CN1588390A - Method and system for processing group user fund data based on network - Google Patents
Method and system for processing group user fund data based on network Download PDFInfo
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- CN1588390A CN1588390A CN 200410055104 CN200410055104A CN1588390A CN 1588390 A CN1588390 A CN 1588390A CN 200410055104 CN200410055104 CN 200410055104 CN 200410055104 A CN200410055104 A CN 200410055104A CN 1588390 A CN1588390 A CN 1588390A
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Abstract
The present invention is user fund data processing method and system based on network, and relates to network communication technology, especially in bank network. The group user's fund collecting and appropriating operation to the branch accounts includes the following steps: to store in the network bank group user fund data exchange mapping relation library with at least the fund data exchange information of branch names, branch accounts, fund data exchange time, fund control fund transferred account; and for the group head office server to enter the network bank via cipher to complete the branch fund data processing. The present invention makes it possible for the group head office to monitor the fund information of its branches to ensure the safety and stability of group fund data.
Description
Technical field
The present invention relates to network communication field, particularly the bank network field is a kind of method and system that user's fund data are handled Network Based concretely.
Background technology
Along with The development in society and economy has been turned out a collection of internationalization large enterprises, these conglomerates all have branch offices throughout the country, and these branch officeses also all have the economic strength of oneself, and it is just quite difficult as general headquarters of group these branch officeses to be carried out financial management, not only wanting annual sends the special messenger to go to look into the account of each branch offices, and general headquarters of group provide a certain amount of retained capital will for each branch offices, the control of being difficult to that how much has about fund, caused the chaotic and waste of group internal account, the account that is unfavorable for all branch officeses of unified management like this, and error artificially may appear, influence the stability of company's account, influenced the development of company.
Summary of the invention
In order to address the above problem, the invention provides a kind of method and system that group user fund data are handled Network Based, its purpose is to improve the fund account the flowing of diverse geographic location, and guarantees the accuracy of data, has guaranteed the fund safety of data.
A kind of based on network group user fund data processing method is characterized in that, makes the fund exchanges data between general headquarters of group and the branch of group pass through to realize as third-party bank internal network; Its concrete steps comprise:
The bank of deposit server of group's headquarters server by bank's special line and general headquarters of group linked;
The bank of deposit server of branch of group server by bank's special line and branch of group linked;
Be coupled by the Internet bank between bank of deposit's server of general headquarters of described group and the bank of deposit's server of branch of group, and store group user fund exchanges data mapping relations storehouse in the described Internet bank, described group user fund exchanges data mapping relations storehouse comprises that at least branch of group title, branch of group account, fund exchanges data time, amount of money control, fund change the fund exchanges data information of account over to;
Described group headquarters server enters the described Internet bank by password, and realizes processing to branch of group fund data according to fund exchanges data instruction authority and described group user fund exchanges data mapping relations storehouse.
Described fund exchanges data instruction authority is provided with by general headquarters of group; User login Web bank of general headquarters of group, and according to fund exchanges data instruction authority proposition fund data exchange request, this user of general headquarters of group can handle the fund in branch of the group account according to group user fund exchanges data mapping relations storehouse after being verified.
Described fund exchanges data instruction authority comprises: the scope of inquiry, payment, gathering, control number of the account and operation amount of money size.
Branch of described group has a plurality of, stores the title of all branches of group of group internal in described group user fund exchanges data mapping relations storehouse;
The corresponding a plurality of accounts of each branch of described group, in described group user fund exchanges data mapping relations storehouse according to corresponding its a plurality of numbers of the account of the title of branch of group;
Described amount of money control comprises the condition that the reserved amount and the last receipts amount of money are set;
Described fund changes account over to and comprises a plurality of optional accounts.
The bank of deposit server of group's headquarters server by bank's special line and general headquarters of group links and comprise: bank of deposit's server of group's headquarters server and general headquarters of group is to link by security proxy server, and comprise the user of general headquarters of group is carried out authentication, the fund exchanges data is signed electronically.
The IC-card with processor is adopted in the subscriber authentication of general headquarters of group.
The mode that key combines with private key that is total to is adopted in the subscriber authentication of general headquarters of group.
A kind of based on network group user fund data handling system comprises: the Internet bank; It is characterized in that also comprising: bank of deposit's server of bank of deposit's server of group's headquarters server, general headquarters of group, branch of group server, branch of group;
The bank of deposit server of group's headquarters server by bank's special line and general headquarters of group linked;
The bank of deposit server of branch of group server by bank's special line and branch of group linked;
Be coupled by the Internet bank between bank of deposit's server of general headquarters of described group and the bank of deposit's server of branch of group, and store group user fund exchanges data mapping relations storehouse in the described Internet bank, described group user fund exchanges data mapping relations storehouse comprises that at least branch of group title, branch of group account, fund exchanges data time, amount of money control, fund change the fund exchanges data information of account over to;
Described group headquarters server enters the described Internet bank by password, and realizes processing to branch of group fund data according to fund exchanges data instruction authority and described group user fund exchanges data mapping relations storehouse.
Also comprise: security proxy server, described security proxy server use the SSL secure communication to encrypt.
Also comprise: the electronic signature module of identifying user identity and authority or the IC-card of tape handling device.
In the described Internet bank, also comprise: payment module, when the distribution user of group proposes the online transaction Payment Request, this payment module checks earlier whether well-behaved account user has authority to pay, if do not have authority then return error message, whether otherwise continuing has enough remaining sum funds for payment in this part of inquiry account, if Sorry, your ticket has not enough value then return error message, otherwise mark this fund from a minute account place bank, and the details of this payment data are sent to the database of account place bank of general headquarters of group, so that write down the particulars of dividing account;
The gathering module, be under general headquarters of group account, to send affiliated minute account carried out detailed inquiry, and this minute account fund put the bank at general headquarters of group account place under, the bank at general headquarters of group account place sends the transfer request data, and branch account place bank accepts to stay record in this request and the two ends banking data base;
Group user fund exchanges data mapping relations storehouse stores the title of all branches of group of group internal; The corresponding a plurality of accounts of each branch of described group, in described group user fund exchanges data mapping relations storehouse according to corresponding its a plurality of numbers of the account of the title of branch of group; Described amount of money control comprises the condition that the reserved amount and the last receipts amount of money are set; Described fund changes account over to and comprises a plurality of optional accounts.
Described terms of settlement are for controlling by time variable.
Described user's fund data map concerns that the storehouse can online updating.
Also comprise: printing equipment.
Beneficial effect of the present invention is, the monitoring nationwide belongs to the remaining sum of branch offices's account of group user in real time, amount, information such as detail, guaranteed the safety and stability of fund data, and save each branch offices and regularly drawn work such as account, all improved a lot from economic angle and standpoint of efficiency to general headquarters of group.
Description of drawings
Fig. 1 is a structural drawing of the present invention;
Fig. 2 is user's fund data processing structure figure of the present invention;
Fig. 3 is the process flow diagram of the present invention's payment;
Fig. 4 is the process flow diagram of the present invention's gathering;
Fig. 5 is an embodiment of the invention synoptic diagram.
Embodiment
Below, carry out following detailed description for the present invention in conjunction with the accompanying drawings.
Be illustrated in figure 1 as structural drawing of the present invention, group's headquarters server is linked by public network and security proxy server, this security proxy server links by bank of deposit's server of bank's special line and general headquarters of group; The bank of deposit server of branch of group server by bank's special line and branch of group linked; Be coupled by the Internet bank between bank of deposit's server of general headquarters of described group and the bank of deposit's server of branch of group, and store group user fund exchanges data mapping relations storehouse in the described Internet bank, described group user fund exchanges data mapping relations storehouse comprises that at least branch of group title, branch of group account, fund exchanges data time, amount of money control, fund change the fund exchanges data information of account over to; Described group headquarters server enters the described Internet bank by password, and realizes processing to branch of group fund data according to fund exchanges data instruction authority and described group user fund exchanges data mapping relations storehouse.
Fig. 2 is the structural drawing of user's fund data processing of the present invention, comprising paying module by mails, gathering module, user's fund exchanges data mapping relations storehouse;
Pay module by mails, as shown in Figure 3, when minute account user proposes the online transaction Payment Request, this E-Payment module checks earlier whether well-behaved account user has authority to pay, if do not have authority then return error message, whether otherwise continuing has enough remaining sum funds for payment in this part of inquiry account, if Sorry, your ticket has not enough value then return error message, otherwise mark this fund from a minute account place bank, and the details of this payment data are sent to the database of group account place bank, so that write down the particulars of dividing account.
The gathering module, be under group account, to send affiliated minute account carried out detailed inquiry, and this minute account fund put the bank at group account place under, the bank at group account place sends the transfer request data, and branch account place bank accepts to stay record in this request and the two ends banking data base.
User's fund exchanges data mapping relations storehouse is as shown in the table, list the title of all branch officeses, when selecting some branch officeses, lists group user pairing all the branch account lists of this branch offices, select terms of settlement by group user, in this example for controlling by time variable, for example monthly, by ten days, per diem control, the concrete operations of selecting the clearing house to do, the account that the selection fund changes over to.
| Sequence number | Branch offices's title | Branch offices's account | Time control | Amount of money control | Change account over to |
| In proper order | List all branch offices of group titles respectively | Automatically respective branches mechanism shows, account can be selected in a plurality of minutes | Monthly press ten days per diem | Receive the amount of money on the reserved amount | The group internal account is selected |
Sequence number: sequence number is arranged in order.
Branch offices's title: the demonstration of branch offices's title should be arranged according to the branch offices that has the payment sign in user's fund data process subsystem.In user's fund data process subsystem, there is not the branch offices of Payment Options not list.
Branch offices's account: respective branches organization names system shows the branch account of its correspondence automatically, as the corresponding a plurality of accounts of a branch offices, provides the account Drop Down Menu Choices
Time control: time control is divided into three selections (to an account, can only select one):
1. monthly
2. by ten days
3. per diem;
If selected monthly, should down not select;
(did to be arranged in the end of the month in every month, the non-working time arranges in addition)
If selected, should down select (, can only select one) to an account by ten days:
1. by the first tenday period of a month;
2. by the middle ten days;
3. by the last ten-days period;
4. by twice of the first tenday period of a month, the middle ten days
5. by twice of the first tenday period of a month, the last ten-days period
6. by twice of the middle ten days, the last ten-days period
7. by upper, middle and lower ten days three times
(should be arranged in the first tenday period of a month No. 10, should be arranged in the middle ten days No. 20, should be arranged in the end of the month last ten-days period, and the non-working time arranges in addition)
If selected per diem, should down select (, can only select one) to an account:
1. every morning
2. every afternoon
3. twice of every day
Amount of money control: amount of money control is divided into two selections (to an account, can only select one):
1. reserved amount.Reserved amount is after initiating gathering, the account the balance of funding numerical value.Therefore, if when user's fund data process subsystem is initiated gathering, the account the balance of funding smaller or equal to reserved amount, then do not carry out payment operation, otherwise, deduct the amount of money that draws behind the reserved amount with account the balance of funding at that time and carry out payment operation.
2. go up and receive the amount of money.The amount of money of should collect when the last receipts amount of money is collected money for initiation as shown in Figure 4.As account at that time remaining sum less than the last receipts amount of money, then do not initiate this instruction, otherwise according to last receipts amount of money Sending Payments instruction.Simultaneously can realize batch gathering work to the operation of collecting money of a plurality of minutes accounts.
Change account over to: change account over to and be meant information for Web bank's settlement on networks beneficiary.
For each can above receipts fund branch offices, can select one to change account over to.
Operating right control: this function need be finished jointly by basic permission ID and authorization privilege ID, when submitting this table to, should add two people's digital signature, and adopts the encryption method of strict safety.Multiple fire wall and security proxy server are set combine, adopt high-intensity 128 SSL secure communication cryptographic means; Set up CA safety certification mechanism, utilize 1024 the strongest asymmetric key algorithms of security in the world to set up the public key safety system, the software S-Agent of Web bank that client is used encrypts the All Activity sensitive information, adopt the customer's certificate authenticating identity and transaction is signed electronically, customer's certificate leaves in supports the asymmetric RSA Algorithm, on the IC-card of band coprocessor, in the electronic cash instruction, set up payment cipher.
As shown in Figure 5, general headquarters of group utilize user's fund data process subsystem of the present invention to the operation that the branch office of all parts of the country collects money and appropriates funds by Web bank, can inquire about the detailed account of a branch office, and flexible management.
Useful purpose of the present invention is, make general headquarters of group monitor the remaining sum of branch offices's account of nationwide in real time, amount, information such as detail, guaranteed the safety and stability of group capital data, and save each branch offices and regularly drawn work such as account, group user is all had greatly improved economically with on the efficient to general headquarters of group.
Above embodiment only is used to illustrate the present invention, but not is used to limit the present invention.
Claims (14)
1. a based on network group user fund data processing method is characterized in that, makes the fund exchanges data between general headquarters of group and the branch of group pass through to realize as third-party bank internal network; Its concrete steps comprise:
The bank of deposit server of group's headquarters server by bank's special line and general headquarters of group linked;
The bank of deposit server of branch of group server by bank's special line and branch of group linked;
Be coupled by the Internet bank between bank of deposit's server of general headquarters of described group and the bank of deposit's server of branch of group, and store group user fund exchanges data mapping relations storehouse in the described Internet bank, described group user fund exchanges data mapping relations storehouse comprises that at least branch of group title, branch of group account, fund exchanges data time, amount of money control, fund change the fund exchanges data information of account over to;
Described group headquarters server enters the described Internet bank by password, and realizes processing to branch of group fund data according to fund exchanges data instruction authority and described group user fund exchanges data mapping relations storehouse.
2. method according to claim 1 is characterized in that, described fund exchanges data instruction authority is provided with by general headquarters of group; User login Web bank of general headquarters of group, and according to fund exchanges data instruction authority proposition fund data exchange request, this user of general headquarters of group can handle the fund in branch of the group account according to group user fund exchanges data mapping relations storehouse after being verified.
3. method according to claim 1 is characterized in that, described fund exchanges data instruction authority comprises: the scope of inquiry, payment, gathering, control number of the account and operation amount of money size.
4. method according to claim 1 is characterized in that branch of described group has a plurality of, stores the title of all branches of group of group internal in described group user fund exchanges data mapping relations storehouse;
The corresponding a plurality of accounts of each branch of described group, in described group user fund exchanges data mapping relations storehouse according to corresponding its a plurality of numbers of the account of the title of branch of group;
Described amount of money control comprises the condition that the reserved amount and the last receipts amount of money are set;
Described fund changes account over to and comprises a plurality of optional accounts.
5. method according to claim 1, it is characterized in that, the bank of deposit server of group's headquarters server by bank's special line and general headquarters of group links and comprise: bank of deposit's server of group's headquarters server and general headquarters of group is to link by security proxy server, and comprise the user of general headquarters of group is carried out authentication, the fund exchanges data is signed electronically.
6. method according to claim 5 is characterized in that, the IC-card with processor is adopted in the subscriber authentication of general headquarters of group.
7. method according to claim 5 is characterized in that, the mode that key combines with private key that is total to is adopted in the subscriber authentication of general headquarters of group.
8. a based on network group user fund data handling system comprises: the Internet bank; It is characterized in that also comprising: bank of deposit's server of bank of deposit's server of group's headquarters server, general headquarters of group, branch of group server, branch of group;
The bank of deposit server of group's headquarters server by bank's special line and general headquarters of group linked;
The bank of deposit server of branch of group server by bank's special line and branch of group linked;
Be coupled by the Internet bank between bank of deposit's server of general headquarters of described group and the bank of deposit's server of branch of group, and store group user fund exchanges data mapping relations storehouse in the described Internet bank, described group user fund exchanges data mapping relations storehouse comprises that at least branch of group title, branch of group account, fund exchanges data time, amount of money control, fund change the fund exchanges data information of account over to;
Described group headquarters server enters the described Internet bank by password, and realizes processing to branch of group fund data according to fund exchanges data instruction authority and described group user fund exchanges data mapping relations storehouse.
9. system according to claim 8 is characterized in that also comprising: security proxy server, described security proxy server use the SSL secure communication to encrypt.
10. system according to claim 8 is characterized in that also comprising: the electronic signature module of identifying user identity and authority or the IC-card of tape handling device.
11. system according to claim 8, it is characterized in that, in the described Internet bank, also comprise: payment module, when the distribution user of group proposes the online transaction Payment Request, this payment module checks earlier whether well-behaved account user has authority to pay, if do not have authority then return error message, whether otherwise continuing has enough remaining sum funds for payment in this part of inquiry account, if Sorry, your ticket has not enough value then return error message, otherwise mark this fund from a minute account place bank, and the details of this payment data are sent to the database of account place bank of general headquarters of group, so that write down the particulars of dividing account;
The gathering module, be under general headquarters of group account, to send affiliated minute account carried out detailed inquiry, and this minute account fund put the bank at general headquarters of group account place under, the bank at general headquarters of group account place sends the transfer request data, and branch account place bank accepts to stay record in this request and the two ends banking data base;
Group user fund exchanges data mapping relations storehouse stores the title of all branches of group of group internal; The corresponding a plurality of accounts of each branch of described group, in described group user fund exchanges data mapping relations storehouse according to corresponding its a plurality of numbers of the account of the title of branch of group; Described amount of money control comprises the condition that the reserved amount and the last receipts amount of money are set; Described fund changes account over to and comprises a plurality of optional accounts.
12. system according to claim 11 is characterized in that, described terms of settlement are for controlling by time variable.
13. system according to claim 8 is characterized in that, described user's fund data map concerns that the storehouse can online updating.
14. system according to claim 8 is characterized in that also comprising: printing equipment.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200410055104 CN1588390A (en) | 2004-08-04 | 2004-08-04 | Method and system for processing group user fund data based on network |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200410055104 CN1588390A (en) | 2004-08-04 | 2004-08-04 | Method and system for processing group user fund data based on network |
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| CN1588390A true CN1588390A (en) | 2005-03-02 |
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| CN 200410055104 Pending CN1588390A (en) | 2004-08-04 | 2004-08-04 | Method and system for processing group user fund data based on network |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111260455A (en) * | 2020-01-10 | 2020-06-09 | 湖南大唐先一科技有限公司 | Cause department cash flow control method and system |
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- 2004-08-04 CN CN 200410055104 patent/CN1588390A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111260455A (en) * | 2020-01-10 | 2020-06-09 | 湖南大唐先一科技有限公司 | Cause department cash flow control method and system |
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