TW202001751A - Clean bill collection system - Google Patents

Abstract

A clean bill collection system having a branch operating system and a collection center system is provided. The branch operating system receives a clean bill registration information and writes the clean bill registration information into a clean bill integrating information when receiving a corresponding clean bill scan file and an approval response. The collection center system connected to the branch operating system converts the clean bill integrating information to a payment branch integrating information according to the clean bill integrating information and the clean bill scan file, then sends the payment branch integrating information to a corresponding foreign exchange system.

Description

Light ticket collection system

This disclosure is about a financial transaction technology, and in particular about a light ticket collection system.

The formalities for collection of bare tickets involve transactions with foreign exchange units, which are complicated and costly. In the ordinary course of operation, the bank will hand over the branches to contact the foreign exchange exchange unit, send bills, exchange and file for retention. However, due to the complicated business types of the branches, the branch operators are easy to confuse or cause human errors due to unfamiliar related business, and in the process, the branches also need the operators to contact the foreign exchange units themselves to track the light ticket Exchange results. In addition, because the bare ticket must be sent to the overseas exchange unit, it also incurs the cost of overseas delivery. Under such circumstances, each branch requires a lot of manpower, time, and money to process the collection of bare ticket collection.

Based on the above, if there is a complete light ticket collection mechanism, and the management of the light ticket collection of each branch will effectively reduce the cost of the bank's entire light ticket collection operation.

The invention provides an optical ticket collection system to manage the collection of optical tickets to reduce the cost of the bank.

The bare ticket collection system disclosed in this disclosure has a branch operation system and a bare ticket center system. The branch operating system receives the light ticket registration information, and when the branch operating system receives the bill scan file and verification result corresponding to the light ticket registration information, the light ticket registration information is written to the light ticket accounting information. The light ticket center system is communicatively connected to the branch collection system. When the light ticket center system receives the light ticket remittance information and bill scanning file sent by the branch operating system, the light ticket center system converts according to the payment line information in the light ticket remittance information The light bill remittance information is the payment bank remittance information, and the payment bank remittance information is sent to the corresponding foreign exchange system.

Based on the above, the light ticket collection system of the present disclosure can integrate the light ticket registration information and bill scanning files of each branch operating system through the cooperation of the branch operating system and the light ticket center system, and then transmit it to the light ticket center system, and The unified system will be linked by the light ticket center system and the foreign exchange system. In this way, the bank's integrated light ticket operating system and process are provided to reduce the cost of the bank's light ticket processing.

In order to make the above-mentioned features and advantages of the present invention more obvious and understandable, the embodiments are specifically described below in conjunction with the accompanying drawings for detailed description as follows.

In order to centralize the processing of the light ticket collection business of each branch, this disclosure provides a light ticket collection system to integrate the light ticket related business of each branch. FIG. 1 is a schematic diagram of an optical ticket collection system according to an embodiment of the disclosure. Referring to FIG. 1, the bare ticket collection system 100 of the present disclosure has a branch operating system 110 and a bare ticket center system 120.

The branch operating system 110 is a system operated by a branch-end operator, and receives light ticket registration information, bill scan files, and verification results input by the branch operator. The operator can connect to the branch operating system 110 through a terminal device (for example, a personal computer) to perform operations related to the collection of light tickets.

The branch operating system 110 is composed of a communication unit (for example: a communication chip conforming to various communication standards), a storage unit (for example: fixed or removable random access memory, hard disk, etc.) and a processing unit (for example: central processing unit) The hardware, the disclosure does not limit the type, brand or model.

In the embodiment of the present disclosure, different bank branches correspond to different branch operating systems 110. In the architecture of the system, each branch operating system 110 may be an independent system or a different subsystem under one system. The disclosure is not limited to this. The branch operating system 110 and the light ticket center system 120 shown in FIG. 1 are merely schematic. In practice, the light ticket center system 120 will be in communication with multiple branch operating systems 110 according to the number of branches. This disclosure is not limited to this.

The optical ticket center system 120 is communicatively connected to the branch operating system 110 to receive optical bill accounting information and bill scanning files transmitted by each branch operating system 110. The optical ticket center system 120 is implemented by hardware similar to the branch operating system 110, and will not be repeated here.

The light ticket center system 120 will further communicate with the foreign exchange system 30 and exchange information. The foreign exchange system 30 is a server set up by foreign banks, foreign exchange centers, etc. This disclosure does not limit the software, hardware, and operation modes adopted by the foreign exchange system 30.

In order to clarify more clearly how the bare ticket collection system 100 of the present disclosure cooperates with the branch operating system 110 and the light ticket center system 120 to achieve the result of centralized collection, the light ticket collection system will be described below with reference to FIGS. 1 and 2 The running process.

First, when the customer goes to the branch to handle the collection of the light ticket, it must first fill out the light ticket application form, and after the branch operator reviews the bill items, the branch operator enters the light ticket registration information into the branch operating system 110.

In step S210, the branch operation system 110 receives the light ticket registration information input from the branch operator 50. In an embodiment of the present disclosure, the light ticket registration information has at least the collection bank type, country, payment bank remittance code (Swift code), bill type (for example: whether it is a traveler's check, cash draft, etc.), should be scanned Date, etc., but this disclosure is not limited to this. In other embodiments, the light ticket registration information further includes information such as bill denomination, remittance account, bill due date, and receipt date.

In addition, in an embodiment of the present disclosure, after receiving the optical ticket registration information, the branch operating system 110 will automatically add the scan type, remittance number, currency, batch amount, and batch number to the optical ticket registration information. . In addition, each light ticket registration information has a corresponding ticket status (for example: pending, collection, received, and refund operation), so that the operator can quickly know the processing status through the ticket status. It should be noted that the registration information of the bare ticket will be adjusted according to the actual requirements and practical changes of each bank. This disclosure is not limited to this.

In step S220, the branch operation system 110 receives the receipt scan file and the verification result input by the branch operator 50. The bill scan file is the scanned file of the collected light bills, and the result of the review is the approval of the approved transaction supervisor. In an embodiment of the present disclosure, after receiving the bill scan file, the branch operating system 110 will also consolidate the information of the bill scan file into a scan bill to consolidate and manage the bill scan file.

In step S230, the branch operating system 110 writes the light ticket registration information to the light ticket accounting information. The light bill accounting information is the information on the day of the branch or a certain number of light ticket registrations, so that the light bills can be processed in batches.

In step S240, the branch operating system 110 transmits the light bill accounting information to the light ticket center system 120. At the same time, the branch operator must also send the physical bare ticket to the bill center to provide the bill center operator to the overseas exchange unit. Based on this, the front-end collection operation of the branch operating system 110 is completed, and the light ticket center system 120 and the foreign exchange system 30 exchange data.

It should be noted that, in an embodiment of the present disclosure, after the branch operating system 110 receives the light ticket registration information, it will further determine whether the expiry date of the light ticket registration information has expired. In detail, in the business of bare ticket collection, in principle, it can only accept the commission of expired bills, but with the consent of the unit supervisor, it can accept the collection of unexpired bare tickets. Therefore, after step S210, the branch operating system 110 will further determine whether the light ticket registration information has expired according to the expiry date of the light ticket registration information.

According to the bank's internal regulations, if the risk of bare ticket registration information is at a general level, it can be reviewed by the approved supervisor. However, if the bare ticket registration information is at a high risk level, it must be reviewed by a higher-level supervisor. Therefore, if the light ticket registration information is expired, in step S220, the branch operating system 110 will further determine whether the light ticket registration information meets the risk conditions. The risk conditions will vary according to the standards of different banks. In one case, the risk conditions are handled by cash letters, and the denomination is equivalent to more than US$10,000. That is to say, if the information recorded in the light ticket registration is processed by final credit service (Final credit service), check collection (Check collection), etc., or a cash draft but the denomination is less than 10,000 US dollars, etc., it is not eligible for risk Example, but this disclosure is not limited to this.

If the branch operating system 110 determines that the light ticket registration information does not meet the risk conditions, it further determines whether the user authority to transmit the verification result meets the first approval authority. When the user authority meets the first approval authority, step S230 is executed. However, if the branch operating system 110 determines that the light ticket registration information meets the risk condition, it further determines whether the user authority for sending the verification result meets the second approval authority. When the user authority meets the second approval authority, step S230 is executed. It should be noted that, in this embodiment, the second approval authority is greater than the first approval authority, for example, the first approval authority is a supervisor above level A, and the second approval authority is a supervisor above level B.

If the branch operating system 110 determines that the expiry date of the light ticket registration information is unexpired, in principle, each branch must consider the credit and transaction status of the customer, evaluate the legitimacy of the source of the light ticket fund, and the customer’s contribution to the bank. , And then be executed by the unit supervisor. Therefore, the branch operating system 110 will further determine whether the user authority for sending the verification result conforms to the third approval authority (for example: unit supervisor), and when the user authority meets the third approval authority, store the bare ticket registration information to the unexpired trustee Received ticket list information. The branch operator must also obtain a light ticket from the customer and store it in the warehouse.

In addition, the branch operating system 110 judges daily whether the expiry date of each light ticket registration information of the unexpired collection light ticket list information matches the current date. The branch operating system 110 will consolidate the registration information of the light ticket whose due date matches the current date into a notification form to prompt the branch operator to perform the scanning and verification operations. The branch operating system 110 also adds the light ticket registration information to the light ticket accounting information when it receives the bill scan file and verification result corresponding to the light ticket registration information with the due date matching the current date.

In the embodiment of the present disclosure, the branch operating system 110 will also generate scanning accounting information according to the bill scanning file to record the bill number, scan number, etc. of the scanned optical ticket. In addition, when the light ticket center system 120 receives the light ticket remittance information, bill scan file, and scan remittance information sent by the branch operating system 110, the light ticket receivable center system 120 also determines whether a correspondence exists according to the scanned remittance information The document scan file of the light ticket registration information of the light ticket accounting information. If there is already a bill scanning file, the light ticket center system 120 will set the registration status of this light ticket registration information as a check and return the registration status to the branch operating system 110.

表1：本揭露一案例的光票彙計資訊In step S250, the light ticket center system 120 converts the light ticket remittance information to the payment bank remittance information based on the payment line information in the light ticket remittance information. In detail, the light ticket center system 120 will receive the light ticket remittance information from the branch operating system 110. In other words, the light ticket remittance information is the information aggregated based on the branch operating system 110. In order to save the operation time and process, the light ticket center system 120 will further use the payment line information (for example: payment line remittance code) as the classification basis to further generate payment line remittance information. For example, please refer to Table 1, which is the light billing information of a case. In Table 1, each column is a piece of light ticket registration information. These light ticket registration information are all from the branch with branch code 001.

Table 1: The information of bare bill accounting in this case

表2-1：表1的案例中，轉換後的付款行彙計資訊(1)

表2-2：表1的案例中，轉換後的付款行彙計資訊(2)Please refer to Table 2-1 and Table 2-2. Table 2-1 and Table 2-2 are the cases of Table 1, which are based on the payment line information converted from the payment line information in the light bill accounting information. In other words, in the converted payment line remittance information, each payment line remittance information will be based on the payment line remittance code. In addition, although not listed in Table 2-1 and Table 2-2, the payment bank accounting information will consolidate the light ticket registration information from different branches. Therefore, in fact, the payment bank accounting information will have the light ticket registration information with different branch codes.

Table 2-1: In the case of Table 1, the converted payment bank accounting information (1)

Table 2-2: In the case of Table 1, the converted payment bank accounting information (2)

In step S260, the optical ticket center system 120 transmits the payment bank accounting information to the foreign exchange system 30 of the corresponding payment bank. In addition, the staff of the bill center must also collect the physical bare tickets and mail them to foreign countries. It is worth mentioning that the payment bank remittance information is processed in batches. Therefore, multiple light ticket registration information in the same payment bank remittance information will correspond to the same remittance number.

After the foreign exchange system 30 receives the payment bank accounting information, it will process it and generate a result notification. The possible circumstances for notification of the result include receipt of the whole batch, partial receipt, refund, refund after receipt, or withdrawal. The steps performed when the light ticket center system 120 receives different result notifications will be described below.

If the result notification received by the light ticket center system 120 is that the entire batch is received, it will further determine whether the received amount of the result notification is consistent with the bill denomination of all received light ticket registration information in the payment bank's accounting information. Taking Table 2-1 as an example, if the received amount in the result notification is US$2,520, the light ticket center system 120 will judge that the received amount is consistent with the bill denomination of all received light ticket registration information in the payment bank accounting information . At this time, the light ticket center system 120 will change the receipt status of the received light ticket registration information to have been received, and the operator of each branch can check the status of the ticket through the branch operating system 110. The light ticket center system 120 also performs write-off on the received light ticket registration information on the next business day of the current date.

However, if the received amount is inconsistent with the bill denomination of all received light ticket registration information in the payment bank's accounting information (for example, in the example of Table 2-1, the received amount is US$2,000), the light ticket center system 120 Messages will be sent to the foreign exchange system 30 and branch operating system 110. In this way, when the foreign exchange system 30 returns, the branch operating system 110 executes the write-off according to the type of error and the type of light ticket registration information. In the actual case, if there is any bill in the same remittance number whose denomination and amount are inconsistent, and the bill type is traveler's cheque or cash draft, the light ticket center system 120 only batches the interbank transaction and transfers this amount Inconsistent light ticket registration information is sent to the branch operating system 110. And after the branch operation staff handles the non-accounting matters, the branch operation system 110 performs the write-off.

If the result notification received by the light ticket center system 120 is partially received, the bill type of the light ticket registration information in the payment bank accounting information is judged. If the bill type is traveler's cheque or cash draft, the light ticket center system 120 will automatically execute the write-off of the received light ticket registration information, and automatically execute the refund operation on the returned light ticket registration information, and send a notification to the relevant operation personnel. If the bill type is other (ie: not a traveler's check or cash draft), the light ticket center system 120 does not perform batch receipt or batch refund, and only sends a notification to the relevant operator.

If the result notification received by the light ticket center system 120 is a refund, the bill type of the light ticket registration information in the payment bank accounting information is determined. The light ticket center system 120 executes refunds in batches if the note type is a traveler's check or cash letter, and determines whether to further execute the transaction. However, if the bill type is other, the light ticket center system 120 transmits the notification result to the branch operating system 110, and the branch operating system 110 executes the refund and determines whether to execute other transactions.

If the result notification received by the light ticket center system 120 is a refund after receipt, change the bill status of the light ticket registration information in the payment bank's accounting information from received to a refund, and send the result notification to the branch operating system 110. The branch operating system 110 executes the refund and determines whether to further execute the transaction.

If the bare ticket cannot be collected, or the withdrawal request is executed at the request of the customer. At this time, the branch operating system 110 receives the cancellation notice from the light ticket center system 120 and executes the refund according to the cancellation notice.

However, regardless of the status of the bill as received, partially received, refunded, refunded after receipt, or cancelled, the light ticket center system 120 will generate a daily report of the results of the light ticket, for example, the batch receipt of the light ticket collection Failed schedule, light bill collection batch sales success schedule, light bill collection withdrawal schedule, refund and batch operation unsettled bill schedule, etc., to consolidate the processing results of the current daylight collection. In addition, the light ticket center system 120 also generates a daily settlement light ticket collection and processing report based on the light ticket registration information received on the day and the bill scan file to consolidate the contents of the bill that should be processed on the day.

In addition, the branch operating system 110 will also generate a day-end light ticket processing report and a branch day-end light ticket result report based on the due date of the light ticket registration information and the bill status. For example, the day-to-day clearing ticket processing report of the branch has notes to be scanned today and the next day to be scanned.

In an embodiment of the present disclosure, the light ticket center system 120 also stores light ticket registration information and historical light ticket registration information, and the light ticket center system 120 also provides a report query interface to provide corresponding light ticket registration information according to the query instruction Or schedule. In detail, in the optical ticket center system 120, the bills within 3 years of settlement and the bills after 3 years of settlement are kept separately. And, in the report query interface, it provides simple query settings and advanced query settings. The query items set in the simple query are, for example, unbatch-off bills, refund records, center withdrawals, overdue collection, un-offered bills, received bills, scanned bills, and bills with inconsistent amounts. The query items set by the proximity query are, for example, bill amount, bill number, receipt bank, delivery number, must, set up bank, remittance number, scan type, scan date, etc.

In addition, the report query interface can also provide the operator to query multiple reports from the foreign exchange system 30, such as the day-to-day light receipt collection batch sales failure details list, light ticket collection receipt and withdrawal list, light ticket support Received batch sales success schedule, bill center and branch light ticket registration difference schedule, refund and batch operations unsettled bill schedule, unexpired foreign currency bill deposit schedule, foreign currency bills should be reminded of the schedule, or It is the statistical table of the cost distribution of the collection of bare-vote collections at the month-end, or the statistical table of the charges for the advance travel cheque collection at the year-end. With the centralized management of the light ticket collection system 120, each branch and bank can understand the situation of the light ticket collection operation with comprehensive and complete information. Under such circumstances, the optical ticket collection system 100 not only reduces manpower, time and operation costs, but also improves the management effect.

In summary, through the cooperation between the branch operating system and the optical ticket center system, the disclosed optical ticket collection system can aggregate the optical ticket registration information and bill scanning files of each branch operating system, and then transmit it to the optical ticket center system , And unified by the light ticket center system and foreign exchange system. In this way, the bank's integrated light ticket operating system and process are provided to reduce the cost of the bank's light ticket processing. Not only that, through the centralized management of the light ticket collection system, the bank can completely preserve the relevant information of the light ticket business, and view and manage the light ticket related business from an overall perspective, thereby improving the quality of management.

Although the present invention has been disclosed as above with examples, it is not intended to limit the present invention. Any person with ordinary knowledge in the technical field can make some changes and modifications without departing from the spirit and scope of the present invention. The scope of protection of the present invention shall be subject to the scope defined in the appended patent application.

30‧‧‧Foreign exchange system 50‧‧‧Branch operator 100‧‧‧Broad ticket collection system 110‧‧‧Branch operation system 120‧‧‧Broad ticket center system S210~S260‧‧‧Steps

FIG. 1 is a schematic diagram of an optical ticket collection system according to an embodiment of the disclosure. FIG. 2 illustrates a flowchart of the operation of the light ticket collection system according to an embodiment of the disclosure.

30‧‧‧Foreign exchange system

100‧‧‧ Light ticket collection system

110‧‧‧ Branch Operating System

120‧‧‧ Light Ticket Center System

Claims (11)

An optical ticket collection system includes: a branch operating system that receives an optical ticket registration information, and when the branch operating system receives a bill scan file and verification result corresponding to the optical ticket registration information, the optical ticket registration information Write to an optical ticket remittance information; and the optical ticket center system, which is connected to the branch collection system by communication, and the optical ticket center system receives the optical ticket remittance information and the bill scan file transmitted by the branch operating system At this time, convert the light bill remittance information to the payment bank remittance information according to the payment bank information in the light bill remittance information, and send the payment bank remittance information to the corresponding foreign exchange system. The light ticket collection system as described in item 1 of the patent application scope, wherein the branch operating system, upon receiving the light ticket registration information, judges whether the light ticket registration information has been based on the expiration date in the light ticket registration information Expired, the branch operating system judges whether the light ticket registration information meets the risk condition when the light ticket registration information is expired, and the branch operating system judges to transmit the when the light ticket registration information does not meet the risk condition Whether the user authority of the verification result meets the first approval authority, when the user authority meets the first approval authority, write the light ticket registration information and the bill scan file to the light bill accounting information, if the bill amount matches Under the risk condition, the branch operating system judges whether the user authority transmitting the verification result complies with the second approval authority, and when the user authority meets the second approval authority, writes the light ticket registration information and the bill scan file After entering the light ticket accounting information, if the light ticket registration information is unexpired, the branch operating system determines whether the user authority to transmit the verification result meets the third approval authority, when the user authority meets the third approval authority , Save the registration information of the light ticket to the information of the unexpired collection light ticket list. The light ticket collection system as described in item 2 of the patent application scope, wherein the branch operating system judges daily whether the due date of each light ticket registration information of the unexpired collection light ticket list information matches the current Date, and add the light ticket registration information with the expiration date that matches the current date, and the corresponding document scan file and the verification result to the light ticket accounting information. The light ticket collection system as described in item 1 of the patent application scope, wherein the light ticket central system also receives the scanned bill of exchange sent by the branch operating system, and judges whether there is a corresponding bill of light based on the scanned bill of exchange The bill scanning file of the light ticket registration information of the accounting information, if the bill scanning file already exists, set the registration status of the light ticket registration information to check. The light ticket collection system as described in item 1 of the patent application scope, wherein the light ticket center system also receives the result notification from the country’s foreign exchange system for the payment bank’s accounting information, and the light ticket center system reports the result as When the entire batch is received, it is determined whether the received amount notified by the result is consistent with the bill denomination of all the received light ticket registration information in the payment bank's accounting information, and the light ticket center system determines that the received amount is consistent with the When the bill denominations of all the received light ticket registration information in the payment bank accounting information are the same, change the bill status of the light ticket registration information in the payment bank accounting information to have been received On the business day, write-off is performed on the light ticket registration information. When the light ticket center system determines that the received amount is incorrect, it sends a message to the country's foreign exchange system and the branch operating system. The branch operating system based on the light ticket registration information The type of execution is written off. For the light ticket collection system as described in item 5 of the patent application scope, wherein the light ticket center system also determines the bill type of the light ticket registration information in the payment bank accounting information when the result notification is a refund, the The light ticket center system also automatically executes the write-off of the received light ticket registration information if the note type is traveler's check or cash letter, and automatically performs a refund of the refunded ticket information; The light ticket center system also does not perform write-offs on the received light ticket registration information, nor does it perform refunds on the light ticket registration information that has been refunded, if the note type is other. For the light ticket collection system as described in item 5 of the patent application scope, wherein the light ticket center system also determines the bill type of the light ticket registration information in the payment bank accounting information when the result notification is a refund, the The light ticket center system also executes refunds in batches when the note type is traveler’s cheque or cash letter, and determines whether to execute the transaction; the light ticket center system also sends the notification result to the note type if the note type is other The branch operating system, the branch operating system executes the refund, and determines whether to execute other transactions. The light ticket collection system as described in item 5 of the patent application scope, wherein the light ticket center system also changes the status of the light ticket registration information in the payment bank accounting information when the result is notified as a refund after receipt Change the received ticket to a refund, and send the result notification to the branch operating system. The branch operating system executes the refund and determines whether to execute the transaction. The bare ticket collection system as described in item 5 of the patent application scope, in which the branch operating system also receives the withdrawal notice from the bare ticket center system and executes the refund according to the withdrawal notice. The light ticket collection system as described in item 1 of the patent application scope, wherein the light center system also generates a daily closing light ticket processing report and a daily closing light ticket result report based on the bill status of the light ticket registration information, the branch operating system It also generates a branch day-end light-out ticket processing report and a branch day-end light-out ticket result report based on the due date of the light ticket registration information and the bill status. The light ticket collection system as described in item 1 of the patent application scope, wherein the light ticket center system also stores the light ticket registration information and historical light ticket registration information, and the light ticket center system also provides a report query interface, the report The query interface provides corresponding light ticket registration information or schedule according to the query instruction.

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