TW202221617A - System for virtualized inter-bank fund allocation and transfer and method thereof capable of reducing the inter-bank transaction requests made by the financial institution server to the central bank - Google Patents

Abstract

The invention provides a system for virtualized inter-bank fund allocation and transfer, and a method thereof. A fund pool is set up in a central bank server. A plurality of financial institution servers allocate and transfer a transaction fund for being deposited in the fund pool, and the transaction fund is converted into a virtual currency in the fund pool. An intermediary organization server is used to provide an inter-bank trading platform, and the financial institution servers withdraw the virtual currency from the fund pool through the inter-bank trading platform and use the virtual currency to conduct inter-bank transactions and settlements on the inter-bank trading platform. Therefore, the transaction funds of each financial institution server will be transacted in a virtual and digital manner across banks without affecting the amount in the fund pool, and the funds in the fund pool do not need to be remitted inward and remitted outward repeatedly. By conducting inter-bank transactions on the inter-bank trading platform provided by the intermediary organization server, the central bank will only receive the settlement results at the end of the day, which can reduce the inter-bank transaction requests made by the financial institution server to the central bank.

Description

System and method for virtualized inter-bank fund transfer

The present invention relates to a new type of cash flow structure, in particular to a system and method for virtualized inter-bank fund allocation.

At present, all banking institutions are required to open a reserve guarantee account in the central bank. The amount of bank income must be set aside and deposited into the reserve guarantee account to avoid bank losses and the problem of people not receiving money. depositor's rights.

However, when each financial institution withdraws funds from the reserve guarantee account and conducts various domestic and foreign inter-bank transactions, the amount in the fund pool will be affected. Every transfer, remittance and other transactions will use the reserve guarantee account, and the funds in it will be remitted and remitted repeatedly. And these inter-bank transactions need to ask the central bank, which greatly increases the business volume of the central bank.

Therefore, the present invention proposes a system and method for virtualized inter-bank fund allocation in view of the above-mentioned deficiencies in the prior art and future needs. The specific architecture and implementation methods thereof will be described in detail below:

The main purpose of the present invention is to provide a system and method for virtualized inter-bank fund transfer, which converts the transaction funds of each financial institution server into virtual currency, and conducts inter-bank transactions in a digital manner without affecting the actual deposits in the fund pool. The amount of funds in the fund pool does not need to be remitted in and out repeatedly, thereby reducing the business volume of the servers of various financial institutions.

Another object of the present invention is to provide a system and method for virtualized inter-bank fund transfer. By conducting inter-bank transactions on the inter-bank transaction platform provided by the intermediary server, the central bank will only receive the settlement result at the end of the day, which can Reduce inter-bank transaction requests made by financial institution servers to the central bank.

In order to achieve the above object, the present invention provides a system for virtualized inter-bank fund transfer, including: a central bank server, which is provided with a fund pool; a plurality of financial institution servers, which are connected to the central bank server by signals to transfer a transaction fund deposit. into the fund pool, the transaction funds are converted into a virtual currency in the fund pool; and an intermediary server, which signals the connection between the central bank server and the financial institution servers, the intermediary server provides an inter-bank A trading platform for the financial institution servers to withdraw the virtual currency from the fund pool through the inter-bank trading platform, and use the virtual currency to conduct inter-bank transaction and settlement on the inter-bank trading platform.

According to the embodiment of the present invention, after the financial institution servers use the virtual currency to conduct inter-bank transactions, the multiple settlement results obtained on the same day are sent to the fund pool in batches by the intermediary institution server at the end of the day.

According to an embodiment of the present invention, the transaction funds are drawn from a plurality of reserve guarantee accounts, and the reserve guarantee accounts are set in the central bank server and respectively correspond to the financial institution servers.

According to an embodiment of the present invention, the central bank server transfers back to the reserve guarantee accounts of the financial institution servers according to the settlement results in the fund pool.

According to an embodiment of the present invention, the transaction funds are first deposited into the reserve guarantee accounts of the central bank server.

According to an embodiment of the present invention, the intermediary institution server is provided with a plurality of detailed accounts belonging to the financial institution servers.

According to the embodiment of the present invention, the total amount of the virtual currencies after settlement on the day is equal to the total amount of the transaction funds in the fund pool.

The present invention further provides a method for virtualized inter-bank fund transfer, comprising the following steps: setting a fund pool in a central bank server; multiple financial institution servers transfer a transaction fund and deposit it in the fund pool, and the transaction fund is stored in the fund pool. The fund pool is converted into a virtual currency; and an intermediary institution server is used to provide an inter-bank trading platform, and the financial institution servers take out the virtual currency from the fund pool through the inter-bank trading platform, and use the virtual currency in the Inter-bank transactions and settlements are carried out on the inter-bank trading platform.

The present invention provides a system and method for virtualized inter-bank fund transfer, which can reduce the business volume of the central bank in processing inter-bank transactions between various financial institutions, and also provides physical to virtual currency transactions. The detailed accounts of the financial institution allow each financial institution server to conduct interbank transactions of digital virtual currency on the interbank transaction platform provided by the intermediary institution server.

Please refer to FIG. 1 , which is a block diagram of the system 10 for virtualized inter-bank fund transfer according to the present invention. The system 10 for virtualized inter-bank fund transfer of the present invention includes a central bank server 12 , an intermediary institution server 14 and a plurality of financial institution servers 16 . The financial institution server 16 is connected to the central bank server 12 and the intermediary institution server 14 by signals. , the intermediary server 14 is also signally connected to the central bank server 12 and the financial institution server 16 . Among them, the central bank server 12 belongs to the central bank in charge of domestic financial institutions. The intermediary institution server 14 is a credible third-party institution, which is not a bank, but provides the function of integrating multiple financial institutions to use the same service. Each financial institution server 16 belongs to a bank, such as Bank A, Bank B to Bank N shown in FIG. 1 .

The central bank server 12 includes a fund pool 122 , and the financial institution server 16 allocates a transaction fund to deposit into the fund pool 122 . In another embodiment, each financial institution server 16 opens a reserve guarantee account 124 in the central bank server 12, and the financial institution server 16 transfers a transaction fund into the reserve guarantee account 124, The central bank server 12 then transfers the transaction funds to the fund pool 122 and converts them into a virtual currency. The time for the transfer of transaction funds can be timed, or the transfer is instructed by the financial institution server 16 .

The intermediary institution server 14 provides an inter-bank transaction platform 144 for the financial institution server 16 to withdraw virtual currency from the fund pool 122 through the inter-bank transaction platform 144 and use the virtual currency to conduct inter-bank transaction on the inter-bank transaction platform 144 .

Please also refer to FIG. 2 , which is a flow chart of the method for virtualized inter-bank fund transfer according to the present invention. First, in step S10 , a fund pool 122 is set up in the central bank server 12 ; then, as described in step S12 , the plurality of financial institution servers 16 allocate a transaction fund and deposit it into the fund pool 122 , and the transaction fund is stored in the fund pool 122 . Converted into a virtual currency; in step S14, an inter-bank transaction platform 144 is provided by the intermediary institution server 14, and the financial institution server 16 takes out virtual currency from the fund pool 122 through the inter-bank transaction platform 144, and uses the virtual currency in the inter-bank transaction platform 144. The inter-bank transaction is performed on the Internet; finally, in step S16 , the intermediary server 14 settles the transaction results of the day, and sends the transaction results back to the fund pool 122 of the central bank server 12 in batches at the end of the day.

For example, it is assumed that Bank A deposits 1 billion yuan in the reserve guarantee account 124 , and converts the 1 billion yuan into 1 billion virtual currency in the fund pool 122 . By analogy, assuming that N is equal to 10, and each financial institution server 16 stores 1 billion yuan in virtual currency and converts it into 1 billion virtual currency, the fund pool 122 has a total of 10 billion virtual currency. The 10 financial institution servers 16 conduct inter-bank transactions between each other through the inter-bank transaction platform 144 of the intermediary server 14 , for example, a user transfers funds from Bank A to Bank B, etc., which are all transactions between the financial institution servers 16 Interbank transactions. Each inter-bank transaction is recorded in the detailed account 142 of the intermediary server 14 , and an independent account is set up for each financial institution server 16 .

When the final settlement is reached, the total amount of virtual currency after settlement on that day will be equal to the total amount of transaction funds in the fund pool 122. For example, 10 billion virtual currency will still maintain the amount of 10 billion after a day of inter-bank transactions, but it may be that Bank A It becomes 1.5 billion, while Bank B only has 500 million. The final amount cannot be greater than 10 billion, otherwise it will be an overdraft.

In step S16 , when the central bank server 12 calls back to the reserve guarantee account 124 of the financial institution server 16 according to the settlement result in the fund pool 122 . According to the above-mentioned embodiment, the fund pool 122 transfers back 1.5 billion to the reserve guarantee account 124 of Bank A, and transfers back 500 million to the reserve guarantee account 124 of Bank B. Each financial institution server 16 then withdraws itself from its own reserve guarantee account 124 .

In addition to the end-of-day callback, when the financial institution needs funds during the business hours of the financial institution, the financial institution server 16 can also send an instruction to the central bank server 12 through the intermediary institution server 14. The virtual currency is transferred back to the fund pool 122 of the central bank server 12 , and the virtual currency of the fund pool 122 is converted back to real currency, and then the real currency is transferred back to the reserve guarantee account 124 .

Therefore, with the system and method for virtualized inter-bank fund transfer provided by the present invention, all daily inter-bank transactions are billed and settled by the intermediary server. Unless the financial institution issues an instruction, the central bank server will At the beginning and end of the day, the initial amount and the final settlement result of the day's transactions are obtained. In this way, inter-bank fund transaction requests from financial institutions to the central bank can be greatly reduced, the central bank's business volume can be reduced, and accounts can be simplified. In addition, the present invention converts transactions from physical currency to virtual currency, and the funds are actually stored in the central bank server, but the actual inter-bank transaction is performed by virtual currency, which can reduce the inward and outward remittance of physical currency, and also The business volume of the central bank can be further reduced.

Only the above descriptions are only preferred embodiments of the present invention, and are not intended to limit the scope of the present invention. Therefore, all equivalent changes or modifications made according to the features and spirits described in the scope of the application of the present invention shall be included in the scope of the application for patent of the present invention.

10: The system of virtualized inter-bank fund transfer 12: Central Bank Server 122: Fund Pool 124: Reserve Guarantee Account 14: Agency Server 142: Detail accounts 144: Interbank Trading Platform 16: Financial Institution Servers

Figure 1 is a block diagram of the system for virtualized inter-bank fund transfer according to the present invention Fig. 2 is a flow chart of the method for virtualized inter-bank fund transfer according to the present invention.

10: The system of virtualized inter-bank fund transfer

12: Central Bank Server

122: Fund Pool

124: Reserve Guarantee Account

14: Agency Server

142: Detail accounts

144: Interbank Trading Platform

16: Financial Institution Servers

Claims (12)

A system for virtualized inter-bank fund transfer, including: a central bank server in which a pool of funds is located; a plurality of financial institution servers, the signal is connected to the central bank server, and a transaction fund is transferred into the fund pool, and the transaction fund is converted into a virtual currency in the fund pool; and an intermediary server, the signal is connected to the central bank server and the financial institution servers, the intermediary server provides an inter-bank trading platform for the financial institution servers to withdraw from the fund pool through the inter-bank trading platform The virtual currency is withdrawn, and the virtual currency is used for inter-bank transaction and settlement on the inter-bank trading platform. The system for virtualized inter-bank fund transfer according to claim 1, wherein after the financial institution servers use the virtual currency to conduct inter-bank transactions, the multiple settlement results obtained on the same day are obtained by the intermediary institution server at the end of the current day. , and the batch is sent to the fund pool. The system for virtualized inter-bank fund transfer as described in claim 1, wherein the transaction funds are drawn from a plurality of reserve guarantee accounts, and the reserve guarantee accounts are set in the central bank server and corresponding to the and other financial institution servers. The system for virtualized inter-bank fund transfer as described in claim 3, wherein the transaction funds are stored in the reserve guarantee accounts of the central bank server. The system for virtualized inter-bank fund transfer as described in claim 3, wherein the central bank server transfers back to the reserve guarantee accounts of the financial institution servers according to the multiple settlement results of the fund pool on the day. The system for virtualized inter-bank fund transfer according to claim 1, wherein the intermediary institution server is provided with a plurality of detailed accounts of the financial institution servers. The system for virtualized inter-bank fund transfer as described in claim 1, wherein the total amount of the virtual currencies after settlement on the day is equal to the total amount of the transaction funds in the fund pool. A method for virtualized inter-bank fund transfer, comprising: Setting up a fund pool in a central bank server; A plurality of financial institution servers allocate a transaction fund into the fund pool, and the transaction fund is converted into a virtual currency in the fund pool; and An inter-bank transaction platform is provided by an intermediary server, the financial institution servers take out the virtual currency from the fund pool through the inter-bank transaction platform, and use the virtual currency to conduct inter-bank transaction and settlement on the inter-bank transaction platform. The method for virtualized inter-bank fund transfer as described in claim 8, further comprising the following steps: after the financial institution servers use the virtual currency to conduct inter-bank transactions, the multiple settlement results obtained on the same day are obtained by the intermediary institution server on the same day. Bulk transfer to the fund pool at the end of the day. The method for virtualized inter-bank fund transfer according to claim 9, further comprising the following steps: the central bank server transfers back to the financial institution servers according to the settlement results in the fund pool. The method for virtualized inter-bank fund transfer as described in claim 8, wherein the transaction funds are drawn from the reserve guarantee accounts of the financial institution servers. The method for virtualized inter-bank fund transfer as described in claim 8, wherein the total amount of the virtual currencies after settlement on the day is equal to the total amount of the transaction funds in the fund pool.

Images