TWI680424B - Off-site backup method for processing bills between different financial institutions - Google Patents

Abstract

An off-site backup method for processing bills between different financial institutions includes: preparing a data file: preparing a plurality of pending physical bills by a first financial institution, and preparing a bill data file; importing a data file: storing the bill data file Input into a database by a terminal of a second financial institution; and magnetic key reading and comparison key printing: the plural is to be processed by a reading classification key printing sorting device of the second financial institution The physical bills are read and identified one by one, and the terminal is compared with the bill data file. When the comparison results match, the magnetic bills are printed on the to-be-processed entity bills to make the to-be-processed entity The ticket has a complete magnetic word and becomes a usable physical ticket; when the comparison result does not match, the terminal instructs the reading classification keyprint sorting device to reject to a fixed pocket.

Description

Off-site backup method for processing bills between different financial institutions

The present invention relates to the bill processing technology of financial institutions, and in particular refers to an offsite backup method for processing bills between different financial institutions.

Financial institutions, such as banks, need to perform magnetic key (MICR) key printing on the bills when processing the bills. However, if the equipment for magnetic key printing is faulty, the financial institutions will not be able to process the magnetic key printing of the bills.

In order to solve the above problems, the currently known practice is for the financial institution to prepare a second device that can print magnetic characters as a backup device. This is a backup device prepared by the same financial institution. Technology for the same place.

The aforementioned same-place backup technology, when the financial institution itself is out of power or the two key-printing equipment are faulty, there is still a problem that the magnetic key-printing of the bill cannot be handled. And because there is currently no backup technology between different financial institutions, that is, there is currently no remote backup technology, so this case is to study this demand and propose technical means to solve this problem.

The main purpose of the present invention is to provide an off-site backup method for processing bills between different financial institutions, which can provide a backup function for processing bills between different financial institutions, so that financial institutions can still survive when their own bill processing system fails. Can maintain the function of its bill processing.

In order to achieve the above object, the present invention provides a remote backup method for processing bills between different financial institutions, which includes the following steps: preparing a data file: a first financial institution prepares a plurality of pending physical bills, and a bill data file, The bill data file has at least the bill number, invoice bank, and invoicer account information of the plurality of pending entity bills. Each of the pending entity bills has an incomplete magnetic word, and the incomplete magnetic word includes at least the bill number At least one of the following information: the invoice bank and the account of the invoicer; import data file: input the bill data file into a database through a terminal of a second financial institution; and read and compare magnetic characters Printing: The reading and identification of the plurality of to-be-processed physical notes is performed by one magnetic classification of a plurality of to-be-processed physical notes by a reading classification key printing sorting device of the second financial institution, and the terminal reads and reads the reading classification key printing sorting device and The identification result is compared with the data in the ticket data file in the database. When the comparison result matches, the terminal instructs the reading The key-type sorting device magnetically key-prints the to-be-processed physical note, so that the to-be-processed physical note has a complete magnetic word and becomes a usable physical note. The aforementioned complete magnetic word has at least a note number, an invoice bank, and an invoicer. Account information; when the comparison result does not match, the terminal instructs the reading classification keyprint sorting device to reject to a fixed pocket.

In this way, the present invention can enable the second financial institution to provide a backup function for the first financial institution to process bills, so that the financial institution can seek the assistance of other financial institutions to maintain its bill processing when its own bill processing system fails. Functions.

In order to explain the technical features of the present invention in detail, the following preferred embodiments are described in conjunction with the drawings as follows, wherein:

As shown in FIG. 1 to FIG. 3, a remote backup method for processing bills between different financial institutions provided by a preferred embodiment of the present invention mainly includes the following steps:

Prepare a data file: As shown in FIG. 2, a first financial institution B1, such as a bank, prepares a plurality of pending physical notes 11 and a note data file 21, and the bill data file 21 has at least the plurality of pending files. Information of the bill number, invoice bank, and invoicer account number of the physical note 11, each of the pending physical notes 11 has an incomplete magnetic character, and the incomplete magnetic character includes at least the invoice number, the invoice bank, and the invoicer account number. A kind of information.

Import data file: As shown in FIG. 3, the bill data file 21 is input into a database DB through a terminal 31 of a second financial institution B2. In this step, during the actual operation, the first financial institution B1 can send a staff member to carry the plurality of pending physical notes 11 and the note data file 21 to the second financial institution B2, and then enter the note data file 21 into the data. Action of library DB.

Magnetic word reading and comparison key printing: The reading and identification of the plurality of to-be-processed physical notes 11 are performed by one reading classification key printing sorting device 41 of the second financial institution B2. The terminal 31 The result of reading and identification read by the reading classification keyprint sorting device 41 is compared with the data in the document data file 21 in the database DB. When the comparison result matches, the terminal 31 instructs the reading classification key The print sorting device 41 magnetically key-prints the to-be-processed physical note 11 so that the to-be-processed physical note 11 has a complete magnetic word and becomes a usable physical note 12. The complete magnetic word has at least a note number, an invoice bank, Information of the account number of the invoicer; when the comparison result does not match, the terminal 31 instructs the reading classification keyprint sorting device 41 to reject to a fixed pocket 42.

With the above steps, the bill to be processed by the first financial institution B1 can be carried to the second financial institution B2 for processing, and completed as a usable physical bill 12, which can then be used to deliver to the customer. As for the comparison results that are not processed, The bill can be returned to the first financial institution B1, or it can be subsequently processed. It can be seen from the above that the present invention can provide a backup function for processing bills between different financial institutions, so that financial institutions can maintain their bill processing function when their own bill processing system fails.

It should be added that, as shown in FIG. 4, in the foregoing steps, the present invention can further add a manual confirmation step to the pending documents that do not match the comparison result: manually confirm the pending in the fixed pocket 42. Process the physical notes 11 and perform subsequent processing. This subsequent processing may be to return the to-be-processed physical notes 11 to the reading classification keyprint sorting device 41 for re-reading and identification, or they may be to-be-processed physical notes. 11 and the note data file 21 are then transferred to a third financial institution (not shown), and the above-mentioned import data file steps and magnetic word reading and comparison keys are performed at the third financial institution. In step, it can also directly return to the first financial institution B1 to prepare the bill again.

In addition, in the magnetic word reading and comparison key printing steps, for the notes with an invoice date or due date, the plural usable physical notes 12 can also be used according to the reading classification key printing sorting device 41. Sort by invoice date or due date.

In summary, it can be seen that, in addition to providing a remote backup function for processing bills between different financial institutions, the present invention can also perform manual follow-up confirmation and sequencing operations, which has better effects than the prior art.

11‧‧‧ Pending entity bills

12‧‧‧ can use physical notes

21‧‧‧Bill Information File

31‧‧‧Terminal

41‧‧‧Reading sorting keyprint sorting device

42‧‧‧ fixed pocket

B1‧‧‧First Financial Institution

B2‧‧‧Second Financial Institution

DB‧‧‧Database

FIG. 1 is a flowchart of a first preferred embodiment of the present invention. Figure 2 is a block diagram of the first preferred embodiment of the present invention. FIG. 3 is another block diagram of the first preferred embodiment of the present invention. FIG. 4 is another flowchart of the first preferred embodiment of the present invention.

Claims (3)

An off-site backup method for processing bills between different financial institutions includes the following steps: preparing a data file: a first financial institution prepares a plurality of pending physical bills and a bill data file, where the bill data file has at least the Information about the bill number, invoice bank, and invoicer account number of the entity bills to be processed. Each of the pending entity bills has an incomplete magnetic character, and the incomplete magnetic character includes at least the bill number, the invoice bank, and the invoicer account number. At least one kind of information; import data file: input the bill data file into a database through a terminal of a second financial institution; and read and compare magnetic characters keyprint: through the second financial A reading classification keyprint sorting device of the institution reads and identifies the magnetic characters of the plurality of to-be-processed physical notes one by one, and the terminal stores the reading and identification results of the reading classification keyprint sorting device with the database. The data in the note data file is compared. When the comparison results match, the terminal instructs the reading classification keyprint sorting device to process the pending processing. The physical note is magnetically key printed, so that the pending physical note has a complete magnetic word and becomes a usable physical note. The aforementioned complete magnetic word has at least the information of the note number, the invoice bank, and the account number of the invoicer; when the comparison result does not match , The terminal instructs the reading classification keyprint sorting device to reject to a fixed pocket. An off-site backup method for processing bills between different financial institutions according to item 1 of the scope of the patent application, wherein: in the reading and comparison key printing step of the magnetic word, the plural number is read by the reading classification key printing sorting device. You can use physical notes to sort by their invoice date or due date. A method for remote backup of bills between different financial institutions according to item 1 of the scope of patent application, wherein: after the magnetic word reading and comparison key printing steps, there is a manual confirmation step: manually confirming the Hold the pending physical notes in the pocket and perform subsequent processing.