, wait for one period time delay, in this section time delay, the holder of authorized device 107 or requestor 108 can inquire about, as finding problem is arranged, the subscriber's line 104 by public telecommunication network 106 sends the rejection signal to financial process machine 105, exercises the power of veto.
Financial process machine 105 will be discerned the bill bill recognition device of printing 210 when printing, and then is in the end to read from the password IC-card for the password of the bill of printing, and is printed on the bill, in case utilize fictitious bill to obtain the bill password.
And for having the bill that has the magnetic recording number, whether the note number that can utilize magnetic recording reader 203 to read is consistent with the note number of reading from the password IC-card, judges true and false bill.
The process that the holder of above-mentioned said requestor 108 inquires about this business finance processor 105 is the same with authorized device 107 authorization query processes, all be to inquire about, and the rejection signal that sends is to be sent by the rejection key on the keyboard 302 by the query key on the keyboard 302.
Information inquiry watch-dog and banking computer herdsman cease the once complete communication process in center 103: requestor 108 or authorized device 107 are connected on the subscriber's line 104 of public telecommunication network 106, (banking computer information center 103 has many numbers to pull out the number that leads to banking computer information center 103 by keyboard, only need import one of them number for the user), behind the number that pulls out logical banking computer information center 103, the holder of requestor 108 or authorized device 107 must input the password of self again, the encrypted message that banking computer information center 103 only receives authorized device 107 holders is oneself approval, and this moment, the holder of banking computer information center 103 and authorized device 107 or requestor 108 can carry out two-way communication.
The holder of authorized device 107 or requestor 108 at first sends the order that needs information extraction by keyboard 302 to banking computer center 103, banking computer information center 103 is after receiving these orders, send required information inquiring according to the authorized device 107 or the requestor 108 of these orders on the subscriber's line 104 of public telecommunication network 106, authorized device 107 or requestor 108 need the information inquiring storage with these, holder's inquiry for authorized device 107 or requestor 108, because quantity of information is very big, these information can not show at display 301 whole screens, therefore keyboard 302 is provided with page turning key up and down, supplies the holder of authorized device 107 or requestor 108 to inquire about.
Lead to the above, we can find that extremely long-pending meaning of the present invention is very obvious. This body Present the following aspects:
1. because all bills of enterprise's foreign payment all are to control by the financial process machine to beat Bill can effectively use behind the seal, and the control bill printing is to be total to by authorized device and Duo Tai requestor Same-action; This has just effectively overcome because business manager is used the improper of financial staff, Occur usurping, overflow with the phenomenon of business capital through regular meeting.
2. authorized device can also be with this mandate when sending authorization command to the business finance processor Context notification banking computer information centre, this just makes the business finance running safer.
3. all situations of the finance of enterprise running was all kept away the processing of financial process machine, and wealth Information in the affair processor, the corporate financial information of banking computer information centre are not only by mandate Device is directly inquired about, simultaneously can also be by many requestor inquiries of enterprise's approval; And requestor and awarding The power device can be exercised the power of veto again, and this just brings convenience for the democratic management of enterprises, scientific management.
4. moreover, owing in the financial process machine of the present invention an IC-card read write line is arranged, and Included each of the present invention all is to finish all by the online subscribers' line of common communication partly Operation, so the present invention can also realize carrying out between enterprise and the enterprise gathering and the payment worker in strange land Do.
Positive effect of the present invention is that also a cover is perfect, effective inquiry because it provides The means that monitoring enterprise check, draft use are for enterprise's science, democratic management finance provide Greatly flexibility and security, it can make enterprise different according to the actual conditions establishment of self The software of management enterprise finance, certain this software should have social recognition, standard or band International standard is arranged, the encryption that this transmits comprising information each other, decrypting process.
Therefore the inventor thinks, the means that every employing is involved in the present invention, and it is soft that let it be How part is formulated all should be within the protection domain of the present invention.
Claims (7)
1. one kind is used for the system that financial monitoring is inquired about, and it is characterized in that:
An IC-card read write line is connected on the banking computer management system, is used for bank the encrypted message of service enterprise of institute check, draft is write in the password IC-card;
One financial process machine is installed in finance of colleges and universities, is connected with the subscriber's line of public telecommunication network;
Be used for the information of payee, purposes, amount of money size and the note number of corporate payments bill is produced, stores and send to the subscriber's line of public telecommunication network, and receive the information of revising ticket contents or receive the order that allows bill to use from the subscriber's line of above-mentioned said public telecommunication network;
Be used for content according to the use bill of the original storage of information correction of the modification ticket contents that is received;
Be used for order, in above-mentioned said password IC-card, read the pairing password of note number, on bill, print the content of employed bill according to the permission bill use that is received;
Be used on the subscriber's line of public telecommunication network, receiving the corporate financial information querying command, simultaneously corporate financial information produced and sends on the subscriber's line of public telecommunication network;
Be used on the subscriber's line of public telecommunication network, receiving the information that rejection allows the bill utility command;
Be used on the subscriber's line of public telecommunication network, sending the information of inquiring enterprise, and on the subscriber's line of public telecommunication network, receive the information of enterprise in the bank finance situation in the bank finance situation;
Be used on the subscribers feeder of public telecommunication network, handling the business finance settlement information by an IC-card read write line;
One clearinghouse computer, be connected with the subscriber's line of public telecommunication network, be used to deposit service enterprise of institute bank finance status information and check, number of order and corresponding password, at any time receive the one's own profession that the subscriber's line by public telecommunication network transmits and served the order that each enterprise sends, after receiving certain enterprise's gating signal on its subscriber's line, send according to the instruction of enterprise the subscriber's line by described public telecommunication network for information about with the bank finance state of described enterprise by public telecommunication network; The financial activities information of the relevant mandate approval that can send by the subscriber's line reception enterprise of above-mentioned said public telecommunication network; Subscriber's line by public telecommunication network receives the information that can be allowed the order of bill use by the rejection that clearinghouse computer is approved;
One information inquiry watch-dog is generally held by business manager or financial supervision personnel, communicates with the subscriber's line of public telecommunication network, and it can be used for:
A. receive the information of payee, purposes, amount of money size and the note number of corporate payments bill by the subscriber's line of public telecommunication network, revise the information of ticket contents or the order that allows bill to use by the subscriber's line transmission of public telecommunication network;
B. the subscriber's line by public telecommunication network receives the corporate financial information that the subscriber's line by public telecommunication network sends;
C. the subscriber's line by public telecommunication network produces and sends the information that can be allowed the bill utility command by the rejection of above-mentioned said financial process machine approval;
D. the subscriber's line by public telecommunication network sends the information of this enterprise of request inquiry in the bank finance situation to the above-mentioned said clearinghouse computer that is installed in the bank; Subscriber's line by public telecommunication network receives the information of the financial position of this enterprise that the above-mentioned said clearinghouse computer that is installed in the bank sends;
E. the clearinghouse computer of subscriber's line in being installed in bank by public telecommunication network sends the information of the financial activities of authorizing approval or the information of rejection financial activities;
2. a kind of system that is used for financial monitoring inquiry according to claim 1, its feature also is: above-mentioned said password IC-card is used to deposit the number of the check that obtains from bank, draft and check, the pairing encrypted message of draft; It generally has the double-encryption password, and first kind of Crypted password is that bank determines to be input in the above-mentioned said banking computer by business manager after its responsible official of service enterprise identity; Second kind of password that is the holder by the corporation information query watch-dog inputs respectively by above-mentioned said financial process machine constitutes as the second group encryption password, and above-mentioned said financial process machine deposits the above-mentioned said second group encryption password in the memory of oneself in simultaneously.
3. a kind of system that is used for the financial monitoring inquiry according to claim 1, its feature also is: wherein said financial process machine 105 comprises:
Keyboard 206, paying unit, purposes, amount of money size and the check number, this financial position of the enterprise information that are used for importing above-mentioned said check are to memory 205;
IC-card read write line 207 is used to read password IC-card Nei Ben enterprise bill number and bill number pairing password;
Modulator-demodular unit 208, be used for the information translation of subscriber's line 104 on the public telecommunication network 106 is become microcontroller 204 accessible signals, the conversion of signals of simultaneously again will above-mentioned said microcontroller 204 handling become can subscriber's line 104 transmits on above-mentioned said public telecommunication network 106 standard signal;
Microcontroller 204 is used to control, the transmission of process information;
Display 202 is used for showing for information about under above-mentioned microprocessor controls;
Bill printer 201 is used for printing above-mentioned said bill printing by authorized device 107 or requestor 108 approvals under 204 controls of above-mentioned microcontroller;
Memory 205, it deposit above-mentioned said microcontroller 204 handle various information operation program and deposit for information about;
Magnetic recording reader 203 is used to read the number on check, the draft; This is custom-designed for the bill that has the magnetic recording number, and this can make the number on check, the draft have confidentiality with method, in case the use of fictitious bill;
Phone 209 is connected on the subscriber's line 104 of public telecommunication network 106, is used for and outside writing to each other;
Phone 209 on the above-mentioned said subscriber's line 104 that is connected on public telecommunication network 106 can adopt the telephone number of same subscriber's line 104 with the financial process machine, also can adopt the telephone number of other subscriber's line 104;
Bill recognition device 210 mainly prevents the use of fictitious bill, to obtain the bill password.
PIN PAD 211 is used to import encrypted message.
4. a kind of system that is used for the financial monitoring inquiry according to claim 1, its feature also is: wherein said information inquiry watch-dog comprises:
Display 301 is used to show the external information that receives by modulator-demodular unit 306; The various information that are used for display keyboard 302 inputs; Be used to show the information of memory storage;
Keyboard 302 is used to inquire about various information and order;
Modulator-demodular unit 306, be used for being become microcontroller 303 accessible signals by the information translation of the subscriber's line on the public telecommunication network 106 104, again above-mentioned said microcontroller 303 accessible conversion of signals being become simultaneously can be at the standard signal of 104 transmission of the subscriber's line on the above-mentioned said public telecommunication network 106;
Microcontroller 303 is used to control, the transmission of process information;
Memory 304, it deposit above-described microcontroller 303 handle various data operation program and deposit for information about;
Interface 305, it can be used for being connected with the communication port of phone.
5. a kind of system that is used for the financial monitoring inquiry according to claim 1, its feature also is: the structure of wherein above-mentioned said information inquiry watch-dog is in order to be used and to design with existing means of communication, also can make other two kinds of forms for the information inquiry watch-dog, a kind of and mobile phone is made of one, and another kind and wire telephony are as one.
6. a kind of system that is used for the financial monitoring inquiry according to claim 1, its feature also is: the financial process machine and the mode of intelligence transmission between the above-mentioned said information inquiry watch-dog that are connected on the subscriber's line of public telecommunication network generally are to be provided with like this: at first import the number that this enterprise sets up the information inquiry watch-dog by keyboard on the financial process machine, after the total number of information inquiry watch-dog is established, the financial process machine is only discerned the password of these numbers, and the password value of these numbers is input in the financial process machine by a PIN PAD by the holder that enterprise issues the information inquiry watch-dog respectively, when the information inquiry watch-dog uses, at first it is connected on the subscriber's line of common public communication network, import the number of the financial process machine on the subscriber's line that is connected on the indoor public communication network altogether of business finance, information inquiry watch-dog and financial process machine are connected, and then input above-mentioned said information inquiry watch-dog holder's oneself password, the information inquiry watch-dog can be operated;
Above-mentioned said financial process machine can have A, B, C any communication function with above-mentioned said information inquiry watch-dog by being provided with, and the setting of these functions to be enterprise finance supervision organize is input in the memory of financial process machine after deciding through consultation jointly, in case given above-mentioned communication function setting for the financial process machine, want to revise above-mentioned communication function setting, only when the financial supervision personnel of all financial supervision personnel or some import the order of agreeing modification in the financial process machine, could make amendment to this;
Clearinghouse computer in the above-mentioned said bank can have D, E any communication function with above-mentioned said information inquiry watch-dog by being provided with, and being banks, the setting of these functions determines its information inquiry watch-dog holder's identity just to provide above any communication mode when allowing for service enterprise of institute;
In the time of when the holder of information inquiry watch-dog loses oneself information inquiry watch-dog, maybe need increasing and decreasing the information inquiry watch-dog, may need the new password of input for new information inquiry watch-dog, in fact this process is provided with the same with above-mentioned said modification information inquiry watch-dog communication function, must be all or some information inquiries watch-dog holder in the financial process machine, import when agreeing order, could import new password and adding function setting; And when reducing information inquiry watch-dog holder's number, equally also need above-mentioned operation for needs;
When the holder of requestor or authorized device receives that a certain requestor that this enterprise sends or authorized device need change password request, the holder of requestor or authorized device is by the subscriber's line of public telecommunication network, action queries device or the keyboard above the authorized device, pull out the telephone number of logical this business finance processor, the holder's self of input inquiry device or authorized device password simultaneously sends to the financial process machine of this enterprise and to agree the order of changing password;
In above-mentioned said financial process machine and information inquiry watch-dog communication function are provided with, when the financial process machine is provided with the A communication function to different information inquiry watch-dogs, the related capital quantity of order that corresponding financial process machine allows bill to use to different information inquiry watch-dogs can be told different retainings, that is to say for authorized device and can divide different stage, authorize different bills to use the amount of money respectively;
For above-mentioned said financial process machine when receiving authorized device when allowing order that bill uses, the order that this permission bill uses is stored, and the financial process machine can be provided with the function of deferred printing to the printing of bill, when reaching set time delay, after the financial process machine has been discerned the order of this time delay and above-mentioned said permission bill use simultaneously, the financial process machine also need read the second group encryption password in the above-mentioned said password IC-card, and the second group encryption password in the password IC-card that judges whether to store with above-mentioned said financial process machine is consistent, during as unanimity, the financial process machine could once print the bill that above-mentioned said authorized device allows to use;
The function of above-mentioned said deferred printing is to provide the time that can implement to supervise for the financial supervision personnel; In above-mentioned said time delay,, will not carry out the order that this permission bill uses if the financial process machine has received the information of a certain permission bill of enough rejections utility command;
When above-mentioned said financial process machine receives the order that permission bill that authorized device sends uses, the order notice out of Memory query monitor device that can automatically this permission bill be used;
Above-mentioned said financial process facility have the function of deferred printing, and wherein the setting of the time length of Yan Chiing is by financial supervision's organization decided, and the assignment procedure of the time of delay is the same with the communication function setting up procedure of each information inquiry watch-dog; The time that postpones is meant the time of ticket meter under the subscriber's line connected state of financial process machine and above-mentioned said public telecommunication network, the function that this affair processor of will seeking wealth should have the automatic detection and the subscriber's line of above-mentioned said public telecommunication network whether to be communicated with;
7. using method that is used for the system of financial monitoring inquiry is characterized in that: the communication process that financial process machine 105 and information inquiry watch-dog are once complete is:
Financial process machine on the subscriber's line 104 of above-mentioned said public telecommunication network 106 105 is connected; When enterprise uses bill, the operating personnel of financial process machine 105 at first import the paying unit of these bills by the keyboard on the described financial process machine 105 206, purposes, amount of money size and note number, financial process machine 105 will be judged the amount of money size that is input to this bill in the memory 205 by keyboard 206, be to belong to other authorized device 107 management of that one-level, financial process machine 106 will send the use information of this bill of request to the possessor of this rank or this authorized device 107 more than rank, financial process machine 105 is to the paying unit of each bill simultaneously, purposes, amount of money size and note number carry out record, wait for the inquiry and the mandate of authorized device 107 or wait for requestor 108 inquiries;
Authorized device 107 is connected on the subscriber's line 104 of public telecommunication network 106, pull out logical described financial process machine 105 by keyboard, and keyboard is inputed above-mentioned said authorized device 107 holders' password, it is oneself approval that financial process machine 105 has only the encrypted message of receiving authorized device 107 holders, and this moment, financial process machine 105 and authorized device 107 holders can carry out two-way communication;
Financial process machine 105 may send the request of several parts of request use bills simultaneously to authorized device 107, can selectively authorize and hold authorized device, also might authorize simultaneously, may make amendment sometimes to the use content of its bill; Therefore the people who holds authorized device 107 at first inquires about by paying unit, purposes, amount of money size and check number that keyboard 302 extracts the used bill of financial process machine 105 storages on the subscriber's line 104 that is connected on above-mentioned said public telecommunication network 106, make amendment as amount of money size to a certain bill, the modification that can be undertaken by keyboard 302, when the holder of authorized device 107 approves, send authorization message to financial process machine 105 by the mandate key on the keyboard 302;
Financial process machine 105 is when authorization message that the holder who receives authorized device 107 sends, the holder's of this authorization message, authorized device 107 password is stored, wait for one period time delay, in this section time delay, the holder of authorized device 107 or requestor 108 can inquire about, as finding problem is arranged, the subscriber's line 104 by public telecommunication network 106 sends the rejection signal to financial process machine 105, exercises the power of veto;
The process that the holder of above-mentioned said requestor 108 inquires about this business finance processor 105 is the same with authorized device 107 authorization query processes, all be to inquire about, and the rejection signal that sends is to be sent by the rejection key on the keyboard 302 by the query key on the keyboard 302;
The once complete communication process in information inquiry watch-dog and banking computer center 103 is:
Requestor 108 or authorized device 107 are connected on the subscriber's line 104 of public telecommunication network 106, the number that pulls out logical banking computer center 103 by keyboard is behind the number that pulls out logical banking computer center 103, the holder of requestor 108 or authorized device 107 must input the password of self again, the encrypted message that banking computer center 103 only receives authorized device 107 holders is oneself approval, and this moment, the holder of banking computer center 103 and authorized device 107 or requestor 108 can carry out two-way communication;
The holder of authorized device 107 or requestor 108 at first sends the order that needs information extraction by keyboard 302 to banking computer center 103, banking computer center 103 is after receiving these orders, send required information inquiring according to the authorized device 107 or the requestor 108 of these orders on the subscriber's line 104 of public telecommunication network 106, authorized device 107 or requestor 108 need the information inquiring storage with these, holder's inquiry for authorized device 107 or requestor 108, because quantity of information is very big, these information can not show at display 301 whole screens, therefore keyboard 302 is provided with page turning key up and down, supplies the holder of authorized device 107 or requestor 108 to inquire about.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN96118916A CN1184288A (en) | 1996-12-06 | 1996-12-06 | Financial monitoring and polling system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN96118916A CN1184288A (en) | 1996-12-06 | 1996-12-06 | Financial monitoring and polling system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1184288A true CN1184288A (en) | 1998-06-10 |
Family
ID=5125416
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN96118916A Pending CN1184288A (en) | 1996-12-06 | 1996-12-06 | Financial monitoring and polling system and method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN1184288A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109146655A (en) * | 2018-07-25 | 2019-01-04 | 西安财经学院 | A kind of financial regulation system |
-
1996
- 1996-12-06 CN CN96118916A patent/CN1184288A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109146655A (en) * | 2018-07-25 | 2019-01-04 | 西安财经学院 | A kind of financial regulation system |
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