TWI752342B - Transaction system - Google Patents

Abstract

The present invention provides a transaction system includes: a central server; and a bank server coupled to the central server. The bank server login the central server to retrieve an account balance of an interbank account corresponding to the bank server in a time interval. The bank server determines whether the account balance is less than a first threshold. When the account balance is less than the first threshold, the bank server issues a warning message and the bank server transfers an amount of money from a bank account to the interbank account, wherein the account balance plus the amount is greater than the first threshold.

Description

Trading System

The present invention relates to a transaction system, and in particular, to a transaction system that can avoid the failure of inter-bank transfer transactions.

With the advancement of science and technology, today's consumption pattern has shifted from physical stores to online consumption, resulting in inter-bank payment tools between financial institutions (such as CD/ATM inter-bank withdrawal and transfer, FXML inter-bank transfer, FEDI inter-bank transfer, domestic remittance inter-bank transfer) export) is widely used. Even during non-business hours of financial institutions, there is a huge demand for inter-bank payment. For domestic inter-bank transactions, the "inter-bank funds" deposited in the central bank's inter-bank settlement account by various financial institutions are used for instant deduction, deposit and day-end settlement of inter-bank payment transactions between financial institutions. If the above-mentioned "inter-bank fund" of the financial institution is insufficient to pay the transaction amount of the instant transaction, the inter-bank system will reject the inter-bank transaction, which will cause inconvenience and distress to the public.

In view of this, the present invention provides a transaction system, which can avoid the failure of inter-bank transfer transaction.

The present invention provides a transaction system, including: a central server; and a bank server, which is coupled to the central server. The bank server logs into the central server in a predetermined period to retrieve the account balance of the inter-bank account corresponding to the bank server. The bank server determines whether the account balance is less than the first threshold value. When the account balance is less than the first threshold, the bank server sends a warning message and the bank server transfers the amount from the bank account to the inter-bank account, wherein the account balance plus the amount is greater than the first threshold.

In an embodiment of the present invention, when the bank server receives an inter-bank transaction request corresponding to the transaction amount and the bank code of the transfer account of the inter-bank transaction request corresponds to the bank server, the central server deducts the transaction amount from the inter-bank account.

In an embodiment of the present invention, when the account balance is less than the second threshold and the bank server receives an inter-bank transaction request corresponding to the first category, the bank server adds the inter-bank transaction request to the transaction queue, wherein the first The second threshold value is greater than the first threshold value.

In an embodiment of the present invention, when the amount is transferred to the inter-bank account and the account balance plus the amount is greater than the third threshold, the bank server retrieves the inter-bank transaction request from the transaction queue and executes the inter-bank transaction request.

In an embodiment of the present invention, the inter-bank transaction request of the first category includes an amount and an enterprise identification code.

In an embodiment of the present invention, when the account balance is less than the second threshold and the bank server receives an inter-bank transaction request corresponding to the second category, the bank server executes the inter-bank transaction request.

In an embodiment of the present invention, the above-mentioned second type of inter-bank transaction request includes an amount and a personal identification code.

Based on the above, in the transaction system of the present invention, the bank server determines whether the account balance of the inter-bank account corresponding to the bank server in the central server is less than the first threshold value. When the account balance is less than the first threshold value, the bank server sends a warning message and transfers the amount from the bank account to the inter-bank account. When the account balance is less than the second threshold, the bank server will determine that the received inter-bank transaction request corresponds to the first category or the second category. The bank server adds the inter-bank transaction request of the first type to the transaction queue and executes the inter-bank transaction request of the second type.

In order to make the above-mentioned features and advantages of the present invention more obvious and easy to understand, the following embodiments are given and described in detail with the accompanying drawings as follows.

FIG. 1 is a block diagram of a transaction system according to an embodiment of the present invention.

Referring to FIG. 1 , a transaction system 100 according to an embodiment of the present invention includes a central server 110 and a bank server 120 . The bank server 120 is coupled to the central server 110 through a wired or wireless network.

In one embodiment, the bank server 120 logs into the central server 110 (eg, a server used by the central bank to process transfer operations during non-business hours) during a predetermined period (eg, non-business hours) to retrieve the corresponding bank server 120 The account balance of the inter-bank account (for example, the inter-bank settlement special account fund). The bank server 120 determines whether the account balance is less than a first threshold value (eg, 100 million yuan). When the account balance is less than the first threshold, the bank server 120 sends a warning message and the bank server 120 transfers the amount from the bank account to the inter-bank account, where the account balance plus the above-mentioned transfer amount is greater than the first threshold.

For example, when the monitoring system of the bank server 120 detects that the account balance of the inter-bank account is less than 100 million yuan, the monitoring system can immediately contact the fund dispatcher through SMS or other means to ask them to confirm whether to apply for "non-business day application". Increase inter-bank fund operations". If the fund dispatcher has completed the application to the central bank or financial company for "application for adding inter-bank fund operations on non-business days", the on-duty staff can confirm whether the funds have been transferred in the monitoring system and report to the relevant personnel after confirming that the funds have been transferred " The situation of insufficient funds in the inter-bank settlement account has been lifted.” On the other hand, when the monitoring system of the bank server 120 detects that the account balance of the inter-bank account is less than 100 million yuan, the monitoring system can also automatically notify the bank server 120 to transfer the amount from the bank account to the inter-bank account.

It is worth noting that when the bank server 120 receives an inter-bank transaction request corresponding to the transaction amount and the bank code of the transfer account of the inter-bank transaction request corresponds to the bank server 120, the central server 110 deducts the transaction amount from the inter-bank account. That is to say, when the bank code of the outgoing account of an inter-bank transaction during non-business hours corresponds to the bank of the bank server 120, the central server 110 will deduct the transaction amount of the inter-bank transaction from the inter-bank account.

In one embodiment, when the account balance is less than the second threshold (eg, 700 million yuan) and the bank server 120 receives an inter-bank transaction request corresponding to the first category (eg, business account transaction), the bank server 120 will The inter-bank transaction request is added to the transaction queue, wherein the second threshold value is greater than the first threshold value and the inter-bank transaction request of the first category includes an amount and an enterprise identification code (eg, an enterprise uniform number). When the account balance is less than the second threshold and the bank server 120 receives an inter-bank transaction request corresponding to a second category (eg, natural person transaction), the bank server 120 executes the inter-bank transaction request, where the second-category inter-bank transaction request includes an amount and personal identification number (for example, identity card number).

For example, when the account balance of the inter-bank account is less than 700 million yuan and the bank server 120 receives an inter-bank transaction request, the bank server 120 will first determine that the inter-bank transaction request is a transaction request of an enterprise or an individual. If the inter-bank transaction request is a transaction request of an enterprise account (for example, FXML and FEDI services), the bank server 120 may add the inter-bank transaction request to the transaction queue until the amount is transferred to the inter-bank account and the account of the inter-bank account When the balance plus the amount is greater than the third threshold value (eg, 1 billion yuan), the bank server 120 retrieves the inter-bank transaction request from the transaction queue and executes the inter-bank transaction request. If the inter-bank transaction request is an individual transaction request, the bank server 120 can directly execute the inter-bank transaction request.

In another embodiment, when the account balance is less than the second threshold (eg, 700 million yuan) and the bank server 120 receives an inter-bank transaction request, the bank server 120 will first determine whether the transaction amount of the inter-bank transaction request is Greater than an amount threshold (eg, 100,000 yuan). If the transaction amount of the inter-bank transaction request is greater than the amount threshold, the bank server 120 may first add the inter-bank transaction request to the transaction queue until the amount is transferred to the inter-bank account and the account balance of the inter-bank account plus the amount is greater than the third threshold value (eg, 1 billion yuan), the bank server 120 retrieves the inter-bank transaction request from the transaction queue and executes the inter-bank transaction request. If the transaction amount of the inter-bank transaction request is not greater than the amount threshold, the bank server 120 can directly execute the inter-bank transaction request. In another embodiment, if the inter-bank transaction request is a transaction request of an enterprise, but the transaction amount of the inter-bank transaction request is less than the amount threshold, the bank server 120 may also directly execute the inter-bank transaction request.

To sum up, in the transaction system of the present invention, the bank server determines whether the account balance of the inter-bank account corresponding to the bank server in the central server is less than the first threshold value. When the account balance is less than the first threshold value, the bank server sends a warning message and transfers the amount from the bank account to the inter-bank account. When the account balance is less than the second threshold, the bank server will determine that the received inter-bank transaction request corresponds to the first category or the second category. The bank server adds the inter-bank transaction request of the first type to the transaction queue and executes the inter-bank transaction request of the second type. The above-mentioned first category or second category can be distinguished according to the transaction amount requested by the enterprise/self-employed or inter-bank transaction.

Although the present invention has been disclosed above by the embodiments, it is not intended to limit the present invention. Anyone with ordinary knowledge in the technical field can make some changes and modifications without departing from the spirit and scope of the present invention. Therefore, The protection scope of the present invention shall be determined by the scope of the appended patent application.

100: Trading System 110: Central server 120: Bank Server

FIG. 1 is a block diagram of a transaction system according to an embodiment of the present invention.

100: Trading System

110: Central server

120: Bank Server

Claims (5)

A transaction system includes: a central server; and a bank server coupled to the central server, wherein the bank server logs into the central server within a predetermined period to retrieve an interbank corresponding to the bank server an account balance of the account; the bank server determines whether the account balance is less than a first threshold value; and when the account balance is less than the first threshold value, the bank server issues a warning message and the bank server starts from a The bank account transfers an amount to the inter-bank account, wherein the account balance plus the amount is greater than the first threshold, wherein when the account balance is less than a second threshold and the bank server receives a corresponding first category When an inter-bank transaction request is made, the bank server adds the inter-bank transaction request to a transaction queue, wherein the second threshold value is greater than the first threshold value, wherein when the amount is transferred to the inter-bank account and the account balance plus the When the amount is greater than a third threshold, the bank server retrieves the inter-bank transaction request from the transaction queue and executes the inter-bank transaction request. The transaction system according to item 1 of the scope of application, wherein when the bank server receives the inter-bank transaction request corresponding to a transaction amount and a bank code of a transfer account of the inter-bank transaction request corresponds to the bank server, The central server deducts the transaction amount from the interbank account. The transaction system of claim 1, wherein the inter-bank transaction request of the first category includes an amount and an enterprise identification code. The transaction system of claim 1, wherein when the account balance is less than the second threshold and the bank server receives an inter-bank transaction request corresponding to a second category, the bank server executes the inter-bank transaction request transaction request. The transaction system of claim 4, wherein the inter-bank transaction request of the second category includes an amount and a personal identification code.

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