TW201905809A - Telegraphic transfer system for obtaining pre-edited remittance data and method thereof - Google Patents

Abstract

A telegraphic transfer system for obtaining a pre-edited remittance data and a method thereof are provided. By editing a remittance by an editing client, transmitting the remittance data from the editing client to a bank server, obtaining the remittance data by a bank client, transforming the remittance data to a transfer data by the bank client, and transmitting the transfer data from the bank client to a telegraph server, the system and the method can shorten time of telegraphic transfer, and can achieve the effect of avoiding banker inputting incorrect remittance data.

Description

System and method for obtaining pre-edited remittance data to complete wire transfer

A wire transfer system and method thereof, in particular, a system and method for completing a wire transfer using pre-edited money transfer data.

Telegraphic transfer (T/T) is one of the basic ways of foreign exchange remittance business. The premise of using wire transfer is that both parties to the remittance and collection must have an account with the bank that has the wire transfer service. When the remitter makes a wire transfer at the remittance bank, the remittance bank usually uses the telecom means such as the Society for Worldwide Interbank Financial Telecommunication (SWIFT) to transmit the wire transfer payment request to the import bank. Pay a certain amount to the payee. The advantage of wire transfer is that the payee can quickly receive the remittance from the sender.

The current wire transfer process is that the remitter fills in the wire transfer order and pays the payment to the remittance bank, and then the remittance bank shoots the telegram or telex to the remittance bank, and sends the bank to send the wire transfer notice to the payee. After receiving the notice of the telegram, the payee will go to the bank for redemption, remittance to the bank for settlement, and the remittance will be sent to the bank to issue a debit notice to the remittance bank, and the remittance bank will send the remittance to the remittance. Among them, when the remitter fills in the electricity remittance and pays the payment to the remittance bank, the remittance bank member needs to input the information in the remittance slip filled out by the remitter into the computer, and transmit the data in the remittance slip to the sink through the computer. The bank's wire transfer host allows the wire transfer host to take a telegram or telex to the import bank.

In order to avoid the failure of wire transfer due to incorrect data input, the bank clerk will usually reconfirm the data input error after completing the input of the data, and even need the review of the bank supervisor, and then transfer the data to the wire transfer host, therefore, the remittance When people are in the cabinet, they often need to wait for a long time, which causes the waste of the remitter time and increases the waiting time of the banking service.

In summary, it can be seen that in the prior art, there has been a problem that the current wire transfer requires a long time to come to the cabinet. Therefore, it is necessary to propose an improved technical means to solve this problem.

In view of the problem that the prior art has the problem that the wire transfer requires a long time, the present invention discloses a system for obtaining a pre-edited remittance data and a method thereof, wherein:

The system for obtaining the pre-edited remittance data to complete the wire transfer disclosed by the present invention comprises at least: inputting a client for editing the remittance data; and a bank server for receiving the remittance data transmitted by the input client, and for verifying Remittance information; the client of the counter is used to obtain remittance information and convert the remittance information into remittance information and to transfer the remittance information to the telecom host to complete the remittance through the telecom host.

The method for obtaining the pre-edited remittance data of the pre-edited remittance method comprises the steps of: inputting the client to edit the remittance data and transmitting the remittance data to the bank server; the bank server verifying the remittance data; and the counter client is through the bank The server obtains the remittance data; the remittance information of the counter client is the remittance data; the client sends the remittance data to the telecom host to complete the remittance through the telecom host.

The system and method disclosed in the present invention are as above, and the difference from the prior art is that after the invention edits the remittance data through the input client and transmits the remittance data to the bank server, the counter client obtains the remittance data and obtains the obtained data. After the remittance data is converted into the remittance data, the remittance is completed through the telecom host to solve the problems of the prior art, and the technical effect of avoiding the remittance data of the operator input error can be achieved.

The features and embodiments of the present invention will be described in detail below with reference to the drawings and embodiments, which are sufficient to enable those skilled in the art to fully understand the technical means to which the present invention solves the technical problems, and The achievable effects of the present invention.

The invention can provide the remitter to provide the remittance information to the bank server before remittance in the counter, so that the bank clerk can obtain the remittance information provided by the remitter to the bank server when remittance is sent by the remitter, and use the obtained remittance information. The remittance information is completed and the remittance information is no longer required to be input by the staff.

The remittance information mentioned in the present invention includes various materials required for the remittance of the remittance, including but not limited to the remittance bank account number, the payee's bank account number, and the remittance amount. In some embodiments, the remittance data may further include the identities of the remitter, for example, an identity card number, an online bank account number, a digital signature, etc., and the present invention is not particularly limited.

Hereinafter, the system operation of the present invention will be described with reference to the system architecture diagram of the pre-edited remittance data obtained by the present invention in the "Fig. 1". As shown in "Figure 1," the system of the present invention includes an input client 110, a bank server 120, and a client client 130.

The input client 110, the bank server 120, and the server client 130 are all computing devices. The computing device can include, but is not limited to, one or more processors, memory modules, and bus bars that connect different components, including memory modules and processors.

The processor of the computing device of the present invention is coupled to the bus bar. The processor includes a register group or a scratchpad space, and the register bank or scratchpad space may be entirely on the processing wafer, or wholly or partially outside the processing wafer and via a dedicated electrical connection and/or via The bus bar is coupled to the processor. The processor can be a processing unit, a microprocessor, or any suitable processing element. If the computing device is a multi-processor device, that is, the computing device includes multiple processors, the computing device includes the same or similar processors and is coupled and communicated through the bus.

A processor of the computing device can be coupled to the chip set. A chipset consists of one or more integrated circuits (ICs) that contain a memory controller and a peripheral input/output (I/O) controller. The chipset typically provides input and memory management functions, as well as providing a plurality of general purpose and/or dedicated registers, timers, etc., wherein the general purpose and/or dedicated registers and timers are coupled to One or more processors of the chipset access or use. In addition, the memory controller and the peripheral input/output controller may be included in one integrated circuit, or may be implemented using two or more integrated circuits.

The processor can access the memory module and the data in the large-capacity storage area through the memory controller. For example, the memory controller can access the data contained in the cache memory or the hard disk drive. The above memory module includes any type of volatile memory and/or non-volatile memory (NVRAM) memory, such as static random access memory (SRAM), dynamic random access. Memory (DRAM), flash memory (Flash), read-only memory (ROM), etc. The mass storage area described above may include any type of storage device, such as a hard disk drive, a compact disc, a tape drive, a flash drive (flash memory), a solid state disk (SSD), or any other storage device. Wait.

The processor can also communicate with the peripheral device or interface such as the peripheral output device, the communication interface, and the GPS receiver through the peripheral output/input bus through the peripheral output/input controller. The peripheral output device can be any type of input and output device, such as a keyboard, a mouse, a trackball, a trackpad, a joystick, a display, a printer, and the like. The communication interface can include a wireless communication interface and/or a wired communication interface, and the wireless communication interface can include a wireless local area network such as Wi-Fi, Zigbee, Bluetooth, infrared, near field communication (NFC), mobile communication network, or other wireless data transmission. The interface of the protocol, the wired communication interface can be an Ethernet device, an asynchronous transfer mode (ATM) device, a DSL data machine, a cable (data) data machine, and the like. The processor can periodically poll various peripheral devices and interfaces so that the account opening client can perform data input and output, as well as communicate with another computing device having the components described above.

The busbar of the computing device can include one or more types, such as a data bus, an address bus, a control bus, an expansion bus, and / or a bus such as a local bus. Busbars for computing devices include, but are not limited to, side-by-side industry standard architecture (ISA) busses, peripheral component interconnect (PCI) busses, video electronic standards associations (VESA) local busses, and tandem universal sequence busses (USB), Fast Peripheral Component Interconnect (PCI-E) bus, etc.

The input client 110 can be connected to the bank server 120. The input client 110 is responsible for transmitting data or signals to the bank server 120 and can receive data or signals transmitted by the bank server 120. The input client 110 and the bank server 120 can be connected through a wired or wireless network, and the present invention is not particularly limited.

The input client 110 is responsible for editing the money transfer data and is responsible for transmitting the edited money transfer data to the bank server 120. For example, the input client 110 can log in to the bank server 120, receive an editing interface (such as a web page) of the money transfer data transmitted by the bank server 120, and input various items of the money transfer data in the editing interface, and edit the money transfer data. Thereafter, the edited remittance data is transmitted to the bank server 120 to edit the remittance data through the bank server 120; the input client 110 can also be localized according to the predetermined format agreed by the bank server 120 or agreed with the bank server 120. (local) editing the remittance data, and transmitting the edited remittance data to the bank server 120; the input client 110 can also execute the application (APP) supported by the bank server 120, and the editing interface displayed in the application Each item of the remittance data is entered, and the reconciliation data that has been edited is transmitted to the bank server 120 in the format defined by the bank server 120 or agreed with the bank server 120 through the application. However, the manner in which the input client 110 edits the remittance data and transmits it to the bank server 120 is not limited to the above.

In some embodiments, the input client 110 can also receive the barcode data transmitted by the bank server 120. The barcode data received by the input client 110 from the bank server 120 corresponds to the money transfer data input by the input client 110. The bar code data mentioned in the present invention may be a two-dimensional bar code or a QR code, etc., and the present invention is not particularly limited, and any bar code generated by a technique for obtaining a remittance data directly or indirectly by a computing device that obtains bar code data may be used as the present invention. Invention of the bar code information.

The input client 110 can also receive a prompt signal or a prompt message transmitted by the bank server 120. When the input client 110 receives the prompt signal, the received prompt signal may be converted into a corresponding prompt message, and the prompt message generated by the conversion may be displayed; and when the input client 110 receives the prompt signal, the display may be directly displayed. The prompt message received.

The bank server 120 provides an input client 110 connection. In some embodiments, the bank server 120 also provides a connection to the client client 130. The bank server 120 is responsible for receiving the data or signals transmitted by the input client 11, and can also receive the data or signals transmitted by the client 130, and can transmit the data or signals to the input client 110 or the client 130. The connection between the bank server 120 input client 110 or the bank server 120 and the server client 130 can be connected through a wired or wireless network, and the present invention is not particularly limited.

The bank server 120 is responsible for receiving the money transfer data transmitted by the input client 110 and storing the received money transfer data.

The bank server 120 is also responsible for verifying the money transfer data received from the input client 110. For example, the bank server 120 can check whether the bank account of the remitter conforms to the bank account rule, check whether the remitter's account name is the same as the bank's retained data, and determine whether there are similar but different payees in the historical remittance record. The bank account number and/or account name, whether the SWIFT code is in compliance with the code rules, etc., but the manner and items of the bank server 120 for verifying the remittance data are not limited to the above. When one or more of the data in the remittance data cannot be verified by the bank server 120, the bank server 120 can transmit a prompt signal or a prompt message to the input client 110.

In some embodiments, the bank server 120 may generate corresponding bar code data according to the received remittance data, and may transmit the generated bar code data to the input client 110. The bank server 120 may encode the received remittance data to generate bar code data that can directly obtain the remittance data after decoding, or first generate an index data associated with the received remittance data, and The generated index data is encoded to generate bar code data. However, the manner in which the bank server 120 generates barcode data is not limited to the above.

The bank server 120 can also provide a connection interface to connect to the client 130 and receive the identification data transmitted by the client 130 through the provided connection interface. The bank server 120 can also read the associated remittance data according to the identification data received from the client client 130, and can transmit the read remittance data back to the counter client 130. The identification data received by the banking server 120 from the client 130 may be the index data generated by the bank server 120, or may be the identification data included in the remittance data, but the identification data provided by the present invention is Without limitation, any information that enables the bank server 120 to obtain the associated different remittance data can be used as the identification data provided by the present invention.

The counter client 130 is responsible for obtaining the remittance data through the bank server 120. For example, the server client 130 can input the bar code data generated by the bank server 120 and decode the input bar code data to obtain the remittance data; the counter client 130 can also input the bar code data generated by the bank server 120, and Decoding the input barcode data to obtain the index data generated by the bank server 120, or inputting the identification data included in the money transfer data, and the index data or the identification data obtained through the interface provided by the bank server 120. The identification data is transmitted to the bank server 120, and the money transfer data returned by the bank server 120 is received.

The counter client 130 is also responsible for converting the remittance data obtained to the corresponding remittance data, and transmitting the remittance data generated by the conversion to the telegraphic host 140, so as to complete the remittance through the telegraphic host 140. The process of transmitting the transfer data to the wire transfer host 140 by the front desk client 130 causes the wire transfer host 140 to complete the process of the money transfer operation is the same as the conventional one, so no description is added.

The counter client 130 can also verify the remittance data based on the identity data. The counter client 130 can display the identification information contained in the remittance data, so that the staff can compare the identification information included in the remittance data with the identity data provided by the remitter to verify the remittance data; the counter client 130 It is also possible to provide the clerk with the identity information provided by the remitter, or to provide the remitter to input the identity information, and to compare the identification information contained in the remittance data with the identity data entered to verify the remittance information. The above-mentioned identity information such as the account name, the identity card number, the date of birth, the online bank account number, and the password agreed with the bank can identify the data of the remitter, but the invention is not limited thereto.

Next, an operation system and method of the present invention will be described with reference to an embodiment. Referring to FIG. 2, a flow chart of a method for obtaining a wire transfer for obtaining pre-edited remittance data according to the present invention will be described. In this embodiment, it is assumed that the input client 110 is a smart phone, but the invention is not limited thereto.

If the bank provides the remitter to use the present invention, the remitter can first operate the input client 110 to edit the remittance data and transmit the remittance data to the bank server 120 (step 210). In this embodiment, the remitter operates the input client 110 to execute an application provided by the pre-installed bank. After the application is executed, the application may first log in to the banking server 120 and display the editing interface of the remittance data according to the operation of the remitter. After the remitter completes the input of the remittance information in the editing interface, the application can transmit the remittance data that has been edited to the bank server 120.

After the input client 110 transmits the money transfer data to the bank server 120, the bank server 120 can verify the money transfer data transmitted by the input client 110 (step 230). If the remittance data is not verified by the bank server 120, the bank server 120 may generate a corresponding prompt signal or prompt message, and transmit the generated prompt signal or prompt message back to the input client 110, so as to input the client. The sender can be prompted to modify the remittance data according to the received prompt signal or prompt message.

If the remittance data is verified by the bank server 120, the bank server 120 can generate bar code data according to the remittance data and can store the remittance data. In this embodiment, after the application executed in the input client 110 transmits the remittance data to the bank server 120, if the remittance data is verified by the bank server 120, the bank server 120 can receive the remittance according to the received The remittance data generates the corresponding bar code data, and the generated bar code data can be transmitted back to the application (input client 110). In addition, the bank server 120 can also generate the index data corresponding to the remittance data. The index data is encoded to generate barcode data.

After the remittance data is verified by the bank server 120, the remitter can perform the remittance operation. The counter client 130 can obtain the remittance data according to the information 400 provided by the remitter counter (step 250). In this embodiment, if the bank server 120 generates the corresponding bar code data according to the received remittance data, and returns the generated bar code data to the application (input client 110), the remitter can be in the counter When the operation input client 110 opens the application, the operation application displays the barcode data received from the bank server 120, so that the line member can scan the barcode data displayed by the input client 110 by using the barcode scanner of the front panel client 130. The container client 130 can input bar code data and can decode the input bar code data. If the bank server 120 encodes the remittance data to generate the bar code data, the counter client 130 can directly obtain the remittance data after decoding the bar code data; and if the bank server 120 first generates the index data corresponding to the remittance data, The barcode data is generated by encoding the generated index data, and the container client 130 can transmit the index data obtained by decoding the barcode data to the bank server 120 through the interface provided by the bank server 120, so that the bank The server 120 reads the associated remittance data according to the received index data, and transmits the read remittance data back to the counter client 130, so that the counter client 130 obtains the remittance data.

In addition, if the remittance data transmitted by the application executed in the input client 110 to the bank server 120 includes the sender's identification data, the counter client 130 may also input the sender's identification information, for example, remittance. The person can provide the identification information to the clerk to enter the clerk client 130 when the counter is located, or the clerk can directly input the identification data to the clerk client 130 by providing an input device such as a keyboard to the remitter. After the escrow client's identification data is input, the clerk client 130 can transmit the identification data input by the remitter as the identification data to the bank server 120 through the interface provided by the bank server 120. The bank server 120 reads the associated remittance data according to the received index data, and transmits the read remittance data back to the counter client 130, so that the counter client 130 can obtain the remittance data.

After the sink client 130 obtains the remittance data (step 250), the counter client 130 can convert the obtained remittance data into the remittance data (step 270), and transmit the converted remittance data to the bank's wire transfer host. 140, by which the money transfer operation is completed by the wire transfer host 140 (step 280).

Thus, through the invention, the counter client 130 can obtain the remittance data according to the information provided by the remitter and complete the remittance operation, which simplifies the process of remittance, that is, through the invention, the remitter does not need to fill in the remittance slip, and the clerk also There is no need to input the remittance slip into the counter client 130, thus shortening the time for the remittance to bring the counter, and also avoiding the failure of the crew to input the wrong remittance data to cause the wire transfer failure.

In the above embodiment, if the remittance data transmitted by the application executed in the input client 110 to the bank server 120 includes the identities of the remitter, and the counter client 130 is based on the barcode data provided by the remitter. After obtaining the remittance data, after the remittance information is obtained by the counter client 130 (step 250), the counter client 130 can verify the remittance data according to the remitter's identity data (step 270). For example, the remitter can provide the identity information to the clerk when the counter is in the cabinet, and the clerk can input the remitter's identity information into the counter client 130, or the clerk can provide the keyboard and other input devices to the remitter, so that the remitter directly The identity data is entered into the client client 130.

After obtaining the identity information of the remitter, the client client 130 can compare whether the remitter's identity data and the identity data included in the remittance data are the same. If yes, the remittance data is verified, and the counter client 130 can The remittance data is converted into the remittance data (step 270), and the remittance information is transmitted to the bank's wire transfer host 140. If the client client 130 compares the identity information of the remitter and the identity data included in the money transfer data, the client client 130 may display a prompt message for verifying the error, but the client client 130 does not convert the remittance. The data will not be transferred to the wire transfer host 140.

In summary, it can be seen that the difference between the present invention and the prior art is that after the input client edits the remittance data and transmits the remittance data to the bank server, the counter client obtains the remittance data and converts the obtained remittance data into After the transfer of the data, the technical means of remittance can be completed through the telecom host, and the technical effect of avoiding the remittance of the wrong input by the pedestrian can be solved by the technical means.

Furthermore, the method for obtaining the pre-edited remittance data of the present invention can be implemented in hardware, software or a combination of hardware and software, or can be implemented in a centralized manner in a computer system or distributed in different components. The decentralized implementation of interconnected computer systems.

While the embodiments of the present invention have been described above, the above description is not intended to limit the scope of the invention. Any modification of the form and details of the practice of the present invention, which is a matter of ordinary skill in the art to which the present invention pertains, is a patent protection of the present invention. range. The scope of the invention is to be determined by the scope of the appended claims.

110‧‧‧Enter client

120‧‧‧Bank server

130‧‧‧Ling cabinet client

140‧‧‧ Wire Transfer Host

400‧‧‧Information

Step 210‧‧‧ Enter the client to edit the remittance data and send the remittance data to the bank server

Step 230‧‧‧Bank server verification remittance information

Step 250‧‧‧Provide the client to obtain the remittance information

Step 260‧‧‧ The client of the cabinet verifies the remittance data based on the identity data

Step 270‧‧‧The client client converts the remittance information into the remittance information

Step 280‧‧ ‧ The client sends the transfer data to the wire transfer host to complete the remittance through the wire transfer host

FIG. 1 is a system architecture diagram of the wire transfer for obtaining pre-edited remittance data according to the present invention. FIG. 2 is a flow chart of a method for completing a wire transfer for obtaining pre-edited remittance data according to the present invention.

Claims (10)

A system for obtaining pre-edited remittance data to complete a wire transfer, the system comprising at least: an input client for editing a remittance data; a bank server for receiving the remittance data transmitted by the input client, and The remittance information is obtained and the remittance information is converted into a remittance information and used to transmit the remittance information to a wire transfer host for transmission through the wire transfer host. Complete the remittance. The system for obtaining a pre-edited remittance data to complete a wire transfer as described in claim 1, wherein the server client inputs an identification data and transmits the identification data to the bank server, and the bank server further uses Reading the remittance data according to the identification data and transmitting the remittance data to the client. For example, the system for obtaining a pre-edited remittance data to complete the wire transfer as described in the first paragraph of the patent application, wherein the server client inputs a bar code data generated by the bank server according to the remittance data, and decodes the bar code data to Obtain the remittance information. For example, the system for obtaining the pre-edited remittance data to complete the wire transfer as described in the first paragraph of the patent application, wherein the server client is further used to verify the remittance data based on the identity data. A system for obtaining a pre-edited remittance data to complete a wire transfer as described in claim 1, wherein the input client logs in to the bank server and edits the remittance data through a bank server, or is scheduled at the local end. The format edits the remittance data and transmits it to the bank server. A method for obtaining a pre-edited remittance data to complete a wire transfer, the method comprising at least the following steps:: inputting a client to edit a remittance data and transmitting the remittance data to a bank server; the bank server verifies the remittance data; The counter client obtains the remittance information through the bank server; the counter client converts the remittance data into a remittance information; and the counter client transmits the remittance data to a telegraphic host to complete through the telegraphic host money transfer. The method for obtaining the pre-edited remittance data to complete the wire transfer as described in claim 6 wherein the step of obtaining the remittance data by the server client through the bank server is to input an identification data to the client client, and Transmitting the identification data to the bank server to receive the remittance data returned by the bank server. The method for obtaining the remittance of the pre-edited remittance data as described in claim 6 of the patent application, wherein the step of obtaining the remittance data by the counter client through the bank server is that the server client obtains the basis of the bank server The remittance data generates a bar code data, and decodes the bar code data to obtain the remittance data. The method for completing the wire transfer by obtaining the pre-edited remittance data as described in claim 6 of the patent application, wherein the method further comprises the front-end client before the step of converting the remittance data into the remittance data by the counter client The step of verifying the remittance data based on an identity data. The method for obtaining a pre-edited remittance data to complete a wire transfer as described in claim 6 wherein the step of the input client editing the remittance data and transmitting the remittance data to the bank server is to log in to the input client The bank server edits the remittance data in the bank server, or the input client edits the remittance data in a predetermined format on the local end and transmits the remittance data to the bank server.